Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Hi My name is XXXX XXXX, The company name is Ally Financial Account number is XXXX There were complaints about this company. I paid this from XXXX through XXXX payment XXXX a month XXXX down payment. The total amount add up to XXXX. In XXXX I had financial problems I filed bankruptcy. 
The car was almost paid off my husband the veteran I was stressed out. 
I didn't add the payments until now 10 years after the bankruptcy the car was paid off back in XXXX. The payments was already paid for ownership for this vehicle. 
Last Friday I got a call from Ally Financial and he said, he was surprise I took the call, I told him I paid the car off I didn't need to hide. I went back in books My XXXX  showed that I made payment from XX/XX/XXXX XXXX up until XXXX that total XXXX down payment was XXXX 
Ally had complaints because I received this letter from CFPB DATED XXXX XXXX ALLY FINANCIAL COMPLAINT this is just another one I paid the car off and they talk reprocessing my vehicle after i paid the car. I wrote show proof of payments.
Complaint sub-issue: Don't agree with fees charged

I have a Private loan serviced by AES. The lender is XXXX. I attended the University XXXX XXXX in NC and received a XXXX. I could n't obtain employment so I went back to school and attended XXXX XXXX XXXX College and obtained an XXXX. During my time in school I obtained several government student loans and I honestly do not remember obtaining a private student loan at all. I have asked for a copy of my application to confirm whether this is my loan and AES has refused. I decided I would go ahead and pay the loan to protect my credit. I have been paying on this loan and have never been late but the balance keeps increasing. AES has been applying all of my money to interest & not principal. The alleged original loan amount was XXXX and now they have me owing over XXXX. Over the years they have changed the interest rate & payment amount several times without notifying me. Just recently that interest has gone up again, therefore my payment has also gone up. I really value my credit rating that is why I continue to pay on this loan, but I really need someone to help me with getting confirmation from AES and XXXX to confirm that I actually signed for this loan and to review my loan documents to ensure that the terms of the loan are legal. I am pleading for the government to do a thorough investigation of AES and XXXX in reference to their loan practices. I feel they are taking advantage of honest hard working students seeking to advance their education in order to make a better life for themselves. It is very shameful and disgusting how AES & other lenders are allowed to commit these atrocities at the expense of students & their families. Thank you for allowing me to voice my concerns regarding this important issue. Predatory student loan lenders are proving to be very detrimental to a promising future. I hope that I and many other struggling borrowers can find relief. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I got a statement in the mail saying that I owed over {$3900.00} due to several purchases made on a new Best Buy credit card. Someone fraudulently opened this account in my name after a security breach, so I filed with the credit reporting agencies, XXXX XXXX, and Best Buy. The statement lists the purchases as having been made on XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$850.00}, XX/XX/XXXX for {$990.00}, and on XX/XX/XXXX for XXXX in XXXX. The first XXXX look like computer purchases while the fourth is listed as " XXXX ''. 

Best Buy opened an investigation and on XX/XX/XXXX Best Buy sent me notice claiming that I had benefited from the fraud ( they had no evidence for this claim ) and demanding I pay the balance on the closed account.
Complaint sub-issue: Information belongs to someone else

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Complaint sub-issue: Information belongs to someone else

I was trying to buy my wife a necklace at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. 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  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.
Complaint sub-issue: Account information incorrect

I XXXX XXXX notice XXXX has a incorrect balance showing and I asked Equifax multiple times to fix this incorrect information.
Complaint sub-issue: Attempted to collect wrong amount

In  XXXX   XXXX , I went to  a Third Party   XXXX   XXXX  for an upgrade on my  XXXX  phones.   The next day I cancelled my plan with this dealer and went to The  XXXX   XXXX  in  XXXX , NY.   What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the  Authorized  dealer. I brought this to  XXXX    XXXX   XXXX   XXXX   attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account.   Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in  XXXX   XXXX  and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.
Complaint sub-issue: Account status

EQUIFAX fails to remove the XXXX CARD account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account Credit Limit is {$19000.00} and yet EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom This May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Complaint sub-issue: Account information incorrect

In XX/XX/2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} ). 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.
Complaint sub-issue: Deposits and withdrawals

Withdrawals, and reversals of transcations that I do not use that company. XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with US DEPT ED, XXXX XXXX, and USDOE/GLELSI. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, and USDOE/GLELSI  with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

I was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police report.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). I just received my investigation results. Complaint # XXXX and saw an account was verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? if so, please inform me of the person who completed the investigation. How did you do a thorough investigation if there are still several inaccuracies on my credit report? One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681 Section 603 ( E ) States ; The term " investigative consumer report '' means a consume report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681 ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information form the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer and natural person, am aware of all of the rights i have, and which are protected by the Congress under the FCRA. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US Dept. Of Education Account Number : XXXX XXXX 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. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I went to the XXXX  store to find out about their monthly plans. The salesman was pushy and aggressive. I repeatedly told him I did not want to sign up and left the store empty handed. I did not receive any phones. Two months later in XX/XX/XXXX I started receiving a XXXX  bill. I called them and told them I Didnt get any phones. I was told that they verified I had in fact not gotten any phones and they would close the account and I would not get any more bills. In XX/XX/XXXX I saw XXXX  on my credit report for XXXX so again I called them. They said that no I did not get the phones and they took it off my credit report for 6 months. Then in XX/XX/XXXX it was back on my credit report. I repeatedly called XXXX  and every time was told that no I Didnt get any phone and they would get it off my report. The most recent time was XX/XX/XXXX. XXXX is very aware of the fact I Didnt get any phones and refuses to take this off my report for good. They say they will and they dont.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC 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 that are reporting on my Credit Reports : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Complaint sub-issue: Qualify for a better loan than offered

After many calls and letters I still am yet to find out the variables used in determining the interest rate Sallie Mae offered. Under truth in lending, there must be some obligation, after receiving all my personal information and processing a loan request, that they provide me with the details as to how the interest rate offered was determined. 

With a cosigner XXXX score of XXXXSallie Mae offered XXXX a loan at anywhere from 8.37 % to 10.875 %!! There is nobody at Sallie Mae who can explain how this interest rate that was offered is calculated, just that it 's non negotioable. Then they are guilty of false advertising since they advertise the following rates : Variable interest rates from 2.50 % APR to 9.59 % APR3 Fixed interest rates from 5.74 % APR to 11.85 % APRXXXX If they are offering XXXX a rate only slightly lower than their highest rates available, with a cosigner with an excellent rating that is agreeing if XXXX defaults to be responsible for the loan, than there is something that does n't add up.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from Discover to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made numerous complaints about this XXXX charge-off account with no real assistance from XXXX other than some mailed statements. 

XXXX has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

XXXX, XXXX, and Equifax are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted from my credit report.