Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

ECMC on the behalf of its servicer XXXX will not furnish proof that they own the debt and I owe the debt. I have requested original documents from the original creditor that were executed and authorized by me, however ECMC ( & XXXX ) have failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. 

In addition, I requested a copy of the contract agreement that gave authorization for ECMC to be my guarantor, when I never signed any agreement initial with ECMC nor XXXX. Both companies have failed to respond to my request and confirmed that they can not. ( See attachments ) ECMC has furnished an account number that does not establish its affiliation with original creditor loan number. As well XXXX furnishes a different account number. Through discovery under the FCRA & FDCPA all accounts must accurately correlate and have an affiliation with the original creditor loan number existing.
Complaint sub-issue: Investigation took more than 30 days

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Complaint sub-issue: Account terms

Equifax is showing a derogatory account on my credit report with no creditor name. Please see the attachment.
Complaint sub-issue: Information belongs to someone else

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
Complaint sub-issue: Public record

I have presented an Afidavit from XXXX XXXX XXXX XXXX regarding an erroneously reported {$1300.00} State Tax Lien that simply states that the lien should never have been posted and has officially been deleted from their records. In addition, the court asks that all credit bureaus remove the lien in the public record 's section as it never should have been picked up the bureaus. Both XXXX and XXXX immediately removed the lien and my scores rose close to XXXX points. Equifax refuses to comply, refuses to escalate my calls, emails, and mail to a supervisory level and refuses to offer an explanation or afford my wife or I the opportunity to discuss. I have also filed a complaint against Equifax with XXXX XXXX XXXX, Chairman of the XXXX XXXX. Equifax 's XXXX Mortgage Score XXXX is below my mortgage loan threshold so I 've had to personally spend my IRA money to finish my retirement home after 40 years of XXXX. Equifax 's refusal to comply with the XXXX XXXX of XXXX XXXX will cost me more than {$2.00} XXXX of my life 's savings and IRA. Their ability to negatively affect any US citizen 's life without any accountability is unacceptable. In my opinion, the laws regarding the for profit credit bureaus need to be changed and Equitable should lose their right to issue credit ratings. Essentially, they are ignoring the court 's request, for no valid reason, and seriously affecting my life. They seem to be going out of their way to destroy my finances ... because they can.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

Equifax sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the XXXX note was paid in full, Equifax is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score XXXX ( XXXX ) points.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint about being ignored. This is false reporting misleading reporting information please delete.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint and Equifax accused me a of being a credit repair company, as stated before I am a victim of identity theft
Complaint sub-issue: Information belongs to someone else

I could not submit a complaint with XXXX it would not submit my complaint about aqua finance for the amount of {$7200.00} total payback the original loan amount was for {$6000.00} dollars, date of loan XX/XX/2012. Loan type : installment sales contract which is used for purchasing machinery or large equipment so I would like a copy of a deposit to my bank account for that amount or a copy of a cashed check, a copy of a invoice or title copy for any machinery or large equipment that a installments sales contract is used for, and I would like a copy of this installment sales contract and a deletion of this false record by aqua finance or they made some terrible mistake, but it is a defamation of  character to my credit record so can you help furnish proof of all the records I'm requesting?
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

XX/XX/XXXX XX/XX/XXXX tried to pay back the loan but charged me outrageous rates.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

XX/XX/2018 I Called Lending Club and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO TWO PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT 30 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
LENDING CLUB HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
3RD WEEK OF XXXX I CALLED LENDING CLUB EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A LENDING CLUB EMPLOYEE THAT THE 2 STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU
Complaint sub-issue: Received bad information about your loan

I'm a cosigner on a loan with XXXX. We've been trying to refinance our loan with another private lender due to horrible customer service ( they will not answer questions and avoid them at all costs over the phone ) and extremely high interest rates 11 % +. 

We sent in an application to refinance with another company and one of the things the requested was an official document from XXXX saying that the loan was current. We had just paid the monthly balance for the XXXX loan and requested a document that said that we paid, and XXXX said that it would take them about 10-14 days to be able to give us the document so that we could be approved with the other company. We called multiple times to see if they could speed up this process, but they said this is official procedure and that it takes that long to be able to send it over. By the time we got the document we needed from them, the loan was now overdue again and we had to repeat the process all over again. It was pretty clear to us that they wouldn't send over the document in a timely manner so that we couldn't refinance the loan with another company. This process repeated for 2 months until we finally got the document needed so that we could move to another company. 

Then, after we got approved with another company, the new lender tried to pay off the balance of the loan - however XXXX will not take an electronic payment and requires a check to be sent through the mail. When I called XXXX to see why we still had a balance on our account, they said it's because it takes them XXXX days to process the check and that the balance will be reflected once they cash it XXXX whenever they decide to do so ). I asked them if they had received the check already being it was sent last week and they wouldn't tell me if they did. They also said that I'm accruing daily interest, even though the check has already been sent to them, and I'll have to pay that interest until they cash the check. The problem is that they won't tell me if they have the check, or when they'll cash it, and they're threatening to report me to a credit agency even though there's a check for the full amount of the loan already in the mail ( or in their hands XXXX. 

I've tried asking simple questions multiple times such as " do you have the check yet '' and/or " what dates would you report me to the credit agency on '' and all the say is they can't answer those questions. 

It's pretty clear that they have all of these policies in place to make it as difficult as possible to refinance with a different company and continue to collect more money from customers without the ability to pay off the loan in full ( in a timely manner ).
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending letters to equifax for almost a year to remove inaccurate information from my reports. The inaccurate information was removed from XXXX  and XXXX over a year ago but Equifax still has not removed it and will not send me a response. This is hindering me from opening a bank account, getting approved for accounts and I sent several letters to them letting them know the information they are reporting for me is inaccurate.
Complaint sub-issue: Problem with rewards from credit card

On XXXX XXXX, 2022, I was booking an airfare on XXXX and was offered a Citi XXXX XXXX XXXX XXXX XXXX XXXX  Card on the screen during that process. The offer was for a {$250.00} AA Statement Credit towards an airfare, and XXXX bonus XXXX XXXX  points after {$2000.00} in purchases. I applied and I was approved for that offer and card. 

After a month, I called Citi to enquire about the status of my {$250.00} credit and XXXX points. They told me I do not qualify because I had another Citi XXXX XXXX Card within the past 48 months. 

When I asked the Citi customer service rep when I had the card, she could not find a record. I told her that to the best of my knowledge, I have not had this card in the past 48 months. I even logged onto my credit report while on the phone and couldn't find any Citi cards within the past 48 months. The rep stated that this must be an error, and filed an internal dispute. 

Today I received a letter from Citi declining to offer me the XXXX points and {$250.00} bonus. I would have never signed up for the card had I known this. Furthermore, they are incorrect - I am qualified for this card because I have not had this card in the last 48 months.
Complaint sub-issue: Can't use card to make purchases

Starting last month, XX/XX/2021, after multiple years of having this Macys account, they are preventing XXXX XXXX XXXX from making purchases online stating authorization holds even though Macys has repeatedly cancelled online purchases about 10 times in the last two months. 

XXXX XXXX XXXX is a co card holder, and can prove that hes been able to buy the same items in store off the shelf and ordering with a clerk online in the store, that Macys cancelled online. Worse Macys is not updating the available balance for multiple weeks after payments have been made, returns have been made, cancelled online orders by Macys etc. The available balance keeps deducting without lawfully updating the account to current. They keep issuing billing statements with wrong available balance that doesnt match with current balance. 
This happened last month and they promised this wouldnt happen again, ona legal phone call recording that, we, XXXX XXXX XXXX and XXXX XXXX XXXX have an are withholding for our evidence. 

Balances are required to be updated immediately not weeks later. 

We are very concerned that Macys admitted in an online chat on XX/XX/2021, which is attached to this complaint, that there are authorization holds. 

No explanation for this. Only reason there would be any authorization holds on an account, would be stating theres a illegal conservatory accessing our account without our knowledge. 

By definition of having this card there shouldnt be any authorizations required. This card had a {$7300.00} limit, which proves authorizations are not required. Theres no such thing as authorization required to make online purchases. 

We dont accept this unlawful response. On time payments for over 4 years. This has been happening for the last couple months now. Doesnt make sense. Especially when a instore clerk can order an online purchase for XXXX but Macys wont allow it to personally done online. 

Whats the problem? Why is this happening all of a sudden? Authorizations doesnt exist. 

This complaint doesnt require a phone call because Macys isnt putting anything in writing besides the admittion through the Macys chat. 

Why is it taking weeks to update available credit usage and balances? Why is this happening all of a sudden? Why is Macys preventing online purchases? This has never happened. 

Why is Macys not following fair credit reporting act. 

Phones calls were already made, and it didnt resolve anything. Screen shots of this online chat is attached We, XXXX XXXX XXXX and co card holder XXXX XXXX XXXX XXXX all rights as pro se.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

unlawfully add inquiry to my score
Complaint sub-issue: Problem making or receiving payments

Trying to use XXXX  to invest once baks accounts but they blocked it
Complaint sub-issue: Deposits and withdrawals

Discover bank reversed two deposits from XXXX XXXX, but my XXXX XXXX account does not receive them. I personally think this is Discover 's problem, because they can not provide enough evidence to prove that the transactions really exist. I called many times, and Discover 's representatives gave me inconstant reasons. I also contact the XXXX XXXX customer service, they can not see any reversed deposit in my account, and they insist that they do not request any reversal. If they do not request the reversal, that will be Discover 's issue. 

XX/XX/2020 Reversed ACH deposit from XXXX XXXX  {$40000.00} Reversed ACH deposit from XXXX XXXX  {$50000.00}
Complaint sub-issue: Old information reappears or never goes away

Jefferson Capital says active in XXXX and opened XXXX and reported in XXXX as current.I need this off and removed from my report.Its been 7 years.I am not associated with anything with this company.Im not sure if its been sold without my consent. XXXX XXXX are not a company that I have been with.Open date says XXXX from an original dateXXXX & XXXX has been sold without my consent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement. 

This issue was submitted to the CFPB with no action or direct response to my issue. A general statement was your companies response which is unacceptable.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect, and they are adversely affecting my livelihood. 

Inquires : XXXX XXXX XXXX Charge Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Complaint sub-issue: Account information incorrect

YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at 30 days and you have it starting at 90 days late. There are only 28-31 days in a month so how could I be current on payments one month and 90 days late the next month. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.