Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with additional products or services purchased with the loan

I purchased this vehicle in XXXX of XXXX this is the second time my vehicle has been in the shop. I have driven this vehicle under XXXX miles since date of purchase. I use this vehicle to and from work where I commute with my XXXXXXXX XXXX. On XX/XX/XXXX the car shut down again, I've also had to XXXX next to everywhere for weeks, that is until XXXX XXXX  I was called to finally get loaner vehicle. Audi XXXX XXXX sent a tow company for my vehicle on XX/XX/XXXX, a week later I got to find out my vehicle was still in the tow yard cause Audi XXXX was closed when trying to deliver my vehicle. I was given a call a week after delivery to be told there is a part that needs to be ordered and I can come a loaner had to take an XXXX  to XXXX to get this loaner. Got a call last week that said the part was going to be probably in the shop around XXXX. This is now me going on a 2 months and a half without my vehicle. I went into Audi XXXX on XX/XX/XXXX and was told that the generator that was ordered came for my vehicle but now there is a fuel pump that need to be replaced due to a recall. on XX/XX/XXXX I got a call from Audi stating that they have the part and my car would be repaired which was the recalled fuel pump. I got another call stating there was a recommended service to be done on my car on XX/XX/XXXX. Then I got a text on XX/XX/XXXX stating that the engine light came on while performing the recommended cleaning and that I had to have the fuel pump replace again. I was refused a trade in, offered {$7200.00} in cash or trade in and I am requesting the full amount I have paid for this vehicle which XXXX XXXX is refusing to do. They sold me a car that is defective. I have paid {$48000.00} so far of my loan.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting erroneous information on my credit file
Complaint sub-issue: Personal information incorrect

They told me to fax an pics I did it multiple times I am tired dealing with equfax file lawsuits
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX2021 a {$2100.00} order was placed using my account and store credit card. Best Buy cancelled the order and told me to change my account password. This does not resolve the fact that my credit card number is compromised. I also have no information to help me determine if this is an isolated incident, either for Best Buy, or myself.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This is a XXXX Phone account I had YEARS ago. Yet they are reporting as if I just defaulted the account XX/XX/XXXX which is against the law. The account was set to drop off 7 years from when they started reporting it to my credit history which was XXXX. I dont know what its still doing showing up on my credit history but it needs to be removed instantly.
Complaint sub-issue: Was not notified of investigation status or results

hello, my issue is with IQ Data INT out of XXXX, WA i have sent several letters to them directly starting on XX/XX/XXXX no response i sent out another letter asking them to validate this alleged debt on XX/XX/XXXX 3rd correspondent sent on XX/XX/XXXX last one sent on XX/XX/XXXX and still nothing. this false unverified reporting is stopping me from moving on with my life after college i just completed. they are reporting that i lived in a complex and owe them and it is not true and reporting inaccuratley i have also sent letters to all 3 credit agencies, XXXX, XXXX, XXXX and to have gotten no response month after month. i just dont know what to do at this point to get a fair and accurate repsonse from this place reporting horribly on my credit report. i read somewhere that your agency could help me as a consumer. i hope so please help.
Complaint sub-issue: Problem with fees

In XX/XX/2018 I received a promotion by email from Commerce Bank to apply for a credit card with 0 % interests for 16 months and 0 % interests on balance transfers with NO balance transfer fees. The maximum credit limit offered was for {$15000.00}. On the application I asked for a balance transfer from a HELOC in the amount of {$25000.00}. My next communication from the bank was that I was approved for {$15000.00} and they would send me a card soon. When I received the card and documentation I was charged a 5 %   balance transfer fee of {$700.00} dollars and the interest fee time frame was changed to 12 months. I called the card company and tried to work with a local branch to get the fee waived and I offered to pay off the balance for a return of the fee. All were rejected. 

It is my contention that the card I singed up for and the terms and conditions I singed are not the same as what was provided. I asked for a copy of my original application so I could verify what I signed up for and was told it could not be provided because I applied online. 

All I want is to cancel the whole transaction and get my 5 % ( {$700.00} ) fee back.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand

that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and
made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Information belongs to someone else

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. XXXX XXXX XXXX. XXXX XXXX XXXX.
Complaint sub-issue: Attempted to collect wrong amount

The company did not give me the update billing statement after I pay partial amount. 

Also I am looking for the method about paying the rest of billing in a few month, but never find the way.
Complaint sub-issue: Debt is not mine

Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I recently received a letter in the mail notifying loans with a collection agency. After some research I found that two loans I had with Nelnet, loans " I '' and " J '', had been sent to collectors and set into default status. I was not notified of late payments or notice of approaching default status. After reviewing my personal records with corresponding information given to me via phone conversation, I found these loans had been submitted to default status in XX/XX/2016 without my knowledge. In my review, I found documentation sent to my address I've used for years with Nelnet, of a 60 days past due notice in XX/XX/2016 for the loans in question asking for payment before they became delinquent in total of 90 days past due, yet Nelnet had already sent to collections. I then made a payment in XX/XX/2016, as I was told this would help all of my past due loans from being delinquent. However, since I was not informed of " I '' and " J '' already filed as defaulted, this payment was not applied nor was it communicated that said loans were out of their hands. Now these loans have been in default for 3 years without my knowledge and have accrued almost {$2000.00} in fees and are being handled by a debt collector.
Complaint sub-issue: Reporting company used your report improperly

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Complaint sub-issue: Information is not mine

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According tot he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Cashing a check

I recently received a cashiers check from Discover and because of prior issues with bank errors and XXXX of my errors its hard for me to cash the cashiers check. I need the cashiers check which was already cleared to pulled back from XXXX XXXX they told me this would be the fastest way for me to get access to the funds. So I know this is not an easy task but I have been waiting over XXXX XXXX for these funds and I am on the verge of getting evicted. I would like to know if another form of payment like XXXX or wire transfer is possible since I have a hard time cashing the check since there are no physical discover banks available to me.
Complaint sub-issue: Account information incorrect

Two months ago, I paid off an installment loan as well as several credit cards. Both XXXX  and XXXX  increased my points by over 70 while Equifax deducted a lot of points. I have tried several times calling to speak with an Equifax representative, but have not been able to speak with a human. There is no reason why they should deduct points from my credit file, and I would like someone to investigate this matter to determine their competency level in regards to accurate credit reporting, and scoring.
Complaint sub-issue: Not given enough info to verify debt

I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against Vance and Huffman and XXXX XXXX XXXX. Once bureaus investigation was completed it came back the information disputed with Vance & Huffman was verified, no change and XXXX XXXX XXXX as new information. In receipt of this information I sent Vance and Huffman a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Vance and Huffman than replied with a letter saying they received my dispute for verification and to be advised that Vance and Huffman confirmed the name and address listed on the account as well as the amount due. XXXX XXXX XXXX has not responded to my request.
Complaint sub-issue: Account status incorrect

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern : I have filed 3 disputes just this year with Equifax, and 2 disputes with XXXX  and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to Equifax on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX  or XXXX and its well past the 30 period. I am submitting this complaint for Equifax due to lack of investigation into my original dispute and to XXXX and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Complaint sub-issue: Problem with customer service

On Tuesday XX/XX/XXXX I called Citi Bank for support on my credit card. 

The representative laughed at me, told me he couldnt provide the info I was requesting. Upon asking for a supervisor they continued to laugh. Told me theyre done with me and transferred me back to the queue. 

This person has access to ALL of my private info and still refuses to help. They laughed, mocked that I was out of state for a funeral and then essentially hung up by transferring me. I can only assume theyre stealing identities as they are clearly not being a customer service rep. They claimed they couldnt help with any of my XXXX  requestsAnd did everything in their power to escalate the situation like laughing at me, refusing to connect me to a supervisor. Refusing to provide a 10 day pay off and the address for check payments. 

The next representative assisted with all XXXX requests. This is clearly a problem with a representative that is not going to be addressed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/XXXX my loan was transferred to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

My loan was with XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX never mentioned XXXX XXXX XXXX XXXX to me in XX/XX/XXXX when I inquired. I told them that I am a victim of identity theft/fraud. 

XXXX XXXX XXXX sent me a detailed explanation of the transfer. XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX XXXX XXXX is a division of XXXX XXXX XXXX. Their corporate office that is located in XXXX Texas. 

I was given a detailed explanation. Also I have a copy of my Deed of Trust from XXXX XXXX. It was added to the XXXX County register office XX/XX/XXXX. The number is XXXX. I paid that loan off, the amount of the loan was {$11000.00}. XXXX XXXX XXXX did not report this to XXXX XXXX XXXX XXXX when they transferred the loan. 

The original parcel property tax number is XXXX. This was recorded in XXXX County register office. Lot XXXX, plat book 64 page 33. I purchased the property from XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. 

The address is XXXX XXXX XXXX XXXX Tennessee XXXX. The parcel property tax have been changed. XXXX XXXX Paid taxes on the property and did n't report to IRS. 

XXXX XXXX XXXX XXXX XXXX paid property taxes on the property and did n't report to IRS. Yet my personal information was being used fraudulently for years. 

All of these things were being done while I was under wage earner. Government documents were being tampered with by person/persons unknown without my knowledge. 

Yet XXXX XXXX XXXX XXXX took my home with the help of Attorney XXXX XXXX in XXXX TN. XXXX XXXX XXXX did not notify me of my loan being transferred. 
I just learned of this XX/XX/XXXX. I was given a detailed explanation of transfers. 
All three were internal transfers. From XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. The same loan number was used. Three different Federal Identification numbers was used to report to IRS. 

I never would have known if it was n't for Consumer Financial Protection Buearu. 

My mail was being stolen through United States Postal Service for years without my knowledge. If XXXX XXXX XXXX mailed this information to me. 
The Bank sent this information to me upon request in XX/XX/XXXX.
Complaint sub-issue: Received bad information about your loan

I requested to be considered for TEPSLF on XX/XX/2018. I was denied forgiveness under that program on XX/XX/2018 and the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. The monthly income-driven payment amount calculated using your information on file was {$350.00}. A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This reason for denial does not make sense since my last payment WAS {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
Complaint sub-issue: Reporting company used your report improperly

COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )
Complaint sub-issue: Information is not mine

I recently disputed inquiries in my credit file which were not initiated by me. Equifax place these eroneous inquiries in my file instructing me to contact the creditor. If I did not contact the creditor to have them placed there why is the burden placed upon me to have them removed instead of the reporting agency, who caused this error to began with. Not only is it illegal to provide false information it is also making it harder to gain new accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX, XXXX XXXX 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 do n't 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 someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Sincerely, XXXX