Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I stopped making payments on my private student loans because no one could give me the original contracts for the loans that showed the interest rates being charged. Various debt collectors sent letters over the years seeking varying amounts. One week before the six-year statute of limitations expired in my state,  XXXX  brought a lawsuit in state circuit court. The contract attached to the complaint said that a different state 's law governed the enforcement of the contract. That state has a four-year statute of limitations. The issue of whether  XXXX  filed a lawsuit after the expiration of the statute of limitations is currently pending before my state 's Supreme Court on interlocutory appeal. Another part of the interlocutory appeal is whether the mistakes on the summons result in a lack of personal jurisdiction.    XXXX  did not sue in its legal name, which is " The  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  '' It admitted that it did not own the loans that it sued upon. It also later admitted that it did not have the original contracts that it sued upon, which are necessary under the " best evidence rule '' at trial.  XXXX  claims to be a loan servicer and that    XXXX    other corporations own the loans. My credit report showed that a completely different corporation owned at least   XXXX   of the loans sued upon.  XXXX  did not include all   XXXX   loan account numbers in the complaint and refused to add the true owners of the loans as " necessary parties '' to the case.   In my state, a loan servicer that collects loans it does not own is operating as a " collection agency. '' A collection agency must be licensed in my state, and  XXXX  was not at the time of the lawsuit. In my state, a collection agency is not allowed to bring a lawsuit on behalf of a creditor or any other entity. I have alerted my state attorney general and the department of licensing. I am writing this to help anyone who has been sued by this corporation. State and federal consumer protection laws  may  help you file a counterclaim.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer 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. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes 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: Card was charged for something you did not purchase with the card

My father, who is an authorized user on my Home Depot Credit Card, had his Home Depot credit card used by someone else. I report the fraud to XXXX XXXX and they initially credited my account. However, a few weeks later I received a letter from Home Depot credit card stating that they had completed their investigation and my father did use the card and since he is an authorized user on my account, I am responsible for the charges. The only problem is my father was in the hospital since late XX/XX/2022 with a subdural hematoma and in a coma. My father never left the hospital and on XX/XX/2022, my father passed away. I provided this information to XXXX XXXX during our initial conversation. I again faxed this information, with supporting documentation on XX/XX/2022 and XX/XX/2022. Home Depot credit card stated they did not receive the faxes even though I have successful confirmation fax sheets for both faxes. I also mailed the supporting documentation on XX/XX/XXXX but again Home Depot credit card claimed not to have received the mail. I them certified mailed the supporting documentation to Home Depot credit card and they finally acknowledged receiving the information, but they have taken no action to remove the fraudulent charges from my account. I don't what else to do to prove to XXXX XXXX that neither I, nor my father, made these fraudulent charges. I told them to them to look at the video at the cash register where the charges were made and they told me they do not XXXX XXXX XXXX XXXX videos, which made no sense.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.
Complaint sub-issue: Other problem getting your report or credit score

i am trying to get a new home with my credit union/bank . i called them so that they could do a soft inquiry to see where things stand. they said they have to pull from equifax to do the soft inquiry. on two different occasions, they are saying they cant see my equifax credit report. they stated on both occasions that it is showing i do not have an equifax credit report. also, i believe the credit score for my equifax is wrong. it is still showing the same score as it was awhile back, after having 4 accounts removed from it, but it should be higher. anyway, i found out that if you have too many soft inquiries on equifax, that it will not generate your credit report for some reason. and i also found out about the equifax credit score glitch. i talked to equifax and had my fraud alert removed, hoping that would fix things. i then called to have soft inquiries removed from my report because there are way too many on there and they said they cant remove them.
Complaint sub-issue: Funds not handled or disbursed as instructed

1. I received an Certificate of Deposit offer in the mail from Citibank where I do my banking. 

2. Since I had an existing interest bearing IRA account with Citibank practically getting negative returns after fees, I decided to participate in this CD offer@ 2.5 % interest. 

3. My personal banker informed me she was unable to handle the transaction so I had to work with the branch bank president because it was offer from the retirement division of Citibank. As a customer of this institution wouldn't the president act as a fiduciary in this transaction? 

4. Late in the afternoon we went through an application about 7 pages first which seemed correct. After which he created an IRA transfer document with the dollar amount. I had to sign both these documents and be hurried out for closing of the bank. 

5. Assuming he took care of all the details I wrote the maturity date on the cover of the folder containing all the documents and filed it at home marked a personal calendar as a reminder when to move the funds 18 months later. 

6. I recently went to move the funds after 18 months only to discover he never established a CD at 2.5 % instead he failed to fill out the paperwork correctly and had it in an interest bearing account at .005 %. 

7. I tried every way to get this bank to remedy the problem and they refused because the incorrectly filled out transfer paper was a signed contract. 

8. Now, do I have a chance in ( Help ) to correct this {$1000.00} dollar lose? This bank Pres. is supposed to act as my fiduciary and protect my interest not pull a bait and switch on a 20+ year customer.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX, my 2 year contract was finished with XXXX. I chose not to renew my contract and was told to return XXXX XXXX XXXX, since the phone was still on a lease. I was advised to call XXXX and get directions on sending back the phone. When I called XXXX I was told that I need to go into a XXXX store to return device. I went back to XXXX store in XXXX XXXX, Ohio one week later to return phone. I was told again that the store rep can not take the device it must be sent via post mail to XXXX. I was then given the same number to call and get directions to send back phone. When calling into XXXX for the second time a few days after my visit the store I was told a second time to drop phone in XXXX store. My girlfriend then called XXXX store and was told we were not able to drop phone off at store, she then called XXXX customer service and was able to get box/directions to send back phone. While in contact with XXXX regarding returning the device no one communicated with us I had an outstanding bill of {$170.00}. 
While checking my official credit report last year I was made aware of a collection of {$170.00} with a company AFNI. I called AFNI regarding this debt and spoke with male CSR and was told debt was for the device. I explained phone was sent back to the company but it was sent back 2 months after contract ended to being misinformed by both the store as well as customer service. He advised debt will not be removed until payment is made in full. I called AFNI 3 months later regarding debt. I spoke with female CSR and she explained to me that debt of {$170.00} was for the last phone bill. After speaking with my mortgage lender he advised me get a letter stating if balance was paid the debt will be removed completely from my credit. I called AFNI back the following day and spoke with male representative. The CSR confirmed with me that once the balance was paid he would send letter reflecting debt will be taken off account. On XX/XX/XXXX, XXXX XXXX and XXXX dollars was paid to AFNI. The following day I received letter stating the account has been paid and a notification would be sent to the credit agencies reflecting the current status. I called the same day to AFNI, to discuss letter. The letter does not state the debt will be removed from account as promised. I was told regardless if I paid the balance the debt would stay on my account for up to 7 years. 
I truly believe that the debt does not reflect my creditworthiness and the debts have been repaid. We are planning to apply for a mortgage loan and unable to do so with this debt on my credit report. We spoke with multiple XXXX representatives and no one brought the past due bill to my attention and did not try to collect balance from me before it was sent to the debt agency AFNI. The AFNI representative was deceiving and did not tell the truth regarding the debt after the balance was paid. It would help me immensely if the debt can be removed from all the credit agencies and the account was put in satisfactory standing.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

please review documentation and remove inquiries.
Complaint sub-issue: Other problem

This issue is with Aqua Finance , Inc. at aquafinance.com. Customer Service # XXXX. They are a creditor of mine for new windows in my home. 

I'm not getting paper statements and I can not access my account online for most of 2021. 
I spoke to XXXX on XXXX/XXXX/21 who assured me that I would start getting paper statements again and that she would NOT be able to fix the online access problem. I spoke to another representative earlier in 2021 - around XXXX, who told me that online access would be fixed. Both times I called XXXX. 
This issue has never been resolved. I still do not have access to my account online. I do not receive paper statements. I don't know if the automatic payments are processing correctly, I don't know what my payoff is. 
I simply want access to my account information. I have made it very clear to the representatives that I've spoken to that I want to return to paper billing. It has not happened. They have had 5 billing cycles ( months ) to make this right.
Complaint sub-issue: Was not notified of investigation status or results

im filing this dispute because I have failed to receive any results on my initial dispute on regards of the incorrect fraudulent accounts reposting on my credit report. it is very misleading and stressful because they are taking a disadvantage of me and my consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.
Complaint sub-issue: Account information incorrect

I have been paying off XXXX credit card ending XXXX last week since I am in the process of refinancing my mortgage. But credit Bureaus are not reflecting this paid off. I want credit bureaus to update my credit profile ASAP since it impacts my interest rate. I have attached the proof.
Complaint sub-issue: Public record

Credit Reporting agency Equifax never validate my judgment. They updated satisfied instead of removing like XXXX and XXXX.
Complaint sub-issue: Information belongs to someone else

Hello, My name Is XXXX XXXX and I am filing a complaint against XXXX for committing identity theft & Fraud. I have never given XXXX permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT XXXX would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. XXXX  XXXX statement informs lenders they must comply with the CARES Act. XXXX  XXXX statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX  Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.
Complaint sub-issue: Was not notified of investigation status or results

Credit karma approved my times for loans and credit cards.I applied many times and was denied and it made my credit score go down.They sent me many notifications from their app saying I was approved and through email.My credit went down and they told me it would not affect it.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax says they reinvestigated items on my report. They provided no information from the investigation. The law states for verification all original signed documents, original contracts with the official signature of the consumer must be provided also the original creditor information must be provided. Saying items have been verified is not acceptable and not providing the information is also unacceptable. Equifax modified the amount, payment, and other historical information on my report in regards to the accounts in question. Equifax also claims other information has been provided from the original source. I have not been sent any information on the items used to verify accounts. I demand that said accounts be immediately deleted from my credit profile. This is the 3rd dispute and Equifax is stalling and not taking the appropriate action as deemed by law to protect the consumer
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Gift Card Debit Visa - card issued by U.S. Bank National Association. company internet address URL XXXX XXXX XXXX XXXX  XXXX. I purchased this prepaid debit visa gift card for {$50.00} and a {$4.00} activation fee with cash from XXXX XXXX on XX/XX/22. All attempts to activate the card failed. I went back to XXXX XXXX with the receipt, and they indicated they could not refund the money, but they attempted to help me by calling the number on the back of the card. Each time a person was reached they would indicate that we had to call a different number. After 1.5 hours we were disconnected so I went home. The next day I called the number that we were last given. The person which finally attempted to help told me that the number on the card is not a valid number. They then asked for the last eight digits on the back of the card. After providing I was told that the number was not valid. I asked if I could give then the full number on the back of the card, the transaction information from XXXX XXXX and they said no that would not work. They indicated my only option was to fax an image of the card ( front and back ), provide a copy of my driver 's license, provide my telephone number, and my email to a number they provided. I am unwilling to fax my personal identifying information to an unknown number due to concerns over identity theft. I asked if they had a secure web site so that I could upload the information and the response was no. I asked why the fax number was not listed on their web site and the person did not know and I also looked can could not find any indication of a secure fax number. I would like for either the cash to be refunded {$54.00}, or a new valid {$50.00} card to be issued without being charged another activation fee ( as I have already paid the {$4.00} fee ). I would also recommend they create a secure web site for the transfer of information they are requesting and that it be made visible on their web site for information they are requesting. 
I can upload a copy of all transaction information to the CFPB website upon request, if the CFPB would like a copy as I know the CFPB has a secure web site.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very upset! 

I have submitted several disputes by mail to the credit bureaus to fix incorrect and incomplete accounts in which they fail to properly verify. I have yet to receive a response or solution from them. 
I have provided them with a very DETAILED dispute letter, clearly identifying the specific account names, numbers and details as to why it is reporting inaccurate and/or incomplete. 
I have even included screenshots of each account specifying the inaccuracies and incompleteness. 
I have still not heard a response to fix this issue, it has been well over 30 days for them to respond. 
THIS IS ABSURD!! HOW DO THEY HAVE THE LEGAL RIGHT TO CONTINUE TO REPORT INACCURATE INFORMATION WHICH IS CLEARLY IN VIOLATION OF THE FCRA!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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.