Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

My loans for grad school were transferred to NelNet in XXXX. I made payments on several occasions paying ahead, but every single time I set up the autopay so it would continue paying. I had some issues with it in XXXX but thought I finally had it working. As I was completing my taxes this year I realize the autopay was again switched off. It 's entirely possible I made an error at some point, but I ca n't tell you how many issues I had with their autopay. I received monthly bills with {$0.00} due this month. I realize now they mean I do n't have a payment due until XXXX. They 're just letting the interest accrue again since I paid ahead! It 's my fault for not catching it sooner, but I was very sure my loan was being paid on this whole time and may have confused it with NAVIENT, my other loan servicer who I 've completely paid off and also receive " {$0.00} due '' messages. So rather than paying down my loans like I thought the last two years I now owe more than I did previously. This is UDAAP at its finest. While my own ineptitude contributed to this, I think NelNet should be put on notice for terrible servicing practices.
Complaint sub-issue: Don't agree with the fees charged

My Stafford Loans with U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) is handled by Great Lakes. On XX/XX/XXXX, My student loan principal amount was {$40000.00} and the accrued interest {$12000.00} ( which is excessive. ) At the time, Great Lakes offered me a standard repayment plan ( No salary-driven or subsidized in any way ) of {$240.00} a month. Such payment was supposed to start reducing my loan principal immediately. This week while taking a look at my account summary, for my surprise, the balance of my loan instead of have been decreased, it has risen to {$53000.00}. Ever since I setup my payment plan, I haven't missed one single payment ; for the contrary, I have made greater payments than what I was supposed to. From the date of the payment plan was set, I have paid the total amount of {$5500.00} which has been allocated in its entirety to interests. Furthermore, in XX/XX/XXXX, I had a payment due of {$630.00} which corresponded to some accrued interests regardless of the Cares Act ( Interest Great Lakes is not able to explain to me. ) My loan has been overcharged, excessive interests have been capitalized and payments have not been applied as agreed since the beginning. When I called Great Lakes, they do nothing to help but sustain that the balance is correct. I really need someone to help me.
Complaint sub-issue: Trouble with how payments are handled

While I have not been personally affected by this issue, it was discovered that when you pay off a student loan with Great Lakes, they calculate 10 days of interest. If they receive your check prior to that 10 days, they do not refund the money unless it is greater than {$5.00}. This fact was directly stated to me by Customer service. Of course this is a relatively tiny amount of money, but multiplied by possibly XXXX of transactions, I believe they could be receiving a large amount of on unearned money
Complaint sub-issue: Received bad information about your loan

I have been paying on my loan for over 10 years now and don't see the balance go down. I can't get anyone on the phone to have my payments during the pandemic go interest free or get information about the recent {$10000.00} relief as I make under {$120000.00} a year and or {$250000.00} jointly.
Complaint sub-issue: Credit denial

Dear ALLY BANK Pursuant to 15 USC 1681A ( K ) your company ALLY BANK have taking adverse action against me On XX/XX/26 XXXX Clearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company ALLY Bank said in there letter that the reporting agency played no part in your company decision and cant supply specific reasons of why ALLY BANK denied me credit and then False and Misleading me the Consumer by saying your company ALLY BANK decision was based in a whole or in part on information that came from the consumer reporting agency. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company ALLY BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis ALLY BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company ALLY BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
Complaint sub-issue: Information belongs to someone else

I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.
Complaint sub-issue: Problem with personal statement of dispute

Citibank reported negative information to my credit profile under questionable circumstances. 

While I believed I had Autopay set up to cover the monthly payment, there had been some change to my account which disrupted the normal payment process. This resulted in a minimum payment of {$70.00} due XX/XX/XXXX to not satisfied until I discovered the issue and made the full balance payment on XX/XX/XXXX. Over the several months around this time frame I attempted to set up Autopay with Citibank at least 3 times, with what I understood to be confirmation each time. 

The effect on my credit record of Citibank reporting this single late payment of {$70.00} in XX/XX/XXXX results in two negative factors for recent missed payment and bad payment history. This combined negative reporting causes a substantial reduction in my FICO score, which affects my interest rates as I am attempting to obtain a home mortgage. Citibank 's response to a single {$70.00} missed payment, which I earnestly attempted to avoid, and which I rectified in full once I leaned about the problem, is costing me tens of thousands of dollars in mortgage interest costs ( a single point on my $ XXXX XXXX-year mortgage is {$80000.00} ). 

As a Citibank card member since XXXX I have had around {$30000.00} worth of purchases/balance transfers using this card. With the exception of the recent missed payment due to an account change, I have had a flawless payment history with Citibank. 

I respectfully request Citibank to update my credit profile by removing the negative reporting of my account on my credit profile.
Complaint sub-issue: Debt is not yours

I do not recognize this debt nor do I recognize this company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Complaint sub-issue: Frequent or repeated calls

Received 3 phone calls in less than an hour from them regarding my bill repeatedly trying to obtain card and payment information over the phone. Just patiently waiting the next call. They used several different phone numbers. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They use two number which are deceptive as they are not clearly from the company unless you look the numbers up on XXXX. 

The agents on the phone are extremely pushy trying to collect on you even though you are not late.
Complaint sub-issue: Personal information incorrect

im unaware of all addresses dealing with north carolina. Also my social is incorrect and need those removed immediately
Complaint sub-issue: Received bad information about your loan

I have been paying my student loan for over 10years. I have had direct student loans and submitted a public service loan forgiveness application multiple times for XXXX public schools and XXXX police department. I am requesting that my payments made to my previous providers be counted towards my loan forgiveness. XXXX, XXXX XXXX, XXXX etc. my current provider is Mohela. Its been related to me via Mohela Representatives that my current count is XXXX of XXXX. That is inaccurate and I am requesting that the adjustments be made. Thank you for expeditiously expediting my request.
Complaint sub-issue: Debt was paid

I recently lived in an apartment complex where Id signed a 6 month lease. I paid all 6 months up front. At the end of my lease I turned in the keys and moved out and all was well. A month after moving out I received a letter from IQ Data international saying I owed the apartment complex money. The letter from IQ said to write them in 30 days to dispute the debt and request validation. I did just that and sent them mail overnight to ensure it got there before the 30 day mark. A month went by and I never heard from them. All of a sudden I get a notice that a collection had been added to my credit report. It was from IQ data international. I wrote them again and called them asking for validation of the debt. Over the phone they told me they dont send anything in the mail, despite the fact that I got their contact info from something they sent me in the mail. I asked both over the phone and once again in writing for a validation of the debt and they have still not provided that information to me. I have disputed it with the credit bureaus and they seem to have no trouble communicating with them, but they have made no effort to try to validate this debt with me or allow me to dispute it or verify it. 
This is against the law.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have tried endlessly to fix the problems I am having with the reporting of these erroneous items on my credit. With no response, validation or help from the major reporting Bureaus I don't know what else to do. These accounts are really effecting me and stressing me out because of the way I am judged by the wrong reporting of these Bureaus because of them violating compliance when reporting. The accounts that have not been validated and are effecting me negatively are, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts immediately or I will be seeking litigation.
Complaint sub-issue: Information belongs to someone else

I made several attempts to dispute incorrect late reporting to the credit agencies for the following accounts : XXXX is incorrectly showing 60 days late in XX/XX/XXXXand XX/XX/XXXX ; or XX/XX/XXXX showing 30 days late. 

XXXX 'XXXX  XXXX  XXXX is incorrectly showing 30 days late XX/XX/XXXX XXXX XXXX/XXXX XXXX is incorrectly showing 60 days late in XX/XX/XXXX. 

XXXX is incorrectly reporting XXXX XXXX XXXX 90 days late in XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX  is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Equifax - XXXX XXXX XXXX,, Not reported XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, I mailed Discover Bank XXXX money orders. Because Discover is an online bank, I could not deposit the money orders through the online/mobile app, but rather had to mail them for processing. Prior to mailing the money orders certified, I called Discover XXXX times to ensure that I was properly mailing the money orders to the correct po box . The USPS tracking indicates that the money orders were received on XX/XX/2022 ; however, after an investigation, Discover informed me yesterday that it never received the money orders. Further, Discover 's USPS representative stated that it does not know what happened to the money orders that were mailed via certified mail. The supervisor did not offer any options to make me whole. However, she did apologize for any inconvenience. That same day, I opened an investigation with the USPS XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am in shock that I have recently been the victim of identity theft for quite some time after reviewing my report it has gone on over a year. Someone has tried getting accounts in my name and I suspect it was a former person that lived with me but I am still sorting through the evidence. Thankfully I have not yet found any accounts that were actually opened and I am notifying everyone as the instructions on the attorney website explained and attaching three forms of ID also and following all instructions. The following is the list of inquiries I copied and pasted directly from the credit report minus accounts that are mine and I applied for. Also attached is the FTC report as well. Please not on the identity theft affidavit I accidently hit South Carolina as the state and it is supposed to be North Carolina my mouse must have changed it when I scrolled down and this address matched all my ID 's. Thank you. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account terms

XXXX hospital placed a false report of collection on my credit
Complaint sub-issue: Account status

I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. The XXXX item is XXXX, it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX and Equifax if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..
Complaint sub-issue: Account status

Equifax XXXX Account Number ( XXXX ) Name ( XXXX ) Total Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ), Total ( {$86.00} ) This was the same issue. I never received a bill. Then hit with a collection. I paid ASAP because I never knew about it. I asked them to remove it because I never received a bill to pay. I had XXXX other companies that billed me properly from that hospital visit. 


They should n't have even been in collections and the credit reporting agency is not working with me to remove them. I contacted both collector and asked about removing it when I paid and they said that the agency does that and they are failing to do so. I am feeling the effect of this bad credit reporting now and do n't like it as it was not my fault they sent the bill to wrong address on both of these accounts.
Complaint sub-issue: Information is not mine

Equifax has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed.
Complaint sub-issue: Information belongs to someone else

This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report EQUIFAX that I still owe a mortgage loan. My account ins blocked in their website
Complaint sub-issue: Problem with balance transfer

I XXXX XXXX called into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a XXXX  who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute XXXX XXXX  and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the XXXX in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help
Complaint sub-issue: Was not notified of investigation status or results

Equifax, XXXX  and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrec

t reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit
report or update the late payments to paid as agreed,