Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Complaint sub-issue: Personal information incorrect

The credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Washington, DC This letter/request is for Consumer Financial Protection Bureau, CFPB, to try and help me with a problem. I have two XXXX XXXX personal loan accounts reported on my Equifax Credit Report. The two accounts are XXXX and XXXX. Both accounts are identical in that they are with the same financial institution, same date opened on XX/XX/XXXX, same original amount of {$2600.00}, and the same terms of 48 months. The second duplicate XXXX account, XXXX, was somehow made in error or fraudulently. I have communicated that this second account was an error or as a result of misinformation to both XXXX  and XXXX XXXX, but have not yet received an outcome. 

Therefore, I decided to ask XXXX for proof that I opened this second account, XXXX. I hope they would have some documentation of this second duplicate XXXX personal loan. I made the first XXXX loan, XXXX, in person and signed documents in person at the XXXX branch location in XXXX, Texas. Since I had signed in person for the first XXXX loan, I thought the second duplicate loan and allegedly on the same day would also have a second signed set of signed documents ( if it existed ). 

I have called, and I have sent letters for the proof of the second duplicate XXXX loan, account XXXX. Then after numerous phone conversations with XXXX  and numerous letters to XXXX, I finally received a XXXX response letter dated XX/XX/XXXX ( please see attached ) that my correspondence does not provide sufficient information to investigate your dispute. After numerous letters that have included many attached copies of my two credit-reported XXXX Accounts, this response of XXXX not having sufficient information is quite hard to believe. That there wasnt enough information to investigate is even harder to believe. 

Anyway, I ask that someone from CFPB to look at my attached documents and note that on my Equifax Credit Report the two XXXX XXXX loan accounts have the identical dates opened on XX/XX/XXXX, identical original loan amounts of {$2600.00}, and identical 48-month terms. 

What else can I do in an effort to receive proof of this erroneous second duplicate XXXX loan account? Please point me int the right direction. 

Thank you and appreciated. 

XXXX XXXX XXXX SS XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom It may concern I was looking at my XXXX app one day and noticed some inquiries that I never authorized nor did I give anyone the the authorization to open these account in my name. I first call the companies that I seen on my credit report and ask them who tried to apply for these account in my name? and did they open these accounts? they told me that they will send me something in the mail I then reach out to the credit bureau over 60 days ago and still have not heard anything back from any of them I reach out to XXXX, Equifax and XXXX on XX/XX/XXXX and then on XX/XX/XXXX I sent another letter ask them to please respond and still nothing and before the letters I sent on XX/XX/XXXX I tried XXXX attempts before that.at this point I feel like I am being ignored and look pass I really would like to know what's going on here. and I would like these unauthorized inquiries removed from my credit report. the inquiries are as follow XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have contected Fed Loan Servicing on multiple occasions ( XX/XX/XXXX and XX/XX/XXXX ) to get a manual recount of specific ineligible payments and they have never responded. Can you please request a manual recount of specific eligible payments? 

Thank you and I look forward to hearing from you.
Complaint sub-issue: Fee problem

Discover bank charged me {$15.00} excessive withdrawal fees in XX/XX/XXXX {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. I never received their letters they mentioned in their previous  correspondences. If they sent letters, they were never delivered. I was never informed of this. As a bank, those fees need to be refunded as a courtesy. $ 200+ is a lot to me.
Complaint sub-issue: Was not notified of investigation status or results

I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
Complaint sub-issue: Information belongs to someone else

I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fraud claim filed last year and still showing under my account, I am only making minimum payment until this issue is resolved however I see interest charges are added to my account every month.
Complaint sub-issue: Problem with personal statement of dispute

I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I had unauthorized charges toward my cashapp account and they denied my claim twice. The charges were from XXXX XXXX they charged my account for {$50.00} 15 times within 4 minutes. On XXXX XXXX, I went to the ATM to get out {$200.00}, upon receiving that {$200.00} and my receipt I saw my balance was less then it should have been with the money I removed. I then looked at my cashapp and saw that in between me at the atm which was around XXXX XXXX  XXXX, that the unauthorized purchases from the merchant above happened from XXXX and XXXX XXXX. I immediately locked my card when I saw this and cancelled it and requested a new card. I then contacted cashapp to dispute the fraudulent activity. They denied my claim in the 3 day investigation, I called multiple times to speak to a manger or find out why it was denied but no one would give me clear answers or get me a manger. On XX/XX/2022 I spoke with a rep that eventually hung up on me not helping resolve my issues when I called back I spoke to another representative that was able to put the case up for a second review. On XXXX XXXX I received an email that the claim was once again Denied. I dont know who this merchant XXXX XXXX is or how they got my information to charge my account, it was not me and my hard own money was taken and cashapp would not assist me. At this point I feel like cashapp if fraud and they took the money
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid a company XXXX XXXX XXXX XXXX on XX/XX/17 XXXX.When i contacted my credit card to dispute the charge they initionally gave me a provisional credit.I disputed it as services not rendered but they did not look at it that way and put the money back on my card.That was a mistake on their part.It should have been looked at as services not rendered. It also happened to me with Renevate to rent who charged me XXXX and rendered me no service.I would think these should be looked into properly.Master card made the mistake and i am paying for it.Thank you  in advance.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX. I am not going through a third party to report this. I am writing to delete the following information in my file. These items are causing me to not be able to build my credit, as well as not allowing me to buy a house. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Problem during payment process

Attempts to pay Discover automatically rerouted to customer services who delayed with chit chat until past XXXX XXXX  cut off and then added late fee. I kept saying may I pay now? Did not execute payment until XXXX XXXX EST, XX/XX/2020 still plenty of time before midnight. They documented payment as of next day XX/XX/2020 and stated late fee applied. Would not reverse when I called the next day. They have done this several times. I always pay on the XXXX. Best practices would be to credit when transactions are verified. It is their system error. They corrected in past but now say since it was corrected before, they will not correct THEIR mistake again. Millions of customers are being needlessly charged late fees.
Complaint sub-issue: Problem lowering your monthly payments

Loan was sold to another company that is reporting negatively on my report been trying to find out if my loan is part of the class action settlement I only get a recording
Complaint sub-issue: Was not notified of investigation status or results

Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Frequent or repeated calls

I've been receiving multiple phone calls in regards to an overdue phone bill that was sent to collections from a phone line that I opened more than 3 years ago. 
I'd like to eliminate the single derogatory mark that I received from a phone bill I had when I was XXXX. The amount is for {$540.00}. I'm starting to learn about credit and would like to improve my credit score for the future.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both XXXX  and Equifax who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.
Complaint sub-issue: Didn't receive services that were advertised

I tried to temporarily unfreeze my account with Equifax. I had no problem with XXXX  or XXXX, but this is the second time Equifax has given me trouble. I answered all of the questions that I was asked on the automated phone system perfectly. I track all of the data on XXXX to the penny, so I have have the information at my fingertips. I know the answers to everything but they are stating that I didn't answer the questions properly and will not unfreeze my account. I was hoping to re-finanace but have opted against it because Equifax is just too difficult to deal with. 

Prior to speaking with the representative, I went on-line to unfreeze my account but Equifax unfreezing screen states they are down for maintenance. After speaker with rep. she stated that it's not down I must be having technical difficulties. I was not having any difficulties. 

The only option they gave me was to mail in identifying information. They stated it could take 5 - 8 business days before they process the request plus mailing time. 

It shouldn't be this hard. XXXX  and XXXX  were much easier. It's simply not fair and I would love to see Equifax held accountable for their poor relations, lack of understanding and their technical problems that they are blaming on others.
Complaint sub-issue: Information belongs to someone else

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
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 XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  Bankruptcy Reference # XXXX has violated my rights XXXX XXXX XXXX XXXX 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: Problem getting your free annual credit report

EFFECTIVE TODAY CEASE AND DESIST PULLING OR SHARING XXXX  DATA OR HAND SHAKE OR BE SUE IN XXXX XXXX DOLLAR LAWSUIT
Complaint sub-issue: Received bad information about your loan

In early XX/XX/XXXX, I co-signed for a Parent Plus Student Loan ( XXXX XXXX ) I was told by the financial aide at the school that this was the only way to ensure my daughter would be able to continue her education. I had given the school {$10000.00} upon her enrollment. The 1st loan ( {$7300.00} ) was completed over the phone ( XX/XX/XXXX ), I was told it was recorded for verification. I agreed to pay interest only on that loan. To date Ive paid approximately {$3400.00}. During this same period my daughter was given an unsubscribed loan from XXXX  ( {$5400.00} ), even though I was told she could not qualify for this. The next Parent Plus Loan was on XX/XX/XXXX ( {$12000.00} ). I was never notified, called or was aware that this took place until XX/XX/XXXX. The discovery was brought to my attention upon graduation. I went to the school and met with Dean of Students, Financial Director and Student Advisor. Together we went over my daughters ledger. That loan was supposedly authorized by me and I allegedly agreed to defer interest. That never occurred. During this same period she was given another personal XXXX Loan ( {$3000.00} ). The 3rd Parent Plus Loan was on XX/XX/XXXX for {$2900.00}. I was called an again agreed on phone to interest only on a recorded line. To date Ive paid {$1000.00}. This loan is not anywhere on her ledger sheet, Ive repeatedly asked for XXXX XXXX to investigate all inconsistencies stated above. I was told this was my problem and to go to school to straighten this out unfortunately the school is closed. 
During this same time XXXX gave my daughter another unsubscribe loan for {$3700.00}. XXXX XXXX has threatened me to charge my daughter with fraud, and for me to call the police dept. Ive asked them to put the matter on hold until I could try to gather information. They have ignored my requests and reported my late payments to Credit Bureau. This is unfair and not necessary. Once I began my research Ive discovered that the XXXX XXXX of Michigan and XXXX XXXX have numerous law suits for these practices. Ive retained legal representation for these matters. We have not filed any actions as yet. I was also told by the school that their XXXX XXXX loans were competitively priced. # 1 is at 9.75 % # 2 is at 11.00 % # 3 is at 9.25 %, far from competitive. Ive attached a recent letter I sent to XXXX XXXX via registered mail.
Complaint sub-issue: Account status incorrect

Equifax is violating the FCRA. I filed a dispute with Equifax about the closed XXXX XXXX XXXX account being incorrectly reported as a current charge-off. Payment status is supposed to reflect the current status of the account. Not only did they fail to correct the false information but Equifax is now committing FRAUD since they changed the current status of the account which was PAID OFF ALMOST 3 YEARS AGO to start reporting as A CURRENT CHARGE OFF as of XX/XX/2019 ( THIS YEAR )!!! It is not a currently delinquent account. It is a paid account and has been for several years now.
Complaint sub-issue: Old information reappears or never goes away

Hello, I have submitted a dispute thru equifax.com for XXXX XXXX  XXXX and it came as verified. I asked to provide me the backup of how the account was verefied and all I received was a credit report. I have also email and called XXXX XXXX  XXXX to verify my account few times and every time they fail. This is not my account. It has never been mine. I have never used them and have no idea who they are. Please delete this from my file. 
XXXX # # # # # # XXXX XXXX XXXX {$130.00}.
Complaint sub-issue: Debt is not yours

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Complaint sub-issue: Problem with fees

I was charged a payment protection fee by XXXX for the past 8 years ( XX/XX/XXXX ) totalling over {$1700.00}. This is a feature we never signed up for, needed, or even wanted. We have had auto payment on this account and not used it for 3 years, but due to the fees the balance has gone up considerably. I contacted discover XXXX XX/XX/XXXX, to find out what the fee was for and cancelled it. I asked to be mailed any documentation showing we signed up for this, but was told they don't have anything. They did cancel the service, but we still have to pay the old fees. After a quick XXXX search I found several people discussing the same problem and settlement in XX/XX/XXXX for this very same issue.