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

XXXX   XXXX   XXXX    : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes.        XXXX   XXXX   XXXX    :  I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the   XXXX   of every month.   I make a {$160.00} paymen t ( not a uto-pay ).         XXXX   XXXX   XXXX     : I receive notification my  XX/XX/XXXX  payment did not go through due to " invalid routing number '' they say.   I contacted support and they re-entered all of my banking information.   Support says its fixed, but my  XXXX  payment is never processed.       XXXX   XXXX   XXXX   : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on  XX/XX/XXXX    XXXX   XXXX   XXXX   : My first auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be  XX/XX/XXXX    XXXX   XXXX   XXXX   : My second auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be   XXXX     XXXX   XXXX   XXXX   : No auto-pay is made, and I am not aware of this until I check my account statements in  XXXX .       XXXX   XXXX   XXXX   : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize.       -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes.     I also feel like they are doing this on purpose so that now I have to pay more interest ...
Complaint sub-issue: Information belongs to someone else

I have notices accounts on my consumer report that should not be furnished. I have done some research and have provided all the proper documents to have these accounts removed.
Complaint sub-issue: Reporting company used your report improperly

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Attempted to collect wrong amount

This account was deleted after an investigation by the credit bureau and then not a month later was added back onto my credit report under a different collection agency. This was an ongoing headache from XXXX who was over charging me and I tried for XXXX  months to get it fixed. They neglected to fix it and hold their end of responsibility. I do not owe this company any amount and would honestly be inclined to sue them myself if this issue isnt resolved soon. I was a great and happy customer for over XXXX  years until they unfortunately werent willing to fox the problem they created and it actually resulted in me losing a {$1200.00} device as well as deactivating my account and now Im being charged unfairly. This is theft at an unbelievable level. Please help me fix this issue. Im trying my best to pay up my balance and this issue is hindering me financially from being successful. You can reach me at XXXX. Thank you XXXX bless.
Complaint sub-issue: Personal information incorrect

On XX/XX/2021 requested removal of inaccurate personal information from Equifax credit bureau
Complaint sub-issue: Their investigation did not fix an error on your report

In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus never did a proper investigation according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They did not do this. 

In accordance with the Fair Credit Reporting everything must be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated, but how is that so when the bureaus nor the collection agency provided me with the necessary information I requested proofing to me that I owe the alleged debt. 

They have violated the law according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 602 A. Section 2. States that a consumer reporting agency can not furnish an account without my written instructions I have not given my written or verbal instructions.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act convergent accounts listed under Equifax has violated my rights Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 late payments during Covid )
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Account status incorrect

I was in XXXX with XXXX XXXX and ended it XXXX 2022. I have been making regular payments and was being told do not worry about being reported late we are still waiting on the XXXX of XXXX Affairs to do their part and it will get your account back in order. So since my acct was in this forbearance period it looks past due which means I can not make payments online so I have to call in. I make payments and anytime I get a notice I get afraid of being reported late so I call them and get reassurance I wont be reported late. I woke up this morning to a alert that XXXX had reported my acct 180 days past due. I called to confirm that they were still waiting on the XXXX  then I asked if youre still waiting on the XXXX  why was I reported late to the credit bureau to which the rep had no response. No one has contacted me or understand how this has affected my credit.
Complaint sub-issue: Reporting company used your report improperly

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute CONN APPLIANCES INCUnder Dispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXispute
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record
Complaint sub-issue: Account information incorrect

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX* Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a formal complaint against XXXX located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX violated 809. Validation of debts ( a ) Notice of debt ; contents, 806. Harassment or abuse, and 807 and False or misleading representations. hat Hunt & Henriques did not act in good faith. Hunt & Henriques refuses to validate debt payments, that I have made on a monthly basis, by sending me a monthly statements of debt reduction and verification.I have not received any notification, validation of the current debt or proof of payment sent them to me from XXXX XXXX. 
I have written two letters requesting that Hunt & Henriques provide me an account on what has been paid. This debt collector is collecting a debt on the behalf of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX. used another debt collector vendor by the name of Legal Recovery Offices located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX in which went out of business as I was still making payments to them. XXXX XXXX XXXX only reduced this account by ( 3 ) payments giving me a credit, which they owe me an attentional Credit of ( 3 ) payments. I also spoke to XXXX XXXX ( Attorney and owner ) of Hunt & Henriques, informing him that I needed a monthly debt validation every month that I paid. This company has not sent me anything. I have contacted XXXX XXXX ( Attorney Owner ) by email, letter and phone calls.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

some time on and around XXXX 2017 an inquiry show up on my credit report. the company is XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX iL XXXX I have notify Equifax and XXXX. XXXX contact the company and they remove but no not Equifax. I never apply for credit and I contact then and they told me that they do not take for customer
Complaint sub-issue: Account information incorrect

In XXXX 2017 I bought a gold chain from XXXX XXXX. It had a bad clasp so I returned it by the end of XX/XX/XXXX. Apparently I had to pay {$35.00}, {$8.00} for shipping ( was not refunded ), I did n't get a statement in XX/XX/XXXX, in XX/XX/XXXX they said I owed {$35.00}, and I called their XXXX number to find out why.
They informed me I had a {$25.00} late fee for not paying the shipping charge, and I told them I had n't received a bill. They also had reported me as late to the credit bureau 's. This took my high credit rating down to the low XXXX 's.
They took the {$25.00} late fee off, but did n't notify the Credit Bureau 's. This is the 2nd time I have had trouble with XXXX XXXX. I will not use them again. Apparently I had to pay {$10.00} to close the account, ( paid in full ).
I should have been credited for the shipping also, since it had a bad clasp
Complaint sub-issue: Account status incorrect

The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks
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 XXXX XXXX, 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
Complaint sub-issue: Information is missing that should be on the report

I have submitted multiple dispute letters looking to update my address on my credit report. Equifax is giving me issues and now not allowing me to view my credit report because the address isnt updated! I am looking to update my address on my credit report and also remove any fraudulent information on my credit!
Complaint sub-issue: Debt is not yours

Received toll violation fees in the mail naming me through an incorrect send address from The Port Authority of NY & NJ. They claimed that I violated their toll plaza and I must pay the balance. In response, I sent a dispute form claiming that vehicle displayed on the violation was not mine. Thereafter they sold the to debt collectors named AllianceOne. This collection company has been persistent in attempt to have me pay a falsely misrepresented debt.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depo

sited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax beginning in XXXX XXXX when I obtained a copy of my annual credit report and noticed inaccurate information on my report. There were 9 hard inquiries reporting that I did not authorized. I immediately contacted Equifax and they took my information over the phone. A couple weeks later I received a letter stating the inquiries would remain on my credit file. I had the same inquiries on my XXXX and XXXX XXXX reports and they removed them without any questions and issued a fraud alert on my file for future protection. To date Equifax refuses to remove the unauthorized credit inquires despite my numerous phone calls and letters. I am requesting that the following credit inquires be removed from my credit file : 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/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX