Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

My son asked for me to cosign a {$35000.00} loan for a boat which he agreed to pay. Reason being that his credit rating was very poor. I expressed doubts that my good credit will be of help because of my low income. He assured me that he had talked to a friend in Comerica Bank and that there will be no problem. My credit rating has been around 810 for the last 30 years. Loan was approved and the Bank presented me with documents to sign. I failed to see that the Bank made me the Principal. To the best of my understanding my son 's income hoovers around {$100000.00} year. He has told me that he is 51 % owner of a company that invoices around {>= $1,000,000} per year with an approximate profit of about 7 %. He also told me that his credit rating was poor. My total income is {$29000.00} consisting of SS and two small pensions. I'm XXXX years old. My son has paid for the loan since the beginning but very inconsistently. There has been numerous late payments. The bank has sent me numerous letters regarding these late payments. I have redirected their attention to my son. Comerica Bank has ignored my requests. Comerica Bank has now re-possessed the Boat. It's my understanding that I'll be sued for whatever moneys are not recovered by the sale.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance Owed XXXX {$4500.00} XXXX XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00}
Complaint sub-issue: Delay in processing application

I recently applied for two US bank accounts one secured and the other unsecured. I was asked to verify my information and I even called from the number on my fraud report. The Fraud department asked for documentation of Front and back of drivers license front and back and Social Security card and a bank statement confirming my address. I complied and faxed the information to the proper department only to find out that my application was declined because they were not able to verify my identity. I find it really peculiar that as a XXXX  individual I was denied and discriminated against. I provided the information only to be told that they decided to decline it. I sent all information requested and even called from the number on my XXXX credit report ( that was The report they used ).
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, Kikoff Lending LLC is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.
Complaint sub-issue: Funds not handled or disbursed as instructed

I was a victim of a scam on XXXX marketplace. I purchased an item that was from a member whos account was not real. I had never used this means of purchasing before. I was told this was thru XXXX goods and services. When the transaction came thru, it stated goods. After I paid {$300.00} the profile was deleted and I never received my purchase. I was told that XXXX couldnt do anything and the transaction was paid via XXXX XXXX XXXX, therefore they couldnt do anything. I contacted my bank and disputed the transaction. The representative processed it incorrectly and was told this would take 10 days, not ten business days. I called 2 separate occasions. The last I was told a decision had not been made. This was incorrect, as I was denied due to the first representative incorrectly disputing the charge. I called another time and was told by the PNC representative that I was given incorrect information, and a new dispute was entered, however, due to their error, it would take 5 days and not 10 business days. I asked to speak to a manager, and was given to XXXX because she would have other solutions for me, other than waiting this time. XXXX then came on and stared she had no options for me and that her employee was misinformed. I was called today by another individual whom stated it was 50/50 that I would receive my funds back. This man was rude and hung up on me once he completed his necessary information
Complaint sub-issue: Account status incorrect

My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX Factual Data XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Complaint sub-issue: Received bad information about your loan

I am being billed for a Stafford Loan taken out by someone with my name in XXXX of 1987. The loan servicing agency ( Fedloan Servicing ) told me that the loan was taken out for a student at XXXX XXXX School ( I am not sure of the spelling ). This could not be my loan as I was XXXX at that time and have never attended this institution. I have contacted the agency and they are unwilling to work with me, suggesting that I obtain a police report for something that happened to someone else thirty years ago.
Complaint sub-issue: Problem getting report or credit score

I call Equifax to remove the unloock to run my credit report XXXX I spoke to XXXX the supervisor ( USA ) Nevada Employee Id. XXXX he requested to fax documents XXXX and bill utility I fax 4 times to this numbers XXXX and XXXX and they can dowloaded my paperwork I need to close my loan and each time they are running my credit report charge me {$100.00} what I paid {$400.00} to XXXX VIA XXXX. I CALL EVERY DAY FOR HELP. THEY ARE WORN ME DOWN AND WE DO N'T PAID TAXES IN XXXX and i do n't like to release my S.S. to them.
Complaint sub-issue: Information belongs to someone else

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.
Complaint sub-issue: Account status incorrect

* XX/XX/2019, received letter from XXXX XXXX stating I had been unfairly penalized by the application of XXXX charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from XXXX XXXX. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and XXXX team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called XXXX XXXX went through the same transfer from XXXX to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at XXXX XXXX who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests. 

This company bought my medical information with out my consent which is against HIPPA Law. My Consumer Rights has been violated!
Complaint sub-issue: Investigation took more than 30 days

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Complaint sub-issue: Didn't receive terms that were advertised

US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.

***This is a follow up complaint to a recently closed complaint, since US Bank was disingenuous in their response and provided false information. 

US Bank identifies only {$20.00} in debit card use for the month of XX/XX/XXXX 2018, and they provide a statement with debit card use and posting dates that differ from what is true and shown on my online banking. I will now provide a screen shot of a {$30.00} debit card use made on XX/XX/XXXX towards an XXXX purchase. This screenshot shows I met the requirements for a {$50.00} bonus for {$50.00} in debit purchases made in the month of XX/XX/XXXX. It further shows there was a delay in the posting of said purchases that US Bank is basing their denial of bonus payout on. 

I made US Bank customer services reps aware of these qualifying purchases on several follow up phone calls. 

Their furnishing of a bank statement, to the CFPB, that is misleading in omitting the actual date of my debit card use, and their using this misleading statement to make false statements is indicative of a purposeful attempt to not fulfill the terms and conditions they advertised.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account 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 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
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN WITH XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. 

WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. 

WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. 

I ALERTED XXXX XXXX AND DISCOVER AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. 

AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The following debt is not mine and was reported on XX/XX/XXXX XXXX XXXX  credit bureau. I have advised representatives with IQ Data International not responsible nor live as roommate.

The IQ debt collectors continue contact through harassing communication tactics and although request stop calling continue to call and report falsified information to credit bureaus. Upon my research found this debt has history of unfair practices, discrimination and deceitful practices to later evict the responsible party ( reported XX/XX/XXXX vCFPB compliant ) I am experiencing harassment, repeated calls during work hours telling to call police on person for identity theft, use of deceitful communication/reporting tactics. 

In addition, per research to contact found Creditor-XXXX XXXX, XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX ( attached ) IQ DATA INTERNATIONAL Original creditor : XXXX XXXX MD ( incorrect ) {$11000.00} Balance updated XX/XX/XXXX Account info Account name IQ DATA INTERNATIONAL Account number - ( XXXX ) XXXX Original creditor XXXX  XXXX  MD ( incorrect ) Company sold - Account type Collection Department / Agency / Attorney Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original amount {$10000.00} Paid off 0 % Monthly payment - Past due amount {$11000.00} Terms 1 Month Responsibility Joint Account ( incorrect ) Your statement - Contact info Address PXXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

BACKGROUND INFORMATI XX/XX/XXXX XXXX XXXX XXXX  USA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXXXXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX   {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,
Complaint sub-issue: Information belongs to someone else

When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.
Complaint sub-issue: Information is missing that should be on the report

Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report
Complaint sub-issue: Account terms

I have had my XXXX Credit Card for a very long time. I noticed the Card account and all its positive-payment activity was not being reported on my XXXX Credit Bureau accounts. I have been trying for 12+ months trying to get this issue resolved with XXXX and Equifax ( I started with them ). Attached is the latest volley in which Equifax states that the account is not on my Credit Report ( letter XXXX/XXXX/2016 ) and at the same time XXXX indicates that they ARE reporting to the XXXX credit agencies ( letter dated XXXX/XXXX/16 ). The XXXX parties have cost me a significant amount of lost opportunity by not performing the services they claim to provide ( fraud ). I would like this issue rectified ASAP and it 's great the State has this reporting portal. Nice job.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # 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
Complaint sub-issue: Account information incorrect

i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX  and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran
Complaint sub-issue: Debt resulted from identity theft

I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Problem during payment process

My US Bank Kroger rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from Equifax regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.
Complaint sub-issue: Information belongs to someone else

Signed up for fasfa and I have a open loan of XXXX for XXXX XXXX that I never signed for. I don't know if I am listed as a co signer but I did not agree to have my credit used
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2020 Citi CBNA were called in regards to confirming a Citibank Card from CBNA they submitted to collections but have no record of such account. it was stated that I only have one account. Cictibank don't understand why there are two accounts being reported. The account i have with citibank cbna is in good standings to include automatic payment on a monthly basis. why is there another card on my credit report in collections when I only have one card?
Complaint sub-issue: Public record

bankruptcy public record and some information that is not belong to me
Complaint sub-issue: Information belongs to someone else

FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I attended XXXX University in the fall of 2021. They took away my scholarships and didnt let me know they would not take financial aid. I was supposed to have pell grants and loans but I was not allowed to use either. Now I have XXXX in debt sent to a collections agency and my current school will not let me graduate until I get my official transcript from XXXX university.