Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

On XX/XX/XXXX, I was involved in a Hit and Run Accident. The car that I was making payments on via Auto Trakk was deemed a total loss. My insurance company XXXX XXXX has been working with Auto Trakk on my bebalf and has been aiming to pay off the remaining of the lease as well as all title fees. Auto Trakk has stated that they can not give a Payoff Letter or amount until they get the check. Which is false according to my agreement which XXXX XXXX has a copy of. The belief is they are trying to get the whole amount and return no funds to me. They have failed to give either me or my insurance company an accurate amount in order to buy the lease and pay off title. The only form of documentation they have given was that they would accept payment was which is the letter of Guarantee. The amount that my car insurance company was attempting to pay was {$6200.00} I believe. My insurance company cancelled the check they were going to issue as payment for fear they ( Auto trakk ) would not give me the difference. I only had 34 payments left on the car in which I was paying {$87.00} weekly. My insurance company recommended I contact you all with a complaint because Auto Trakks answers and business is unprofessional and sketchy. We ( My insurance company and myself ) are trying to simply get the car paid off so that I can get a new car. Yet it feels that since my accident I have had to jump thru hoops and suffer for something I did not do. Bad enough I struggle daily due to my injuries from the accident. I should not have to struggle with paying off a vehicle that is totaled due to Auto Trakks greed and unprofessionalism.
Complaint sub-issue: Personal information incorrect

XXXX has an address reporting on my report and to be exact the address does not even exist. I called them on XX/XX/XXXX and they claimed to have removed it on my report and it still reports. I never lived at XXXX XXXX XXXXXXXX XXXX, ga XXXX and the address XXXX XXXX XXXX ga XXXX does not exist
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, I was told that this reporting agency is fraudulent and reports to creditors a lower score and I needed to file a complaint.
Complaint sub-issue: Was not notified of investigation status or results

For the past year I'm asking XXXX  and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on EQUIFAX that still reports BALANCE!!!
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report, It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Debt was paid

I paid my medical bill to XXXX XXXX XXXX on XX/XX/2022 for {$200.00}. I received no mail communication nor voicemails from the Collection company, Grant & Weber INC, and they reported a collection to my credit for an original balance of {$200.00} from XXXX XXXX XXXX which was already paid.
Complaint sub-issue: Debt was paid

The account in question is a Macy 's XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of XXXX payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in spanish.

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last XXXX of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last XXXX of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the XXXX payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this XXXX check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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.
Complaint sub-issue: Information belongs to someone else

This is already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I am a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection on the XXXX  XXXX  XXXX XXXX  partial account number XXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Complaint sub-issue: Investigation took more than 30 days

Sent Equifax a letter stating I wanted a investigation into 5 of my accounts that I feel are inaccurate. Its now 45 days and I haven't gotten a response from them about my investigation
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On or around XX/XX/XXXX, I received a call from an L.J. Ross & Associates. At the time of the call, an agent informed me of a debt that was reported to have been mine. 

During this call verification of debt was requested of L.J. Ross & Associates, and I provided my new address as of XX/XX/XXXX, along with my email address to have the verification documents provided to me, as I wanted something documented to ; ( 1 ) .Clearly explain the debt/amount. ( 2 ). Verify that L.J. Ross was a legitimate collections agency before agreeing to repayment/settlement and providing my payment information. 

After months I received another call from L.J Ross & Associates on XX/XX/XXXX, pertaining to this same issue, and I informed the phone assoicate of my prior request of verification document. The associate was again provided with my physical.mailing address and email address and she infomred me that the information had not been entered in there system previously? 

On XX/XX/XXXX, I received an emailed alert from my Credit Union informing me that that there had been a change to my report that could have a negative impact on my credit score, so I logged in to the credit monitoring app to find that L.J.Ross and Associates placed a collections on my report. 

On XX/XX/XXXX, I contacted L.J.Ross and Associates with the contact information listed on the collection entry of my credit report and ultimately requested to speak with a supervisor because the associate that I was connected to was very rude and unprofessional. Upon being connected to a supervisor the communication worstened and the supervisor ignored my concern that the agency did not follow the law and provide me with some documentation that confirmed this debt and confirmed that the attempt to collect my payment information were all legit, he just bantered with me and there no no resolve met with this agency in explaing how/why they placed a collections on my report. 

On XX/XX/XXXX, I received a verification of debt and a letter verifying collections from L. J Ross & Associate, after they failed to negatively impacted my credit and failed to uphold consumer reporting laws.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INQUIRIES : XXXX  XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Complaint sub-issue: Account information incorrect

try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received Equifax, XXXX, and XXXX need to correct this asap
Complaint sub-issue: Their investigation did not fix an error on your report

i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only transunion has deleted the account... ..equifax and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number experian is reporting XXXX and equifax is reporting XXXX XXXX both cant be accurate and therefore they are violating my consumer rights
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$9300.00}, {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- INSTALLMENT LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Trouble with how payments are handled

I have a number of student and parent loans from myself and my XXXX children 's college educations that are now all administered by Nelnet. When I was in school and when my children were in school some of the loans went in and out of deferment automatically- without my consent. I have been making the minimum payments for about five years but the total for all of the loans has not decreased more than a few XXXX dollars. Recently I requested a listing of all payments and how the payments were applied for each account. I noticed that on some of the accounts- especially one with a payment of over {$100.00} a month- all of the payment was applied to interest for several years. There are payments that say " reapplied borrower payment '' which makes me think Netnet redistributed payments at some point. Customer service agents at Nelnet can not answer questions about distribution. They can only read the same information about the accounts that I can access online. 
I think that Nelnet is mishandling my accounts. How can XXXX % of a standard repayment payment not pay any principal for months or years at a time? There have also been many instances of interest capitalized- XXXX of dollars at a time. I need someone who is knowledge about this subject to review my accounts with me. I am and have been paying XXXX of dollars a month in loan payments and my loans are not getting smaller! Can you help me figure this out? Standard repayment is supposed to be 10 years. Between the questionable payment allocation and the automatic deferments I can see this going on and on. I need a payment schedule that I can depend on and track.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. I have demanded that they remove all my information from their databases immediately. LexisNexis sent me an email on XXXX requesting additional information ( they did not even give me 24 hours to respond to the email before they sent a response to cfpb falsely stating that I hadnt responded to their attempts to contact me ), I responded with the requested information and have yet to hear back from them regarding my information being removed from their database like I demanded. I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello, I am a XXXX XXXX Veteran when I transistioned out of the service in XX/XX/XXXX-XX/XX/XXXX I fell into a state of homelessness and was unable to pay my bills. Since then I have been able to somewhat recover and attempt to get back on track with my financial responsibilities. During this period I was unable to pay my cell phone bill with XXXX XXXX XXXX. They have since sold my debt to collection companies ( multiple ). AFNI inc opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX My complaint is the fact that they sold my debt to multiple companies who are currently both trying to collect on me. How can I be forced to pay my debt twice to XXXX seperate companies. I have attempted to dispute this information on my XXXX, XXXX  and XXXX credit reports to no avail. I have been told I can not dispute that fact that they are the same account because the orginal creditors are not the same ( XXXX XXXX XXXX, XXXX XXXX ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A few months back I tried applying for a Home loan through a financial institution and was denied. Upon me pulling my credit report I noticed there were inquires that were not initiated by me or authorized on my behalf. The inquiries are as follows ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ). I tried disputing through Equifax and was told to I needed to contact the original creditor. I reached out to the creditor and got no help. I again contacted Equifax and was told to submit a CFPB complaint and or police report and or FTC report and send it in with a copy of my ID and proof of address. It is XX/XX/XXXX and I yet received a satisfactory of my disputes Ive submitted
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent written disputes via USPS mail in regards to unknown accounts reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these unknown accounts be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondences regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the unknown accounts reporting are impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am requesting for you to immediately remove the unknown accounts listed on the dispute letters or I will take further action and pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Complaint sub-issue: Can't get other flexible options for repaying your loan

They've put my case with collections already i have 4 different schools and four different loans. I can't pay back if i have no income or way of getting my credit score back up. Also ive told them im XXXX XXXX XXXX and i recieve social securit. Net nel handled it then and still no results
Complaint sub-issue: Other problem getting your report or credit score

On XXXX XXXX XXXX XXXX XXXX tried to pull a credit report & credit score & they were unable to obtain a credit score. I've spoken to someone at Equifax at least 4 times about not being able to retrieve my credit score and as of XX/XX/2018, nobody has been able to resolve the issue. I'm currently under contract to purchase a property and approval is pending upon review of my credit score. Please help!