Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Aqua Finance has placed a lien on my property for a XXXX XXXX. This has been reported to CFPB before and was removed from my Credit report after filing a police report. The information in the contract that Aqua Finance provided me after finding out a lien was on my home at XXXX XXXX XXXX XXXX XXXX TX XXXX is incorrect. The contract states individual account and it list false information. XXXX XXXX XXXX is incorrect and it states he's retired military which is also incorrect because XXXX XXXX XXXX has never served in the military and received XXXX benefits. XXXX XXXX has me listed as an XXXX with 18 years of service. I'm in the XXXX XXXX and was recently promoted to XXXX in XX/XX/2020 and my time in service will be 18 years in XXXX. I have filed a complaint against this company before and it was remove from our credit report only to find out later that they have place a lien on my home. We never signed a contract and the signature on the contract doesn't belong to XXXX XXXX or XXXX XXXX XXXX.
Complaint sub-issue: Not disclosed as an attempt to collect

In XXXX 2015 we left our apartment in XXXX as our lease has ended. Before our last day the property management requested for a new mailing address in case they needed to contact us so I provided our new home/mailing address in XXXX, MD. Months have passed and I received a refund check from the apartment amounting to {$20.00}. In XXXX 2015, my nephew, who was also on the lease, found out that there was a derogatory report from XXXX XXXX amounting to over {$500.00}, I checked my credit report and I had it too, my friend, who was on the lease, had it too. We found out that it was from XXXX XXXX Apartment. I immediately contacted the apartment to inquire about this debt and asked them why would I receive a refund if we owe money to them. They could n't give me a clear answer and i was told that they would just notify us after they found out what was going on. We waited for 2 weeks and we didnt hear from them. On XXXX XXXX i contacted them again to follow up. They told me that we owe money for cleaning fee, unpaid untility bills etc. But i asked them why they never informed us regarding this debt, their answer was they sent the statement in XXXX but never heard from us. I told them that I never received anything and I wanted to see their mailing receipt but according to them they sent it via regular USPS mail so there was no receipt. I asked them again why they did n't try to contact me via email or phone before sending it to collection but they didnt say anything. It looks like they didnt exert effort to reach any of us before deciding to turn the debt over to the collection ruining our credit. 
We never received any letter from the collection company too! The property manager sent me an email telling me that they will contact the collection to hold the debt and remove it from our credit for 30 days and we have to pay the debt within that period of time or the adverse report will be back on our credit. We are not running away from the unpaid bills ( if any ), our main concern is the derogatory report that they made and prevented us from making loans, apply for credit cards, etc. for 5 months without our knowledge. We believe that this is not a fair practice of credit reporting and we strongly believe that the people who mismanaged this issue deserve disciplinary action.
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.
Complaint sub-issue: Can't get flexible payment options

My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default. 

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.
Complaint sub-issue: Investigation took more than 30 days

THIS IS THE 3 TIME I HAVE HAD TO FILE OVER THIS ISSUE. NOT SURE WHAT THE PROBLEM IS WITH ME FILING A COMPLAINT. DONE MY OWN MOTION HERE ON THE CFPB.GOV. 
I am having an issue with someone using my information for unknown accounts and addresses. I am demanding are investigation on my credit file and I would like the following addresses and accounts 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, US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION/XXXX # XXXX I HAVE ALREADY SENT A COMPLIANT ABOUT SOME fraudulent addresses still appear on my credit file. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Confusing or misleading advertising about the credit card

XX/XX/2022 for my graduation I was buying shoes from macys when the man at the counter told me I was getting a gift card from the store that I could use to pay for the shoes. I put it my information. A few months later, I realize it was actually a credit card as now I am getting calls from a collection agency??? My credit is shot as I am applying to law schools, I can not even buy my own apartment because of this.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX Military '' has not been removed off my Equifax Credit Report.!
Complaint sub-issue: Account information incorrect

