Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

On XX/XX/XXXX I overnighted a check to pay off my lease on a lease end purchase from US Bank on a XXXX XXXX XXXX. The amount was XXXX on Lease Number XXXX. On XX/XX/XXXX, the payment arrived and was signed off - XXXX XXXX # XXXX. 

On XX/XX/XXXX, I received a phone call from US Bank inquiring what I was planning on doing with my lease. I advised that I had sent in all my paperwork and the check was overnighted and received. I gave the person my XXXX tracking number. He had to investigate it and came back on the phone to state that he talked to lease end maturity department and they said they could not process my payment due to the fact that the legal line did not match the amount box on the check. Wouldn't it have been nice if someone had called me? I then asked the representative how I could expedite the payoff of the lease and he advised that he could take the payment over the phone for the lease amount. I provided my routing and account and he came back on the phone to tell me the most he could process was XXXX. I asked if he wanted to take my payment in increments as the money was there. He thought it was better He then provided me the information for a bank wire transfer to US Bank. XXXX XXXX with specific instructions on what to put in the memo section. I immediately notified my bank and they wired the money to US Bank. 

On XX/XX/XXXX, I received a phone call from US Bank asking me again what I planned on doing with the lease. I advised if she could read the notes on my account as I had just spoke with a representative on Friday XX/XX/XXXX and the rep said there were no notes regarding my payment. I then advised of the bank wire transfer and she said the lease maturity department does not take bank wire transfers. I said, why was I provided the bank wire information by US Bank if that was the case. After being transferred 3 additional times, they were able to locate my bank wire payment. And then I was told that they would need to send it back to me and that it could take 5 business days and I would need to send another check. I asked why I would need to send another check when they already had my money? I was given the excuse that it was with another department of US Bank which was the collections department. I advised that the collections department should be able to refund my money to the lease department. And the worst part is that they are now threatening collection actions if I don't send in a check when they are the one 's who have my money. I have spoken with a Senior Rep ( asked for a supervisor ). How can a bank treat a client like this? How can they provide me an expedited payment method through bank wire and then after they have the money refuse to apply the payment to my lease. They told me their procedures were that they can not accept bank wires for lease payments but they clearly did. 

Currently this has not been resolved and have been waiting on a call back all day.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

WHEN I WENT TO GO PURCHASE MY VEHICLE I WAS TOLD THAT MY CREDIT REPORT WILL ONLY BE PULLED BY THE ACTUAL COMPANY ... I NEVER AUTHORIZED FOR ANY OTHER COMPANY TO PULL MY CREDIT OUTSIDE OF XXXX 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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: Debt was result of identity theft

I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed item that have been reported on my credit profile may be a result. I have no knowledge of this item or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor CITICARDS CBNA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with CITICARDS CBNA RESULTING IN ACCOUNT NUMBER XXXX My desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE 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 ACCOUNTS TO BE AMENDED : XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Car leased from Tesla leasing for 2 years and lease extended by another 6 months. 
Appointment made as per instructions to return the leased car on XX/XX/2021 XXXX car, odometer reading was taken at Tesla dealer site, handed back both keys. 
Had me sign a paper but never got any confirmation copy of returned vehicle paper. 
Asked about the final paperwork confirming return and was told Tesla Lease would be touch as the place of return was just the Tesla dealer store. 

Had made the full XXXX payment from XX/XX/2021 but returned car on XX/XX/2021. 
Impossible to get anyone on the Tesla lease phone, so sent multiple emails asking about refund on excess paid. 
Was informed that since I did not upload inspection photos, they were waiting for dealer to do that. Nowhere was it mentioned I needed to upload inspection photos when appointment was made to return the leased car. Dealer could have done it at the time car was returned but nothing was done, except key taken back, odometer reading jotted down, and a form that I had to sign. 

Kept continuing to get bills to pay lease amount for XX/XX/2021 due XX/XX/2021. 

A couple of days ago received a bill from Tesla lease saying I owed alomst a {$1000.00} for wear & tear. No explanation, no breakdown of costs and why. 
Emailed asking for details. Was informed a breakdown saying a key was missing and for replacement of all tires and rims. 
Upon stating & insisting both keys were returned, they agreed to take off the {$25.00}. I have asked for copies of the photos based on which I am being charged the wear & tear... .something that should have been sent with the bill as proof! 
The photos were sent but what is the proof these are from the car I returned. 
This is the reason the inspection, photos and paperwork needed to be done while I was present when I returned the car! 

