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

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however,  because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Complaint sub-issue: Trouble with how payments are handled

I consolidated my loans through FedLoan Servicing. I am currently on PSLF and as instructed, have been attempting to get on the lowest payment plan since approximately XX/XX/XXXX. I was originally quoted as having a monthly bill of approximately {$220.00}. However, when my first bill came in ( XX/XX/XXXX I believe ), the bill was approximately {$330.00}. I was told that I needed to switch to the revised income based repayment plan to get the monthly bill I was originally quoted. I reapplied and was given the same monthly bill amount. I was told there was an error and that I needed to reapply once more. I did so, was quoted at approximately {$220.00}, but then there was another error. For some reason, I was not switched to a different plan and my bill was still {$330.00}. This continued for months. I do n't know how many times I have reapplied. The most recent application was filed on XX/XX/XXXX. During all the period ( s ) when I awaited the determination of what new plan I would be assigned, the account was switched to standard repayment ( a bill of approximately {$500.00} per month ). I called and was informed that unless I went into forbearance, I would need to make standard repayments. I can not afford {$500.00} a month, so I had no choice. As a result of all this, my account has been in forbearance all but one month since XX/XX/XXXX. I have finally been informed that I will be switching to the pay as you earn plan and will have a bill of {$210.00} per month starting on XX/XX/XXXX. That is what I wanted back in XX/XX/XXXX when I originally applied. Meanwhile, I have been in forbearance. As such I have only been able to make one qualifying payment towards the 120 for PSLF and my overall debt has increased greatly due to these forbearances. This is just wrong, plain and simple. Even if you only consider my most recent application, it has taken four months to process. If you consider the time since my initial application, it has been ten months. Additionally, in XX/XX/XXXX I will be switching to a new job. I do not want to have to go through the same thing all over again and wait ten months!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX  Account numbers ending in # XXXX ( Account Name : XXXX XXXX XXXX ) and # XXXX ( Account Name : XXXX 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 an account without my written instructions
Complaint sub-issue: Problem with rewards from credit card

I have been trying to get my Citi bank Credit Card rewards since XXXX of XXXX. I have multiple credit cards with Citibank, and one of them offers cash back. 

I redeemed my rewards in XXXX  ( and have since seen the rewards deducted from my account ) and I have chosen to have the rewards in the form of a check delivered to my house. 

I never received the check. After waiting the advised time ( 3-4 weeks ), I called and confirmed the check was never cashed and informed them I never received the check. This was late XXXX. I was told they would resend the check and to wait 3-4 weeks.

I again did not receive the check. I called citibank ( in early XXXX  ) back and asked about it, and they said they would AGAIN send the check. It is now XX/XX/XXXX and I have not received my check. 

I have no confidence citibank is even sending me the check. When I last spoke to a person at citibank, they had no record of my conversation in XXXX  and no recollection of resending me the check. 

The rewards check is in the amount of {$370.00} and was originally redeemed on XX/XX/2020.
Complaint sub-issue: Received bad information about your loan

Received notification on Saturday, XX/XX/XXXX that read : " YOUR STUDENT LOAN IS ABOUT TO DEFAULT! 
WE CAN HELP! 
CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. 

Contact us today so that we can help you avoid the serious consequences of defaulting on your student loan ( s ). 

If you are unable to make a payment, there may be options to bring your account ( s ) current as soon as today! Once current, we can explore repayment plan options to help you stay current. Calling our expert loan counselors today is the fastest and easiest way to resolve this delinquency. 

If you don't take action and your loan ( s ) default the balance will become due in full. You risk having a portion of your paychecks garnished and your future federal tax refunds withheld and automatically applied to the balance of your defaulted loan ( s ) until paid in full. On top of this, collection fees can be assessed increasing your balance as much as 15 %! 

Take action now so we can help you remain in control of how your student loan ( s ) is paid. As  mentioned above, once your account is current, we can look into repayment plans that will help make your student loan payment ( s ) affordable for the long term. 

PLEASE CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. WE WANT TO HELP! 

You can also contact us via email at XXXX or via our website mygreatlakes.org. '' When I contacted the new loan holder ( AES ) on XX/XX/2018 they showed by account in good standing/current as of XX/XX/2018. 

I called XXXX XXXX on XX/XX/2018 to inquire about why I was receiving delinquency notices when the account was up to date but they claimed they could not change anything until they received the information from AES. 

I called AES on XX/XX/2018 who confirmed my account was in good standing and told me XXXX XXXX has all the information regarding my account and was unsure why they were sending me deliquency notifications.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have received multiple inquiries on my credit profiles. From unknown sourcesXXXX  equifax, XXXX in the past. I was victim of my identity and personal information being exposed. Only hard inquiries should be on my report is XXXX. XXXX XXXX on XXXX, and XXXX XXXX. On my XXXX profile. I since placed security freeze on my profiles. Attached to this complaint is police report, and fedral trade identity theft report number.. Equifax is knowingly reporting over XXXX fraudulent hard inquiries. Address that dont match my id. equifax is also still blocking me from see my credit report after I purchased the monitoring subscription through equifax website.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a hard inquiry or pull on my XXXX credit report on XX/XX/2017 from CitiBank : Institution Information CITIBANK NA., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I never applied for any type of credit card on that day with CitiBank nor did I authorize them to check my credit score. This is either due to someone using my details without my permission or CitiBank conducts unsolicited credit checks.
Complaint sub-issue: Reporting company used your report improperly

