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

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 three 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 XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Didn't receive notice of right to dispute

I've been working with XXXX regarding a " Debt ''. I haven't been dodging his calls we've spoke and unfortunately had a miscommunication with the settlement amount. I was ready to settled as I thought we had agreed to a certain amount to settle and when i received the letter with the settlement amount it was different than what we discussed. he said he was unable to make a change to the settlement amount and i understood there was only so much he could do, so i asked him if he could have his manager call me back.. His manager called me back and I'm shocked at the absolutely disrespect from this guy. I understand being is this business is hard, but there is no excuse for his behavior, it was the job he agreed to take, however the level of disrespect and the tough guy act was not what I was interested in what so ever and I hung up on him, I will never be disrespected by someone like that. I'm looking to settle today and someone with some common sense and a level of respect for a person not trying to dodge them and actually take care of a balance with a reasonable offer, can call or email me and we can get this done I recently found out that this collection agency has had my account since XX/XX/XXXX I have the legal right to be notified in writing prior to my account being reported to my credit report. Hunter warfield has  continued to threaten me about reporting an account that they have not provided me an opportunity to dispute or be properly notified in writing.
Complaint sub-issue: Reporting company used your report improperly

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

This creditor is falsely reporting an account on my credit report that does not belong to me I have notified the creditor of the situation but the creditor has deleted the account and re-post the account as if it is a new account. The creditor is constantly doing this every year. This is not my acct and never has been.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Hello, I've tried disputing several unauthorized accounts and inquiries on my credit profile for a while now with both XXXX and Equifax. I've submitted all required documentation such as a valid police report, FTC affidavit along with valid identification in writing. Under the FCRA 605B once all required documentation is provided to the credit reporting agencies, unauthorized/inaccurate accounts must be blocked within 4 business days. I've also called these agencies every day requesting the information be blocked from my credit profile. Please assist me with enforcing my credit reporting statutes. 

Regards, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I disputed that a credit card that was paid in full after reaching a settlement with the company. Equifax validated the settlement but then added it to my credit report dropping my score 49 points even though this was already on my report. Equifax updated the dates to invalid dates making this appear recent on my credit report when in fact it was already closed and settled. Equifax needs to add the 49 points back to my credit as this seams like they are punishing me for reporting a dispute on my credit account.

This is a predatory retaliation for processing a dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses XXXX remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I got a disturbing news from my credit bureau ( XXXX  ) that Conn 's reported 30days past due which alert me to call Conn 's, because I just paid them on XXXX for my XX/XX/XXXX payment I can only pay on the XXXX of the month and they wont change the due date so the rep offer me an extension and set me up on auto debit to starting on XXXX so I'm always 2 weeks ahead rather then 2 weeks late but this shouldn't ever cause Conns to report me 30 days past due I been paying this way for over over over a year now. so I called Conns today XXXX because if I didn't accepted the extension and with the payment on made on XXXX for my XXXX payment my account would of been 7 days past due as of today XXXX and I would of paid it on XXXX. so I called the rep on XXXX and I was advised that they made a mistake and misapplied my payment THAT THEY MADE A MISTAKE, I reminded them due to there careless mistake it caused to mark my credit I'm extremely upset I want this matter fixed immediately this isn't the first time these people made a mistake, I demand its fixed and they need to update my credit bureau I shouldn't have to prove to them that they reported my credit when they know they did if you are willing to fix the mistake this should also include the negative reporting as well on there part, if my credit and account isn't fixed being this is the 2nd time I had to deal with them since 2016 I'm prepared to make an Attorney General complaint and contact the news I work very hard to build my credit and to get knocked down and punished for there careless mistake and tell me they don't know if they would fix my credit but they would try to fix my misapplied payment isn't fair its abuse this is terrible so I have to put my life on hold and wait 72hrs to hear back about my money they took from me that sitting in my conns account but yet reporting 39 days was my money applied to someone else account???????? I want my account to report and reflect current like it suppose to be and update all 3 credit bureau they made the mistake they need to fix it entirely!!!!!!!!! 
I'm suppose to be buying house you are messing with my life AGAIN!!!!!! I WILL NOT LET THIS SLIP AWAY THIS TIME!!!!!!!!! EXPECT MORE COMPLAINTS
Complaint sub-issue: Account information incorrect

I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report.
Complaint sub-issue: Keep getting calls about your loan

I've been getting calls from a " XXXX '' at the " Student Loan Support Department '' teasing with a previously unknown loan reduction program. The call is from XXXX XXXX XXXX, but the callback number is XXXX XXXX XXXX. It sounds fishy. My current servicer is Nelnet, but they're not mentioned in the voicemail anywhere. Just wanted to point out a potential scam. 

Thanks, XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.
Complaint sub-issue: Their investigation did not fix an error on your report

I had disputed the following XXXX accounts XXXX times with this agency asking for validation to these accounts. Instead they simply respond verified which is violating my rights to see how they validated. These are reporting incorrectly on my report besides that being they are said to be charge offs but yet show 100 % payment history. Its well past the XXXX In NY and these companies no longer own the debt nor do I owe them.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a medical bill being reported by XXXX XXXX XXXX XXXX that I paid with the original company XXXX XXXX XXXX on XX/XX/XXXX.  XXXX XXXX XXXX XXXX continues to call me even though I have told them repeatedly that this is paid, I have even sent them an email with a copy of the receipt.  I have contacted the original creditor who verified I owe nothing and said they would contact XXXX.  I have disputed the information with EQUIFAX 3 times and each time it comes back saying XXXX has verified the debt.  Upon calling EQUIFAX, they will tell me what XXXX submitted to verify the debt.
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 XXXX 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 XXXX 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 three 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account information incorrect

A lot of errors appear on my credit report and I have reached out to the companies for the violations of the FCRA and they refuse to investigate and remove inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX I have zero knowledge about this account this does not belong to me please delete from my credit report 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX 4. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX
Complaint sub-issue: Information is not mine

i was a victim of identity theft. i have a fraud alert on my XXXX credit bureaus. i have had no problems at all with XXXX and XXXX.i supplied necessary documentation to all XXXX including police report and a afftidavid from FTC. I am trying to get XXXX inquiries off of my credit report with equifax and they are refusing to remove them they tell me they are factual. well of course they are factual any one with someones info can apply to any company. The company doesnt have no idea if its really the correct person or not. XXXX and XXXX have deleted all of the fraudulent inquiries. Exuifax has told me that i would have to call each creditor who put inquiery on my credit and have them remove them. Well i did that and they all told me the same thing EQUIFAX is the ONLY ones that can remove from my credit report. so i went to dispute all my inquiries on line and to my amazement you CAN dispute inquiries online. so i did this and put reason as fraudulant inquiry. Well then they send me notification that investigation complete in less than 24 hours. and states inquiries will not be removed. I am at my wits end with this company. all the accounts that were on my credit due to fraud were all removed as well as all my inquiries from XXXX and XXXX but equifax continues to fight me on this. seems i will need to get attorney involved now. any help you all can do would be very much appriciated. this whole thing has been very time consuming and im running out of patience with equifax.
Complaint sub-issue: Information belongs to someone else

I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with Equifax, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service XXXX on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.
Complaint sub-issue: Debt is not mine

This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted.
Complaint sub-issue: Denied request to lower payments

Auto loan through Ally Financial was opened XX/XX/XXXX fir {$30000.00}. The loan payments were roughly $ XXXX/mo. The monthly payments were made on time or early each month and at times made with double payments all the way until XXXX calendar year. There were three months were the payments started to get late do to marital issue at the time along with some other financial issues that arose from the start of marital separation and divorce. Ally was contacted on multiple times regarding the late payments and sought help from them for possible refinance, or any other assistance. I was told that at the time of that they were unable to offer assistance because the principal amount was not low enough for a refinance, however I argued this point with them and informed them that I applied for a refinance with my personal bank and was approved for loan with lower interest rate and payment however the amount approved was for minus {$2000.00} so I would have still been left with a balance owed to Ally and had to make two payments. The vehicle was repossessed around the summer of XXXX. I had sought more help from them after the repossession due to having {$200.00} dollars less than the full amount to get vehicle back amd they refused to work me regarding a plan as like was done leading up to the repossession. The vehicle was sold in auction however the amount sold for was not able to cover remaining balance. Since XXXX the auto loan went to collection and had been paid back under hardship at {$25.00} a month. The loan was recently sold to another agency and they are threatening legal action because its being paid back under hardship and not at a high enough payment. The amount owed is {$12000.00}. 
Ally recently hit my credit report after I filed a dispute through the credit bureau requesting the monthly payment of {$25.00} be reflected as being paid toward balance and instead I encountered a 32 point hit because they claim I only pay 6 % of the time. It is my belief that Ally benefited from their predatory practices that only benefited them and not the consumer that held the loan by negotiating terms or stipulations that were not achievable by the consumer therefore causing financial harm to the consumer while Ally made money off of the consumers financial trouble.
Complaint sub-issue: Account information incorrect

Equifax refuses to correct erroneous Data ( Balance, Current Status ) Regarding XXXX XXXX   XXXX. They have been sent copies of a Mortgage Statement and a Bank Statement showing The Balance was wrong, the correct payment amount and a statement on it showing that all payments RECEIVED after the XXXX of the month would be considered late. 
The bank statement shows the date of the check being processed on the XXXX of the month by the Bank. Common sense tell us that for it to be processed by the bank on the XXXX of the month, it had to be received by XXXX  on or before the XXXX of the month. 
Also in the cover letter I stated that I was in contact with a REPRESENTATIVE from XXXX that advise that they were aware of problems with reporting DATA to the Credit Agencies and told to do the above per their instructions and they DO NOT expect any corrections soon because of another party involved and to give the agencies their phone number which I did. 
Equifax has NOT supplied me per date with how they investigate per their own statement.