Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the XXXX delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.
Complaint sub-issue: Problem with fees

I would like to report Predatory Lending practices on behalf of Elan Financial Services. A previous complaint was filed in which they admitted they had told me I was not required to pay an exorbitant minimum payment for the month of XXXX, but is still charging me anyway. This is Predatory Lending practices. 

Elan Financial 's response to my complaint was " Our review found that you were provided inaccurate information regarding how your credit from XXXX was applied to your account. We have confirmed that the account is not being reported as delinquent for XX/XX/2023. '' Their response also stated my XXXX balance was {$6000.00} and that they received my {$160.00} payment ( as I was told by their Customer Service that I did not need to make the exorbitant payment of {$1100.00} minimum due because my Target credit was received on XX/XX/2023. Elan 's response then goes on to say by XXXX statement had a balance of {$4800.00} and a minimum payment of {$1000.00} ''. 

How can I have a XXXX balance of XXXX, if only {$160.00} was applied? 

Elan flat-out lied to me ( as a holder of the XXXX XXXX XXXX ) about receiving the XXXX credit of {$1100.00} on XX/XX/2023. They told me on the phone that I no longer needed to pay the {$1100.00} minimum due and that they would note this in my file. 

Elan is still saying they want the {$1100.00} by XX/XX/XXXX, even after admitting THEIR mistake ( i.e. " you were provided inaccurate information ... '' ). 

I refuse to pay 25 % of my balance due to ELAN taking XXXX weeks to credit a return back my account. Elan 's response to my complaint states they still want me to pay {$840.00} on top of the {$360.00} that I have already paid.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Tried to dispute inquiries with XXXX Equifax, and XXXX over the phone they all 3 told me it can not be done over the phone, which I have always done in the past.
Complaint sub-issue: Denied request to lower payments

I became unemployed on XX/XX/2021. In XXXX, I fell behind in paying my car payment. I spoke to Gateway Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, and they mentioned they would work with me as long as I emailed them my confirmation letters from the Illinois Department of Employment Security ( IDES ). In XXXX, I was able to make a one-time payment to cover XXXX month. I continued to email them my confirmation letters from IDES that confirmed my certification biweekly. I also emailed them proof that I received a job. I sent them a screen capture of my orientation date and time. I was told that I may qualify for an extension considering my circumstances. A few days later I received a call mentioning that I need to make a payment right away or my car would be repossessed. XXXX days later, my car was repossessed. The date was XX/XX/2021 just XXXX days before XXXX and XXXX days before I would start my new job. 

After reading customer complaints on the XXXX XXXX XXXX it seems that this company is notorious for misleading its customers.
Complaint sub-issue: Received bad information about your loan

I was contacted by " XXXX XXXX XXXX XXXX '' agency and was told that my current student load was with a 3rd party lender and if I changed to them it would be a direct payment and I would save money and be paid off sooner. This was my understanding of the events and I called to XXXX  today to get further information and was told that " XXXX XXXX XXXX XXXX '' business was the 3rd party and I could be paying them for years and none of my payments would be going towards my student load debt if I don't meet the qualifications for loan forgiveness. I am told that my money is instead to pay this 3rd party to shuffle papers and collect my money for it and none of my money is going towards my loans.
Complaint sub-issue: Received unwanted marketing or advertising

As a victim of the EQUIFAX DATA BREACH, I was offered free credit monitoring, BUT ONLY IF I AGREED TO THEIR TERMS & CONDITIONS. The XXXX XXXX XXXX granted them permission to further share my information to include marketing which I don't approve of. 

I reached out to the firm managing the settlement ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ), but got no response. 

I feel like a victim twice over... 
1 ) Original Date Breach 2 ) Having to agree to the Terms & Conditions of the settlement which further shares my information. 

This is nuts! ... who agreed to this??? 

Thank you in advance, ( name witheld )
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I had a club calson hotel credit card with US bank for many many years, with a credit line of XXXX dollars, which I believe I deserve more but since I did not use it I never request any credit limit increase. 

Recently due to operational issue they mandatorily tried to shift my hotel credit card to USBank triple cash visa, as by that change from what I consulted I will loose all the welcome offer, I had chose to close my account and re-apply for the triple cash. 

Please be noted that so many years since my small business established I had never missed a payment and without any default events, so did my personal credit profile. If I reapply, I should be able to get a credit line of more than XXXX dollars. Then eventually approved for only XXXX dollars for my new application and I requested for the credit line increase and they rejected it for the following reason ( from the letter ) : 1. High balance on existing accounts That does not make sense as I have small business credit profile for so many years, 7 years at least and I constantly carry balances with my credit card, even with USbank club calson card when they have transfer promotions, it's a common financial tool should not be considered as risk. In addition, I have perfect personal and small business credit profile. What's more, during the pandemic, it makes great sense for a surviving small business to carry some balance but not default on you right? Most of companies provide great tolerance on these days, can not imagine they are being tougher.

2. Account recently opened.

3. Need 6 month payment on this account.

Above 2 reasons makes no sense at all, during communication with their customer service I specifically refer to my old closed accounts have XXXX dollars credit line and had flawless payment history. By the way what does 6 payments in this account mean? Is that the way to view a credit profile? Other payments from credit bureau does not account? Only the balance on other credit card from credit bureau counts? 

Another bad thing about this is, which is very bad, on their welcome offer, they said 2 specific benefit which attract me, one is the spending of XXXX dollars to get a XXXX dollars cash back, and the first 15 month of promotional XXXX interest period, on top of which they gave me only XXXX dollars, it's not acceptable. They are ruining my benefit by limiting my credit line for unacceptable reasons.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX/XXXX  with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Complaint sub-issue: Information is not mine

XXXX and XXXX XXXX people I do not know went to XXXX XXXX XXXX on XXXX XXXX to buy a vehicle POC : XXXX XXXX XXXX ). The dealer ship enter the wrong SS # which just happen to be mine. They ran my credit 4 times lowering my score I have contacted Equifax 3 times about this trying to get all XXXX inquires off my record and this is all I get back. ( We have reviewed the inquiry information for XXXX Banks XXXX Florida. The results are : Inquiries are a factual record of file access. We have reviewed the inquiry information for XXXX XXXX .We have reviewed the inquiry information for XXXX XXXX The results are : .We have reviewed the inquiry information for XXXX XXXX Bank Inquiries are a factual record of file access. This has nothing to do with me how do I get these XXXX inquires off my record?
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a copy of my XXXX  report and I noticed some account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX {$570.00} The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act " 15 USC 1681 a 2 b '' ( See below ) Exclusions Except as provided in paragraph 3, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Card opened as result of identity theft or fraud

Received notification via email that I have applied and opened a credit card with CitiBank. 

I have notified CitiBank of the fraud and requested they cancel the card. 

I was informed they cancelled the account ; however, it seems that is not the case and now CitiBank is mailing out the new card. 

No one from their fraud department has reached out since I reported the issue. 

XXXX  credit report shows the inquiry on my account.
Complaint sub-issue: Their investigation did not fix an error on your report

On  2 Separ ate occasions I disputed unauthorized inquiries that were showing on my credit report, and on both occasions Equifax " so called ' investigated the disputes and found them to be accurate. My most recent dispute ( #  XXXX  ) of the following inquiries  ( Factual Data-   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX  -1/15/17, an  XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ) was submitted on  XXXX / XXXX / XXXX , Equifax completed the investigatio n 5 mins after I  submitted the dispute. There is no way possible that Equifax could have done a proper investigation into these disputes  in 5  mins. The investigation results states that inquiries are a factual record of file access but I have stated several times that I did not authorize these inquiries so they are not factual. Per the FCRA a thorough investigation must be done on all consumer disputes. The fact that Equifax closed my disp ute within 5 minutes show s that they did not investigate at all and are in direct violation of the FCRA. These inquiries must be removed!
Complaint sub-issue: Debt is not yours

As of XX/XX/2020 i noticed 2 auto loans on my credit report which does not belong to me. The accounts are as follows : I HAVE CONTACTED THE COMPANY BUT THE ISSUE IS UNRESOLVED.
Complaint sub-issue: Fraudulent loan

I don't recall ever open up this account at all
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Complaint sub-issue: Debt is not yours

On or about XX/XX/XXXX, I received 3 letters dated XX/XX/XXXX from Sallie Mae. These 3 letters were Notices of Right to Cure Loan Delinquency. I was surprised to receive these 3 letters because I do not owe this debt to Sallie Mae nor did I guaranty any loan to Sallie Mae. The amount of the debt represented in these 3 letters is {$60000.00}. 

On XX/XX/XXXX, I promptly responded to these 3 letters by calling the phone number ( XXXX ) provided in the 3 letters. I disputed the debt and stated that I did not borrow the money nor did I guaranty this debt. I requested an explanation of why I received these 3 letters and subsequently requested verification of this debt. Sallie Mae has not verified that I guaranteed this debt and Sallie Mae continues to collect this debt from me. 

Between XX/XX/XXXX and XX/XX/XXXX, I and my husband had a total of 19 phone calls with representatives of Sallie Mae. My husband and I continued to dispute the debt as not my debt. However, Sallie Mae continues to harass me with collection efforts and maliciously posted derogatory comments on my 3 credit reports ( XXXX, XXXX and XXXX ). 

On or about XX/XX/XXXX, I received a 4th letter dated XX/XX/XXXX. This letter was a Notice of Right to Cure Loan Delinquency in the amount of {$12000.00}. The 4 loans total {$72000.00}. 

On XX/XX/XXXX, my husband received a phone call from a Sallie Mae collector attempting to collect {$12000.00}. Again, my husband explained that this debt was not owed by me. 

Because of the false and derogatory comments posted by Sallie Mae on my XXXX  credit report, my credit score was significantly lowered and I was denied credit by a credit provider on XX/XX/XXXX. Sallie Mae caused me to suffer financial harm. 

Though I deny and dispute that I owe the 4 loans, and Sallie Mae has yet to verify that I owe this debt, Sallie Mae continues to assert that I owe the debt and refuses to remedy the malicious and erroneous postings on my credit reports. Therefore, I am continuously suffering financial harm. 

I will upload letters exchanged between me and Sallie Mae. 

Thank you for your assistance.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged {$6500.00} on XX/XX/17 by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

My score dropped XXXX after I called and complained about an dispute with out any explanation! As to way it down the company is tampering with my credit report I was sent to three different departments from dispute to fraud to a supervisor that could not help back to dispute this has gotten out of hand with Equifax!!!
Complaint sub-issue: Personal information

I never lived at XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX.I also never at XXXX XXXX XXXX XXXX , XXXX. I went through bankruptcy because my neighbor XXXX XXXX stole XXXX of my credit cards wend I was in the hospital. he lived at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. He threaten me and forced me to file for bankruptcy. He filed for the bankruptcy and pay for it. Now its destroying my credit. Before that I had unbelievable fantastic credit.XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

for the past 3 months I have dealt with numerous customer service representatives. more than one has told me incorrect information and they are all on different pages. I was told if I make a payment of XXXX and signed up for automatic debit my account would be brought current by two different representatives which I can provide dates for. after each time a week later someone calls to tell me that the payment arrangement is not going to work and to call them back to keep going through the cycle. I keep telling them I can not afford to pay them a XXXX dollars to make the account current I can only afford my monthly payment of XXXX while they keep playing around my account goes further and further past due. I 'm frustrated and no one in customer service seems to know what they are doing.
Complaint sub-issue: Personal information incorrect

I've sent necessary documentation to both bureaus providing my correct address & ID proving the address on file is incorrect or used by someone who has a similar name. I haven't received any response from the bureau by mail, email or to my fax number. I would like them to remove all incorrect accounts and/or information tied to any false address that is not mine. I have provided documentation since XX/XX/2022 several times and can yet to have anyone correct my credit file
Complaint sub-issue: Information belongs to someone else

In my reports a closed account with huge amount of missed payments. Bestbuy/Cbna is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I have no accounts associated to these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX