Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem related to refinancing

I took out an auto loan with ally financial through the dealership I bought my car from back in XXXX. Then in XXXX I refinanced my loan through XXXX XXXX XXXX XXXX. Earlier this year I got a letter from XXXX XXXX stating they needed the lean recorded title sent to them which would have their name on it as the lean holder. I was on the phone with both institutions back in I'd like to say XXXX of XXXX and XXXX XXXX requested the lean release letter to be sent out. I was also to receive a copy and was told to take that, the title and my XXXX XXXX promissory note to the XXXX to get the lean re-recorded. About a week or XXXX ago I went to the XXXX and they told me I needed a notarized letter from Ally stating they handed the lean to XXXX XXXX. I called Ally that day and asked them to fax it over to the XXXX and was told it would get there within XXXX to XXXX business days. The XXXX also stated when they received it they would contact me. Now here we are today on XX/XX/XXXX and nothing has showed up. I once again called Ally and asked what was going on, they stated they could not send the notarized letter to my XXXX directly that it had to go to XXXX XXXX and that they would have to once again request it. Mind you this would be the third time XXXX XXXX would be requesting it. I had both institutions on the phone today and Ally claimed they sent the notarized letter to XXXX XXXX twice and XXXX XXXX claims they never got it. Now Ally has stated it will be in the mail to XXXX XXXX today and will take up to XXXX business days to get to them and then XXXX XXXX has to send it to me so I can re-record the lean. Meanwhile I now have to pay a significant increase of interest to my car payment causing my payment to go from XXXX to XXXX which doesn't seem like a lot but I am living off XXXX income due to the fact my husband is XXXX and can't work and we can not afford this increase. I find this whole situation unnecessary and have been given the run around. I contacted my lawyer who advised to put in the complaint to the CFPB to have this matter investigated and to be sure things are getting done as they are supposed to, so that I may finally get my part of all this taken care of and so my interest rate does not go up. I am afraid none of this will be done by XXXX XXXX 's due date of XX/XX/XXXX and I will be forced to pay the higher amount I can not afford.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX SELF-REPORTED XXXX Balance : {$1.00} ; XXXX  SELF-REPORTED XXXX Balance : {$54.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX SELF-REPORTED XXXX Balance : {$83.00} ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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.
Complaint sub-issue: Information belongs to someone else

cra violation inaccurate information 
not mine please remove
sent po report XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

These fed loan srv accounts are reported inaccurately. The late remarks started 120 days right after good payments.
Complaint sub-issue: Was not notified of investigation status or results

BLOOMINGDALES DEPARTMENT Has been reporting a late payment on my XXXX and XXXX credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( XXXX, Equifax, XXXX  ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b. 
It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.
Complaint sub-issue: Account information incorrect

Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 

1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 

2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from Citi Bank are present on my credit report. 

I've gone to Citi personally with my neighbor to get assistance with the error. Citi refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
Citi bank refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from The XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
Thank you.
Complaint sub-issue: Didn't receive services that were advertised

On XX/XX/XXXX, I received an alert from Equifax Gold Credit Watch service that my XXXX XXXX account balance had increased {$1900.00} to {$2300.00}. I immediated checked my XXXX account, and there was no such transaction current or pending, or any balance nearly that high past or present. I used the Equifax service to check my credit reports from all 3 bureaus. There was no such transaction at any of them. I have had a freeze at all 3 bureaus since XX/XX/XXXX and when I checked, none had reported any fraud activity or credit check attempts. 

The Equifax service provides no additional information. I contacted them to ask them what this alert was based on. I was told it was up to me to investigate, that the alerts are usually " routine '' and might be up to 90 days old. In fact, the last transactions showing on my credit report for my XXXX account is fromXX/XX/XXXX!! I replied that I did investigate and found nothing, and needed details regarding the account number, date of transaction ( s ), vendor, etc. I was told again it it was up to me to investigate. They have refused ( or are unable to ) give me any information on this alert. In my attempts to talk to someone on the phone I have been put on hold, dropped on a transfer, and still not gotten any information. 

By their own admission, this is not an " early warning '' alert. It does not, apparently, reflect what is happening on your own credit report. Not only does Equifax not provide accurate information -- they do n't provide any at all!
Complaint sub-issue: Information belongs to someone else

I'm filing this complaint because my credit reports include fraudulent information. On XX/XX/XXXX, I submitted a dispute letter with all of my personal information attached to the credit reporting agencies. I have reported the theft of my identity to the FTC because I am a victim of identity theft. The things I'm contesting have nothing to do with any purchases I made or gave my permission for, and I didn't gain anything from identity theft either. The Credit Reporting Agencies are obligated to delete any accounts and information included on an ID Theft Report in accordance with FCRA section 605b. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims was obtained through identity theft no later than 4 business days from the date of receipt. I'm asking the credit bureaus to abide by the law and delete the following things from my credit file since they were caused by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX   XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hi yes this company called me a few months a go repeatedly and harrassed me about a debt that's has been discharged off my credit a year ago due to identity theft and it was removed. This company Enhanced Recovery has now since the call and I informed them of this matter and the guy I talked to I can't remember his name insisted that this was my account and if I didnt take care of it they was going to send it the credit Bureau and I told them if they do i will report them and it was illegal to access or send fraudulent stuff to my credit file and impact my credit. They took matters in they own hands and reported this to my credit file which has impacted my score dramatically and this has caused a very drastic change to my score and my lively hood in which I stated and told them this was a fraudulent account that has been filed as identity theft and removed a year ago. The agent was very rude and disrespectful and said oh it's going on your credit report. This is very frustrating and how can these illegal tactics by these so call recovery companies be used to ruin people 's lives. Then it shows I opened this account up in XXXX XXXX which is a violation especially when this matter has been taken care of a year ago.
Complaint sub-issue: Personal information incorrect

After my 2nd attempt to correct my address to include only one address, nothing has changed.
Complaint sub-issue: Debt is not mine

XXXX XXXX XXXX, located in XXXX, Texas, mistakenly sent my name over to ProCollect in error as part of a new XXXX training.
Complaint sub-issue: Debt is not mine

I do n't have an account with this AFNI , INC . 

AFNI , INC, XXXX, IL XXXX XXXX. 

AFNI , INC claimed that I owned them {$600.00} and reported this account under Collection ( XX/XX/2016 ) with three companies XXXX. This action is incredibly damaging to the consumer credit and damaging my employment opportunities. Most companies these days want to check a potential employee credit reporting before hire.
Complaint sub-issue: No notice of investigation status/result

I have been sending letters asking the credit bureaus to verify the information on my reports and if they cant I have asked them to remove them and delete them which they have not done to this date. It has been 4 months asking them with no help. They continue to send me back my credit report telling me they verified the information but send me nothing showing that. I want these items removed they have delayed this long enough.
Complaint sub-issue: Transaction was not authorized

Hello, My business checking account with US Bank was hacked and used to send unauthorized payments using XXXX. I only found out about this when I checked my checking account some time after these four transactions. I did open up a claim with US Bank but it was denied stating that the transactions were posted as requested, even though I never authorized these transactions. 

When filing the claim with US Bank, US Bank notified me that business checking accounts only have a one day window to submit a claim, while personal accounts have about one month. The reason for the denial of this claim was that I had filed the claim more than 1 day later from when the incidents occurred, as I am a business owner and do not check my checking account every day since I am busy with work. It appears as though someone accessed my username and password and sent these transactions without my knowledge. 

XX/XX/2020 {$300.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00}
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a citi retail services, citi bank online card with them and LLbean. Called on XX/XX/2020 due to the XXXX XXXX outbreak, and being infected. Could barely talk. Told the guy that I need to defer the XXXX payment due to hardship. He said dont make the payment and you will be penalized. Other credit card companies I have dealt with now waived payment and interest for one month. I presented this to him. Left me on hold waiting for supervisor for 2 hours before I hung up.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus Investment Group Portfolio NO 15 LLC. In XX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus Investement Group Portfolio NO 15 LLC about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus are reporting erroneous information on my credit file and i've been disputing the information for months.
Complaint sub-issue: Account status

On my equifax credit report it states in the status section that my XXXX account is a charge off. I paid this card off in XXXX 2014. It has been reporting incorrectly since I paid off the card. I have called finger hut and they do not know why it is being reported incorrectly. The status is not a charge off. This was paid off.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I was reviewing my XXXX checking account and noticed I had Non-sufficient fund transactions ( NSF ) actions on XX/XX/XXXX, XX/XX/XXXX where there were clearly enough money to pay the minimum payment amount that I authorized to be withdrawn monthly for my minimum payment amount to Sears Citi. I called my bank to address the XX/XX/XXXX and XX/XX/XXXX transaction and they agreed that something clearly was not right about the transactions being that there was ample funds in my account, and all of the previous authorized monthly payment from Sears were withdrawn from my account ok. Unsure what happened they agreed to investigate. On XX/XX/XXXX, I checked my XXXX bank account for review and noticed another NSF fee from another Sears transaction dated XX/XX/XXXX. At that moment I immediately phoned Sears ( recording stated call was being recorded for training purposes ) to find answers on why my authorized minimum payment was not being withdrawn from my bank, and why I was accumulating NSF transactions when there is clearly funds in my account. The representative then informed me that Sears was attempting to make a withdrawal from my XXXX account in the amount of XXXX dollars for the balance of a promotion from XX/XX/2016, which I did not authorize Sears to withdraw any money from my XXXX account at the end of the promotion. I never received any call or mail correspondence in regards to authorizing Sears Citi to withdraw money from my XXXX account for balance from a promotion, and found this action to be truly unlawful and warranted legal action with punitive damage ( recurring NSFs can be detrimental to my home buying process, employment, and my good history with my bank ). Decided to contact CFPB to ensure that myself and other law abiding citizens are not being tricked, as well as have unlawful, unauthorized bank account withdrawal by Sears Citi.
Complaint sub-issue: Their investigation did not fix an error on your report

Victim of Identity Theft due to vehicle larceny FTC # XXXX. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

I've provided ample evidence the negative information found in my file is incorrect due fraud. Each time I dispute these files are Re-aged with the XXXX reset to the current month. The worse part is the furnishers themselves constantly misspell my name, so how may one depend on a fair review if the details are incorrect from the companies entrusted to furnish. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts deleted immediately XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, ( duplicate account discovered XX/XX/XXXX ) XXXX provided a signature of an electric check mark as proof ) XXXX XXXX XXXX # XXXX Account Balance ( actual amount XX/XX/XXXX {$260.00} and closed paid in full {$530.00} XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is XXXX  and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, equifax and XXXX  any help here would be greatly appreciate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple credit inquires without my knowledge Us Bank XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX