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

On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.
Complaint sub-issue: Their investigation did not fix an error on your report

Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with Equifax as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and Equifax both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00}
Complaint sub-issue: Information is not mine

I am a victim of identity theft. I have faxed and mailed my identity theft affidavit and police report to Equifax Credit Bureau as well as letters from companies stating that they will remove my information from their data base ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that are reporting fraudulent accounts on my credit report. Someone has obtained a personal loan from XXXX XXXX XXXX XXXX and a auto loan from XXXX XXXX XXXX. I am not sure if Equifax Credit Bureau is even submitting my disputes with my documentations to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX to support my claim. I also reached out to XXXX XXXX XXXX regarding fraudulent activity on my XXXX XXXX credit card. Someone made a duplicate credit card with my information and made over {$3000.00} of transactions. I sent XXXX XXXX all of my supporting documentation ( identity theft affidavit & police report ) but my credit card is still maxed out when my balance should be nearly {$1700.00}. " PLEASE HELP ME '' ... ....
Complaint sub-issue: Called outside of 8am-9pm

Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was XXXX.
Complaint sub-issue: Reporting company used your report improperly

1 ) Fidelity via their contract credit card servicing company Elan Financial, places secret " Remarks '' when reporting to Credit Bureaus which report such secret " Remarks '' to mortgage lenders. 
2 ) In my case the secret " Remarks '' are a result of me following the credit card company 's process for filing a dispute regarding a financial transaction.

3 ) In the particular case after repeated filings with Fidelity our dispute was upheld and Fidelity issued a complete refund. 
4 ) The dispute arose from a firm which poses as the U. S. Postal Service and charges rates about 90 times higher than the U. S. Postal Service. This firm has regularly received numerous complaints so much so that the USPS.gov issues warnings on its own website. We never received any services from this impostor yet Fidelity upheld the company 's counter appeal two or three times prior to settling the matter in our favor. 
5 ) The " Remarks '' reported to the Credit Bureaus reflect only the fact that we exercised our right to file a dispute.

6 ) I tried to have the " Remarks '' removed in a timely manner due to the fact that these remarks are impairing our ability to secure a mortgage in the immediate future. 
7 ) Instead of receiving " XXXX XXXX XXXX '' from Fidelity I received a run-around. 
8 ) I only was informed of these " Remarks '' due to both initially verbal and subsequently email information available only to lenders and not the credit card holder.

9 ) I have expended over 20 hours attempting to remedy these violations of the Fair Credit Reporting Act. 
10 ) XXXX 's XXXX score for me is XXXX yet these " Remarks '' will prevent me from securing a mortgage loan according to my loan processor.
Complaint sub-issue: Public record information inaccurate

XXXX is reporting a Bankruptcy on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report
Complaint sub-issue: Charged too much interest

I have been a Discover Card holder since XX/XX/2007. In that last 12 years I have always made my payments on time and yet Discover has never offered me a lower interest rate. I spoke with them many times and they still say they can't lower my rate. They are charging me an outrageous rate of 24.24 %!! WHY! The Federal Prime Rate is 5.25 % which is even higher than the Federal Funds Rate of 2.25 % Why am I paying 24.24 % interest and going on to 29.9 % interest if I've never had a late payment!!! This is nothing but Predatory Lending to the extreme. I've also noticed that women have higher interest rates than men. Someone should look into that as well. I demand an explanation.
Complaint sub-issue: Received bad information about your loan

I had signed up for paperless communication when my loans first came due back in XXXX. I went back to school, and when I left, my school e-mail, which I had on file with Fedloan Servicing go deactivated. When my loans came due again ( XXXX XXXX ), I was receiving communication through such e-mail, which was no longer working. So, I was never aware that they had come out of deferment and never received a letter in the mail when payments came due, even though they had my address on file. They reported all my accounts as delinquent to the credit bureaus. I take my obligations very seriously and always strive to keep a clean credit report. I never missed or was late on payments when my loan was first due ( from XXXX through XXXX XXXX ). Also, I continued making interest payments on my loans during times when my loans were in deferment, by setting up direct payment from my bank account. In addition, after I learned about this issue, I set up direct debit for my payments and made my first payment on XXXX XXXX, XXXX, to avoid any issues in the future. This is the only black mark I have on my report and has caused a huge decline on my credit standing, which is hurting me every day. I feel like their practice is very unfair and their communication very poor.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX  XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}
Complaint sub-issue: Account information incorrect

Please update all of my personal information on EQUIFAX, XXXX, and XXXX 

I would like all the names, phone numbers, and addresses along with removing any co applicant or spouse from my report My only name is XXXX XXXX My only phone number is XXXX My only address is XXXX XXXX XXXX XXXX, Ohio XXXX My only employer is XXXX i am self employed. 

There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed in my dispute letter? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Equifax Information Services LLC is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave Equifax Information Services LLC any written consent to report anything on my consumer report. No consent is Identity Theft.
Complaint sub-issue: Account status incorrect

MS SERVICES LLC, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, MS SERVICES LLC who credit damages me in their extortion attempt.
Complaint sub-issue: Not given enough info to verify debt

my debt from a collection agency was sent to a different agency & the orangnel date of XX/XX/XXXX was changed to XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Complaint sub-issue: Account information incorrect

Equifax has a closed date of XX/XX/XXXX which is inaccurate information. I have a copy of a letter as of XXXX XXXX showing a balance of {$0.00} before XX/XX/XXXX. Therefore Equifax has once again has place false information on credit report. According to ( FCRA ) agencies should report accurate information. I am asking for a physical investigation not E-Oscar or Metro2. The correct closing date was in XXXX of XXXX as I wrote it down after speaking with XXXX  XXXX representative. I wrote the information on the envelope. Plus the date of the paperwork show I contacted them before the closed date as Equifax has submitted.
Complaint sub-issue: Information belongs to someone else

when Equifax got breached in XX/XX/2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. Equifax sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at Equifax 's discretion. If my information would have never been " hacked '' or " breached '' by Equifax I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want Equifax to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party  furnishers but Equifax refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,
Complaint sub-issue: Account status incorrect

Starting XX/XX/2022 I worked with XXXX Mortgage to resolve a missing payment issue. This payment was missing due to the transfer from XXXX Mortgage to XXXX Mortgage in XX/XX/2022. I did not receive a statement specifying where to send payment to XXXX so I continued to pay XXXX. The XXXX payment was lost by the mortgage service provider. I provided mortgage statements, payment history and bank statements to XXXX Mortgage to verify the payments were made on time. The completed their investigation and finally provided a letter on XX/XX/2022 stating the payments were made and their records were updated. They also mentioned that they never reported anything delinquent to my credit report. I investigated my credit reports and found the late status was reported to the bureaus and it affected my score by XXXX points per report. I have requested the bank reverse this information and they told me I need to MAIL a paper copy of my credit report to their XXXX XXXX po box and they would review. This is a completely unacceptable solution and frankly a dangerous one considering the high volume of identity theft. I have attached their letter as proof.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX  Equifax and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge XXXX   XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
Complaint sub-issue: Account status incorrect

CitiMortgage has reported & verified with XXXX XXXX that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XX/XX/XXXX & beginning of XX/XX/XXXX when it was not. Court papers Citi Mortgage filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with XXXX XXXX, most recently in XX/XX/XXXX, copies of the court papers CitiMortgage filed were included in the dispute but CitiMortgage keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. Citi Mortgage reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent XXXX XXXX the proof that Citi Mortgage is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/XXXX.
Complaint sub-issue: Information is missing that should be on the report

After graduating in XXXX, I began receiving letters from Nelnet instructing me on how to pay my student loan bill. What I did not realize is that there were actually two separate accounts and that notifications for one of these accounts were being sent to my university email, which I was not able to access off campus. I was paying that 1 loan for months when all of a sudden I received a letter in the mail saying that my account was delinquent and I needed to bring it up to date. At first I thought this was a mistake. I had been paying my bill for months and had not even been late on a payment. When I called I learned that there was another account that I was supposed to be paying for MONTHS, yet Nelnet had waited until XXXX of that year to finally mail me a physical letter about my " missed payments ''. As discouraging as this was i brought the account up to date and HAVE NEVER MISSED A PAYMENT ON ANY ACCOUNTS. 

This nelnet issue is still affecting me almost 8 years later. My wife and I are trying to buy a house and my credit score is STILL only XXXX despite never missing a payment on any accounts. My credit card debt is minimal. A XXXX credit score does NOT reflect who I am as a borrower. 

I felt that Nelnet could have taken additional steps to ensure borrowers were receiving billing notifications. I dont understand how they can reach out to an INACTIVE email account for close to a year before finally sending a letter to me. I dont understand how my score is still being pulled at XXXX despite never having missed a payment on any other account in my life. This score does not reflect who I am as a borrower, you will see this upon taking a look at my payment history. 

I have spoken to other nelnet borrowers on blogs and even in person and have found that this is not uncommon at all. Nelnet should be taking every step necessary to contact borrowers given the especially dire consequences that come along with not paying your federal student loans.
Complaint sub-issue: Account status incorrect

I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on XXXX.
Complaint sub-issue: Account information incorrect

The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.