Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
How can this account be closed and yet it states that I am still paying on it in the monthly payment section Once an account is closed there should be no monthly payment unless the status says " now paying was charged-off '' 15USC 1692e. False or misleading representations XXXX XXXX XXXX Account Number : XXXX Inaccurate. invalidated account prove it 1. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I XXXX XXXX  XXXX Account Number : XXXX Please remove accounts and DO NOT PERMIT to be re-inserted or reported under another name alias etc. immediately.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX 15 U.S.0 1681 section 602 A. States I have the right to privacy. 15 USC 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 {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 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 {$1000.00} per violation
Complaint sub-issue: Can't close your account

I called the customer service number on my credit card and asked them to cancel my credit card. They said system is unable to do so and they refused to cancel the card. Instead, representative hung up on me.
Complaint sub-issue: Account status incorrect

I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to XXXX XXXX, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from XXXX until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between XXXX and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the XXXX call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to XXXX on the XXXX XXXX while Gap Insurance sent the check on the XXXX. XXXX failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one XXXX rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling XXXX several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because XXXX in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.
Complaint sub-issue: Was not notified of investigation status or results

I sent the letters on XX/XX/2022 and I'm hoping that this issue I'm having would be resolved by now but the company obviously won't act unless I seek help from consumer law experts. There are a lot of inaccuracies and errors in my report so please look into it.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX - Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
Complaint sub-issue: Problem getting your free annual credit report

I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2018 i disputed a collection debt of {$200.00} from ( AR resources INC ), this dispute was sent certified mail, as per federal law the collection company can not report any derogatory INFORMATION TO ANY CREDIT BUREAU UNTIL ALL DISPUTES ARE EXHAUSTED, and disputed within the first 30 days of receiving the collection notice. i received the notice on XX/XX/2018, dispute was sent before the 30 days. 

on XX/XX/2018 they sent a letter showing a {$00.00} balance invoice contradicting the claim of $ XXXX XX/XX/2018 i disputed the debt again and never received a reply back. on XX/XX/2018 i received a credit alert notice that ( AR RESOURCES INC. ) REPORTED THE COLLECTION TO ALL 3 CREDIT BUREAUS. 
THEY VIOLATED THE DISPUTE PROCESS AND HAVE CAUSED ENORMOUS DAMAGE TO MY CREDIT FILE. 

THIS COMPANY IS COMMITTING CONSUMER FRAUD, AND VIOLATION THE FARE CREDIT ACT RIGHT TO DISPUTE A COLLECTION PRIOR OF IT BEING REPORTED TO ANY CREDIT BUREAU
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I received phone calls about an outstanding debt form this company. XXXX XXXX XXXX. The same rep. continuously calls my work phone number which I informed them from the beginning they can not call. I can not receive calls on this line. I made two payments to this collector and asked NUMEROUS times for a written letter to my home which i have not gotten. They sent me an email with a XXXX  address and the company XXXX  XXXX who's processing the payments is not XXXX  accredited. I told them without a written letter to my home i will no longer make payments. I have emailed them 3x asking them to stop calling my work number and they are still doing this. The number that's calling me is XXXX. The gentleman is very rude and threatening.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted my name change information to Equifax now three times. Both disputes I filed on XX/XX/XXXX & XX/XX/XXXX have been " completed '' by EFX stating my name change has DONE AS REQUESTED. Neither of these were done. Both times they changed/kept my name to XXXX XXXX which is my old name and the name I have been trying to change. My new legal name is XXXX XXXX XXXX which I have provided, my court documents, passport and drivers license showing the change. This is now preventing me from purchasing my new home on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

PNC Bank is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, PNC applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though PNC is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, XXXX and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration. It's like as if PNC does not care that they made a mistake and are not willing to work with me, even though they recognize that it is a mistake on their end.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 I received a copy of my " Equifax '' credit report in the U.S. mail. Yet on it was a " False '' debt notation under the " Credit Management '' section of " Page 5 of 36 '' that incorrectly stated that I owed " $ XXXX '' to some unnamed " Cable/Cellular '' company effective " XX/XX/2020. '' I have NEVER owned a " Cable '' T.V. NOR owned a " Cellular '' ( cell ) phone.

This " Debt '' is NOT mine!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXXXXXX 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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
Complaint sub-issue: Account information incorrect

The account for XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.
Complaint sub-issue: Don't agree with fees charged

I 've been faithfully paying to Genesis lending since I was enrolled in school, monthly. I made sure my payments were always on time so my credit would n't go down. I then found out that the school I attended was closing, and my private loan was being sold to another company. Even though I 've still been making payments, there is no history of my previous ones to Genesis Lending, nor has it been reported to credit bureaus about on time payments. I do n't understand why I still need to make payments if this was a scam and the school forced this loan on me.
Complaint sub-issue: Personal information

There is an address on my equifax credit report where I have NEVER lived. 
How can I find out why this address is on my report?? 
It is a XXXX Illinois address and I have NEVER lived in XXXX Illinos or Illinois. 
Hope to hear something soon??? 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. 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 site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX   XXXX  XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
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 : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Collection Account Account Number : 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.
Complaint sub-issue: Don't agree with the fees charged

I renewed by XXXX in XXXX of 2018. Against my wishes and application, my loan servicing company ( Great Lakes ) placed me into PAYE. This caused me to acquired increased interest as none of the interest is subsidized. They have since rectified placing me into the wrong IBR plan, but the will not rectify the additional interest that accrued during this time. Additionally, now the interest has capitalized into my principal, which will cost me thousands by the time I am done with repayment. 

The first individual I spoke with at Great Lakes assured me that this was an error on their end, and it was no fault of my own. This seems to no longer be their story. 

The short detail of this is that my interest shouldn't have capitalized due to their mistake, and there is more interest than there should be, had they placed me into the repayment program I desired ( REPAYE ).
Complaint sub-issue: Account status

XXXX has recently changed an account on my credit report from a closed status to and open status, this account has been closed and was assigned to a collection agency by the name of XXXX I finally have had my credit report free of this collection and account now its reflecting as an open collection account and should be removed.
Complaint sub-issue: Received bad information about your loan

RE:XXXX Letter apology sent by Citibank on XXXX/XXXX/2017 admitting a mistake and that say account will be deleted, but it still showing as deferred on my credit report as of XXXX/XXXX/2017.
Complaint sub-issue: Other problem

Citi has refused to issue a refund check for the overpaid balancing. Their reason is it is under " security investigation '' Truth in lending actregulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
Complaint sub-issue: Deposits and withdrawals

Discover processed a XXXX from the State of California without notifying me. They claim that they sent al latter on XX/XX/XXXX or XX/XX/XXXX but the letter was XXXX received. I contacted them on XX/XX/XXXX to ask about an official check that had been issued in the amount of {$520.00} and that when I found out about the levy.
Complaint sub-issue: Account information incorrect

I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

During the last 3 weeks, ive had the XXXXXXXX XXXX XXXX XXXX store in XXXX illinois make unauthorized charges to my payroll card, and XXXX has refused to reverse the charges. 

They have on 3 seperate occasions " XXXX out '' my account, the first time taking XXXX. And change, the second time XXXX, and the third time {$1.00} The payroll company wont refund the amounts, and XXXX is simply charging my card, even though ive never given them any authority to take money, without my SPECIFIC PERMISSIOXXXX. 

I have paid on my account at XXXX with this account in the past, however they took it upon themselves to take my debit card number, store it, and then choose to take every cent that was on the card at their convience, when i didnt call them to pay.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.
Complaint sub-issue: Information belongs to someone else

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was a victim of an fraud inquiry issue relating to companies pulling my XXXX report without my consent. The following companies are listed under hard inquires on XXXX that need to be removed/deleted : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX