Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

My husband and I had a loan with Lending Club which charged off around XXXX of XXXX. I contacted Lending Club in XXXX of XXXX to make arrangements to resume payment. I was advised that the debt had not yet been sold and that I could resume making payments. I resumed the loan with a payment in the amount of {$1700.00} on XX/XX/XXXX. I began a subsequent monthly payment schedule for the next 6 months at the amount of my original payment which was {$280.00}. I made these payments starting on XX/XX/XXXX until XX/XX/XXXX. When I set up the payment plan, I asked if I could schedule additional payments. I was informed that they could only schedule 6 payments at a time. I called back at the end of XXXX or early XXXX and scheduled a payment in the amount of {$560.00} which was paid on XX/XX/XXXX. I called back on XX/XX/XXXX and schedule a payment for the remaining balance which was in the amount of {$2300.00}. The payment was processed on my account on XX/XX/XXXX. At this time, the loan was paid in full. At the end of XX/XX/XXXX, I began receiving calls from a collection agency called XXXX XXXX XXXX XXXX XXXX. I advised them that the debt they were calling in reference to had been paid. The representative informed me that it had not been paid and maybe I had another loan. At the time, I reached out to Lending Club to try to figure out what was going on. The representative told me that I needed to speak with the collection agency regarding my issue. I advised the representative that the problem was that I had paid this loan off with Lending Club and that it was sold to a collection agency months after the payment was made. The representative acknowledged that she saw the payment, but insisted that there was nothing she could do. When I asked how I could go about disputing the information, she told me that they did not have a dispute process. I requested to speak with a manager and she stated that there was no manager available because she was working from home. She advise me that she would have a manager call me. I never received that call. After I spoke with Lending Club, I contacted the collection agency to see how I could dispute the item with them. The representative informed me that they do not have a dispute process. He advised me that the best they could do is not contact me, but that would not mean I did not owe them the debt. I subsequently received a notice from them with my loan agreement attached. I have also tried disputing this account 2 times with the credit bureaus and still Lending Club is refusing to correct the mistake. While I admit that the initial failure was mine, I did everything in my power to remedy the issue and make Lending Club whole. I am just asking for the same courtesy. I have been trying to get this matter resolved for 4 months with no success and an apparent unwillingness from Lending Club to correct their error.
Complaint sub-issue: Problem getting my free annual report

The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen.
Complaint sub-issue: Public record

I have contacted the courts and they stated the removal of all these bankruptcies case # XXXX. They are all reported on XXXX credit reporting agency and that is Equifax. That is strange to me when the courts stated they deleted them from all XXXX credit reporting agencies. Equifax has broken the law because I have evidence they were removed from all XXXX of the credit reporting agency last year.
Complaint sub-issue: Information belongs to someone else

My Id was stolen and I have never been able to get these items removed from my report. I hope you guys can help me.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30dayXXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Charged too much interest

I have been trying to resolve issue with my account with Citibank since XX/XX/XXXX. My account has been enrolled into Debt Management Program since XX/XX/XXXX and I was paying out my outstanding balance since then. I contacted Citibank a numerous times to resolve an issue with interest charges that a creditor charges me every month for cash advance transaction in the amount of {$54.00} that was posted on my account in XX/XX/XXXX. After careful review of my billing statements since XX/XX/XXXX, I noticed that Citibank charges me extra interest, average monthly interest charge for the above cash advance transaction in the amount of {$0.00} every month. My research shows that a creditor calculate an average amount subject to interest charge is {$66.00} and this amount has not been changed since XX/XX/XXXX. Since XX/XX/XXXX my cash advance transaction was paid off and I paying additional interest charges due to Citibank cardmember agreement. All my attempts to resolve an issue with Citibank were unsuccessful. 
The last time I contacted Citibank on XX/XX/XXXX and I spoke with Payment Arrangement department. The representative name XXXX reviewed account information with me and provided the following explanation why my account is still accruing interest charges for cash advance transaction. She stated that according to Card Agreement, they will apply the minimum payment due to interest charges and transaction fees first, then to cash balances in order from lowest to highest. She also mentioned since my account enrolled into DMP in XXXX and my Annual Percentage Rate was lowered to 9.9 % it will take longer time to pay off cash advance interest. I completely disagree with this explanation and I am trying to resolve the above issue with Citibank second lever management. I was advised that someone from CCG department will contact me within 2 business days and I have not heard back from them. I have been trying to call back and I asked to speak to department supervisor and I was advised that supervisor is not available and someone will call me back again. I spoke to 3-4 different representatives. I have received a letter in the mail from Citibank dated XX/XX/XXXX that has been informed me they have completed their research regarding a recent issue and asked me to contact them back, son they can provide the results of their research The letter was signed by Vice President of Citibank, NA XXXX XXXX. 
I have been trying to call the number listed in the letter and reached different department who has no information about my account since my account has been closed. They transferred me to another department who is unable to assist me neither regarding my account and their research.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile in XXXX. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I Have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Under Sec. 602 I Have A Right To Privacy 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
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$6900.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XXXX of 2021 I filed a dispute with XXXX, Equifax and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have asked for Equifax to investigate two inquiries one from Equifax Mortgages and another from XXXX XXXX. The have refused to do so even after I have told them that the injuries are fraudulent.
Complaint sub-issue: Information belongs to someone else

DISCOVER BANK, Inquiry : XXXX XXXX, 2019, XXXX XXXX, 2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Investigation took more than 30 days

FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsFirst American Real Estate Solutions, LLC ( " FARES '' ) has agreed to settle Federal Trade Commission charges that First American CREDCO ( " CREDCO '' ), now a division of FARES, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by CREDCO. FARES is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California. 
FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : 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
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a Visa Platinum Card in the mail today. I did not apply for the card and there is no indication of an application number. Regardless, I did not apply for or want this or any card from First National Bank. A scan of the letter ( with card ) is attached ( XXXX XXXX - First National Bank.pdf ). It appears that XXXX XXXX XXXX XX/XX/2018 may be the source of the application.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Fees charged for closing account

I closed my account with US Bank several years ago and now I can not open a bank account with any bank until I pay US Bank {$330.00}. I closed my account on good standing and this has only become a problem with other banks within the last year. They said that they can not tell me why I owe the money as it has been too far back ( 2014 ), but that I owe {$330.00} and the only way that they can remove the debt is for me to pay it in full.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Last XXXX, XXXX, we received a letter from US Bank that our loan for a XXXX XXXX XXXX XXXX was paid off. My wife and I had not paid off the loan and spent many hours and phone calls notifying them this was a mistake or fraud. After many hours trying to straighten it out, they said they applied a loan payment to our loan from someone else on accident and that it had been fixed. Turns out it had not been fixed. 
Recently, XX/XX/XXXX, we decided to sell the trailer. After finding a buyer and taking a deposit to hold the trailer until title release, I took a cashiers check from XXXX XXXX to US bank to pay off the loan. The amount was {$20000.00}. That was on XX/XX/XXXX. They said they could not process the loan payment in branch or enter it into the computer. They gave me a handwritten receipt. After 8 days, the loan had not been paid off and the title had not been released. The branch manager notified me things were taking longer because of Covid issues. On Friday, XX/XX/XXXX, we spoke again and she said that their lean had been released to my wife and I accidentally in XX/XX/XXXX. I did not believe them and was very concerned because of what had taken place in XX/XX/XXXX with the false payment. I called a DMV registration services business and gave them the VIN #. US Bank had given lienholder status to the fraudulent company from the previous year and returned their false payment back to them in addition. We have been making loan payments to US Bank for 9  months and they had turned over lienholder status to a company named XXXX XXXX XXXX somewhere in the east coast back in XX/XX/XXXX. I called them and told them about the mistake but can not get any answers from them at this point. I do not know how to right this ship or get my title from them at this point. Needless to say, I am very angry.
Complaint sub-issue: Debt is not yours

I was contacted by XXXX XXXX XXXX about a doctor bill I told them I wasnt seen there on that date. They said my grandson name i said he is grown XXXX and i am not responsible for his Bill 's. He moved out my house at XXXX. They put his bill on my credit report. I disputed it and they came back and said it was my debt. He is own his own and grown and I am not responsible for his bill. He has no XXXX and he is a grown working man. I am upset that this collection is on my credit when clearly I wasnt seen on this day nor was I present with him.
Complaint sub-issue: Information is missing that should be on the report

Equifax is not reporting one of my credit cards, the oldest one with higher limit, which hurts my score. My credit card, XXXX, says they report to all agencies, and it does show on my XXXX, but not Equifax. I tried getting a new card and they pulled my equifax report, I didn't get it and now have a new hard pull. When I tried calling to solve they said they wouldn't be able to do it over the phone and I would have to send docs via fax, which is absurd. They keep all our information, they lose it, they affect our life, and when we try to call them they don't help. It's amazing how much power you still give to the reporting agencies.
Complaint sub-issue: Funds not handled or disbursed as instructed

My checking account was closed when I filed a dispute after my card was stolen and {$2800.00} came up missing. I had to fight to get MoneyLion to investigate and reimburse the {$2800.00} and when they did they close my account and issued a check XX/XX/XXXX that stated it was valid for 180 days. When I went to go and deposit that check into a financial institution they informed me the check was no good and that money lien said that they would not be issuing the funds so basically they wrote me a bad check and are not giving back my money in a timely manner. How is it that a bank issues a bad check? I need to get my money back to me and they need to add {$40.00} on for a return check fee
Complaint sub-issue: Personal information incorrect

I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the XXXX Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$1800.00}
Complaint sub-issue: Investigation took too long

redit disputes were submitted by mail certified on XXXX XXXX 2015 and were received by XXXX XXXX 2015. I was emailed the results of my credit report on XXXX XXXX, 2015. However, when I pulled the credit report it had XXXX XXXX 2015 on it but this is not when I received it. It shows yet another date on the dispute resolution with a start date of XXXX XXXX. Since it was pretty quick to send this by email. I should have received this on the XXXX of XXXX 2015. It is much quicker than mailing it out so it should not have been a problem. Why date the credit report for XXXX days earlier and it was not sent? I am attaching the email showing that I received this on XXXX XXXX 2015 at XXXX. I am requesting to have all negative credit information I submitted to you to be permanently deleted from my file per the Fair Credit Act or the credit bureau can be charged {$1000.00} for each item I am attaching a copy of the email I received on XXXX XXXX, which was dated 2015 dated for XXXX XXXX. Also, I would like both XXXX and XXXX notified as well. This is false information. Email takes seconds to send and not days. I am also attaching the letter that I originally sent and I am scanning the certified mail information and attaching that as well.
Complaint sub-issue: Received bad information about your loan

Fedloan stated that they processed my refund for my student loans, but I have yet to receive a refund after 3 months. I followed up with them many times. I also recently learned they switched my servicer to XXXX and I will have to start the process all over again, delaying the process and causing me to possibly pay interest on loans that were already paid off and requested to be refunded due to the new forgiveness program.