Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I have been trying to get FMS to work with me to help me repay a loan which I believed was still with my original lender, XXXX XXXX, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the fourth person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.
Complaint sub-issue: Account information incorrect

dear XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account XXXX XXXX  Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only XXXX XXXX accurate credit information and to investigate any claims of inaccuracy within XXXX XXXX of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within XXXX XXXX  of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

My balance transfer convenience check for XXXX due XX/XX/XXXX was charged to my account on XX/XX/XXXX. A 5 percent fee of XXXX was then charged because the loan was otherwise interest free thru XXXX, XXXX. Another promotional offer is on my account where all interest is deferred and interest will be waived if the balance gets paid by XX/XX/XXXX. My account payments and credits were applied to the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. This makes the XXXX 5 percent check fee much too expensive as well as misleading. XXXX, who gave no last name initial, said on XX/XX/XXXX about XXXX XXXX  that my payments could not be re-alloacated to the balance due XX/XX/XXXX. I just authorized another so-called minimum monthly payment which no doubt will reduce the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. XXXX said there is no Supervisor to review my complaint because XXXX is an " Escalation Specialist # 5. '' He said I should have known better than to accept the Balance Transfer Convenience Check that they sent in the mail. The terms say payments are applied to the lowest interest rate first. Since the XX/XX/XXXX loan interest is deferred and subject to full waiver, it makes no difference to them that I am currently paying zero interest on that loan.
Complaint sub-issue: Information belongs to someone else

I applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT VETS.
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/2022 XXXX  I got the results back in the mail. I see that Equifax said that they verified the inquire on my account or it is factual and I demand them to Please send me the procedure used to determine the completeness and accuracy of the Inquiry I listed. 

The other XXXX bureaus already deleted these inquiry from my account. It is only Equifax company that refuses to delete it and I have been worried about the procure or method used to determine that I actually Applied for the hard inquiry. I didn't apply or authorize and I don't remember XXXX
Complaint sub-issue: Problem with personal statement of dispute

I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact Equifax and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY
Complaint sub-issue: Problem during payment process

I have attempted several times to reach out to Citi for assistance as I am unemployed due to Covid and I as of XX/XX/2021 had my unemployment end. I have no source of income. I asked Citi if I can have my due date which is today moved to the end of the month and they refused. I asked for smaller payments and they also refused. I have been making on time payments since I opened the was opened. I dont want this to affect my credit but unfortunately due to Citi refusing to work with me during these harsh times because of Covid but they arent willing to help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.
Complaint sub-issue: Didn't receive notice of right to dispute

The debt is for " repairs '' that were made to a property when I moved out of the apartment. I was overcharged for painting when as tenant over 3 years, painting is considered " wear and tear '' but charged costly for painting. Also left the apartment early and requested repairs. Repairs did not take place but after and the cost for replacing a curtain was for a small window was over {$100.00}. Complained to the leasing office to no avail. Stood my ground to not pay for ridiculous cost of the damages. Now the company I.Q. Data International , Inc. located in XXXX, WA XXXX wants to collect {$300.00} for a {$100.00} cost and repairs to the apartment. I gave them a call looking to settle at 40 % of the cost but the owner yelled, talked over me and tried to intimidate me over lawyer fees and cost. Please help im looking to pay but this is ridiculous.
Complaint sub-issue: Not given enough info to verify debt

This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
Complaint sub-issue: Other problem getting your report or credit score

The mortgage lender noted that they could not pull my credit from Equifax because the name wasn't updated. I contacted Equifax 6 times within the last 2 months with issues on updating my name. My phone records will prove it. Each time I was transferred at least 2 to 3 times to speak with someone or call a different number for help. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the issue is still not fixed. I had a name change through marriage ; my full name was changed to a different one. I submitted required documentation to show proof. I submitted my driver 's license, marriage license and social security number. I needed them to fix it expeditiously because I found a home to purchase and was looking to close on it on XX/XX/XXXX. I spoke with a customer care representative from Equifax last Saturday ( XX/XX/XXXX ) and he mentioned that my name was updated and I will receive a letter in the mail in 7 business days. I did received my credit report on Tuesday ( XX/XX/XXXX ) but they misspelled my first name so my mortgage lenders ( XXXX XXXX , XXXX ) said they can't use it to pull my credit report. I called Equifax on this same day ( XX/XX/XXXX ) letting them know that they misspelled my first name ; even when I submitted documents with the correct way my name ( first, middle and last ) was to be on my credit report. She told me that their process is 7 business days but she could email me the results. The problem with that is they can't tell me which name the report is under. When you type in the name incorrectly XXXX time, it kicks you out of the systems and you are unable to get the report. I feel that they incorrectly typed my name so why do I have to wait 7 more business days for another one? I told them that I need it for closing on a home by this Friday ( XX/XX/XXXX ). I was told that there is nothing they could do for me even though it was there fault for spelling my name  incorrectly and sending it by mail. Can you please help me? I need it by Monday ( XX/XX/XXXX ) so that I can close on time.
Complaint sub-issue: Need information about my balance/terms

They called on my cell phone, I told them I do not wish to have contact by cell phone. I asked for mailing address to communicate in writing and they refused to provide it. I asked them for my account number and they said it was my Ssn. I really want to get more information about this debt but they are making it difficult to figure out what 's going on here
Complaint sub-issue: Problem with fraud alerts

I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither Equifax or XXXX is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agency- Equifax has refused to correct my issue of fraudulent information, has inaccurately quoted what my request is ( i.e., stated that I would desire them to " block '' versus appropriately remove inaccurate, fraudulent, negative information from my credit profile ) and have violated my consumer rights as they have failed to investigate and provide proof of their investigation of the negative information reported on my credit profile ( i.e. 30-days under the Fair Credit Reporting Act- with limited exceptions which the reporting agency does not meet ).
Complaint sub-issue: Personal information

I do not open a credit card or anything else in the name of XXXX XXXX XXXX. I want this removed from my credit information. Please investigate and see who opened that fraud
Complaint sub-issue: Investigation took more than 30 days

XXXX submitted complaint to the CFPB about XXXX  XXXX. I wrote a complaint for the second time. CFPB investigated and recieved no response from XXXX  XXXX  after 70 days. I had to call CFPB and ask what was going on and why this has dragged on. Everythingv i said in myn statement is true, and now backed up by XXXX  XXXX no response for now 80 plus days. So this eronuos collection should be removed and formal investigations and charges against XXXX  XXXX, XXXX  and Equifax. Instead the Customer Service XXXX at CFPB sent letters to EQUIFAX and XXXX  asking them to look into this ; not mentioning at all that the original date of XXXX of the CFPB investigation of XXXX  XXXX  for almost 2 years now and not mention all my prior disputes that have been properly investigated by XXXX  and EQUIFAX AND THE FACT OF NO RESPONSE OF 80 DAYS NOW FROM XXXX  XXXX. So I contacted Equifax today. they are treating this as a new investigation all over again. This is wrong! This must removed from my reports at once. Equifax told me that another investigation has to be done and they sent this back XXXX  XXXX for theit response again. i have been hurt by this Credit wise, mentally and phisically drained. Please get this corrected at once. I am trying to buy a house and no more time to wait, nor should i have too. 
I would also like the FTC to be involed in this matter. And to have the CFPB start a Lawsuit against all 3 for company for bad reporting practices -- -- XXXX XXXX. XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Texas XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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: Trouble getting information about the card

I receive benefits from Pennsylvania department of labor. 
Since the beginning I can not register and login on their web page I try for 5 weeks. 
They have 2 tolls-free number and neither one is working. 

I could not have a statement, balance, nothing! I just know by test message that I receive some money on the card. that's The service bank is US BANK Are they bankrupt? What is there problem??
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have multiple credit card accounts open with XXXXl XXXX in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by XXXX XXXX that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking XXXX  XXXX for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to XXXX XXXX @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and XXXX XXXX even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like XXXX XXXX to appreciate a customer who has never stiffed them on principal or interest and  have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

My rights as a consumer have been violated. The companies below are in violation and the violations needs to be addressed. XXXX XXXX {$460.00}, XXXX XXXX- {$450.00}, XXXX. XXXX XXXX {$4000.00}, XXXX XXXX- {$260.00}, which is still showing a balance, monthly payment, past due, and the last date of payment is XX/XX/2016. the Statute of Limitations for the state of South Carolina is XXXX years for a collection/charge off account. I have not received a 1099c for this debt. XXXX XXXXL- {$52.00}, is a HIPPA violation for third accounts placed for collection.. XXXX XXXX XXXX XXXX {$460.00}. XXXX XXXX XXXX- {$700.00}. 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In the accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. Transactions between the consumer and the person making the report, and utilizations are experiences and they are a violation..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

Son is a XXXX XXXX but I am XXXX service connected vet, these guys call are very threatening, saying I have no way out if this, speaking like the mobsters Payments that fit my budget is refused When ask them to put any offer in writing they refuse.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I have been receiving mail that are addressed to my brother at my previous address. My brother has never lived with me at that address. Now I recently bought a newly built home and moved in. I am still receiving advertisement and collection mail at my new address. I recently used your department to resolve a credit issue in which my credit report had my brother 's information in it, but it was resolved. I would like to know who could still be linking my information to think my brother is either me or lives with me. This is a big issue because someone still thinks we are the same person. Any help would be greatly appreciated.
Complaint sub-issue: Investigation took more than 30 days

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an unpaid balance of {$4900.00}, opened on XX/XX/XXXX being reported by XXXX XXXX XXXX, XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX, XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX XXXX XXXX, XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.