Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Application denied

I APPLY FOR A BEST BUY STORE CREDIT CARD, IT WAS DENIED WITH NO REASON WHAT SO EVER, MY CREDIT IS OVER XXXX, AFTER 2 WEEKS I GET A LETTER ( IN XXXX ) SAYING THAT THE LENDER WAS CITIBANK NA AND THEY SEND A NOTIFICATION SAYING THAT ''THEY HAD DECIDED NOT TO OFFER ME ANY TYPE OF ACCOUNT SERVICE '', WHY IS THIS? 
I DID CALL BEST BUY CREDIT SERVICES TO XXXX AND THEY SAY THEY HAVE NO MORE INFORMATION ABOUT THIS, I ALSO CALLED CITIBANK, THEY TRANSFER ME MORE THAN 3 TIMES TO DIFFERENT SECTIONS AND NOBODY COULD EVEN FIND MY NAME OR MY APPLICATION, SO I DECIDED TO WRITE A LETTER TO BOTH COMPANIES, BEST BUY AND CITIBANK, OF WICH NON HAVE ANSWERED BEST BUY REFERENCE # XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXXXXXX 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 XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Their response is 30 days late, and I have not received a response yet. Please remove these items from my credit report that were originally disputed with the company.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX Late Date XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

On 3 separate occasions I have attempted to remove a fraudulent address from my credit report at Equifax. I have filed the dispute process twice and never received any indication from Equifax it has investigated or removed the address. 

Today, I pulled my credit report and the address is still shown at Equifax. I attempted file another dispute, but, it will not let me as it says a dispute has already been filed. I attempted to call Equifax to resolve this and/or find out when this will be resolved. I can not get through to an agent. 

I am very frustrated by this and would like this removed ASAP. I suspect its fraudulent and Equifax is ignoring my requests to resolve this perpetuating the fraud.
Complaint sub-issue: Account information incorrect

The attached confirmation of payment of XXXX made on XX/XX/XXXX further validates that the XX/XX/XXXX and XX/XX/XXXX entry of 90 days late reported to all credit bureaus is invalid and I am requesting immediate removal.
Complaint sub-issue: Investigation took more than 30 days

The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.
Complaint sub-issue: Was not notified of investigation status or results

first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, XXXX XXXX XXXX a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I did not give prior written consent to have anything furnished on my credit report, reported below. No consent is fraud pursuant to 15 US Code 1681b Permissible purpose of consumer reports.
Complaint sub-issue: Received bad information about your loan

I was told during the pandemic that loan payments were suspended until XX/XX/2021. This is listed on Nelnet 's website. However, Nelnet reported my account late to the credit bureaus causing significant damage to my credit. I am on social security XXXX and recently overpaid in XX/XX/2021. I have never been late on my bills. I called Nelnet in XXXX and was told they can not remove the negative reporting.
Complaint sub-issue: Information belongs to someone else

As per the federal law under FCRA, if there is an error in their report they have the right to fixed it right.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAD FRAUD DONE TO ME AND I DID NOT DO THIS HARD INQUIRY DETAILS
Complaint sub-issue: Unable to open an account

To Whom It May Concerned : A : On XX/XX/2020, I received letter notifying me that my checking account at US Bank was cleared. The letter stated that ChexSystems @ would be contacted. 
B : On XX/XX/2020, I paid XXXX XXXX XXXX a cashier check of {$140.00} to complete any penalties on my checking account. 

C : On XX/XX/2020. my application at XXXX XXXX for a new checking account was denied, because XXXX @ hasn't cleared my status. 

