Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Changes in terms mid-deal or after closing

On Wednesday XX/XX/XXXX, I went to the XXXX XXXX dealership with a family member who informed me that he had spoken to a sales representative who informed him that they were able to do six-month leases for situations where a co-signer was needed. I want to strongly state that I was opposed to being a co-signer for this person, what made me change my mind was what took place at the dealership. I later learned that this sales person was a friend of the family member and that the six-month lease deal was a ploy they used to convince me to co-sign for him. When I hesitated about signing the lease, the sales person told me that he had bad credit and that a family member had co-signed for him and within six-months his credit had improved and his co-signer was able to get out of the loan. I finally signed the agreement and a month later the family member started defaulting. ( I recently learned on this CFPB site that the creditor VW credit was supposed to provide me a separate notice about co-signing which they did not ). 

I contacted VW Credit to try to find a solution about the tactic used to have me sign on to this loan but instead of offering a solution they also participated in unfair and deceptive practices. On XX/XX/XXXX, I learned that they extended the term of the lease without obtaining my consent or signature on XXXX different occasions on XX/XX/XXXX and XX/XX/XXXX. Without my permission they extended the lease from terminating in XX/XX/XXXX to XX/XX/XXXX based on the co-applicants requests without informing me. The co-applicant turned in the car in XXXX of XXXX now I'm being asked to pay {$13000.00} in a XXXX XXXX invoice. My credit is ruined, it was XXXX on XX/XX/XXXX now it's in the low XXXX and now I have this debt that I can not pay.
Complaint sub-issue: Old information reappears or never goes away

My name is XXXX XXXX and in XXXX I had to file Chapter XXXX. It was the only way to save my home, I am the only person working in my house. I have children and my wife to provide for. I do understand that my credit has to undergo the worse scenario, but I know time heals. My insurance went up like crazy due to a report received by LexisNexis Consumer Center in XXXX. I understand that, but around XXXX my credit started to get better and better. I opened new credit cards, my mortgage payments were on time, I had a stable job, etc. I noticed that my car and house policies increased in price. Then, at the end of my policy renovation, I saw an explanation from my insurance company with the reason why my policy was going up in the first place ( due to the report from LexisNexis ). My agent told me to contact them and see if they can fix the problem. I contacted them and they sent me a huge report with my credit history, saying that there is nothing they can do because my record was updated at that time. I was saddened and upset by the situation. All I thought about was if it even was possible to fix this situation, eventually, I let it pass. 

Today, I rechecked my policy renovation and again I noticed the same negative report of my credit history. It demonstrated the same misleading information that was supposed to be fixed. I say that because I have an account with XX/XX/XXXX the credit bureau, which monitors my credit. I also protect my social security and as well as my family 's. My credit now is very different from what it was in XXXX and even in XXXX. I realized that I had to converse with the customer representative from my insurance company. I spoke to the underwriter and she told me that the employees from Lexis Nexis never updated my reports, even when I asked them in XXXX to do so. When I explained my situation to her, she decided to remove LexisNexis from my insurance policies, and right away my premium went down almost {$1600.00} per year. Again, she stated that this report never got updated since XXXX, but when I submitted a request to update my records, LexisNexis told me that it was updated, which was completely untrue. The damage done to my familial economy by this situation is inexcusable, simply because of the incompetence of this company. The company lied and never made my results up to date, which caused havoc and extreme difficulty to reestablish my family and I 's life again.
Complaint sub-issue: Information belongs to someone else

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Complaint sub-issue: Frequent or repeated calls

Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are spam calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX is charging excessive fees for a foreclosure that was dismissed one year prior to my lloan being transfered from Fay Services LLC, who was sued by CFPB. My loan was transfered to XXXX instead of being properly serviced. XXXX XXXX XXXX has also misapplied payments made to my loan and has taken over {$150.00} interest monthly from the mortgage payment as attorney fees instead of servicing the loan with the payment. 

XXXX XXXX has co-mingled my mortgage loan payment with these bogus fees... According to Fay Sevicing the fees only totaled {$470.00}. Why is my mortgage payment being used to pay off fees that acure {$150.00} interest monthly. This means that neither the mortgage nor the " attorney fees '' will ever be paid off. These fees should not be comingled with my mortgage and should be billed and collectedseparately. 

When I asked to pay off the fees they took the payment and instead reapplied it to montlhly payments and took feee from the payment instead of applying to these bogus fees. XXXX obviously is unfair in its practicies and i HOPE AND PRAY that government will intervene in ensuring that XXXX is fair in its trade practices.
Complaint sub-issue: Information belongs to someone else

Equifax has 2 separate credit reports for me and has interlinked and confused items belonging to me and to my mother with a very similar names. However, my mother passed away last year. It is imperative Equifax immediately corrects this as I have experienced Identity Theft this year with numerous existing accounts and new accounts. 
In addition, the previous company Equifax replied they have no record of fraud alerts Identity theft reports or security freezes on my account. This is a huge error as I have confirmation this was done on XXXX. Equifax has never been able to correctly report any tradelines as their communication between departments is in different languages. This needs to be updated and corrected NOW. 

When I called to confirm the fraud alert and security freeze, she also changed my email address. She had two email addresses so that may be the start of your issue in locating both files. I have attached the email confirmations I received. The fraud alert and freeze confirmation numbers given to me when I placed the alerts on XXXX are # XXXX my email was changed FROM XXXX TO XXXX. This is a massive issue considering you claim no freeze or alert still allowing reporting since XXXX. This needs to be corrected asap with the corrections listed in my previous complaint to the CFPB and the packet I mailed to your fraud department for the XXXX time on XXXX. I have included all Identity Theft affidavits and reports repeatedly supporting these to be removed. On XXXX I confirmed with the Equifax rep, I had extended the fraud alert, and security freeze and she said yes it was placed on XXXX. 

I just logged into the lock and alert feature online and it says credit report frozen. I have attached a screenshot with the status of frozen and user info. I also logged into MYEquifax and printed the screenshot verifying the fraud alert and frozen. My credit file needs to be fixed asap as numerous violations of rules and regulations causing huge issues for me.
Complaint sub-issue: Account status

I write Equifax in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!
Complaint sub-issue: Problem with personal statement of dispute

I sent a dispute letter for an account on my credit dated for XX/XX/2021 reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed immediately
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both XXXX  and Equifax to have these removed to no avail. I havent applied for credit since 2018.
Complaint sub-issue: Deposits and withdrawals

I made a large deposit with the teller ( 03 ) at my PNC Branch ( XXXX ) on XX/XX/XXXX at XXXX. I also requested a new ATM/Debit card because my existing card had a degraded magnetic stripe. I gave my old card to the teller and was told it was deactivated. The teller then told me she was unable to provide me with a new card, and that it would take 7-10 business days to be mailed to me. This leaves me without electronic access to my account until next month. I use this debit card to pay my monthly bills, buy my groceries, buy gasoline, and order dog food off XXXX. I do not feel safe carrying large amounts of cash. The teller offered no recourse and was dismissive of the disruption this will cause me. Furthermore, the funds from the {$10000.00} deposit I just made are unavailable until the checks clear, so I can not just close this account and go to a different bank that is able to offer me a working debit card. I have been a PNC customer since XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, Equifax the credit bureau, discovered a data breach that compromised my information which includes but is not limited to my name, social security number, credit score, etc. Despite this breach affecting not only me but 150 million other Americans, we only became aware of it in early XXXX 2017. 150 million americans experienced identity theft and for almost 2 months none of us knew. Add to that their CEO 's made sure to sell their stocks before hand.
Complaint sub-issue: Account information incorrect

I have disputed information with Equifax on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 ) XXXX XXXX act # XXXX 2 ) XXXX XXXX act # XXXX XXXX 3 ) XXXX XXXX XXXX # XXXX XXXX 4 ) XXXX XXXX act # XXXX XXXX 5 ) XXXX XXXX XXXX # XXXX XXXX Initial formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 2nd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature  on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Equifax has done nothing more than " update '' information that is not/has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Equifax appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that XXXX is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.
Complaint sub-issue: Investigation took more than 30 days

on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is both falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an inquiry on my Equifax credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX  XXXX and Equifax and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to Equifax about this not being me that attempted to establish a line of credit with this company. Equifax has refused to do anything.
Complaint sub-issue: Their investigation did not fix an error on your report

Re : XXXX XXXX XXXX & XXXX XXXX XXXX Dear Sir or Madame : Your company recently investigated and supposedly verified the above referenced account. I have contacted this company recently via registered mail requesting " Validation ''. I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for your consideration. The FCRA maintains that the reporter of the account validates the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the accounts in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information can not provide any information linking me to said account. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX That being said, you have three options : -Delete the accounts based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note : A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I was one of the millions affected by the data Equifax breach. Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place. In accordance with the Fair Credit Reporting act W.S. Badcock Corp, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please delete the 2 late payments from XXXX ( XX/XX/2016 and XX/XX/2016 ) from my credit report immediately as my rights have been violated.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX, Equifax and XXXX If failed to identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Complaint sub-issue: Information belongs to someone else

This is a formal consumer to business  ( s  ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX    XXXX   with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from   XXXX  , Equifax, and  XXXX  with no success. They have refused to update information. Accounts to be removed :  XXXX  # :  XXXX ,  XXXX   XXXX   XXXX  # :  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  # :  XXXX . Please remove all non-account holding inquires, all addresses except my current address of  XXXX   XXXX   XXXX   XXXX , IL  XXXX . These aliases reported are not my names and need to be removed :  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX
Complaint sub-issue: Debt was result of identity theft

I am writing this report as Im a victim of fraud. I checked my credit report and found that someone had use my ssn to run a backgrouch check on me to take out a lease for an apartment. The company ( creditor ) trying to collect the debt is XXXX XXXX XXXX. I have never interacted with them, never signed any physical documents online or in person, I have not received any physically evidence that I agreed to any lease. Once again I am a victim of fraud and this debt that this company is asking me to pay does not correspond to me. I have contacted the both parties, XXXX XXXX XXXX and the debt collection agency Hunter Warfield who is now trying to collect XXXXXXXX XXXX claiming that I ower XXXX XXXX XXXX for a lease on an apartment Ive never leased, signed, nor ever agreed upon.
Complaint sub-issue: Information belongs to someone else

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX, and XXXX XXXX XXXX,
Complaint sub-issue: Fraudulent loan

In the summer of XXXX I agreed to co-sign a loan for 1 semester at XXXX  XXXX XXXX  for my nephew. Unbeknownst to me my nephew took out a loan for an entire school year. Two weeks later my nephew asked me to co-sign for an additional {$1000.00}. I told him no, my nephew then used the information that I had given him for the legitimate request to co-sign for 1 semester ( approx. {$2200.00}. ) to fraudulently obtain the additional {$1000.00}. I reported this to Discover Student Loans, and was advised by them to file a police report. When I tried to file a police report a sheriff at the XXXX XXXX XXXX XXXX XXXX  told me that because I willing gave my information to my nephew I could not file a police report, but that I would have to file a lawsuit. ( which I did do, on XX/XX/XXXX filed a small claims for {$1200.00}, which is {$1000.00}. plus interest ). my nephew paid me {$1200.00} and the court awarded me {$99.00} court cost. ) For the {$8600.00}. loan it was dismissed without prejudice because it was brought too soon. I did give my personal information to my nephew however he used it fraudulently to obtain loans for more than I agreed. I found out much later from the FTC that the XXXX XXXX XXXX XXXX XXXX  was incorrect with what they advised me.
Complaint sub-issue: Personal information incorrect

My name is not reporting correctly on my credit report. 

XXXX XXXX XXXX XXXX XXXX Different addresses that does not belong to me are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX