Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't temporarily postpone payments

I have reached out to AES for help with repayment on my loans and they have told me that there is nothing they can do. I had a baby in XXXX and was unemployed for a few months. I had no way to pay the loan and called numerous time to try and work something out until I was able to make payments again.Now some of my loans are in default and I have no idea what to do. It is affecting my credit and my parents as well since they were cosigners.
Complaint sub-issue: Information belongs to someone else

Contacted XXXX XXXX concerning said debt. 
XXXX XXXX  attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.
Complaint sub-issue: Their investigation did not fix an error on your report

Today  XXXX   XXXX  I spoke with a   XXXX    Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him  XXXX  had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but   XXXX    has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.
Complaint sub-issue: Personal information incorrect

I was reviewing my consumer report from LexisNexis dated XX/XX/2022 and I noticed there were a number of wrong names and wrong addresses showing on my consumer report. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information The following names and addresses do not belong to me. 

Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Addresses : 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 

Email Addresses : XXXX, XXXX XXXX
Complaint sub-issue: Information is not mine

There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all three credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/2018 I sent a certified letter to Equifax XXXX XXXX XXXX, requesting they investigate inquiries which had no account 's attached to them and no permissible purpose. 


on XX/XX/2018, I received a computer generated letter from Equifax stating that they sent the creditors an electronic request for information and thereby confirming the complaint. 
In XX/XX/2018, I resent Equifax another request demanding they reinvestigate my original request Under the FCRA section 609 ( a ) ( 1 ) ( A ) to provide me with the following information, 1 ) written proof that I applied for that credit line 2 ) who they spoke with 3 ) How did they verify the information 4 ) what permissible purpose was provided On XX/XX/2018, I received a computer generated letter from Equifax stating the sent out an electronic message and verified the information. I feel that another letter will have little to no effect with this company in resolving this matter.
Complaint sub-issue: Attempted to collect wrong amount

This company AFNI is putting a collection account on my credit report for a debt that is not mine. They listed the debt for 2017 from XXXX XXXX however I have not used their services
Complaint sub-issue: Account status incorrect

XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation
Complaint sub-issue: Information is missing that should be on the report

My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at 300 top score 850. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair,  good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, Equifax, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of 550 divided by bad, poor, fair, good, excellent you have 110 in between the 300 score and the 850 score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX of 2018 {$200.00} was taken from my checking account at an ATM in XXXX New Jersey. At the time I was at home in XXXX XXXX NJ. I had my ATM card on my person and did not give either the card, or the PIN number to anyone else. I noticed the activity and contacted Citibank 's Fraud department. Citibank credited my account but ultimately took the funds out again after an investigation. I was given no details on the investigation and only told that they determined it was not fraud since the thief was able to use an ATM. I am not sure why citibank came to this conclusion.
Complaint sub-issue: Was not notified of investigation status or results

I recently filed for inaccurate reporting on my credit profile a couple of months ago. I have not received any notification or esults and its been over 45 days.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent out a formal letter informing the agency of the violations that I found on my credit report. After sending out the letters to the bureaus about the invalid information on my credit report, I still have not heard back in over 60 days! I feel like my rights are being violated and I am seeking that these incorrect items are removed immediately. I will also be seeking litigation on this matter as well if it is not resolved in a timely fashion.
Complaint sub-issue: Fee problem

I am trying to connect my pnc bank account to XXXX. I am consistently failing to connect.
Complaint sub-issue: Account status incorrect

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.
Complaint sub-issue: Account information incorrect

I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say XXXX many I mean more than XXXX at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about XXXX or so points. Help me understand how this is possible. I have now paid off over XXXX in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all XXXX Bureaus are not required to report exactly the same information, Why would a person get XXXX different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the Financial World discriminates against XXXX XXXX XXXX  in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. I.E. A Drycleaner individual receipts, number of racks they purchased, how many hangars they used, A Supermarket individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since XXXX, I owe XXXX on my car and XXXX on my credit cards and because of the information Equifax, XXXX and XXXX have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in XXXX XXXX XXXX. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



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Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against XXXX XXXX located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing 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 & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. 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: Personal information incorrect

I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX
Complaint sub-issue: Debt was paid

XXXX was contracted by Jefferson Capital to collect on a debt originally owned by XXXX XXXX XXXX. XXXX & I came to a settlement amount of {$2600.00}. This was in XX/XX/2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to XXXX and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to XXXX to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. XXXX then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet XXXX denies this despite the check being clearly stamped " XXXX for deposit only '' ( which XXXX provided me with a company ). To this date, I have not heard from XXXX or Jefferson.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.
Complaint sub-issue: Personal information incorrect

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an account fraudulently opened under my name, XXXX XXXX. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under XXXX5 USC 1681.

Equifax is govern by 15 USC 1681. Ad they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Complaint sub-issue: Old information reappears or never goes away

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX in the amount of {$1600.00}. 

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in 2015, which is 7 years ago. 

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX {$10000.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$25000.00} EQUIFAX XXXX {$380.00} EQUIFAX XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

My identity was stolen a few years ago, and I finally deleted all the credit CARDS that I didn't open, but I haven't checked the equifax credit report. Recently, I checked the report, and the previous XXXX credit CARDS are still in my credit report! The other two credit reports are not showing up
Complaint sub-issue: Reporting company used your report improperly

When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

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  I Need Them Removed!