1. ) Therefore, could you please expediate the updating of this information on XXXX @, so I can open up a checking account ASAP. 
2, ) Could you send me the results 3, ) To Both : XXXX or XXXX 3., ) My Name Is : See attached pdf files for confirmation of payments and clearance of my accounts. 
Please expediate any other issues that you may find. 
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX, XXXX and Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, XXXX and in XXXX XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX filed a XXXX notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit. I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also XXXX XXXX various FCRA violations in the handling of this account. They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.
Complaint sub-issue: Talked to a third party about my debt

Contacted another individual about a debt that they say I owe. Never have they send me a written verification of who they are, who the debt belongs to. They openly shared my name, DOB, and medical facility that I went to.
Complaint sub-issue: Debt is not yours

You are in direct violation of several sections of 15 USC 1681.

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately.

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. 

I demand that you remove the following accounts : I C System ( XXXX XXXX XXXX Opened : XX/XX/2020 2020
Complaint sub-issue: Debt is not yours

Jefferson Capital System, Address, XXXX XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices in the about amount of {$4000.00}. XXXX XXXX, aaddress, XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( {$250.00} ). XXXX XXXX, address XXXX XXXX, XXXX TX, XXXX, ( {$710.00} ). The amount of theses collection has been reported past due. I do not know these companies. These companies do not have my signature.
Complaint sub-issue: Can't close your account

We have two old business credit cards which were transferred from a different bank into XXXX XXXX XXXX. We no longer bank with Key Bank. 

We have called and written Key Bank merchant services on a number of occasions to notify them that we wish to close the old credit card account. 

They told us that we need to notify them in writing ; we did. Then, they told us that due to increased measures against identity theft, we need to call them to close the accounts ; we did. Now, in their most recent letter, they told us that we need to visit our local branch or contact a different phone number in order to close the accounts. 

On XX/XX/XXXX, we called merchant services, and we were told that the accounts are closed, and yet, we continue to receive bills. 

This is a scam. They are trying to keep this credit card open to collect fees.
Complaint sub-issue: Information belongs to someone else

Please help! I am submitting this complaint in regard to the negligent and unauthorized reporting of fraudulent accounts on my report. I have submitted an FTC complaint and affidavit alongside my proof of identity. I have submitted all documents in accordance with section 605B of the FCRA. The act does not require any extra information. Please remove the account with 4 business days of receipt of this complaint. I have mailed out a complaint directly to your company to the CFPB as well. Please comply with the law. Thank you!
Complaint sub-issue: Information belongs to someone else

I have contacted the creditors and all 3 major credit reporting bureaus to correct the information on my credit profile and none have provided any remedy for the fraudulent and incorrect statements reported on my credit profile.
Complaint sub-issue: Didn't receive enough information to verify debt

Americollect has been attempting to collect an already paid debt to XXXX XXXX XXXX in XXXX, Washington. in the sum of {$250.00} Dispute attempts by phone were met with associates explaining to me that I could not file a dispute or require validation by phone ( which they are legally required to provide ) and may only communicate with the dispute department via email. 

I emailed Americollect and requested a cost breakdown and validation of this debt, I only received an email that stated " we have verified that you owe this debt ''. without the required breakdown of costs associated with it. 

When I attempted to dispute during the first call, the operator stated " I don't see why you would be willing to let this damage your good credit. '' due to this, I feel as though my credit was being directly threatened by a representative of Americollect on XXXX behalf. 

Americollect also intentionally misrepresented this debt as a retail debt and not a medical debt to credit bureaus. 

According to the laws in place by the XXXX XXXX XXXX, they are in violation of the following items : The willful misrepresentation of the type of debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
The threat to take any action that can not legally be taken or that is not intended to be taken The false representation or implication that accounts have been turned over to innocent purchasers for value. 
The false representation or implication that documents are not legal process forms or do not require action by the consumer. 

In addition to the violations above, I believe that this was reported and misrepresented willfully with the intent to damage my credit 's good standing and prevent me from meeting credit-based goals.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Complaint sub-issue: Information belongs to someone else

This is a complaint against timeshare XXXX XXXX. The people that I remember dealing with or were involved with this were XXXX XXXX & XXXX XXXX. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up, and even said it can go up {$29000.00}. We were alsotold that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for me but we were never properly educated of the fees involved. Everything was rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. They have our ID during this process. They offered us gift vouchers. We weren't properly informed how to cancel. We didn't even know how many days to cancel. I was XXXX and my wife was XXXX y/o at the time and we feel like our ages were taken advantage of. We have medical conditions such as XXXX, XXXX problems, XXXX  XXXX  etc & having this timeshare just doesnt help, it just gives us financial difficulties. Plus, they will keep on calling everyday. Having this timeshare just causes us stress plus the current problems and issuses we have due to XXXX. Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.
Complaint sub-issue: Loan sold or transferred to another company

We purchased Tesla model XXXX XXXX XXXX XXXX We paid XXXX XXXX down, traded one car and took a loan of {$45000.00}. The contract was between me, my wife and Tesla motors Inc. The contract specifies terms of loan and when the payment starts. It does not mention any 3rd party that will service this loan. Till date there is no communication from Tesla that our auto loan will be serviced by 3rd party and who is that 3rd party. Since we paid 50 % down Tesla had my bank information and we were told that we will have auto pay for the loan. 

Last week when checking my XXXX XXXX I realized that around XX/XX/XXXX my score is severely impacted. I could not find any details, so I logged into XXXX and found that XXXX XXXX XXXX has put charges on me as I was 90day past due on auto loan. Then I searched for communication from XXXX XXXX and found an email from them in spam around XX/XX/XXXX saying that they will service our auto loan. It could have been any other bank and we would not know as Tesla did not tell us who will service the loan. We get tens of promotional emails from XXXX XXXX every month and it goes in spam. My wife also did not receive any email from Tesla motors on 3rd party loan service or from XXXX XXXX that our loan was going delinquent. 

I called XXXX XXXX on XX/XX/XXXX and they told me that my loan contract is cancelled in XX/XX/XXXX when we were 90 day late and I have to pay the full loan amount of {$45000.00} + pay off amounts. Then I checked my email around XXXX XXXX to check whether XXXX XXXX sent me any delinquency notice before cancelling my loan. There was no email from XXXX XXXX during that period. They have not send me any email since then. 

Similarly Tesla has not communicated till date that XXXX XXXX will service our loan. 
How do we know that XXXX XXXX is legitimate. If I pay them {$45000.00}, and tomorrow some other bank comes and say that I owe them money then what will I do. 

This is gross communication negligence that has impacted my credit score and will impact me financially. Paying the loan was not an issue, but we need clear communication from Tesla as to who will service the loan so that we can keep an eye for it.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, EQUIFAX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There is inaccurate information on my credit report. All credit bureaus are not reporting the same information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent Equifax multiple requests asking for them to identify the random account number they have listed without a name for the original creditor or the collection company they claim owes the debt. It is the XXXX XXXX XXXX 's job to provide consumers with fair and accurate consumer reports. When requested, why is Equifax not providing me with the information I am requesting on an account they have decided to add to my report with no accompanying information? This is not fair and accurate reporting and this account needs to be removed for its inaccuracy.
Complaint sub-issue: Reporting company used your report improperly

On XXXX/XXXX/XXXX, substandard security at Equifax allowed hackers to possibly access my credit report, social security number, credit card number, and other personally identifiable information. I was not informed of this until XXXX/XXXX/XXXX. I was not informed of this by Equifax, but rather learned about it through a personal finance forum I follow online. I say that my information was " possibly '' accessed, because at this point in appears that Equifax 's site for determining if you are part of the hack is giving out random responses XXXX as reported by XXXX XXXX. Perhaps this is related to Equifax suggesting the use of their own security tracking system on that site. 

I have had to freeze my credit as a precautionary measure, although that will probably not protect me from identity theft given that the hackers are sure to know how long the freeze will last. This cost me {$5.00}. Not much, but how many people have frozen their credit because of this hack, and how much have the credit reporting companies made off those freezes? How much did the Equifax executives make off their stock sale just prior to the announcement of the hack?
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX