Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fraudulent loan

On XX/XX/2019 I purchased a XXXX XXXX from XXXX XXXX of XXXX XXXX in Georgia. I walked in with a pre-approval from my own personal bank XXXX XXXX XXXX XXXX. I also traded in a car that was paid off that same day with them. I gave the financer at the dealership permission to RUN my credit to see if he could beat my APR rate of 6.29 % from XXXX XXXX with the financing he offered but he could not with a APR of 7.29 % so I told him to just go ahead and use XXXX XXXX XXXX.   The Financer had financed me through PNC without my knowledge and continuously gave me the run around from the beginning about me being financed through XXXX XXXX. I have continuously called, left voicemails, and taken off of work to get this issue resolved with XXXX XXXX before my XXXX XXXX offer expired on the XX/XX/XXXX, and I have yet to receive response. I now am financed through PNC Bank with a higher APR than what I originally got from XXXX XXXX and I believe that I now have a hard hit on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number 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: You told them to stop contacting you, but they keep trying

Earlier in the year I had made a verbal request to the company ( Hunter Warfield ) to cease calling me. On XX/XX/2021 the company called me twice back to back ( from phone number XXXX ). Once at XXXX and then again at XXXX XXXX  eastern time zone. I called the company back at XXXX and requested that they stopped calling me. A male answered the phone and proceeded to ask me questions. I advised the representative that I just wanted them to stop calling my phone number and the representative rudely disconnected the call without honoring my request. On XX/XX/2021 at XXXX eastern, I received another phone call.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting inaccurate information on my credit report. I received a letter from equifax stating that XXXX XXXX XXXX   account # XXXX is reporting never late never repossessed. Well I checked my credit report and they are reporting late payments and the remarks says redeemed repossession. This information is incorrect and equifax is in violation of the FCRA federal law. This account is an installment loan equifax is reporting the account as a credit card account that is inaccurate and proves they have not verified this account, they are also reporting that I owe {$15000.00} the correct amount is {$14000.00} and the account is reporting as closed when its an open active car loan! If this issue isnt resolved and updated I will file a lawsuit against equifax for illegally reporting inaccurate information!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

No permission was given to any consumer reporting agency to report any consumer information which is a violation of my consumer rights.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

EQUIFAX has made it very difficult to submit any documentation and has even acknowledged that documentation they have received was exactly what they asked for, they still will not remove my unauthorized inquiries. I have 14 inquiries listed on my consumer file. This is inaccurate information.
Complaint sub-issue: Reinserted previously deleted info

Previously I requested Equifax remove the fraud alert and file blocked for promotional purposes from my credit file. On XXXX XXXX Equifax sent me confirmation XXXX that this was removed. Since that date I have not asked Equifax to add the fraud alert or promotional blocking to my credit file again. Yet on XXXX XXXX, 2015 Equifax mails a letter saying they 've placed the alert on my file as requested. I DID NOT REQUEST THIS AGAIN. Equifax made this choice on their own without a signed request from me. This fraud alert is affecting my recent applications with XXXX for a car loan now.
Complaint sub-issue: Account status incorrect

I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX Mastercard that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX Mastercard, was closed. 

XX/XX/XXXX - Asked XXXX Mastercard to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused
Complaint sub-issue: Frequent or repeated calls

I want XXXX XXXX XXXX XXXX firm ( claim to represent Discover Bank ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
XXXX XXXX XXXX Debt Buyer/Collection Agency/Law Firm ( not the original owner ( Discover Bank sold the debt to XXXX XXXX XXXX ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the Discover Card charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 Reports : ( Late/Closed : DEPTEDXXXX XXXX Balance {$0.00} ) Collection : US DEPT ED XXXX XXXX {$310.00} ) XXXX XXXX Balance {$120.00} )
Complaint sub-issue: Account status incorrect

XXXX XXXX  account XXXX is reporting as paid and closed. Account was recently updated, and is now reporting negatively which caused a XXXX point decrease in my credit score with Equifax.
Complaint sub-issue: Account information incorrect

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Complaint sub-issue: Investigation took more than 30 days

I have been requesting, since XX/XX/2021, verification of these alleged debts that Equifax and XXXX  keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, XXXX written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Account information incorrect

It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments ''  (  late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.
Complaint sub-issue: Inadequate help over the phone

I received an alert from equifax that my home address had changed to XXXX XXXX XXXX XXXX XXXX Florida XXXX had changed to XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

I said that XXXX XXXX " XXXX XXXX '' does not exist and that I did not authorize it. I was told I 'd have to fax my drivers license XXXX utility bills, a copy of my ss # card. 
I asked to speak to a supervisor and spoke to a supervisor " XXXX '', who said if I did not like my service I could cancel it. Well, three seconds after my call I received an email that my membership was due to cancel on XXXX/XXXX/2015
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

USPS XXXX XXXX fee was suppose to be {$73.00} ( USPS letter sent verification ) on automatic payment.in XX/XX/2022. Instead {$91.00} was charged and I disputed {$18.00} of the {$91.00} charge and paid the {$73.00} on my Citi bank credit card bill in XX/XX/2022. The {$18.00} dispute was rejected by Citi bank and instead of the {$18.00} dollar dispute charge being reversed on my XX/XX/2022 Citi bank bill.. Citi bank charged me again for {$73.00}. which I had already paid on XXXXXXXX XXXX XXXX  statement. 
I notified Citi Bank on a chat line and was rebuffed and told they did not have access to the information. I wrote Citi Bank credit services and there has been no acknowledgement.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX 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 a account without my written instructions
Complaint sub-issue: Changes in terms mid-deal or after closing

