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

I previously had my substantial student debt serviced by XXXX. Within the last year, the servicer was changed or the account was sold to Nelnet. 

Under XXXX, by default any overpayment of your monthly payment amount was automatically applied to principal. Thus, in the case of long term repayment plan, reducing the term and overall dollar amount of payments over the life of the loan. 

With Nelnet, there is no option to apply overpayments directly to principal on their paper statements or on the website ( I use electronic payments through the website ). Nelnet by default takes your overpayment and applies it to reduce your next payment. Buried deep within the fine print, dropdown menus, and additional steps which include a phone call to an account representative, there is an option to call them to change the allocation and have overpayment applied directly to principal. 

I submit there is a very good reason this feature is buried and not easy to accomplish. The servicer will be fleecing anyone who does not understand the difference of advancing to a future payment vs being applied to principal. I am sure there are plenty of borrowers out there that do not understand the difference and will ultimately be paying more than necessary over the life of the loan. I believe this is a deceptive practice. A practice I actually believed was illegal but perhaps only when applied to credit card issuers. 

I generally do not take the time to write complaints, but this practice will result in perhaps many thousands of borrowers significantly overpaying on a long term loan because they being taken advantage of by these deceptive practices.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to incorrect information found on my credit report. It has been will over 30days and I haven't received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, Equifax says XX/XX/XXXX XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, Equifax says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
Complaint sub-issue: Didn't receive advertised or promotional terms

Many years ago we transferred a balance to our Citi card with an offer that had an Annual Percentage Rate ( APR ) of 4.99 % which would last until the balance  was paid in full. We have been steadily paying the minimum each month and have never been late. We moved to a new town in XXXX XXXX and switched banks. Since we were using XXXX we changed the XXXX to our new bank. Instead of taking out just the minimum payment like Citi has always done for many years, they took out {$5200.00} from our new checking account on XXXX/XXXX/XXXX. We were in the process of selling our house and buying another one. It was nerve wrecking to suddenly have over {$5000.00} gone from our account. After many phone calls and lots of promises ( " yes we see the problem, we have to talk to this person up higher, etc. " ), we got our money back on XXXX/XXXX/XXXX and the balance was returned to the card with the promise that the interest rate would still be 4.99 %. They lied. The next statement and all since have been 18.99 %. We have called them every month. They say they will fix it every month. We have to go through the whole story each time we call. They refund the exorbitant interest then add it on the next month which makes our payment more than twice it should be. Can you please get them to honor the 4.99 % which they gave me in the first place ( I have a paper dated XXXX XXXX, XXXX that says they will honor it again, they just have n't done what it says ) and can you get them to fix their computers so that my statement will reflect this and quit charging me an 18 % interest. It makes no sense to have to call twice a month to have interest refunded, once to explain what went wrong and again to make sure it was done. Then we have to wait until the statement comes out to see that it was n't done again.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.
Complaint sub-issue: Contacted employer after asked not to

XXXX   XXXX , with Shaffer Law,  XXXX , has called my place of employment 2 times in 2 days. The first call,  X/XX/17   ,  XXXX , asking for myself-  XXXX   XXXX  . I was on a phone call with a customer. The second call,  X/XX/17   ,  XXXX , he asked to speak to  Human Resources. H e asked the HR person questions, and wanted to know when I started working at my place of employment. I have already entered a dispute on the collection they are looking at. Yet, they continue to call my place of employment. I called  XXXX , and verified his name and correct spelling, and advised him- " I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I will be reporting your agency for this violation. Do not call me at work again. " I am working on my credit and taking care of thikgs as I can, but as I said I had already started a dispute when this  XXXX  called my HR co-worker today. I do not appreciate the harassment and embarrassment at my work, nor is it legal. I want action taken against this company.   Thank you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Mo  XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

there was an {$18.00} charge by an XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX on my statement on XX/XX/19 & an International Purchase Fee of {$0.00} on XX/XX/19 that I did not recognize. I began immediately to call & try to alert the Fraud investigators at Comerica ( XXXX XXXX XXXX ), my XXXX debit card Account. Their lines were too busy to take my calls until I finally got through on XXXX XX/XX/19. the SR Number is : XXXX for my complaint & XX/XX/19, I got a dismissal letter from the Fraud Division, claiming there was a conflict in my report & disallowing my report of this theft of my SS funds. When I tried to get through to request the documents from the investigation, the lines were busy again. this is about the XXXX time I have had these unauthorized theft of FUNDS in this account & been told it wasn't a theft, but never got the records of the investigation. This is happening way too often, in this XXXX Comerica Account. I need a better result, I hear the same thing from my known XXXX recipients too. The LAW needs to be changed to require at least the business phone number from these HACKERS, so a complaint doesn't get brushed aside. I can't afford these losses of my meager living expenses.
Complaint sub-issue: Problem with customer service

I have been on the Public Service Loan Forgiveness ( PSLF ) plan for over 3 years now and recently enrolled in school. Due to my enrollment automatically triggering deferment status, I called in to request a deferment waiver so that I can continue to make qualifying PSLF payments since I do not intend to defer my payments. I have requested this waiver FOUR times and have three employee ID numbers of customer service agents to whom I have spoken. On my fourth call, I was told I should make a payment anyway, and then I would need to re-certify my PSLF even though I did that inXX/XX/XXXX ( it is now XX/XX/XXXX ).
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Complaint sub-issue: Investigation took more than 30 days

XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

Yesterday we opened the mailed and received a letter from CitiBank stating that they were closing our dispute for the {$4700.00} for the Wire Fraud due to not receiving the paperwork back that they requested. Now that's a lie, if you look at CFPB case # XXXX I attached it there as well after I faxed it. 

Please investigate the Wire Fraud and I'm attaching the paperwork to this case as well.

Also CitiBank closed my son 's account stating that they didn't want to do business with him. I think they're being bias and XXXX because he was a victim identity theft they're treating him like a crook. by closing his case. 

CitiBank also put him in XXXX XXXX  and it's causing him not to be able to get another checking account, and they did this prior to them completing the investigation.
Complaint sub-issue: Information belongs to someone else

There are accounts the do not belong to me posting on my credit report. it is causing me damages and distress. I am being denied credit.
Complaint sub-issue: Problem with balance transfer

My Citibank Credit Card has {$960.00} to be refund to me for over payment and there is more than 10 business days waiting for my refund and I have not receive it yet.
Complaint sub-issue: Debt is not yours

At the beginning of last year, I had my credit pulled for a pre-qualification for a loan. It came back that I had a collection account with XXXX XXXX that I was unaware of. I contacted the company that was handling the debt, asked for validation, and it was removed off of my credit report. It then was resold to XXXX XXXX XXXX on XX/XX/2018 and reappeared on my credit for {$460.00}. It is the only negative collection account on my report, and as I previously stated I had no knowledge of the account at all. I have tried to reach out to the company about having the account removed, and every time I called I was spoken to extremely rudely and they demanded that I pay 70 % of the debt to have it settled. The problem with that is that it will still report negatively on my report, and the debt is not mine to begin with. I even offered a smaller amount in exchange for a Pay to Delete agreement just to get rid of it because I am XXXX XXXX military and I am trying to buy a house. They were nothing but rude every single time I spoke with them, and I refuse to deal with them any longer. I just want the debt gone and off of my report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2020 I tried accessing my free credit report thru all three credit bureau 's via XXXX. I was able to successfully get the report via XXXX and XXXX. Equifax showed me verification questions that were for lack of a better word " Garbage ''. None of those applied to me so I chose None as the answer. It then said I can not get the digital report and need to submit a manual request. Upon further research via XXXX, I found that this has been a persistent problem with Equifax and folks are incensed about the experience. 

In this day and age of identity theft, I feel highly uncomfortable sending a manual and enlarged photo copy of my SSN card/any documentation that contains my unmasked SSN on it that can be stored in the company to potentially give access to nefarious people. The recent history with Equifax 's data breach has taught us they could not keep our data safe online. Why should I trust they will keep an unmasked document with my full identity and SSN on a paper copy safe? If XXXX and XXXX  can develop a software that can ask legitimate and meaningful verification questions, then Equifax should be held to the same high standard and can not be allowed to get away with the nonsense they put the consumers thru especially if this has been a known issue for over 7 years!!
Complaint sub-issue: Information belongs to someone else

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ( XXXX ) ; XXXX XXXX XXXXXX/XX/2022 ( XXXX ) ; XXXX XXXX XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.
Complaint sub-issue: Account information incorrect

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Complaint sub-issue: Account status incorrect

TXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. 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, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. 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, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. 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, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.