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

I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct  loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?
Complaint sub-issue: Reporting company used your report improperly

According to laws of 15 USC 1681 A and 15 USC 1681 Section 602 A and its exclusions this company illegally placed late payments on my credit report adversely affecting my creditworthiness and to obtain new credit.

15 U.S. Code 1681a - ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized undersection 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( ii ) communication of that information amongpersonsrelated by common ownership or affiliated by corporate control; or ( iii ) communication of other information amongpersonsrelated by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to theconsumerthat the information may be communicated among suchpersonsand theconsumeris given the opportunity, before the time that the information is initially communicated.

The law 15 USC 1681 Section 602 A states my rights to privacy.
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, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX / XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Reporting company used your report improperly

On XX/XX/2022 XXXXXXXX XXXX, I sent several EQUIFAX executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that EQUIFAX removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave EQUIFAX permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands.
Complaint sub-issue: Didn't receive terms that were advertised

XX/XX/2021 : Opened Citi Priority Checking and Savings accounts using the link on the {$700.00} promo ( promo screenshot attached and welcome email attached ). 

XX/XX/2021 : Accounts fully funded with {$50000.00} by XX/XX/2021. This money has been left in the accounts this entire time ( as of today XX/XX/2021 ). ( screenshot attached ) XX/XX/2021 : Contacted Citi inquiring where my {$700.00} was. I was told that I had successfully opened the accounts and funded them by XX/XX/2021, and maintained balance for 60 days and was eligible for the promotion. I was told I would receive it 90 days from the XXXX day from XX/XX/2021 ( which is XX/XX/2021 ). I was specifically told I would receive it well by the end of XXXX. ( screenshot attached ) XX/XX/2021 : Contacted Citi again and they apologized that the bonus had not been applied and raised a dispute ( XXXX XXXX ). They said the investigation could take as long as 5 business days. ( screenshot attached ) XX/XX/2021 : Contacted Citi again, having received neither the bonus nor any response on the dispute. Was instructed to call an XXXX and give my dispute R number. ( screenshot attached ) I called this number and spent 10 minutes trying to get to a representative. It was not a number to a dedicated dispute department but rather was just a general customer service line and I could never get out of the automated AI person.
Complaint sub-issue: Didn't receive services that were advertised

Good Morning, In regards to the Equifax promised XXXX  XXXX credit monitoring & free credit report freezing. 
Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. 

I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. 

I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 
Please help consumers protect their credit and make Equifax follow through on their promiss.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company BMG MONEY INC is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

BMG MONEY INC ***** Opened XXXX XXXX, 2020 Balance {$0.00} Late closed ( XXXX ) BMG MONEYXXXX Opened XXXX XXXX, 2020 Balance {$0.00} Late closed XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in the regards of the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

There is an item on my credit report from XXXX XXXX/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XXXX  continues to verify this information as accurate. In addition, each month XXXX XXXX  reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I applied for Citi Bank AAdvantage Platinum Select World Elite card in XX/XX/2018. When I applied the AD said as follows : They claim in AD if following conditions are satisfied then I get XXXX bonus miles after spending {$2000.00} in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening. Unfortunately I spent more than {$11000.00} because of there luring AD and see any other conditions posted under their disclosure and was never told on the phone. So I thought it is good deal in my Senior years and I can use this mileage for my vacation but later I saw it was never awarded to me and I was shocked. 
I called them about their misleading practice and not being transparent but all they made vague argument via letter as follows : Special offers are not allowed if account is approved or closed in 24 months. But honestly I did not see in their AD Disclosures. The copy of which is pasted below. If it is hidden somewhere to me that is fraud and deliberate lack of transparency.. I would like you please resolve this issue that is fair to me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CITI ADVERTISER DISCLOSURE Partner Offer Citi / AAdvantage Platinum Select World Elite Mastercard Good to Excellent Credit  Recommended ( XXXX )? 


at Citi 's Secure Site Intro Bonus XXXX miles Earn up to XXXX American Airlines AAdvantage bonus miles : XXXX AAdvantage miles after making {$2000.00} in purchases in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening* Reward Rates 2X 2 AAdvantage miles on eligible American Airlines purchases* 2X 2 AAdvantage miles for every {$1.00} spent at gas stations* 2X
Complaint sub-issue: Keep getting calls about your loan

Received a phone call that I believe to be a scammer looking for info on Student Loans. She called from phone number XXXX ( Florida number ) and left a voicemail. She stated her name is XXXX XXXX she didn't state the name of a company she works for. She stated there would be changes to my student loan and that I needed to call her back to discuss my repayment options. The call back number she left is XXXX. She left me a reference number XXXX. This seems to be a scam because she didn't mention my name or who my loans are through. She had none of my personal info, but she was hoping that I would call her back to give her this information and likely force me to make payments towards some scam no associated with federal student loans.
Complaint sub-issue: Impersonated an attorney or official

Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.
Complaint sub-issue: Personal information

I received a letter from Equifax stating that a new address has been posted to my Equifax credit file. We have not moved and the " new '' address is actually a previous address. Equifax will not change it back. We would like them to remove this address change from their files.
Complaint sub-issue: Don't agree with the fees charged

XXXX purchased my loan under a year ago. They have since raised my interest rate 2 times, to over 50 % higher than it was when purchased. I overpay ( 'prepayment ' ) each month, and am being told through customer service that, " The payment amount may be adjusted to ensure you are paying the minimum amount required to pay the loan back within your loan term. Re-amortizing the loan prevents a large last payment from being due at the end of the loan term. ", which to me is very clearly stating, 'We are losing out on long term profits as you are overpaying and therefore need to make up for our lost profit by raising your interest rate, effectively punishing you. ' This feels predatory. Is there any consumer protection to prevent this type of behavior by the lender?
Complaint sub-issue: Personal information incorrect

I've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone please help
Complaint sub-issue: Didn't receive enough information to verify debt

Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX  & XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, XXXX  is reporting no late payments and Equifax is reporting a status of 60 days late, XXXX : XXXX  is reporting a status of 120 days late, XXXX is reporting a status of 180 days late, Equifax is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX   and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX and Equifax are reporting opened XXXX of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX  XXXX Auto Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Complaint sub-issue: Problem with fees

I have a Home Depot credit card managed by Citibank. This card currently has a zero percent rate until XX/XX/2019 for the purchase of a furnace. My statement of XX/XX/2019 showed a payment due of {$34.00} by XX/XX/XXXX. This payment was made on XX/XX/XXXX. There is no dispute about this ; the payment is included on my statement of XX/XX/2019 which requires a {$33.00} payment by XX/XX/2019. This payment was made on the evening of XX/XX/XXXX, through their phone system after the statement had closed. It was their phone system that indicated the amount of the payment due. There is no dispute about this. 

The statement of XX/XX/2019 shows this payment made on XX/XX/XXXX, but they also charged me a late fee for not making the payment that Citi does show being made on XX/XX/XXXX. Their reasoning was that the XX/XX/XXXX payment was retroactively applied to the XXXX statement without notification to me. Thus they claim there were two XXXX payments, but no XXXX payment. This is despite the fact that both the XXXX and XXXX statements show the opposite. 

I called Citi on XX/XX/XXXX and was told the late fee would be reversed, which it was. The next day another person from Citi called me demanding an immediate payment of {$93.00} to cover the " missed '' payment due XX/XX/XXXX, the new {$33.00} payment due on XX/XX/XXXX, and the {$27.00} late fee which had already been reversed. I asked for a supervisor who gave me the same story. 

On XX/XX/XXXX, still another person from Citi called demanding an immediate payment of {$93.00} because my account was overdue. This person was much more polite and understanding. She transferred me to another supervisor, who told me to make an immediate payment of {$46.00} and then pay another {$46.00} by XX/XX/XXXX. In their version of the universe, I still have the pay the " missed '' payment that they admit was paid, the new month 's payment, and the late fee which has already been reversed. I was told by the supervisor that this would be a benefit to me because these payments would be applied to principal. Note this account has a zero percent interest rate until XX/XX/2019. 

When I was in fifth grade my brother and I got a paper route and opened savings accounts. We learned about the time value of money. It is really strange that a supervisor at one of the world 's major banks would think that paying principal early would be any advantage to me.
Complaint sub-issue: Public record information inaccurate

I applied for a credit card at my credit union and I learned about a bankruptcy information I was not familiar with this so I sent a letter to dispute to lexisnexis because these weird crazy reporting places saying they are the company who is telling the about this information. It has been over 30 days and I have not heard anything - so I was told they have to delete if they do not respond in 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, I sent an letter to XXXX XXXX XXXX Home Loans ( account # XXXX XXXX. I advised XXXX XXXX XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XXXX XXXX XXXXXXXX Home Loans sold the loan to another company and should be reported 90 days past due.
Complaint sub-issue: Information belongs to someone else

On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 
Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. I DO NOT HAVE ANY ACCOUNTS WITH XXXX.. ( NONE ) PLEASE REMOVE ANY AND ALL XXXX ACCOUNTS FROM MY REPORTS.
Complaint sub-issue: Information belongs to someone else

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Complaint sub-issue: Account status incorrect

My ex-wife and I entered into a mortgage in XXXX, with Midland Mortgage Company to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with Midland Mortgage since the time of my divorce in XXXX or XXXX. 
I contacted Midland Mortgage on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to Midland. I called Midland back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with Midland which I did. A copy of my letter to Midland Mortgage Company dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing Midlands mortgage from my credit report is greatly appreciated. 
Thank you