I am a XXXX-year-old widowed senior citizen who has been racially discriminated and scammed by XXXX XXXX. In the presence of my son who is my durable power of attorney was there to witness all of it, it started with the dealer demanding that I give them a {$500.00} deposit for the vehicle when I was already approved to purchase it by XXXX XXXX XXXX also including numerous unauthorized pulls of my credit report numerous times causing an extreme hit to my credit score. They also decided to use a lender of their own without my knowledge or approval. I took delivery of the car onto XX/XX/2019 in which the car m possession for approximately two weeks when all of a sudden I started receiving threatening phone calls from the dealership demanding I return the vehicle immediately or they were going to call the police on a XXXX-year-old woman and have me arrested for theft of a vehicle that I was already approved to purchase by XXXX XXXX XXXX on XX/XX/2019. Per the finance company they use, I did not qualify for the purchase of the vehicle due to the fact that when they called me for more of my personal information. I dont talk to anyone or give out any personal information or make any financial decisions without my son who is my durable power of attorney. I had already given the information at the dealership I advise them that my son has my durable power of attorney and in order for me to discuss personal information over the phone I had to have him present being that as I said before I am a XXXX-year-old widowed senior citizen who does not make any financial decisions without him because of such I was told because of this fact the lending company would not be able to finance me after having possession of the vehicle for over two weeks. I have called and I have made a corporate complaint with XXXX XXXX. I have tried to make contact with the dealership. Ive left several messages and they refused to return my phone calls. I feel that I was Taken for {$500.00} plus my credit ruined by XXXX XXXX. I was forced to buy another car and give another {$500.00} deposit at a subprime rate after losing my money and the car that I initially wanted and was approved to purchase.
Complaint sub-issue: Their investigation did not fix an error on your report

I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 I discovered a XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX  and told them this account was not mine and that they should close it asap. 

The account has a XXXX balance and they refuse to remove this account from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a complaint because fraud inquires and an account was being reported on my credit report. The information included on the report has not been deleted. Please delete the inquiry for XXXX XXXX, XXXX XXXX & this XXXX XXXX.
Complaint sub-issue: Debt was paid

I am submitting this complaint because I am being affected by ENHANCED RECOVERY COMPANY LLC ( ERC ). This company was not present during this transaction that they are referring to which is a violation, They are telling me I owe an alleged " debt '' which is a violation of 15 usc 1692b. They NEVER had my permission to contact me pursuant to 1692c they do not have my prior consent which is a violation. This company has been harassing me and reporting wrong information to the credit bureaus WITHOUT MY CONSENT which is a violation. As a federally protected consumer i NEVER gave any written consent to report this information ( 15 Usc 1681b ( a ) ). I sent out more than one letter which was NOTARIZED for them to validate this alleged debt and I haven't heard anything back. Also I sent out a copyright infringement notice that was notarized and stamped by the Secretary of State warning them to stop using my name and information without my consent.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.
Complaint sub-issue: Problem lowering your monthly payments

For the last 24 months I have inquired with American Education Services ( AES ) in regards to lowering my monthly payment, applying for temporary hardship, as well as modifying my repayment plan. Prior to 24 months, my monthly payment was {$370.00} per month. This was manageable as I am a XXXX XXXX XXXX  Over the course of the past two years my loan payment has increased to {$480.00}, {$570.00} and now is {$890.00} per month. I have requested a temporary forebarnce as I am a full time XXXX student, and have been denied. I have missed payments and have requested assitance, and have been denied. AES has sent my account to collections in which payments collected were not applied to all of my loans in which six of my loans are now in default. AES collection agencies are aggressive and intimidating. I have continued to manage paying my monthly installment even if it is past due with little success. There is no support or assistance available to debtors from AES or its associates.
Complaint sub-issue: Their investigation did not fix an error on your report

There are inaccurate accounts, addresses, and names listed on my credit report.
Complaint sub-issue: Account information incorrect

I never made a late payment on this account, please correct
Complaint sub-issue: Banking errors

I opened new checking and saving accounts with Citibnak sometime last year in XXXX using new account promotion bonus, I met all the requirements and earned {$500.00} bonus ( new account opening promotion ) sometime in month of XX/XX/2020 they credit this amount into my account directly, and as I was told that I should receive 1099 for this promotion bonus. 

But unfortunately they never issued/send me 1099 and when I tried to call them and ask for this first of all they are telling me ohh because I did not earn $ XXXX interest and so no 1099 was issue and blablabla ... but this promotion bonus should trigger and required by legal to have them generate 1099 and send me and IRS . 

Can you guys please help me into resolve this with CitiBank? I should get a 1099 for this as well as they should pay me the cost of my tax return amendment as well. 

( I was just realized that as my husband also was in similar boat and he just received his 1099-MISC yesterday only from Citi with a letter said due to some error they did not issued the 1099 for the promotion bonus and so they are issuing now which is passed the deadline and so as it requires a tax return amendment and so they will send a check of {$180.00} to cover this tax return amendment cost )
Complaint sub-issue: Information belongs to someone else

this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter
Complaint sub-issue: Deposits and withdrawals

I opened an savings account with credit karma. On XX/XX/XXXX I transferred XXXX dollars then again on XX/XX/XXXX I deposited XXXX dollars then another XXXX dollars. The money came out of my main account and the balance also reflected on my savings account, but when I went to withdraw money it told me that I could only withdraw XXXX  cents. I contacted credit karma through online chat because they dont have a phone number for customer service and they told me I need to contact my bank for help.
Complaint sub-issue: Reporting company used your report improperly

Like millions of others, Equifax 's sub-standard security measures and baffling technical incompetence ( eg, not subdomaining their " check status '' website, different certs, plain-text unencrypted data ... ) caused my information to potentially be leaked to unknown parties. 

The solution they offered was to monitor my credit -- - though, given their track record, it 's not surprising that this should be unsettling.