Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

While trying to pre-qualify for a new mortgage to purchase a home, I was advised by my mortgage broker that XXXX XXXX, my previous mortgage company, reported late payments on my loan account for XXXX and XX/XX/XXXX. I contacted XXXX XXXX  in XX/XX/XXXX to have the incorrectly reported late payments removed. On XX/XX/XXXX, I received a letter from XXXX XXXX  confirming the incorrect reporting had been removed. In XX/XX/XXXX, I was advised by my mortgage broker that in removing the negative reporting for XXXX and XX/XX/XXXX, XXXX XXXX  reported a late payment for XX/XX/XXXX. I had paid the loan in full and closed the account on XX/XX/XXXX. I again contacted XXXX XXXX  about the incorrect reporting. On XX/XX/XXXX I received a letter from XXXX XXXX  stating the incorrect late payment for XX/XX/XXXX ( 8 months after the loan was paid in full ) was submitted to Equifax for removal on XX/XX/XXXX. On XX/XX/XXXX, I was advised by my mortgage broker that the XX/XX/XXXX late payment was still showing on my credit report and, as before, preventing me from pre-qualifying for a new mortgage to purchase a new home. I contacted XXXX XXXX  and was told that they would " look into it '' but it could be several days or longer for a resolution. I insisted that the matter be escalated due to preventing me from purchasing a new home. I was promised a callback by end of day on XX/XX/XXXX and did not receive one. I contacted Equifax to ask why the credit report had not been corrected when the correction was supposedly submitted by XXXX XXXX  on XX/XX/XXXX and I was told it could take " 30, 60 or 90 days '' to resolve. I inquired why they would report to my credit that a payment reported late 8 months after the loan closed would not have been flagged as incorrect in the first place. I was not given a satisfactory answer to that question. I asked how to get the issue resolved quickly to prevent further holding me up on qualifying on a new mortgage and was advised that I can " open a dispute that will take up to 30 days to resolve '' or I could " mail the letter received from XXXX XXXX  along with a copy of my Driver 's License and Social Security Card '' and they would try to correct it within 7-10 business days from receipt of the mail ''. I stated that I would not put that much personal information into the postal system for fear of identity theft. I asked for other options to resolve the matter but was told there were no other options and that I would just have to wait it out. Again I asked why they could not correct the wrongful late payment reported since the account reports that it was paid in full 8 months prior and therefore they had participated in the violation of the Fair Credit Reporting Act. I was only told to open the dispute and wait the 30 days. I explained that I am unable to continue the search for my new home until I can get pre-qualified for the new mortgage and this is holding up that process. I again was told that there was nothing further that Equifax would do to assist. I requested the matter be escalated higher within Equifax and was told they would not do anything further.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a total of 17 derogatory items that do not belong to me with XXXX, Equifax, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different  spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX  11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX  15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I tried to apply for a mortgage. But the mortgage officer told me that they were n't able to pull my credit report from Equifax. I, then, proceed to contact Equifax, they were not able to find my credit report with my name, social security number, date of birth. Later I found out that my credit report got mixed up with my brother 's credit report. They ask for my ID and SS card to verify my identity. I promptly send them my ID an d my SS card. Yet, I called again after a week, they still have not able to confirm my identity, despite that they claim they will get back to me within 48 hours. This was an urgent request to them because my mortgage officer needs to pull my credit report by XX/XX/XXXX, 2017.
Complaint sub-issue: Reporting company used your report improperly

I went to XXXX XXXXXXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have an existing credit freeze with all XXXX credit reporting companies since 2014. I have had special pins and log ons and was always able to unblock my credit for specific companies for short time periods. 

Currently I can not un block my credit with Equifax. I have tried to reset my pass word 3 times online and can not get anyone on the phone after multiple calls. 

I DO NOT WANT ANY OF THEIR STUPID MEMBER XXXX, i don't want emails I just want to block and unblock my credit reports when I need to. 

Currently, XXXX XXXX is reporting an Equifax Member XXXX set up is blocking all 3 credit reports to their company to complete a mortgage application.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

It has come to my understanding that through multiple phone calls with Hunt & Henriques whom are representing XXXX XXXX XXXX XXXX XXXX XXXX ) that they have used deceptive, false and misleading practices towards me. They have misrepresented themselves as representing the original creditor, XXXX. When they reference the alleged amount that I owe, on more than one occasion, they referred to the account as " better known as '' or " also known as '' or " " you may know this as '' your XXXX XXXX. '' Hunt & Henriques contacted me initially on behalf of their client XXXX XXXX, so I've come to understand. Their client is not XXXX. XXXX XXXX bought the debt from XXXX. By saying " better know as '', Hunt and Henriques misled me into believing that this account was associated in some way with XXXX and by using this language they deceived me into believing that they were working on behalf of XXXX which they were not. XXXX was completely out of the picture by the time they they called me. Their client isn't XXXX, By misleading me they gave me the false impression that repaying these funds would go back to XXXX through XXXX XXXX. This caused me to enter into a stipulated agreement with them not knowing that XXXX wouldn't be getting the money. By using misleading and deceptive practices Hunt & Henriques was able to persuade me into believing false information about the alleged debt which eventual led to a judgement. Had Hunt & Henriques not misled me into believing that this alleged debt was still somehow involved with XXXX getting their money back I would have fought the judgement. By using this deception Hunt & Henriques also caused me intentional infliction of emotional distress.
Complaint sub-issue: Can't get flexible payment options

My wife took out several loans in the past with Sallie Mae, that were federal loans and she was able to consolidate them, however while I was going to school I took out the same loans but did not know that this particular loan had become a private loan when Sallie Mae broke away and became a private bank. I now have over {$45000.00} in student loans with Sallie Mae along with {$60000.00} in consolidated loans and was told that my monthly payments would be about {$550.00} on top of my wife 's student loan payments and my consolidated payments, leaving us with a {$1200.00} student loan payment each month. I explained that I could not afford this payment and needed to know what my options where. i was told I could defer the payments for 3 months but would have to pay a {$150.00} in order to apply for the forbearance. When I asked what my other choices where they told me that I would have to prove i could not afford my payments and that they could possibly lower the payment but this would extend it from a 12 year loan to a 20 year loan. I have not had good service from the company and many have no idea what they are talking about. I was told that i could consolidate this loan even though it was private, I was told I could do a year forbearance, and I was also told that I did not have to pay any fees. This loan company seems very incompetent and only worried about what they will get paid. When i finally spoke with a supervisor I asked " what do i do if I can not afford this loan, what are my options? '' I was basically told that there were no options except to pay the {$150.00} for the forbearance for 3 months or pay a lower amount or pay the loan off ( i ca n't afford to make payments and I am going to pay the loan off? ). So what was left is to not make payments because I can not afford them, kill my credit for 7 years as well as having my wages garnished ( if that is even possible with a private loan ). Someone really needs to look into the companies practices as I was told also by a rep that this was not originally a private loan but became a private loan when the company split.
Complaint sub-issue: Personal information incorrect

To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX  AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX 1959 XXXX XXXX XXXX contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX Wheat XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send notice of a cease and desist to all creditors until documentations are properly provided.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Charged too much interest

I am being subjected to an exorbitant APR of over 24 %! I make my payments on time every month even on auto pay! The national average is an APR of roughly 16 % but yet I am being assessed a higher APR because I am considered low income and a minority! I sent a letter pleading with this company to please lower my APR and they never even responded! Apparently I am not even worthy of a response! Now because of the Corona virus, my income has dropped substantially and I am getting nowhere paying this much interest when a {$140.00} of my {$180.00} payment goes to interest!
Complaint sub-issue: Problem with product or service terms changing

- '' Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' - '' Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - '' Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX XXXXXXXX Date Opened:XXXX  Balance : XXXX XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.
Complaint sub-issue: Account information incorrect

XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XXXX/XXXX/XXXX  2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.
Complaint sub-issue: Personal information incorrect

I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX equifax and XXXX and they update as accurate please remove.
Complaint sub-issue: Account information incorrect

On XXXX XXXX I signed up with an agent of Conns home plus for a settlement of my account in the amount of {$2700.00}. First payment was XXXX XXXX of {$900.00}. Then a monthly payment of XXXX was due from XX/XX/XXXX until XX/XX/2021. The every month conn report to the credit bureau that I owe a higher balance of XXXX and decrease it by a XXXX XXXX dollars. I disputed the balance online and they never updated but never updated to the correct balance. I called and talked to a representative who couldnt tell me anything. How, why, or who I would have to talk to directly to get it fixed. Ive been making on time payments since Ive agreed to the loan terms of the settlement and want to get it fixed. This was a last resort.
Complaint sub-issue: Reporting company used your report improperly

Equifax improperly protected my identity and my financial information was stolen. Their negligence exposes me to identify theft and financial hardship,
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX is inaccurate because this item is not belong to me I am requesting that the item be removed to correct the information. 
Enclosed are copies of Dl, SSN supporting my position. Please reinvestigate this account and delete it from credit report as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX of XXXX I moved to Hawaii where I live and work full time. I have made no trips outside of the state since I moved here. In the spring of XXXX someone in North Carolina fraudulently opened a citicard credit card account in my name. I became aware when I was notified of the card being locked via a text message, which I at the time assumed was spam and ignored. Months later I was notified by my credit reporting that there was an overdue account in my name and at this point I realized what had happened and called citicard to report the fraud. I received no contact back for a year and assumed it had been resolved until I received another warning from my credit reporting. I contacted citicard and learned that my claim had been rejected, though they had never discussed the case details with me. I appealed their decision and was able to speak with an investigator on the phone and provide documents to show that I lived in Hawaii at the time the account was opened and the charges were made in North Carolina. This time I was mailed a letter saying my claim had been rejected on the basis that the credit card had been mailed to my address ( which it hadn't ). Even if that was true, clearly it was used fraudulently ( ie not by me ) as I was in HI when the charges were made in NC.
Complaint sub-issue: Keep getting calls about your loan

i have a co signer but they call every day including sundays and before 8. they have been calling my family members i dont even talk to for weeks now