Today my account for the already returned vehicle shows it was returned XX/XX/2021 and now the balance is at {$1300.00}! Am being charged for XXXX lease payment too while the car was returned on XX/XX/2021. 

It has been an absolutely frustrating experience returning the leased vehicle, with getting someone to look at all the information and provide a resolution. 
Plus all the extra charges which had never been mentioned nor the process completed properly, so no proof for the customer. Intentional? 

Much as the experience was so smooth, easy, courteous at the time of doing the lease, it was the worst for returning a lease! Tesla lease seems to be trying to rip customers off, and especially where my vehicle mileage on return was well below the allowed limit and where the car had been kept in a good condition. 

Never again will I lease from Tesla Lease and will inform all I know to also not to do the same!
Complaint sub-issue: Account information incorrect

I received a copy of my credit report and noticed that Equifax and XXXX are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Can't decrease my monthly payments

I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.
Complaint sub-issue: Account information incorrect

In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$2500.00} written off. {$3400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$3900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 

FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Can't close your account

I called KeyBank and they refused to close the account. wrote to them ( letter attached ) and they still didn't close the account. They keep charging me monthly fees. This s a scam
Complaint sub-issue: Information belongs to someone else

Equfax has a XXXX account that inst mine. Never in my life have I had a XXXX account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXXXXXX XXXX  Account XXXX have 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not mine

I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times.
Complaint sub-issue: Public record information inaccurate

My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XXXX XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.
Complaint sub-issue: Problem getting my free annual report

For the last 2 years, I have requested my free annual credit report from Equifax and XXXX electronically and both times I was denied getting my credit report online and had to submit a paper form. I believe the " verifying your identity information '' is incorrect, as it has my current/previous employer as " XXXX XXXX '' instead of its proper name ( XXXX XXXX XXXX ).
Complaint sub-issue: Information belongs to someone else

sent equifax the ftc complaint XXXX XXXX still showing on my credit file XXXX and XXXX have remove it
Complaint sub-issue: Debt was paid

Macys continues to call my home every other night at approximately XXXX XXXX to try to collect an alleged miniscule balance on a store credit card plus late fees on late fees on late fees. Because I do not believe I owe the anything, I have asked for documentation of the alleged outstanding balance together with a record of payments I have made. I cancelled the card and because they refused to provide documentation, I filed a prior complaint with your agency requesting documentation and the cessation of the unending phone calls. Macys is dragging its feet in responding to the request for documentation and has now requested an additional 60 days, as you informed me in a recent email status report. 
Meanwhile, the phone calls continue. This complaint is to request relief that the phone calls to my home cease immediately pending resolution on this disputed debt.
Complaint sub-issue: Other problem getting your report or credit score

My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.
Complaint sub-issue: Problem with personal statement of dispute

Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.
Complaint sub-issue: Was not notified of investigation status or results

When reviewed credit report there were 2 30 day late remarks that were previously not removed as already agreed upon by XXXX XXXX  representative. 

I have made several attempts to resolve directly. 

The two 30 day lates are for : XX/XX/XXXX/ XX/XX/XXXX which again were agreed to be resolved by XXXX XXXX   representative on several occasions. 

This action is un responsible and needs to be corrected promptly as it effects consumer 's abilities to borrow. 

Next steps for me will be seeking an attorney to have this removed.
Complaint sub-issue: Information belongs to someone else

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXXXXXX XXXX  Account # XXXX {$25000.00} XXXX XXXX Account # XXXX {$12000.00} XXXX XXXX  Account # XXXX {$16000.00} XXXX XXXX Account # XXXX UNKNOWN INQUIRIES : XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX XXXX theft. All is being investigated by the FTC
Complaint sub-issue: Investigation took more than 30 days

Items in good standing keep falling off my credit report causing my credit score to drop significantly. Major financial is in good standing with {$5000.00} credit limit and XXXX  balance due
Complaint sub-issue: Account status incorrect

I have spoken with the Creditor and Equifax. Both companies are telling me the problem is with the other party and it is unresolvable. I have documents from the creditor stating that I have paid the debt on XX/XX/2020. XXXX and XXXX both report that the creditor has reached out and told them to delete the outstanding balance because the balance was paid in full. Equifax however, tells me that they spoke with XXXX and that XXXX told them the debt is outstanding. I do not believe XXXX and they are not helpful, and they have hung up on me at least 7 different times while discussing the account.