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

I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.
Complaint sub-issue: Problem getting your free annual credit report

I was on XXXX and successfully obtained my XXXX  and XXXX reports but the EQUIFAX report resulted in an error and returned me to the XXXX web page which " assumed '' I obtained the report and would n't let me try again. 

Given all of the media attention around the Equifax data breach, I must obtain a copy. Please help.
Complaint sub-issue: Other problem getting your report or credit score

I have attached a letter, my drivers license and my social security card so Equifax can update my info so I can see my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I had a car loan from XXXX XXXX from XXXX of XXXX I paid the loan off in XX/XX/XXXX. 2 years ago I informed Equifax via complaint that it was over XXXX XXXX XXXX and needed to be dropped from my credit report just like it was dropped on XXXX after 10 years Equifax stated to me that it's correct and put a date that is still good of XX/XX/XXXX which is incorrect because it was already paid for 10 years with a XXXX balance it's now 12 years and it's still on my Equifax report I tried to file another complaint but they would not allow me to I called them they were useless and did nothing to help can you please help me correct this thank you.
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. 

Account name : XXXX : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has consistently been informed and sent documentation regarding their mixed information with my sisters file and mine. The excuse has been that since we lived in the same address ( as kids ), and have Similar first names this has happened. My sister name is XXXX middle name XXXX XXXX. My name is XXXX XXXX, different fathers. I dont understand how she has her business transactions under her social security number and dob, and still I get her information linked to mine. My current situation is that my sisters married name has been attached to my credit file in equifax. I paid XXXX XXXX to remove my sisters accounts from my file, but equifax still is negligent in removing her marriage name from mine. She is now divorced by the way. I have sent my Id documents to equifax including my birth certificate, License and social security number repeatedly and I still nothing has been corrected. My last dispute # XXXX report still has XXXX as my middle name. This is my sisters married name! Its their mistake.. XXXX XXXX asked them to show any accounts under that name and my social and they proven wrong. Help me please! Its been almost a year with the same issue. They keep merging our accounts which are totally different and in different states. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I booked the hotel in XXXX, FL called XXXX XXXX XXXX through XXXX with Citi Bank credit card for the stay XXXX XXXX XXXX XXXX. Something came up here and there so we thought about delaying our vacation. We contacted XXXX/booking and they said they would cancel our reservation, and they email to tell the hotel to waive the cancelation fee and gave us full refund so we can book again for the later day. At that time i think it was normal because of covid policy maybe still in effect so i went ahead cancel my reservation on Wed XX/XX/2021. Next day i contacted the hotel XXXX XXXX XXXX, what they said was completelt different, they refused to give me the refund since i canceled in 3 days window or whatever, my cancelation fee is the whole charge of my stay XXXX XXXX I was very shocked, I then tell them that wasnt what XXXX said, i even worked with them by asking can you give me some credit so i can rebook in the future but they said no, the whole charge is the cancelation fee ( that i dont even know about ). Finally, i told them its ok can you just give me my room back, i will find something to do in XXXX then ... and guess what? they even denied to give me original room back also. They just robbed my XXXX $ right at me. I got hopeless and contact Citibank credit card, filed a dispute for the service that i never received. After investigating, Citi bank make me responsible for the charge, Citi bank dont even ask me for any evidence or document on my side, i feel like as long as the merchant respond to them, even the blank paper, then they reserve their temporary credit and left me hanging. Im still in shock for what happened. Citi bank supposed to protect their customers, I got denied to accomondate by the hotel, got charge {$730.00} for it. I never stayed at the hotel and Citibank just sit there and watch XXXX XXXX XXXX rob their customers. 
Im so XXXX. Can someone help me?
Complaint sub-issue: Investigation took more than 30 days

Equifax received my second dispute of inaccurate, unverifiable information reflected on my credit report on XXXX XXXX, XXXX. I have disputed the following accounts : XXXX XXXX XXXX XXXX ), Medical Account # XXXX, Medical Account # XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX, XXXX ). Equifax sent a response dated XX/XX/XXXX ; however, the 30 days to respond ended on XX/XX/XXXX. Additionally, ( see attached envelope ), I received this response on XX/XX/XXXX which is 10 days past what they have dated. Consumer law only gives them 5 additional beyond the 30 day investigation for delivery of response. 

I have provided documentation to Equifax on numerous occasions ( see attached ) to support the fact that the aforementioned companies are blatantly reporting inaccurate, unverifiable information. To prove my point, in my letter dated XX/XX/XXXX to Equifax, I specifically requested that they state what method of verification they utilize. To date, to no avail. Additionally, I provided them with the letter I sent to XXXX XXXX being undeliverable based on the address Equifax was reflecting on my report. How then were they able to verify this information with this company, yet the letter was returned to me undeliverable? Also, Equifax noted in their XX/XX/XXXX response that there was only 1 XXXX account reporting for their bureau ; that is a lie ( see attached credit report that I paid for dated XX/XX/XXXX, five ( 5 ) days after they supposedly sent my response ). Further, I sent Professional Debt a letter seeking verification of the entry they are reporting on my Equifax report ; again NO RESPONSE NOR REPLY FROM THEM. I then followed back up with Equifax providing copies of return receipts and letters sent to them, yet this item has not been removed from my report. 

These account entries all contain inaccuracies as well as lack verification from the company. It 's obvious that Equifax has no regard for consumer law and protecting my rights by ensuring that items reflected on their report are accurate, timely, and verifiable. Lastly, since Equifax did not respond to my request within 30 days, ALL ACCOUNTS I DISPUTED SHOULD BE DELETED FROM MY EQUIFAX REPORT! This bureau is violating my consumer rights with its reporting and continues to do so even after I have provided all supporting documentation.
Complaint sub-issue: Problem with fees charged

I called Flagship Credit Acceptance to request a payment due date change from the XXXX of the month to the XXXX to correlate with my payday. I was not accommodate and my car payment became past-due and I was charged {$900.00} in late fee .Also, The late payment was reported on my credit report. I was told the late fee would be push to the end of the loan and that has not happened. I have called several time regarding this matter and have not received any help.
Complaint sub-issue: Public record information inaccurate

My name is ( XXXX XXXX ) I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my consumer report. 

XXXX, XXXX, XXXX, XXXX and Lexis Nexis broke the law in accordance with 15 U.S.C 1681a ( e ). Bankruptcy information is excluded from consumer reports pursuant to 15 U.S.C 1681c. I have the right to privacy of non-public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I'm exercising that right demanding the each CRA mentioned above permanently remove the bankruptcy from my nonpublic information on my consumer report.
Complaint sub-issue: Account terms

I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Equifax has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX/XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX, and also list the date of the delinquency as XX/XX/XXXX, which is over a full year after the first 30 day late of XX/XX/XXXX, and after the default dates of XX/XX/XXXX and XX/XX/XXXX. I disputed these repeatedly over the last year and a half. Equifax has refused to investigate this with due diligence, otherwise they would have discovered these errors. Equifax also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed XXXX via Equifax & XXXX, I have requested that XXXX VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX  and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

This is a debt with Conn 's - I am not 30 days late- I always pay before it goes over 30 days. I have told them to stop calling me because they ALWAYS get paid. They stopped for awhile, but now they are back to calling over and over again. They call from different variations of the XXXX number and there are times that I have counted over 20 calls per day. I can sit and watch my phone ring- then 20 minutes later- its them again from a little bit different number. This is ridiculous and this should not be acceptable. This is beyond frustrating. This is an abusive and harassing tactic that should not be allowed.
Complaint sub-issue: Account status incorrect

Upon checking my credit reports regularly, my credit score does not increase when trade line balances decrease or are paid in full. I do not have any late payments on my credit report and my credit score is not reflecting correctly.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This is a private student loan debt that I obtained in XXXX from Sallie Mae, I couldn't afford to pay it, I filed for bankruptcy in XXXX including this debt was sold to a third party, XXXX XXXX XXXX, who continues to call, leaving a voicemail and threatening further action. I haven't responded nor attempted to return the calls, I haven't had any communication with Sallie Mae or the Third Party since XXXX. This debt was included in the bankruptcy and is past the statute of limitations for Private Student Loan debt in New Mexico. The debt isn't included on my credit report, but the Third Party keeps threatening further action.
Complaint sub-issue: Account information incorrect

This account was paid in full in XX/XX/XXXX, proof provided by a paid in full letter dated XX/XX/XXXX. A new account has been opened as of XX/XX/XXXX, after verification of the account being paid in full. The account was paid again in XX/XX/XXXX, after the company refused to acknowledge the account had been paid since XX/XX/XXXX. I was put back into collections without prior notice 2 weeks after opening the new account. Now the company is still reporting that I owe the balance that was paid in XX/XX/XXXX. This account needs to be reported as paid in full or it must be removed from my reports immediately.
Complaint sub-issue: Problem getting your free annual credit report

I requested my free annual credit report from the there agencies on the same date XX/XX/2019. Only XXXX and XXXX provided me copies of my report but not Equifax. This issue also happened last year with Equifax. Equifax does not respond to customer queries or provide a free copy of the annual credit report until a complaint is filed with the consumer protection agency. So I'm now filing this report requesting your help once again.
Complaint sub-issue: Trouble using the card to pay a bill

I had my tax refund direct deposit into my Cash App account on XX/XX/02 from my tax preparer TPG. It was for the amount of {$13000.00}. Since its not more than {$25000.00} it shouldnt had been a problem. My deposit was pending from XXXX ; XXXX am to XXXX. I tried to send my son {$600.00} dollars ( which I send money to him all the time and he send me money ) after I tried to send him money. I recieved a text saying my account is temporary locked for unusual activities and they want to keep me protect. Within 24 to 48 hours I will receive a notification and I will be able to access my fund. I tried to cash out my money to my linked bank account and cash app wont let me even transfer my money to my link bank account. I have spoken with over 8 reps from support. I have talk to a manager. I have send in the proof from my tax preparer. No one has resolve this issued and its over 48 hours. All Im trying and wanting to do is transfer my money to my link bank account. I can view my balance on cash app but cant cash out nor send or recieve money.
Complaint sub-issue: Investigation took more than 30 days

It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, NV XXXX Equifax - XXXX XXXX XXXX - XXXX, GA XXXX Payment of {$300.00} posted XX/XX/21. Statement Date XXXX shows this payment reducing the balance from {$460.00} to {$190.00} ( +/- other minor adjustments ). TWICE since the payment was posted, XXXX XXXX has stated to Equifax that the balance is still {$460.00}. 

When I called XXXX XXXX to try to ask them, they acknowledged the lower balance but refused to send the updated balance to the credit bureau. 

While I have a dashboard account at Equifax, there is no way to refute a factually incorrect response to a dispute. The phone menu systems do not allow for human interaction and I have found nowhere on their site where I can submit documentation showing the correct balance as stated by XXXX XXXX.
Complaint sub-issue: Didn't receive advertised or promotional terms

I ORDERED REPLACEMENT WINDOWS. AFTER THE INSTALLATION WAS COMPLETE I WENT TO THE STORE TO GET A 10 PERCENT REBATE AS ADVERTISED FOR BEING A XXXX  VETERAN AND THE STORE REFUSED TO GIVE ME THE REBATE. 

XX/XX/17 XXXX XXXX ORDER ID : XXXX RECALL AMOUNT XXXX SUBTOTAL XXXX SALES TAX XXXX TOTAL {$7100.00} E-DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate correction of the items in question.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The following number, XXXX started calling me on Tuesday, XX/XX/2018. They have called me multiple times, but will not leave a message.

I finally called them back yesterday, XX/XX/2018, and asked them why they were calling me. They immediately asked for my Social Security Number, which I did NOT give them. They could not answer as to why they were calling me repeatedly. I asked them to be be removed from their call list.

They called again today, XX/XX/XXXX, while I was in a meeting. I called them back again, and recorded the conversation. I asked once again to be removed from their call list, and notified them that they were also being recorded. They told me that was against their policy, and that i could not record them. I replied that i was located in Ohio, and was allowed to record them, especially since they were also recording me.

The lady said she would have my number removed, and yet they still tried to call me again later in the afternoon.

I looked up the number, and it appears to be Seterus Customer Service. I have never heard of this company, and do not have any idea as to why they are calling me. 

I want the calls to stop immediately, or i will be taking legal action against them for harassment.
Complaint sub-issue: Information belongs to someone else

the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account information incorrect

The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 Equifax says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late
Complaint sub-issue: Problem with customer service

I spoke with Sallie Mae regarding a loan my ex-husband has and I am a co-signer. The customer service rep did speak to me. However, when I asked about options since I am unable to afford payments, the only option given was to pay the $ XXXX+/month. My ex husband states he has never received the paperwork needed to file forgiveness based on total XXXX. I asked they send it to my email address. I was told they could not do that since I am only the co-signer. I then asked them to please send another set of paperwork to him at his address and and email. I was told I could not request the paperwork be sent only he can. I am the cosigner. I am being threatened with default. I am trying to make sure the paperwork is received and then filled out, but get a stopped when trying. If they can threaten me over the payment, why can I not request paperwork be sent? It appears no matter what we try to do, they will make it difficult to get this resolved.