Equifax knowingly left a security vulnerability on their web site allowing someone to download peoples data that we never gave them authorization to hold. I checked their security site and it said my data was probably stolen. Why ca n't they tell me for certain? Their only offer to help us who were victims of their decision to ignore known security vulnerability is 1 free year of credit monitoring. Except to enroll we have to agree to the use agreement which a ) contains legal terms and statements that I do not understand and b ) part of it says I agree to " arbitration '' and exactly what that means or applies to is unclear. I tried to find further information but they have no clear information available. I have spent hours now trying to find a definite answer and am more confused and very upset. I spent years building my credit to a XXXX FICO just to have a credit agency treat my private information as if it is less important than their bottom line. This choice is clear when they chose not to spend necessary money so they had an adequate level of security. Furthermore, I never gave Equifax authorization to have my data in their possession, other corporations did. Who is now legally liable for the choices made by these " corporations ''. If corporations are people why are n't the " people '' who are these corporations made to answer for breaking laws?! It was one or more individuals who made these choices to favor profit over consumers so this individual ( s ) should be indicted. Who am I supposed to turn to for advice on what I should do? I can not afford expensive financial experts!! Who can I turn to for assistance and questions I may have?
Complaint sub-issue: Their investigation did not fix an error on your report

there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and Equifax 2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Complaint sub-issue: Frequent or repeated calls

Conns Furniture calls repeatedly from different numbers about my account. They start calling and sending emails and my account is not even 30 days past due. They love to call before XXXX on Sunday mornings and at least 10 times daily. They have even called my job, but I got that straight with them. It is just harrassment and I need it to stop.
Complaint sub-issue: Don't agree with the fees charged

22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, 2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
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 {$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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Was not notified of investigation status or results

i have ask EQUIFAX, XXXX, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove
Complaint sub-issue: Debt was result of identity theft

Upon my review of my credit report I found a few accounts that are not mine
Complaint sub-issue: Account information incorrect

Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with you!!!!!!
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Information belongs to someone else

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ACCOUNT : XXXX XXXX XXXX {$1000.00}
Complaint sub-issue: Account status incorrect

Requested reporting agency provide Metro 2 complacency of reporting 30 day late on report XXXX XXXX XXXX  XXXX Account number XXXX Paid, was past due 30 days
Complaint sub-issue: Billing problem

For the past year i have complained about thus company distorting the facts on my credit report affecting my credit score. Now i made a payment on my loan on XX/XX/2021. Immediately after they took the payment i checked the payment history. Instead of crediting my account on the day they received the payment the date was set in the future so that i would be charged 2 additional days of interest on my loan. This has never been the case.The payment date always reflected the date it was received and the interest was taken for the correct amount of days. Its a simple interest loan and all interest is calculated between the date of last payment. Because they did this i was charged more money than i should have been.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter well over XXXX ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Complaint sub-issue: Account information incorrect

The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to XXXX and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact Core Logic. This error is preventing me from obtaining credit and to build towards getting a loan for a home.
Complaint sub-issue: Debt is not yours

I have a debt on my account of {$9100.00}, it just listed on my account with no other information than the agency name, the date assigned, the original balance, current balance ( which are the same )
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking and savings account through Citibank on XX/XX/2018. There was a promotion for {$400.00} after {$15000.00} is deposited. I completed the deposits but never received the opening bonus. I contacted Citibank on 3 separate occasions to have this resolved. I received a message stating that because I had previously opened an account I was not eligible for this bonus. This is incorrect. I have a letter from Citibank regarding the account they claimed was opened never got past the application process because they didn't receive the " required documents ''.
Complaint sub-issue: Indicated you were committing crime by not paying debt

My name is XXXX XXXX XXXX XXXX. 
A Debt collector going by the name of 'JEFFERSON CAPITAL SYSTEMS ' has been trying to collect a debt of {$1500.00} since XX/XX/2019 that I do not owe. They claim I made a deal with XXXX for the above amount back in XXXX  that I was supposed to pay back within a month to XXXX. 
I was homeless and collecting XXXX in XXXX  and currently still carry a XXXX XXXX  XXXX XXXX card with client I.D . XXXX I attained in XXXX XXXX  at XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX by way of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also was receiving mail at a homeless shelter called XXXX XXXX ' at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My contact there was XXXX XXXX. 
I had absolutely no business with XXXX for the amount owed and have had no business with XXXX since about ten years ago. 
The charge is not only false it's fraudulent! 
Please investigate as this is not simply a matter of credit worthiness or principal but a matter of greater importance being fraudulent. 
I had no idea about the charge until I was finally able to view my report just this month. 
I want to note that the charge has caused me considerable damage. It was a major factor in why I couldn't get an apartment. I'm now living at XXXX XXXX XXXX XXXX in XXXX XXXX  and hope to finally get an apartment soon by way of XXXX XXXX XXXX here in XXXX or through the XXXX XXXX. 
Again, the debt collector is 'JEFFERSON CAPITAL SYSTEMS ' and their address is listed as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with phone number listed as ( XXXX ) XXXX Please let me know if there's anything else you need from me. My number is XXXX and my name once again is XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

Account should show paid/ never late and closed. Instead nelnet continues to fabricate their quest to update the information however they have not does so for six accounts. CFPB consumer financial protection bureau has contacted this company requesting an immediate update, to no avail. Nelnet writes a letter stating they will make corrections but has never done so and has refused to update the credit Bureaus