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

My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!
Complaint sub-issue: Problem with fees

I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.
Complaint sub-issue: Their investigation did not fix an error on your report

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under XXXX $ will not reported I am so tired of my consumer rights being violated please see attached proof
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am the cosigner to my son 's student loan and I would like removed from this loan. Also, it is an adjustable rate loan and it keeps going up and up. Help.
Complaint sub-issue: Was not notified of investigation status or results

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive no response because clearly you all are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove of those items from my credit report. It has been 60 days so they should be deleted promptly. In addition, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Debt was paid

Was contacted by a lawyer representing an apartment leasing company that I had rented from XXXX XXXX to XX/XX/XXXX. They are attempting to collect {$870.00} for XXXX XXXX rent even though I had vacated the property at the end term of the lease. They have threaten to now ruin my credit by not paying them for rent I do not owe them.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

ON MY CREDIT REPORT THERE ARE FEW FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DON'T BELONG TO ME. THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.
Complaint sub-issue: Debt is not yours

A company called FM Capital and a XXXX XXXX called me saying I had a bad check written out of state under my name and social, which I do not. She threatened legal action and said she had not heard from me after repeated attempts. I've never heard from this person before and I have definitely not received any notices in the mail about a collections item. She called from XXXX. Worse, this person left the same message with third-parties, including relatives. This made me look horrible. I also know this to be illegal. They asked me to call her back at XXXX. She also said she was representing someone named " XXXX XXXX. '' I don't even know a XXXX XXXX.
Complaint sub-issue: Public record

XXXX XXXX Mortgage Company claimed I was late on a payment XXXX XXXX, 2014 while in was in an active Chapter XXXX Bankruptcy. This should not have been reported then while I was protected. Please remove.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters to Equifax credit bureau disputing this Account with ( XXXX XXXX ) as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) Equifax has failed to present me with proper documents that show their method of verification. Equifax has also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. XXXX & XXXX DELETED THIS ACCOUNT FROM MY CREDIT REPORT FOR REPORTING INACCURATE, UNVERIFIABLE INFORMATION. THIS ACCOUNT NUMBER was ALSO INCOMPLETELY REPORTING FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All were reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Complaint sub-issue: Account status incorrect

I purchased a vehicle in XXXX of 2018 and acquired a loan through BB & T. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to BB & T. 

My credit report now shows that I have two open vehicle loan accounts with BB & T : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.
Complaint sub-issue: Problem with personal statement of dispute

Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX criminals!!
Complaint sub-issue: Was not notified of investigation status or results

Please see this date and accounts that are in inaccuracies : 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

Conns have been calling my number minimum 7 times per day. I have told them in the past 2 calls are fine but this is excessive. I feel I am being harassed and pressured.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. someone has attempted to get credit in my name. Someone attempted to get accounts in my name. I pulled my credit report and saw inquiries that I did not authorize in my name. I have reported the problems with XXXX, Equifax and XXXX and the problems has not been resolved. It has been well over 60 days and i have not received and results or explinations. Could someone please help me with this issue. Thanks in advance.
Complaint sub-issue: Account information incorrect

XXXX XXXX  XXXX XXXX  XXXX XXXX  ( CLOSED ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX SHOWS 30 PAST DUE. 
XX/XX/XXXX PLEASE REMOVE THIS ERROR XXXX XXXX XXXX XXXX DOB XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Unexpected increase in interest rate

I have been asking for a lower rate and they keep saying we review every 6 mo. Well its been more than that and I still cant get them to lower my rate. I have been a customer since XXXX. My owed amount is very near my limit and the high interest rate is making it impossible to pay anything towards the amount owes. All the payment does is cover the interest.
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 USC 1681. And they violated my rights under numerous times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Complaint sub-issue: Deposits and withdrawals

Trying to receive money from my account but won't let me
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank offered a deposit bonus of {$400.00} if certain requirements were met. All requirements were met ( verified by local branch representative ). Citi failed to timely pay the bonus and continues not to pay. When I call in to investigate I am not allowed to speak to department that makes decision. Branch representative has attempted to contact said department. They do not answer her emails. They continue to send me lettesr " ... failure to make required deposits within the required period ... '' This is not true and has been branch verified that required deposits made on time. 
Numerous other similar complaints are evident online.
Complaint sub-issue: Reporting company used your report improperly

lam 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 written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX I XXXX
Complaint sub-issue: Account status incorrect

This Citibank account charged off back in 2016. 
Although it was charged off, a balance still reported AND there were negative/late payments reporting every month. This is against the FCRA amongst several other FCRA violations including incorrect status of account and inaccuracies across the credit bureaus. This account should be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

Equifax got hacked, my information is now available.
Complaint sub-issue: Trouble with how payments are handled