The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XXXX XXXX2019.
Complaint sub-issue: Problem getting your free annual credit report

all credit reports XXXX XXXX XXXX equafax I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/XXXX Credit collections Bureau XXXX. XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : I am in receipt of your letter dated XX/XX/XXXX Please be advised, I am a Member of A  Protected Class, because of my physical XXXX and the XXXX XXXX brought on by my on-going XXXX XXXX treatments. Therefore, my preferred method of communication now is via fax because it gives me time to look over documents with right understanding and get the necessary documents together as covered in sections III-4.2000 Reasonable modifications, and III-4.2100 General. A public accommodation must reasonably modify its policies, practices, or procedures to avoid discrimination As per your letter Section E : I am forwarding my financial sheet and letter of debt from the I.R.S., and am in the process of pursing remediation against XXXX XXXX XXXX XXXX ( XXXX ) in Federal court, which has jurisdiction over this matter. Please see attached letter dated XX/XX/XXXX to XXXX. 

The letters dated XX/XX/XXXX to the U.S. Department of Justice, U.S. Attorney Generals office and XX/XX/XXXXto The White House were turned over to the U.S. Department of Health and Human Services,  because XXXX XXXX XXXX XXXX wrote off all of my medical expenses billed within their company in XX/XX/XXXX. 

However, I am willing to pay {$25.00} a month now, and apply the {$79.00} being applied to past medical bills XXXX which Im still not sure I should have paid due to the circumstances these bills are accruing XXXX as of this letter, set to expire in XX/XX/XXXX for a total of {$100.00} beginning in XX/XX/XXXX. 

NOTE : Because all of my medical bills are a result of medical malpractice beginning in XX/XX/XXXX and on-going and I am seeking remediation from XXXX  which falls under the jurisdiction of Federal laws at this time I am pondering contacting the Consumer Financial Protection Bureau ( CFPB ) for assistance ( if necessary ) that they may help negotiate this reasonable monthly payment which is all I can afford.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX  XXXX  XXXX  XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. US SM BUS ADMIN ODA XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX  XXXX  XXXX, XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX  XX/XX/XXXX 17. XXXX  XXXX  XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I am stating these are not my items and I had nothing to do with these accounts.
Complaint sub-issue: Problem with personal statement of dispute

Equifax mishandled my personal information, including SSN, in the recent data breach, which puts me and others at risk. I 'm listed as one of the potential victims according to the equifaxsecurity2017.com website, and I 'd like a resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.
Complaint sub-issue: Debt is not yours

On XX/XX/20 at XXXX p.m. I was called by someone asking for a XXXX XXXX. I told them that this was not that parties number. The person advised me the call was being recorded. She said she would not remove my number unless I confirmed or denied if I was XXXX XXXX. I asked if they were a debt collector and they would not tell me. I have never co-signed or otherwise had any debt with a XXXX XXXX. The fact she refused to remove my number is illegal in it's own right. So at XXXX I called back and spoke with a XXXX. I asked him who he worked for and he said Unifin. Unifin is a debt collector and this is another clear violation. They were using a spoofed number of XXXX, however once he gave me the name of his company I figured the rest out. I did record the call as well, but can't attach it for some reason.
Complaint sub-issue: Debt is not yours

I filed a dispute on the credit bureaus regarding XXXX XXXX XXXX XXXX stating this is NOT my bill. I have been with XXXX XXXX for years. But the debt is still on my account as a collection. Please help to get this removed!
Complaint sub-issue: Can't close your account

Us bank started the process of closing my account back in XXXX to this day my account is still in the process of being closed and there is a hold on my account. They say it is because a dispute that I filed that still opened so on XX/XX/2019 I canceled the dispute I was told it would take three days to actually close I called back is still open this was a dispute for {$22.00} I contacted the merchant again on XX/XX/2019 they were able to issue me a refund call the bank back they still have not lifted the hold on my account and I keep asking why and everybody just transfers me to somebody else nobody has given me a direct answer on to why my account is not closed they are holding my funds I have XXXX in my account that I have no access to and the dispute was filed XX/XX/2019
Complaint sub-issue: Investigation took more than 30 days

I am very disappointed with Equifax it has been over 45 days and I haven't received results nor a response for a fraudulent account they are reporting on my behalf and this is hurting my report significantly therefore this account needs to be deleted immediately. This is not fair at all because it is greatly affecting my credit report due to these inaccuracies on my credit report.
Complaint sub-issue: Termination fees or other problem when ending the lease early

I spoke with someone named XXXX XXXX today, who advised me that the early lease termination documentation was never processed by Tesla. I completed the early termination process online, provided photos, and scheduled my turn-in date for XXXX. On XXXX, I brought the vehicle to your XXXX, CA location and turned it in per Tesla 's online lease return process. I also processed the release of liability with the DMV. Per the quote I uploaded, I do not owe anything to Tesla for the early termination of my lease. 

Unfortunately, XXXX informed me that I am still registered to this car and am being charged for it. Someone at Tesla also plugged the car into a supercharger and I was billed {$20.00} on XX/XX/12, though I no longer am obligated to this vehicle. 

I've emailed Tesla multiple times regarding this matter at XXXX, XXXX, and XXXX, but nobody has responded. Tesla needs to process the lease termination immediately and back date it to XXXX when I returned the car and refund the {$20.00} they charged me for supercharging while the vehicle sat at their dealership.
Complaint sub-issue: Funds not received from closed account

I need complaint ID # XXXX reopened as you closed the case and the bank 's solution did not resolve the issue. XXXX XXXX Customer Service has informed me that the form KeyBank told me to have them fill out can not be filled out by them so the check can not be cancelled ( email pdf attached ). This includes XXXX 's timeline of KeyBank 's incompetence, negligence, and malfeasance. My $ XXXX is still just gone. My next step will be to contact and attorney and seek punitive damages at this point as, due to the ongoing stress in part caused by this issue, I underwent an emergency MRI on XX/XX/2022 to check for XXXX XXXX regrowth due to contralateral weakness in my left side that persists. The cause remains unknown but may be due to my XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Last summer my wife and I purchased airline tickets through XXXX. Our two ticket invoice totaled {$810.00}, and we were provided an itinerary number for the flight. When our mastercard statement appeared the next month, there were two charges and three refunds from XXXX listed on our account. The two charges were for {$3200.00} & {$800.00}. Then there were three refunds for {$410.00}, {$330.00}, and {$330.00}. Two itinerary numbers were listed for these five transactions, and neither were our itinerary numbers listed on our purchase. 

I reached out to XXXX, and they stated the two itinerary numbers listed on the card purchase were not in their system, and suggested I reach out to Mastercard to get this taken care of. 

After reaching out to Mastercard, they initially went through the Dispute process. A month or so later, I received a letter saying my claim did not fit the dispute process. When I called back to Cardmember Services, the claim rep stated I should go through the Fraud process. A fraud claim was initialized at that time. Charges were removed, and after a month or so, put back on my card claiming the fraud charge was not accepted. 

I now have 10-15 emails from XXXX stating the itinerary numbers are not something on their system, so they can not issue a refund. Cardmember Services has closed my fraud case stating that they are unable to process the fraud charge, even though XXXX says they have no record of those charges. 

In the meantime, I now have been overcharged {$2100.00}! Neither company is willing to help through the process and has turned into a constant, " don't look at us, you need to go to them ''. I have no issue paying for the {$810.00} flight that my family took last summer, but being overcharged {$2100.00} is just plain robbery. I have been bounced between a dozen customer service reps between XXXX and Cardmember Services, and have more or less been cast to the side.
Complaint sub-issue: Other problem

Citi is trying to force and shape how individual businesses sell products to customers.

No one wants financial institutions deciding which legal products you may purchase.

Citi has no place determining who and what legal items can be purchased by legal citizens. Citi is a corporation who was helped by the people of the United States, they have no business telling its citizens in what fashion they can use credit to make legal purchases. Our government has systems in place to determine what is legal and what isn't, Citi is not a governing body.

I am currently working to divert all personal business away from Citi and to other credit corporations.
Complaint sub-issue: Other problem getting your report or credit score

I have tried for months to get my credit report from Equifax and XXXX. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

15 USC 1681 SECTION 602 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 OR PERMISSION.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Complaint sub-issue: Information belongs to someone else

I have been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.