Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with paying off the loan

I purchased a vehicle using this lender, made my payments on time every month. I decided to trade my vehicle in to purchase another vehicle and the dealership held onto the vehicle and did not return it as promised. The vehicle was paid in full and the dealership is stating the vehicle was returned and the lender is giving falsified information as this loan is paid in full and I am not responsible for the misunderstanding between dealership and Lender. Please help assist me with compliant as I want it removed from my credit reports reporting negative.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I would I was going over my credit report and I just now noticed that they are maliciously putting a previously a lot of inquiries on my credit file that I did not authorize and approve these are these type of things that I've been talking about after numerous times of reporting to you guys that they're doing Equifax and loan has over XXXX inquiries on my file that's right now that I can count right now on on one Equifax thing they have more than XXXX dates that they have hard inquiry on my credit file and I do not know I know some of these dates are on the same exact date so I did not request my credit card to be hardinkery XXXX times in XXXX day pretty much a lot of the inquiries on my file like XXXX XXXX XXXX XXXX XXXX XXXX has more than XXXX inquiries on under hard increase under my credit file and I know I will not ask for them to do a heart inquiry on my file if I got denied XXXX or XXXX or XXXX times why would I keep asking them to run credit check that makes no sense I am providing documents showing that Equifax is abusing the the power by continuously putting heart increase on my file since they can not report any anything else accurately so they produce it to be going to my side because it takes longer and it's harder to get off of inquiry than anything else you have to actually submit each document for each one of these credit increase so they like to stack them up I should not have to spend my time or my hard earn money to go under here and go each one by one and try to dispute each one of these when they know and they're internally putting these on our files 85 % of these increases on these trial have been for business-related inquiries in the first place so they should be placed on my business credit not my personal credit I am an XXXX XXXX XXXX is also another one they have more than XXXX XXXX XXXX more than XXXX inquiries under my inquiries that I apply for a hard credit check that I do not apply for it and why do we have to dispute this. I don't know my next step but this is discrimination cuz I don't know why they would sit there and pinpoint me out of everybody that goes through there and sit here it's been one thing after another with these guys they I call and tried to get the disputed they hang up in my face and send me to answering service the next time I call in so why are they allowed to do this please advise me to the next steps I need to take to get this resurrected or get this fixed so they don't happen again I have been denied a lot of credit or loans or stuff due to the fact that they are discriminating against me and all my skin XXXX or whatever it is I have also provided a documentation the experience is doing the exact same thing I'm sure XXXX is too XXXX and provide outlet soft increase I know they don't affect your credit but if they don't take my credit I'm on them off of there if I did not approve them and I went in to provide documentation showing that they follow the law when they put them on there
Complaint sub-issue: Debt is not yours

regarding account XXXX, which you claim unpaid such as I owe {$120.00} or my account was charged off {$120.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

For the past several years, I have attempted to get Equifax to correct longstanding errors on my credit report. Equifax has my information mixed up with that of a woman with the same name and birthdate as mine. However our middle initials and Social Security Numbers are different. Equifax is reporting the other persons SSN on my credit file as well as her accounts, many of which are delinquent. 

My latest attempt to get Equifax to correct their errors was on XX/XX/2021 when I disputed the erroneous data via Equifaxs online dispute mechanism. However instead correcting the errors, Equifax is instructing me to contact the companies who are allegedly reporting the erroneous data to Equifax. I tried to contact Equifax by phone to discuss the dispute however I was provided a number for a recording which would not connect me with a live agent. This occurred on 3 different occasions. I might add that there was the same problem with my XXXX  and XXXX  Credit Reports, however those companies corrected the erroneous SSN and accounts within a few days.
Complaint sub-issue: Didn't receive terms that were advertised

I opened my business checking at local US Bank branch and the banker confirmed he had applied the offer ( code : XXXX ) " earn a bonus of {$400.00} when you open a new business checking account and complete {$5000.00} in new money deposits within 30 days of account opening '' and I still have the poster for it. However, I have completed all requirements for this offer and did not get the bonus. I noticed it is because they opened a Preferred money market instead of Platinum ( required for this offer ) by mistake. I have contacted the bankers and they filed an escalation but it took forever for them to get back to me ( banker always in a meeting or with a customer when I call ) until I stop by the branch again and they said they need to file another escalation and it may not be approved because I need to maintain the {$5000.00} in the account which is not even shown on the poster for this offer. It seems to me they are trying to avoid admitting their mistake and just looking for excuses and then let me wait for reply until I give up on this.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with Equifax on XX/XX/2018.I never received a response that any investigation was done or completed.I contacted them on XX/XX/2018 in regards to this matter, and they had no explanation.I was told you need to contact these companies yourself, if your report is incorrect, and these account do belong to you.I continue to ask, why I was not notified of your results, he refuse to answer.He said where did you get this information?, XXXX XXXX XXXX is your report, '' does this question make any sense? no, it does not.I told this person, that  this account has been on my report for 7 years or more, and should be removed.Also another company called XX/XX/XXXX , I have  never done any business with, to my knowledge, he said call them. 

I need a resolution to this ongoing problem with Equifax, which has destroyed my credit, and lowered my score.It has been more than 30 days, since I filed this dispute.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed that everything was still the same. The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, the date active is not correct on all 3 credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached all 3 credit reports to show the discrepancies and on how Equifax violated my rights.
Complaint sub-issue: Account status incorrect

There are items on my credit report that are violations of the Fair Credit Reporting Act that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent id Identity theft!
Complaint sub-issue: Debt is not yours

I received a letter in my mailbox that apparently this AFNI company or whatever, telling ME that I have to pay {$610.00} out of a supposed {$940.00} to settle a XXXX debt I have never heard of within a month or else they'll treat it as " legitimate ''. I am cautious about whether to contact them in any form as I fear they'll purposefully waste time. I received the letter in XXXX XXXX.
Complaint sub-issue: Problem during payment process

Citibank , N.A . received two payments on my XXXX 's XXXX card and they were not applied. I have contacted them and the say they ca n't do anything. The payments were electronically sent from my financial institution to them. On X/X/2017 a payment of {$1.00} and on X/XX/2017 a payment of {$3.00}.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}
Complaint sub-issue: Frequent or repeated calls

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!
Complaint sub-issue: Can't stop withdrawals from your account

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SOCIAL XXXX I USED TO HAVE AN ACCOUNT WITH XXXX XXXX, NOW NAME STERLING XXXX bank, located XXXX ny. what happened was that my account was only negitive XXXX dollars then all of sudden the bank closed my account unlawfully and started to charge me a ton of overdrafed fees even when the account wasv closed, i just owed them XXXX dollars, but my balance went up to over XXXX dollars. i talk to them several times to explain that the balance is wrong please credit the incorrect balance and they refused to remove those unlawful fees. off my account and they got so nerve to send my account to an attorney, also the bank is trying to used muscle on me by imtimadating me please have XXXX XXXX now sterling bank correct my balance so that i can pay the negitive correct balance the manager that works at the XXXX XXXX branch is a XXXX .also my job is next to the bank, when the workers get off of work they take the train next to my job where i work and look at me strange like their imtimidating me because i owe the bank money, like the manager and the other workers also talk to each other and look mad at me and then get on the train while im cleaning it. to me thats illegal, there cameras where i work showing those workers get on the train when their going home from the bank. the only was im going to pay this balance is when they credit the balance to XXXX
Complaint sub-issue: Debt is not yours

I have been contacted repeatedly by a collection agency, EOS CCA, saying that I owe student loan debt. I paid off all my student loan debt last year ( 2018 ) and confirmed this via the Department of Education as well as by checking my credit reports. This company is harassing me and my family, refuses to send me a copy of the supposed promissory note they say I signed, and refuses my claims that this is not my debt. I have provided them a statement to this affect both verbally and in writing. I've never heard of this agency before and believe this to be an attempt at fraudulent collection.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX Reference # 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: Their investigation did not fix an error on your report

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Complaint sub-issue: Attempted to collect wrong amount

The insurance Company sent me a check & said it was mine to cash for an accident in XXXX. Next thing i hear a collections company is calling me for the money. I then tried to make a payment arrangement by giving them XXXX and expected a confirmation by mail on the payment arrangement and the plan. They never sent me anything in writing and sold the debt and now they are harassing me and the original payment went up
Complaint sub-issue: Application denied

I applied for a Citi card on XX/XX/2020 Application ID XXXX. 

I was DENIED for having 1 INQUIRY!!!! HOW?!? 

My credit score is XXXX!!! Ive had Citi for over 12 years now and never been late, I have XXXX XXXX credit lines to $ XXXX and Capital Ones just as much. However Im denied because I had ONE INQUIRY?! 

Thats XXXX 

Ive spoken with their fake reconsideration department and was still denied, theyre saying because I was Approved for a XXXX XXXX a few days prior that disqualifies me for any products?! Thats XXXX!! Im XXXX off!!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have received calls on an almost daily basis from XXXX XXXX XXXX  about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX XXXX XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an XXXX if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an athlete ( Through XXXX XXXX  XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX ) so that XXXX XXXX could deny it and then provide an EOB so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am doing all of this on my own.
Complaint sub-issue: Problem getting report or credit score

During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.
Complaint sub-issue: Public record information inaccurate

THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.
Complaint sub-issue: Information belongs to someone else

My information was stolen back in 2009 and someone use my information to open a school loan
Complaint sub-issue: Card opened as result of identity theft or fraud

I am a victim of identity theft. Someone used my personal identification information and opened a fraudulent account with Discover Bank. I did not authorized anyone to use my information for some purposes. I've tried to fix it with the credit bureaus and with the Discover Bank, but they refused to delete fraudulent account. XXXX credit reporting agency have deleted this fraudulent account, but recently I obtained my credit report with XXXX and discovered that XXXX reinserted Discover Bank account ( partial account no : XXXX ) back to my credit report.
Complaint sub-issue: Debt is not yours

IC System reporting debt to credit agency that doesn't belong to me I have asked for documents with my signature never received anything. Both account for XXXX and XXXX has the same account number different amounts. Have disputed this company with credit bureau the updated credit profile in 24hrs with not any proof or providing me with any new information. XXXX is one account XXXX is one account and XXXX is one account
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed 30 days late report from XXXX XXXX financial department to all my credit bureaus, tis report came in 50 days ago, since then i have received letter from the creditor that i have provide it to all the bureaus, the letter is stating that was no 30 days late on my XXXX   lease. 
XXXX XXXX finances provided information to all the credit bureaus notifying them of the error, and yet my credit report was never updated in all of the bureaus. 
Please help me, thank you, XXXX
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SOCIAL VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.