Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about my loan

I graduated from XXXX XXXX XXXX in XXXX of 2015. I had a grace period post college before repayment was to begin. I applied for a forbearance and was approved after that. Unfortunately, NelNet inadvertently negatively marked my credit report for a 90 day delinquency despite being approved for a forbearance. When I tried to call and remedy the situation the initial representative ( XXXX XXXX ) was rude and told me the only the only way to get it removed was to prove that I was in the military. That seemed to be a tad bit outrageous because I never mentioned the military, the NelNet representatieve seemed to be attempting to patronize me here. On this same day of communication the representative ( XXXX XXXX ) told me NelNet had a phone number for me ending in XXXX but she would not provide the entire phone number. I called back and spoke with a representative name XXXX who stated the number they have on file for me was XXXX. I advised the number was invalid for me. My goal was to help NelNet understand that the time frames in which I was being asked to repay did not align with their records therefore I should not be viciously marked for credit on multiple NelNet accounts for miscommunication and for also having invalid contact information. I asked if I could pay any past due amounts and XXXX XXXX told me that I did not have any. XXXX XXXX also stated that since they had not heard from me they negatively marked my credit until they did hear from me. I do not feel this is legitimate or fair treatment. I understand the position of the CFPB and I understand not everyone may agree with it but it needs to be in place because discrimination appears to be at an all time high. Based on the information I viewed there was ( 1 ) one 90-day mark on all NelNet accounts that I have in the past 10 years on my credit bureau reports. That does not align with a 6 month grace period post graduation ( XXXX ), plus one year of forbearance and then another year of forbearance. When I called to get grace period information on my XXXX call they did not even know when I graduated. They had me in an unemployment deferment. They said the information from the school must have been invalid.
Complaint sub-issue: Information belongs to someone else

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  Date Updated : XX/XX/2019
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account status incorrect

XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.
Complaint sub-issue: Information belongs to someone else

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}
Complaint sub-issue: Billing dispute for services

Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.
Complaint sub-issue: Their investigation did not fix an error on your report

OnXX/XX/XXXX I sent a letter to Equifax asking that they investigate some questionable inquiries on my report. I asked for XXXX XXXX compliant ( required per their OWN definition of their XXXX XXXX ) documented results that the investigation had actually taken place - as they failed to even do the investigation previously. <P/>On XX/XX/XXXX I opened my mail and received 2 letters from Equifax both dated XX/XX/XXXX. <P/>The first was a stall letter saying that inquiries are a factual record of a credit application ( NOTHING to do with what I asked or requested and was nonsense ). <P/>The second was a set of results saying the SAME THING! Worse yet? They ADMIT that investigation DID NOT TAKE PLACE. <P/>This is an intentional violation of my rights under the FCRA. <P/>I called today ( XX/XX/XXXX ) at XXXX. I was on hold for 53 minutes and told by their rep " XXXX '' that it is impossible to investigate inquiries, I was told by some foreign person that she did n't understand inquiries ( what? ), and I was transferred to a HOSTILE " supervisor '' who would only identify herself as XXXX who said she would n't do anything. <P/>To each of these people I explained what I had asked in my letter and what the responses were. Each of them gave me nonsensical silly answers. I explained a knowledge of my rights and that I work for a LAW FIRM specializing in FCRA and Credit Law - and was told by " XXXX '' that she would no longer talk to me. <P/>ALL I WANTED is my BASIC rights. EQUIFAX is a scam company clearly who has no problem doing UNETHICAL and ILLEGAL things to consumers. <P/>Best part? I told them that I would contact the CFPB. They laughed and said " the CFPB is useless! '' So, please do n't be useless.
Complaint sub-issue: Their investigation did not fix an error on your report

It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that Equifax and XXXX credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX  XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.
Complaint sub-issue: Funds not handled or disbursed as instructed

TIAA Bank is not responding to my secure messaging communication regarding maturity instructions for my CD, which matures today. When I log into the online banking on TIAA 's website, I see that they are trying to set a new maturity date in 2024. I have provided instructions that the CD is to be paid out at maturity which is today. Concerns me that the bank disregards my instructions and ignores my contact attempts.
Complaint sub-issue: Can't close your account

I received a letter last week about a checking account being charged for inactivity for months. I had no idea I even had this account with KeyBank, as I closed out all of my accounts there months ago. I went into the bank to investigate, as I have had many online account opened not by me at this bank previously. The branch member told me he would investigate and get back to me. A couple days later he contacted me saying he could n't find any info about it. I informed him that I received a bank statement for this account. He looked it up and informed me it was opened online out of a branch in XXXX XXXX and told me the name of the person. I do not know this person. He told me he would further investigate. I did not hear back from him so I tried to contact the Fraud Department, which Customer Service after 25 minutes would not transfer me to. The branch member contacted me and stated I needed to come in and file paperwork with him directly. He would try to get the maintenance fees and inactivity fees refunded and then close the account and give me the balance, but only once it is confirmed by the fraud department. I have taken multiple vacation days to deal with these issues. I now may be out {$580.00}, and still nothing is settled. I had asked them months ago to put in place no online accounts be allowed to ever be opened, but it seems that did not stick. They keep insisting I must have identity theft, but as I had to purchase XXXX because of this, no other activity has ever been found.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX XXXX XXXX XXXX XXXX XXXX  & they told me I've never missed a payment, yet Equifax and XXXX refuse to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do Equifax and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

In 2007 my son was trying to secure a private student loan from XXXX XXXX XXXX ( now defunct ). I agreed to help and signed papers to authorize a credit check and a master promissory note, which did not show any interest rate, fees, etc. A week or so after that, I received aFederal Truth in Lending Disclosure. Up to that point I had NO knowledge of the interest rate or total Finance charges. Once I received it, I refused to sign it due to the extraordinarily high interest and fees. My son contacted XXXX immediately and told them that I would not approve it, but they told him that he could proceed with the loan without my approval, which he did and received a check made out to him ONLY ( unlike a private student loan, which I DID co-sign ). 
Since then my son defaulted on the loan and my credit has been ruined by the loan administrator, American Educational Services ( AES ), who have perpetuated this fraud by XXXX. 
I have done everything I can to get this issue resolved on my own and need help. 
The note was initially handled by AES and I received copies from AES of all of the materials involved including the Federal Truth In Lending form WITHOUT my signature. At this time AES has informed me that ownership of the has been transferred XXXX XXXX ( aka, XXXX ), but I can not even verify this as my dozens of requests to that organization have been ignored. 
I need my name removed from this note as a co-signer as I never agreed to the terms of this loan.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I noticed XXXX collection accounts showed up on my credit card report from XXXX ( procollect.com ), and these debts do not belong to me. Someone stole my information and used it info sign the lease. 

I immediately contacted them and asked them to remove these accounts under my name, they asked for a police case ID, and I provided it. However, XXXX months later, these accounts are still under my name, hurting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I reported an incident of dentity theft to equifax and submitted police report and several disputes to remove the hard inquiries that were fraudulently obtained from my credit report. Equifax has not removed them and closed the complaint. Even though one of the creditors ( XXXX XXXX ) has sent them a letter to remove it on their behalf. The case has not been resolved although I have submitted documentations both on this website and by mail. I am not satisfied with the resolution and am submitting another complaint. Please see original complaint below : I have recently been the victim of identity theft and have had several hard inquiries from federal credit unions that I have never heard of. I have contacted all of the creditors and the hard inquiries still remain on my equifax report negatively effecting my credit score. I have frozen all three credit reports and placed a security alert on my account. I would like the following hard inquiries to be removed XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX
Complaint sub-issue: Account information incorrect

To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.
Complaint sub-issue: Problem with fees

I'm filing a complaint in reference to my Account XXXX American Advantage Platinum Select Credit card wants to hit me with late charges {$19.00} XXXX, total {$19.00} the pending charges was {$19.00} and was not paid on time. 

l didn't know about my charges because Platinum Select decided on their to send my statement paperless. 

Explained my situation and stated that I have been banking with Citibank since XXXX and I have never seen this type of shakedown! 

My account has been in auto pay mode for many years, and all of a sudden this service was disconnected. 

Citibank records indicate that on XX/XX/XXXX I lost my credit cards and I was issued a new card! At that point, this auto pay service was disconnected and very conveniently I was not informed. 

During this pandemic, I have not paid my rent, my electricity and so forth.And I plead with the credit card company to waive the so called late fees, and was told " we are not in the position to waive or delete these charges! '' American advantage, had signed my account paperless without my permission, I was unable to see my account online because of security issues. 

I have been banking with Citibank since XXXX. At this point, I feel the credit card company is being abusive! its position as a credit card institution doesn't give them the right to dismiss my legit and valid explanation!! 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX Equifax unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at Equifax. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.
Complaint sub-issue: Their investigation did not fix an error on your report

My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to XXXX.
Complaint sub-issue: Debt is not yours

Got a phone call from XXXX, claiming to represent XXXX XXXX over an alleged debt from 2002. The whole issue at the time had to do with a bank error, and I turned it over to a consumer protection agency then. This company, when I tried to explain this, just said, okay then we'll just file the judgement. They also claimed to have sent a letter to my mailing address. I saw no such letter. 
They are of course a scam.
Complaint sub-issue: Account information incorrect

I XXXX XXXX XXXX am disputing the term late payment from the creditor XXXX XXXX  on my Equifax report, I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX  on XX/XX/2008, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX code XXXX states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Complaint sub-issue: Didn't receive enough information to verify debt

This student loan company by the name of Great Lakes is charging me more than {$67000.00} in federal student loans. This corporation has increased my debit with these hidden fees like Capitalized Interest and so forth. The timeframe to pay this loan is unreasonable and not feasable. Great Lakes also reported this debt on all 3 credit reporting agencies without my consent and approval.
Complaint sub-issue: Trouble with how payments are being handled

I am actively pursing the Public Service Loan Forgiveness program and have made 64 qualifying payments. Any missed or delinquent payments would result in my disqualification from the Loan Forgiveness Program. I noticed last year that I was listed as not making a payment for XX/XX/2014. My loan payments are set to automatically withdrawn from my checking account every month and when I inquired about why no payment was deducted from my account in 2014, I was told that due to payment amount changes, and the timing of a generation of a new bill, an installment was not withdrawn that month. I requested this information in writing. I was provided a general letter, but it was unfortunately removed from my paperless inbox by myfedloan.com. When reviewing a different issue with your company, I noted that my loan payment history states A payment was not received on the XX/XX/2014. I am respectfully requesting your assistance in correcting this issue. Please help me to ensure that that my XX/XX/2014 payment is listed as no payment due or no bill generated, or something which does not levy blame on me as the borrower. Again, direct withdrawal was, and remains active on my account. Also, please provide me with documentation from Fed Loan which explains this situation for my files. 


Thank you