Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

Complaint against XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX both have have the same address of XXXX XXXX XXXX XXXX GA XXXX The companies did not properly file insurance claims causing denial of claims and are now trying to collect the balance owed and sent the bill to collection agency. Letter is attached.
Complaint sub-issue: Account status incorrect

This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with Iberia Bank on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX XXXX : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to Iberia Bank was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to Iberia Bank sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with Iberia Bank. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
Complaint sub-issue: Problem accessing account

About a week ago, I transferred XXXX dollars out of my credit karma  checking account to my XXXX XXXX XXXX Savings acct. for some reason, the transaction was flagged by XXXX and sent to my linked bank account at XXXX XXXXXXXX XXXX. However, my XXXX XXXX XXXX account had already been closed for some time, and naturally, the money was sent back to credit karma from XXXX  XXXX XXXX as it should have been in the first place. Upon the money reaching my credit karma account, my account was immediately locked and placed under review. I am lodging this complaint towards credit karma in order to get their attention because its almost all the money I had and I can not afford to wait weeks and weeks for them to unlock my account. The full explanation of where that money came from and why is presented above. Credit karma offers no way to contact their specialized review team, therefore I am getting in touch with them by whatever means I have, in this case via the CFPB. Please get back to me credit karma, and please unlock my accountI really need the money. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to open a different dispute with XXXX for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXXXXXX XXXX has acknowledged that they sold my debt and that all payments should be made to XXXXXXXX XXXX XXXXXXXX XXXX offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. XXXX XXXX has to honor that. XXXX, XXXX XXXX and Equifax is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show this.
Complaint sub-issue: Debt was paid

I was never provided any written statements in regards to any medical  debts whatsoever and did not know of their existence until they appeared on my credit reports. Ive attempted to dispute with the company directly and through all 3 credit bureaus multiple times. This has been an on going issue for almost a decade. I have no idea where these bills originated from, nor any information on dates of service or any break downs on services rendered per the law. Additionally per the new Medical Debt Relief Act ; as of XX/XX/2022 they are no longer authorized to report these debts on my credit reports as they are under {$500.00} and I have provided my explanation of benefits showing that I have no co-pays or deductibles or any financial responsibility with my insurance coverage. Ive attached letters and my insurance info to this complaint. If the companies do not remove these false reports, I will have to obtain an attorney.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 37 days and I haven't received any responses from them. This is affecting my ability to get a job and an apartment to support my family
Complaint sub-issue: Debt is not yours

I have sent multiple disputes to hunter Warfield stating that the debt on my credit report to bristle properties is incorrect ... i paid what i owed and the amount they put off on me should have never occurred because the property manager at the time promised he had a person to take over my lease when my husband and i had to move to another city due to a medical emergency my husband was facing at the time. They still will not take it off of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Both my husband and I  are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else's bad car loan.

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same.

Please help
Complaint sub-issue: Information belongs to someone else

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Complaint sub-issue: Debt resulted from identity theft

As of today, XXXX XXXX, 2016 I pulled my credit with XXXX and noticed that a new collection has been placed on my account. I also noticed that this was under a name and address not associated with me. I have recently, as of XXXX XXXX filed multiple complaints with the CFPB, FTC and all three ( XXXX, XXXX and XXXX ) concerning identity theft. I also understand that the original creditor is XXXX XXXX XXXX, to which I have never had an account. My wife and I have always split our utilities and she has always had XXXX XXXX XXXX in her name. Even so, her name as is mine, is not similar to the name being reported on my credit report. This needs to be removed immediately because this is indicative of identity theft.
Complaint sub-issue: Attempted to collect wrong amount

I received a settlement offer dated XX/XX/2022 which has two options. The first option was to " Settle your account for a one-time payment of {$370.00} ; this option saves you {$150.00}. You can take advantage of this option if we receive your payment within 30 calendar days from the date of this offer. If paying at XXXX, use promo code XXXX to unlock your settlement while making your one-time payment. Please note that we are not obligated to renew this offer. '' Option # XXXX is to log into their secure mobile site to design a customized resolution for the account. 

When I tried to use the mobile site to make the one-time payment of {$370.00}, on XX/XX/XXXX and XXXX, it would not let me apply the promo code - error message of " Promo Code Not Valid. '' I called on XX/XX/2022 @ XXXX XXXX, and the credit specialists said he could take my payment for a higher amount than {$370.00} because additional interest had accrued. However, the offer clearly states the offer is a " one-time payment of {$370.00} '' if executed within thirty calendar days from XX/XX/2022, with no mention that there is additional interest or that it is a discounted percent from the total.
Complaint sub-issue: Card opened as result of identity theft or fraud

Im really not sure what more to say. There were two accounts, apparently opened with US Bank that do not belong to me. Nobodys denying the fact that the account somebody opened them. It just wasnt me. I have reported the identity theft to all three credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Complaint sub-issue: Information belongs to someone else

EQUIFAX has my credit history mixed with my sister 's, who has a similar name and social security number. Despite numerous attempts speaking to them via phone calls since XXXX 2020, it has not been fixed. I have faxed over my identity proof and proof of established credit as per their request and they claimed that they never received the faxed documents. I have sent certified mails of the same documents and received back a generic letter that EQUIFAX could not locate my identity - even though I have included the requested documents to specifically establish and prove my identity and credit history.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

My late wife and I had paid off a car loan from XX/XX/XXXX and paid satisfactorily in XX/XX/XXXX. I asked Equifax to remove this from my credit report and they still has not done this in 9 years. 
They ( Equifax ) appear to block me from correcting this matter.. 

Thank tou
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX  XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

ON XX/XX/2019, I TOOK OUT A MONEYLION LOAN AND MY AGREEMENT WAS TO HAVE AUTOMATIC PAYMENT DRAFTS BIWEEKLY TO PAY OFF MY BALANCE. MONEY LION TOOK BIWEEKLY DRAFT FROM MY XXXX  XXXX ACCOUNT ENDING IN # XXXX UNTIL XX/XX/XXXX WHEN THEY STOPPED!!! I HAVE BEEN TRYING EVERYDAY TO CONTACT THEM TO RESOLVE THIS MATTER!! THEY HAVE SINCE REPORTED ME TO THE CREDIT REPORTING AGENCIES AS 30 DAY DELINQUENT WHICH IS FALSE!! 
MONEY LION HAS AN ALERT ON THE XXXX WEBSITE OF THIS ACTIVITY AND THEY ARE HARMING CONSUMER CREDIT WITH THIS LENDING PRACTICE. 
PLEASE HELP ME! THEY ARE RUINING MY CREDIT! 
I AM UNABLE TO CONTACT THEM TO RESOLVE THIS!!!!
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In XXXX of XXXX through XXXX of XXXX my card which I was receiving my veterans affairs XXXX benefits direct deposit on was stolen or actually the information was stolen off of a cell phone that was stolen from me and I immediately reported it to the cops and I immediately reported it to the bank I filled out all the dispute agreement forms that they requested from me I sent them undeniable proof that these transactions had happened and that I had not committed any of them and no matter how many times I've reached out and tried to contact the bank and resolution to this matter no one will help me no matter what I do.
Complaint sub-issue: Investigation took more than 30 days

Account " XXXX XXXX '' is incorrect and Credit Bureaus haven't responded within 30 days of the investigation
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I wanted to dispute a charge on my Discover card that is from a company who took my money and did not provide any service at all.They started taking my money in XX/XX/XXXX. The merchant name is XXXX and it was a monthly service fee of XXXX thru XX/XX/XXXX.I know it is old but I feel Discover should still be able to go after this merchant, as they are still in business.They also called me and said they were no longer using Discover and I needed to use a different card.I wonder why. To many chargebacks? I would expect Discover to look into this and retrieve my funds.
Complaint sub-issue: Information belongs to someone else

I was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to XXXX. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.
Complaint sub-issue: You never received your bill or did not know a payment was due

I had a discover it credit card, it was my first credit card. I had a late minimum payment in XX/XX/2019 due to being inexperienced and never being taught about credit cards.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting inaccurate, unauthorized consent and privacy information on my consumer report. They have violated my privacy with unfairness and inaccurate information. I'm not filing for a dispute, I'm demanding that this information be removed from my consumer report. 

The inaccurate and unauthorized consent things that are listed on my Equifax account are : 1. Employee information I do not work for XXXX XXXX XXXX. 
2. Address ; My address is XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXX. The credit card information that is on my file with Equifax is not authorized and not accurate please remove XXXXXXXX XXXX date XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXXXXXXXXXX  XX/XX/XXXX -XXXX/XXXX  's XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'XXXX  / XXXX XXXX XX/XX/XXXX XXXX 
4. The loans that are listed on my account are in accurate and unauthorized ; - XXXX XXXX  XX/XX/XXXX in the amount of XXXX is inaccurate. 
-XXXX XXXX XXXX  5. Hard Inquiries is in accurate and not authorized to be reported ; - Equifax mortgage Services XX/XX/XXXX XXXX services XX/XX/XXXX -XXXX XX/XX/XXXX. 
6. Collections that are on my account for dates XX/XX/XXXX or an accurate and incorrect
Complaint sub-issue: Information belongs to someone else

I have an inquiry on my Equifax credit report from XXXXXXXX XXXX from XX/XX/XXXX that I do not recognize or authorize. Ive tried calling XXXX to let them know, but they stated I would have to call Equifax to get it taken care of. I called Equifax and they stated I needed to file a report on FTC, in which, I was directed to this page. I need this taken off of my report because it was not authorized by me, and according to the FCRA, legally, this unverified unauthorized item must be removed.
Complaint sub-issue: Threatened to take legal action

When my debt was transferred to Nelson & Kennard, I believe I paid XXXX payments during the transfer period. I requested in writing and verbally ( to my point of contact 's administrative assistant ) to be issued a statement. I did not know how much I owed and which payments had been accounted for. After five months of payments, still no communications of any kind ( letters, phone calls or e-mail ). A bit odd, I thought. I sent a letter and stated that I would no longer pay this debt if I did not see some sort of recognition of my payments. Nothing. I made payments ( {$700.00} / month ) for an additional year. Still nothing. After numerous calls and letters I could not reach any one that would speak to me, left lots of messages, but no responses. So, after eighteen months I did stop paying. 

Fifteen months later, still no communication of any sort EXCEPT a summons to court ( received three days ago ). In the summons they state that they repeatedly tried to contact me by phone and mail. This is a lie. No statements, no communications of any sort. 
What do I wish to do? I am happy to resume paying this debt but I want the communications to be monitored in some way so that Nelson & Kennard will have to give the statements due me under the law. Indeed, after eighteen months of payments without any communications, something was indeed broken.
Complaint sub-issue: Information belongs to someone else

ftc violations on all XXXX  XXXX
Complaint sub-issue: Debt is not yours

UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.
Complaint sub-issue: Other problem

I had mistakenly set up an automatic Citicard payment through my XXXX bank account ; I discovered the error and on XXXX XXXX, called a CitiCard representative, a XXXX XXXX and requested a refund of {$250.00}, as I had made five {$50.00} payments XX/XX/XXXX through XX/XX/2019. My Citicard account had been closed for several years and I no long had the full 16 digit, as denoted by the XXXX XXXX Online Payment Information Record. Per XXXX XXXX, I was instructed to mail the information to CitiCard Payment Investigation Unit. To date, I have not to date received a formal response and made a subsequent call to a Citicard representative to determine the status of my inquiry. The representative stated the payment investigation unit could not find my credit card account nor my payments. The representative stated he would requestt an additional payment investigation. I can not believe the company can not determine where my funds were placed and that is the reason for my complaint. I will include the information that was submitted to Citicard.
Complaint sub-issue: Debt resulted from identity theft

ntl recovery agency keeps trying to collect a debt for XXXX i never had XXXX
Complaint sub-issue: Information is not mine

My credit report shows a charged off account from XXXX. i do not have this loan. it was never mine, i tried to dispute it but got nowhere.i also show a lot of inquiries i never authorised ( like furniture credit inquiry ).
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my Equifax, and XXXX report. 

The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to XXXX, XXXX, and Equifax. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against Equifax and XXXX. 

For the past 3 years I have been submitting dispute after dispute to XXXX and Equifax concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the Equifax side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX XXXX 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from XXXX or Equifax. Instead I just keep getting generic computer generated responses.
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Complaint sub-issue: Debt was result of identity theft

i have three cards that were opened in 2017 after the XXXX breech and i did not obtain nor authorize any of them ive contacted them constantly to remove them and ive disputed them with the bereaus as well ive also filed police reports on all of them
Complaint sub-issue: Information belongs to someone else

In the month of XXXX I sent the credit bureaus an FTC report in regards to information on my consumer report that is a result of fraud. XXXX XXXX XXXX Account # XXXX was initially removed and reinserted on my credit report. I do not provide written permission or instructions for the account to be reported on my comsumer report.
Complaint sub-issue: Trouble with how payments are being handled

I am working towards loan forgiveness through the Public Service Loan Forgiveness program. I should be credited with making approximately 98 " qualifying payments. '' Fedloan is crediting me with 23 " qualifying payments. '' Fedloan will not explain their analysis, nor will they even make someone generally available to answer my questions. They will also not give me access to my records that they have ( or claim to have ) from other loan servicers, including XXXX XXXX XXXX. 

Additionally, part of the discrepancy is that lump sump payments were made on my behalf through the Department of Justice 's XXXX XXXX XXXX XXXX. There were 7 of these lump sums payments, putting me in " paid ahead '' status for 31 months. Fedloan is not counting these as on time payments.