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

When I or someone else checks my Equifax credit report, my XXXX XXXX mortgage payment status has the wrong information from XX/XX/XXXX through XX/XX/XXXX. The amounts that they say XXXX XXXX reported to them has the actual Past Due is doubled. This is not the case with the other credit agencies nor are what was actually being reported at the time. I have tried to file an Equifax Dispute but the information they have there is correct from what was reported therefore, I can not fill the Equifax Dispute online. When I call the Equifax Dispute Center to help me, they do not know what to do leaving me with no recourse. What they are miss reporting is lowering my Equifax credit score and holding up using my good credit. I would like the information to be what XXXX XXXX has reported to them found on my Equifax credit report.
Complaint sub-issue: Problem getting report or credit score

Equifax refuses to allow me to speak to a supervisor
Complaint sub-issue: Account status incorrect

My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.
Complaint sub-issue: Debt is not mine

XX/XX/XXXX I agreed to " pay '' for my Step daughters ( XXXX XXXX XXXX lease deposit for her student housing XXXX, one of the conditions they had ( I found out after the fact in reading the lease ) for her was that she had to have a cosignnor in order for the lease to be signed. Bottom line when they XXXX forwarded the paperwork for me to sign ( for the lease deposit ) it was asking me to sign on her behalf for the lease. I REFUSED and immediately told her I would not. 

This company " Hunter Warfield '' within 30 days of my refusal to cosign and or sign for the lease ( On XXXX behalf ) started calling me at my place of business, my home and my cell phone weekly threatening me with lawsuits demanding me pay in full for a lease that was never signed ( THEIR OWN TERMS WERE GET A COSIGNOR WHICH SHE COULD NOT, AND NEVER DID ). She told them numerous times she could get no one to sign on her behalf. She eventually found other housing with oter students. It took me over a year just to get the harassing phone calls from Hunter Warfield to STOP. 

Now XXXXforward to XX/XX/XXXX, I decided to refinace, I have a derogatory collection account on MY CREDIT REPORT from Hunter Warfield. I have contacted them numerous times asking what and why I have a {$260.00} unpaid collection charge on my account. I have no clue what and or how this is and neither I nor XXXX ever signed anything agreeing to any charge with this company XXXX. 

in communications with a XXXX XXXX ( Manager at Hunter Warfield, he is no longer there by the way ) he did indeed admit that no lease was ever signed and XXXX XXXX never moved into this facility, he suggested I get a letter from XXXX stating I should not have any costs associated with XXXX or myself and he would work to clear this from my account. 

I got a letter from XXXX XXXX XXXX University stating just that, It is not my charge nor my Step Daughters expense whatsoever, now I 'm dealing with XXXX Hunter Warfield and he is saying now that he needs to " verify '' via letter XXXX that I do n't owe something that I have no clue as to what or why I owe any money whatsoever. 

How is it a company ( I have no idea who Hunter Warfield is, nor did I ever sign any document with them ) can just put a bogus charge on my credit report with zero back up documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Charged too much interest

Discover said they were going to lower my interest rate. However, Discover charged me 18.49 % on purchases for XX/XX/XXXX and prior and charged an additional 14.49 % on purchases made on XX/XX/XXXX and after. This resulted in me paying 32.98 % in interest monthly. The interest rate a month was {$270.00} and my minimum payment was {$390.00}. However, I paid them $ 500-700 a month. Even when I paid off the entire balance they tried to charge me {$36.00} in interest on a {$27.00} balance that was on the card for two days.They told me my interest accrued daily and there was no grace period when charging a purchase. When I complained to the company they said we will give you a {$270.00} credit on the account for an account that was opened in XX/XX/XXXX with an excellent payment history. Subsequently, I have paid off this account and closed it. I feel that they was cheating me and other consumers.
Complaint sub-issue: Account information incorrect

Citi bank credit card : I've been paying XXXX XXXX XXXX ( the collection company hired by Citi to collect payment ) regularly for over 1 year. They set up reoccurring payments and told me that they would notify me when it was time to set up the next set of reoccurring payments. Come XX/XX/XXXX I get a call telling me that I haven't played since XX/XX/XXXX. When I ask them why they didn't call me to set up the next set of payments like last time they told me that they were not allowed to call me since my payments were up to date. I told them that it wasn't fair to lead me to believe that they would call me to set up the additional payments and then not do it. On top of this I told them that I was in a FEMA declared disaster zone ( I was out of work and dealing with flooding in my house ) and asked them if they could put a hold on my account like all the other credit card companies were doing, they told me to call Citi bank. I called Citi bank and they told me to call XXXX XXXX which I did and they told me that only Citi could authorize this ; they did tell me that they were offering a temporary hold for their current Customers due to the hurricane but that I would have to call XXXX to ask them ; XXXX again told me that only CITI could do that. I started paying immediately after finding out that the payments that were set up were over and Citi is still reporting the payments as late on my credit report. I think it's really unfair that they could do report whatever they want without offering their former customers who are paying of their debt a reasonable method to address any issues. I've called Citi numerous times and all they tell me is to call XXXXXXXX XXXX   and when I do call XXXX they tell me to call citi, there is no accountability anywhere and no way for me to address these issues.
Complaint sub-issue: Didn't receive advertised or promotional terms

Discover did not fulfill their promotion regarding a {$45.00} statement credit when signing up for a XXXXXXXX XXXX XXXX membership. 

Discover sent me an email on XX/XX/XXXX ( see attached ) about a promotion that stated " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' At the bottom of the email they included the fine print which included certain criteria that must be met. One of those said that the " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' As a result, I waited until XXXX to contact them to ensure that the full three billing cycles were met. I called them and had online chats with them on XX/XX/XXXX questioning why I didn't receive the statement credit. I had followed the criteria in the fine print. I purchased a XXXX XXXX XXXXXXXX Membership on XX/XX/XXXX with my Discover card using the link provided in the email. I have never been a member of XXXX XXXX XXXXXXXX before. I authorized annual recurring charges when purchasing the membership. I purchased the membership in the U.S. I've never used this promotion before or anything related to this promotion. I do not work or have ever worked for XXXX or XXXXXXXX XXXX XXXXXXXX. I am above the age of XXXX. When I contacted Discover on XX/XX/XXXX they could not provide me a reason why I would not receive the {$45.00} statement credit and they said there was nothing they can do or I can do to remedy the situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF EDXXXX Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Deposits and withdrawals

So it all started when I did my taxes with XXXX XXXX XX/XX/2022 I did credit karma to get an 2,500 advance which I received I believe that same day or the next. So I was having problem taking money off my card I was calling representatives back to back nobody could help so I linked my XXXX bank account with them to transfer money when I did thats when they sent me a confirmation email but with the wrong account number so they then locked my account without notifying me I could only contact the specialist team through email they never told me what was going on until later they needed proof of my identity and bank statement but the bank statement was for another account that wasnt mine that they wanted me to provide so I sent my actual bank statement and proof but still Im under review and my account is locked I talked to 2 supervisors and so many agents nobody could help and they keep saying they will email the specialist team thats all they can do they cant see anything in my account this been going on almost a month now I submitted my forms several times on their website and through email I told them just send my money in a check but no response please help I need my money and my tax money that suppose to be coming to that account Ive tried everything that they told me
Complaint sub-issue: Account status

Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}, {$0.00}, {$2400.00}, {$380.00}, {$1600.00}, {$760.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # HLTHCEXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX card nor was I a authorized user on this account like they are tellng me not my account
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are handled

I obtained a loan from Genesis Lending in XX/XX/XXXX to attend XXXX XXXX in XXXX, MI. After XXXX and obtaining a job, I began auto paying the {$99.00} payment each month and started saving so I could pay off this high interest loan. On XX/XX/XXXX, I paid the balance of {$2800.00} online and called the next day to speak to someone to verify that it was paid in full. I was informed that there was a balance of {$11.00}, but that that would be credited due to the balance being paid. I checked my bank account on XX/XX/XXXX and saw that they had taken the {$99.00} payment on XX/XX/XXXX even though the loan was paid off. I called and they were very rude and not at all helpful, informing me that it was my responsibility to go to my bank and dispute the charge or else send them a statement as proof that it came from my account. I informed them that I work during banking hours and I feel that it is their responsibility to fix their mistake and they can see that it came out of the same account that every other payment came from. I asked to speak to a supervisor XXXX times and was told she was having technical difficulties and unable to talk. After XXXX minutes, I was finally connected to a supervisor who told me that there was nothing she could do to correct their unlawful withdrawal of money that was not owed to them. I asked to speak to her supervisor and was informed that the account manager would not be in until the next day and would call me back. I never recieved a call from the account manager and am still waiting for this to be resolved. I believe that it is illegal to withdraw a payment on a loan that is paid off and very unprofessional to not do everything they can to fix this.
Complaint sub-issue: Information belongs to someone else

This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, XXXX and Equifax credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX XXXX   XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX XXXX did not. For this reason, the property began a Foreclosure Deed in XXXX procedure. The XXXX XXXX XXXX  was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX   XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX XXXX and XXXXd to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on Equifax, Experian and XXXX XXXX and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX  should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
Complaint sub-issue: Was not notified of investigation status or results

THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 alleged identity theft, not later than 4 business days after the date of receipt.