I have been making over payments for many months. I receive conflicting information about how these payments will be handled. At this time, a very small amount is being directed towards principal, in spite of my large over payment. I was told the system was n't recognizing the over payment because I was paying split payments every two weeks. Additionally, in XXXX my account was placed on forbearance without my knowledge or consent. When I requested the forbearance be removed, I was told it would be, but it never happened. I was told my payment would be auto-debited but it never happened. I called again and was told my payment was processing, but one week later, no payment was ever taken, and when I called, I was told it was because of my forbearance ( that should have been removed 4 weeks prior ). When I called again, I was told not to worry because it was a " courtesy forbearance '' and no capitalized interest would accumulate. Nevertheless, the life of my loan has now increased without my consent. Additionally, now I will continue to be " making up '' interest payments instead of paying principal, even though I have been consistently making overpayments. I do not trust this company. I feel my loan has been handled in an unethical manner and that I am being taken advantage of on a routine basis. Additionally, customer service representatives seem, for the most part, to be completely unknowledgeable about what is happening to my account, or they outright lie, I can not be sure which is correct.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXXXXXX XXXX XXXX XXXXXXXX XXXX they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

inaccurate information showing on credit reports
Complaint sub-issue: Their investigation did not fix an error on your report

On several occassions I have contacted XXXX to verify and VALIDATE the allegied bankruptcy that is being reported on my credit profile. They always come back saying it has been verified but never validated!. I have a letter from the bankruptcy courts saying they do not give out that information so inorder for them to be reporting CORRECTLY per FCRA REQUIREMENTS that in fact XXXX XXXX XXXX is the one thats showing as whom is reporting it and they ARE NOT. XXXX XXXX lies and to catch them in a lie I contacted on XX/XX/17 LexisNexis and they tell me they get their information from XXXX but yet XXXX states they get it from LexisNexis. They are caught in a lie and they are NOT upholding the FCRA REQUIREMENTS.
Complaint sub-issue: Problem getting report or credit score

I have had nothing but denials from Eqifax , Inc. attempting to dispute credit information on their dispute website. Each time I try to identify myself, on their automated system, it will ask ridiculous questions regarding credit information. I answer the questions correctly. Each time it indicates it can not " identify me ''. Here is an excerpt from their page. 
" Great! We 've found your fileNow we just need to verify you are accessing your own file. The following questions are based on information on your file, and only you should know the answers to them. 
1. Your credit file indicates you may have an auto loan/lease, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX OF THE ABOVE2. What is the total monthly payment for the above-referenced account? 
{$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - {$940.00} {$950.00} - $ XXXXNONE OF THE ABOVE3. Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ), opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX OF THE ABOVE4. What is the total monthly payment for the above-referenced account? 
{$750.00} - {$790.00} {$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - $ XXXXNONE OF THE ABOVE '' I answer all of the questions correctly. I have gone through this process XXXX separate times. 
Each time I get the following message : '' The information you provided does not match our records so we are unable to process your request online. " " Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " Equifax HAS this information ON FILE. This was completed several months ago. It was explained to me it would never happen again. They admitted they had transposed my social security number. Equifax should be held accountable for their egregious business practices. Any assistance with this matter would be greatly appreciated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and found that someone had been applying for something in my name. I have already notifi ed the creditbureaus regarding a fraud alert. These are the two inquiries that I located that are unverifi ed and unauthorized : 1. XXXX  Date of Inquiry:XXXX XXXX. XXXX Date of Inquiry : XXXX
Complaint sub-issue: Debt is not mine

I am the step-mother of the " so-called '' debtor. They are claiming my son took out an online payday loan and used a Citibank check as collateral. My son has never had a bank account with Citibank nor has he done an online payday loan. They call my personal cell phone number to get to him. They also call him. We have asked for original documentation of said loan and they will not provide it. 

I was told me she was going to call me everyday until my son settled this loan that he did not take. They have his address listed as somewhere he has never lived. The middle initial is wrong and the year of birth is wrong, but they will not listen to us when we point these things out.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed all 14 derogatory marks on my credit report to Fed Loan and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our Credit Reporting Systems.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXXXXXX XXXX - Account # XXXX and XXXX. 
I have all the paper works since I started to disputed this account. 
Unauthorized charges. And I place a fraud alert on my credit report and freeze. 
I did settle my account because is under my name and they said its my obligation to pay for it.. Even you dispute the transactions to them since last year. since I found out that my bank account is getting lower my balance so I call my bank XXXX XXXXXXXXXXXX XXXX and they said they will do the investigation and I submit to XXXX XXXXXXXX XXXX the evidence still they don't do anything on my credit report till now ... 
XXXX XXXXXXXX XXXX promise me to pay off then they will removed right away on my credit report.. 
But till now still there ... 
Please help me for this situation..I 'm stressing out already I paid already even those not my charges..fraud.. 
u can email me if you any more questions. 
I send all the documents that I have ... 
Thank you so much..
Complaint sub-issue: Information belongs to someone else

There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX