Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to open an account

USBank refused to allow my SBR fund check into their Financial institution on XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

In early XXXX, my husband was in a car accident that totaled a vehicle we were leasing. 

Our deductible was paid. Our insurance company paid the financing company in full as GAAP protection was in effect. We have documentation that insurance paid Ally Financial in full. 

Soon after, I suffered a severe credit score drop and investigated. I found that Ally Bank has my account showing as a charge off. This was not a charge off but an insurable event in which the company was paid. 

I formally initiated a dispute through the credit reporting companies on XX/XX/XXXX after a phone call to the company. On XX/XX/XXXX, I found that they added a remark but did not take off that it was a charge off. I reinitiated the dispute on XX/XX/XXXX ; I received a letter today, dated XX/XX/XXXX that they found no issue and will not be making changes. 

You can tell on the credit reports that the account was current and we paid all invoices that we received. Somebody in their office clearly is confused on what a charge off is and are refusing to resolve this.
Complaint sub-issue: Account status incorrect

Citimortgage serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX days late. XXXX  is still reporting payments through XXXX of XXXX on a loan that was paid XXXX in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with XXXX  and citimortgage and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.
Complaint sub-issue: Old information reappears or never goes away

I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct information.
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiries ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Complaint sub-issue: Problem making or receiving payments

Comerica banks direct Express card for ssi benefits is impossible to get ahold of a lice person for the last 3 days I cant. I been on hold over 2 hrs  just to be hung up on eventually after no help. I've tried every Avenue through the service. Its saying my pin is lost and my card # invalid, all false. I can not use my card it's not working I cant see a balance, nothing, ssi says it's the cards fault. My rent is due. I'm gon na be homeless.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX  XXXX {$270.00} XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXX   XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX  XXXX {$880.00} XXXX  XXXX {$780.00} XXXX XXXXXXXX {$2400.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

Yesterday, I was called from a restricted number and was left a voicemail by " XXXX XXXX ''. I was told that they would come to my house and work and to have my ID ready as I was going to be served paperwork if I didn't hurry up and call back. Today, she called again, 7 times in a row, around XXXX XXXX  CST from the same restricted number and left a voicemail and case number and said that she would show up at my house and work between XXXX-XXXX  XXXX  tomorrow and that my ID should be ready. Today, I called and was told that this company was called " XXXX '', that they were not a debt company, could not take money from me even if they wanted to and when I asked for a validation of debt to be sent me to me, that they couldn't send me one because they " already did ''. I have never received one. Supposedly, the debt is from Cashnet Payday Loan company. I told them that no case has been filed with XXXX County, where I live. They man then called me stupid and said that it would be filed after I was served. I said it doesn't work that way, and that a case must be filed with the court. He said that I was stupid and didn't know anything. I think requested again for a validation of debt. He refused and threatened for my credit to be destroyed with this " debt. The phone number that I was told to call was " ( XXXX ) XXXX. The man that answered the phone wouldn't give me his name and didn't answer the phone with a company name. My case file was XXXX-XXXX.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX   {$16000.00} XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Information belongs to someone else

I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.
Complaint sub-issue: Old information reappears or never goes away

I went to a XXXX XXXX in 2011 and defaulted on partial loan XXXX XXXX sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
Complaint sub-issue: Don't agree with fees charged

I got an email from my loan consolidator that my monthly payments are going to be changed because my " original loan servicer notified us that the amount we sent them to pay off your loans did not match the actual amount due. We have adjusted your balance accordingly. '' I did n't receive any information about which servicer sent this notification, how much my balance would be changed, etc. I paid over {$7000.00} in interest last year on student loans and my balance moved a minuscule {$1000.00} from {$110000.00} to {$110000.00} balance. Not to mention I receive no tax deductions for paying this interest.
Complaint sub-issue: Funds not handled or disbursed as instructed

Key Bank is refusing to return my funds, as held in a personal checking account. 

I opened the account on XX/XX/2022, and the account has been frozen shortly thereafter, per previous CFPB and XXXX complaints. Please find the previous CFPB complaint attached. 

Key Bank responded to my complaint on XX/XX/2022 by summarizing the situation, but there has been no resolution to the matter. My balance of {$1500.00} has not been returned to me, nor a timeline for this disbursement. 

I would also advise that Key Bank revise and update their antiquated business practices with regards to identity verification. Key Bank states this indefinite hold of my funds is because they can only verify my identity by physically visiting an out of state branch. Given the advances in technology with public knowledge databases like XXXX, a customer 's physical presence should not be necessary. 

Alternatively, if Key Bank does not wish to invest in modern technology, Key Bank can request further information from me to identify myself, but has not done so. I proactively called a branch and customer service offering to provide identity documents like my XXXX passport, drivers license, and/or utility bill, but was denied. Coupled with the risks of the COVID pandemic, this is a perfect opportunity for Key Bank to update their outdated business practices with regards to requiring laborious in-branch visits. 

I would appreciate immediate disbursement of my full balance of {$1500.00} via a trackable shipping method, like XXXX. 

Thank you.
Complaint sub-issue: Other problem

I purchased a house on XX/XX/XXXX and had my credit report ran previous to that date. My credit cards were sitting higher on the balance side, due to purchasing the home ( buying products/paying for things to get out of a home lease ). So, my balances were a tad bit high but within ' the credit limits. 

Citibank terminates my cards prior to today XX/XX/XXXX. 
Their reasons were defined : " revolving balances are at or near credit limits ''. This is absolutely absurd. I have a credit limit for a reason. I am not over my limit, I am not exceeding. I am AT or NEAR the limit. 

This is completely discriminatory. This company approved my credit limits and are now cancelling me because I am *NEAR* the balances and they decide to cascade the information to me and leverage their poor " Fair Credit Reporting Act '' legalities and their absurd policies. This is not appropriate and is a horrible experience. Considering the 3 cards I had with Citi, only one was near the credit limit. The other two were fine. 

My revolving credit is generally LOW. 
I have LOW credit limits - purposely.
Complaint sub-issue: Trouble with how payments are being handled

I am a XXXX XXXX and my financial planning is based on the assumption that I will be eligible for PSLF after 10 years of repayments. 

I left one XXXX to start at another XXXX in the beginning of XX/XX/XXXX. My payment date for that month was XX/XX/XXXX, which happened to be the Sunday between my last day at the former job and my first day at the new job ( I worked Monday through Friday at the former job, kept that schedule at the new job, and took no break in between jobs ). 

XXXX XXXX told me that I was therefore unemployed at the date of my payment and that payment would not count towards my PSLF requirements. 

This is obnoxious and unethical. If I chose to make the payment a day later, it would have counted, so I am essentially being penalized for paying my payments on time. 

I could have simply wrote on my employment certification form that my last day of employment was that Sunday, even though I work Monday through Friday, and that would have been fine. But because I chose to be responsible and honest, I am being punished by an irresponsible and dishonest loan servicer with zero accountability to the public. 

Furthermore, to consider me " unemployed '' for not working during the weekend when I have been consistently employed full-time with NO gaps in my employment is pure nonsense. 

I have spoken to multiple people at XXXX about this issue and they have told me there is nothing they can do. According to them, this is my fault - I should have known that they would have considered me unemployed for not working on that Sunday, and rescheduled my payments accordingly. Evidently and counter-intuitively, making things easier for everyone involved by enrolling in automatic payments and paying my payments on time is frowned upon by the loan servicer. 

Any assistance with this issue would be greatly appreciated. The fact that XXXX gets away with this behavior and there is no way for the public to hold them accountable when they are the sole servicer appointed to handle PSLF is entirely unethical.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I knew I fell behind on payments with American Education Services ( AES ) and was having a hard time paying my monthly bill. In Septemper I spoke with someone at AES and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to AES. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with AES and asked if they could get my account out of default because I made a good faith payment. AES said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with AES. AES said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted AES again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and AES said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. On XX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to AES. When I got back on the AES website my account once again said I owed {$0.00}. When I called AES and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from AES. I started getting phone calls from a collection agency in late XXXX XXXX XXXX XXXX stating I owed the balance due on my loan ( {$51000.00} ). When I once again called AES they said my loan defaulted and that they no longer have the loan and that I would have to contact XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I contacted XXXX  dispute department to inform them of fraudulent activity. The results were returned from the company as unchanged. I was reporting that due to domestic violence issues at the time, my partner open an account without my permission. All of this information was conveyed, and yet the information remains. The account is paid in full, but still reporting negatively And it is not mine.
Complaint sub-issue: Information belongs to someone else

XXXX COLLECTS ON ID THEFT. XXXX does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges XXXX is well aware of Unauthorized Charges XX/XX/XXXX. ( see XX/XX/XXXX XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.XXXX  DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO XXXX CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS XXXX FAILS TO RESOLVE. ( see attatched XXXX   Dispute XXXX has Certified to XXXX  that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing some fraudulent accounts on my report for over a year, have sent in all documents that was requested from me. Nothing has been removed, I have been told multiple times that my police report and other documents were being attached to the dispute. I found out that the documents are not being attached to the disputes and was told to get a new updated police report, which doesnt make sense because my police report is very valid and should have been attached to every dispute.
Complaint sub-issue: Investigation took too long

Equifax will not show my XXXX Credit card accounts. Even after providing copies of statements.
Complaint sub-issue: Was not notified of investigation status or results

I have written to XXXX XXXX with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
Complaint sub-issue: Debt is not yours

Upon checking my credit report recently, i observed my credit score went down because of a collection item from a third party debt collector EOS CCA for XXXX that didn't belong on my credit report. After this on today 's date i debt verification letter was mailed to them certified mail, with a complaint from the XXXX  to be filed at a later date.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and Equifax and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX XXXX credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.
Complaint sub-issue: Account information incorrect

I have contacted XXXX, XXXX, and Equifax regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX