Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2019, I was charged twice for an auto loan payment. The merchant, ( XXXX ) refunded and canceled the payment back onto the prepaid card that day. Upon further waiting on the refund, I called XX/XX/2019 and the prepaid card company ( Card.com ) informed me that I would need to wait 3-7 business days for the funds to be applied back to the card. I was also informed if I wanted the funds sooner, I would need to do A Merchant Hold Letter basically stating a reason why they need to manually override the pending transaction. I had asked to put them on hold and do a 3-way call so my auto loan representative ( XXXX ) can get the proper information to faxing what they needed. It was faxed on XX/XX/2019 approximately at XXXX XXXX. I also submitted a email receipt from the auto loan stating the cancellation of the payment and refundable amount to the card. It is now going into XX/XX/2019. I had called again that XXXX and spoke to a representative ( Card.com ) about the refund. I had asked if they received the faxed from my auto loan people and I was informed that once faxed, it would 24 to 48 hrs to do a verification and if approved, they would override and release the funds. I had called back again same day to see about the fax and approval to getting the funds released. I was informed that I would now have to wait an additional 30-90 days for the investigation to be completed. I had asked why does it need to be investigated when I all the documents where accurately sent. I was told that it was a disputing transaction or refund would be applied back to the card no later than XX/XX/2019. I told the representative ( Card.com ) that was not accurate information that I was told in the beginning. The representative ( Card.com ) continuously repeated him/herself and wasnt trying to resolve my case based on what was said at first. I was placed on hold for hours at a time, I was disrespected, they hung up on me and rudely interrupted me while explaining my concerns about the refund. I am now seeking other means to regaining the funds thru this complaint.
Complaint sub-issue: Investigation took more than 30 days

I have been in contact with Equifax credit bureau sending them letters in regards to disputing an account on my credit report. The first letter was sent, XX/XX/XXXX, then another letter was sent on XX/XX/XXXX, another letter sent XX/XX/XXXX, and another letter sent XX/XX/XXXX, and the last letter sent to them was sent on XX/XX/XXXX. 
Yesterday, I received a letter from them dated XX/XX/XXXX, stating that the identification information I provided them does not match their records and then they requested me to send vertification of my identification and current address. My address and identification has not changed since my first letter was sent to them on XX/XX/XXXX, so how all of a sudden can they not find my credit report when my personal information has not changed. They are also taking 2-3 weeks to answer a letter and then send me notification that an investigation is taking place. This is now causing a debt question or validation or anything sent to them taking 45 days or longer to get a response from them or from the creditor. I do not feel this is acceptable and needs to be changed on their end immediately. I have a copy of my Credit file that was sent to me by them with a date of XX/XX/XXXX and a Confirmation # of XXXX and now they all of a sudden can not find my credit report. Again, this is totally unacceptable and needs to be addressed on their end immediately and fixed. I will try and attach the letters that have been sent to them in this complaint, but I do have copies of all the letters that I have sent to them, if I am not able to attach the letters. 
My Birthdate is XX/XX/XXXX, but Section # 4 keeps listing it as XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I submitted a dispute to Equifax, XXXX, and XXXX about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXXXXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.
Complaint sub-issue: Account status incorrect

I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXXXXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
Complaint sub-issue: Need information about my balance/terms

They will not assist me in retrieving my loan payment history since the loan was created or the original promissory note. They will not lower the interest rate of 13.75 % or negotiate payment amount.
Complaint sub-issue: Their investigation did not fix an error on your report

In Accordance with the Fair Credit Reporting and XXXX Bankruptcy court account number # XXXX, and XXXX XXXX XXXX as XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions
Complaint sub-issue: Account information incorrect

I've notified Equifax several times regarding incorrect information on my credit report. They've replied to one inquiry specifying that the information has been verified, but upon request of information pertaining to how they verified the information they've ignored me. They've provided me no information as to how this inaccurate information is valid. I've mailed them information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Information is incorrect

I, XXXX XXXX, a federally protected consumer, am submitting this complaint against Factor Trust , INC. Factor Trust has my personal information inaccurate and incorrect on my consumer report which is causing great stress. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I do not have any other addresses and I Do not wish to disclose any other addresses. Unless Factor Trust can produce or present to me legally authorized evidence to retain, much less report, these addresses, I DEMAND THAT FACTOR TRUST DELETE THEM FROM MY CONSUMER REPORT. Otherwise, Factor Trust is infringing on my federally protected consumer rights. " XXXX XXXX XXXX XXXX, LA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX '' NEED TO BE DELETED. Factor Trust has no legal authority to retain these inaccurate addresses on my report, especially without my consent. ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain mush less report these employers. I DEMAND THAT THEY ARE DELETED FROM MY CONSUMER REPORT. THE FOLLOWING BANK ACCOUNT IN ATTACHED LETTER SHOULD ALSO BE REMOVED. THERE IS NO REASON MY NONPUBLIC PERSONAL INFORMATION SHOULD BE SHARED WITH ANY THIRD PARTIES. I DEMAND THESE INACCURACIES BE CORRECTED IMMEDIATELY BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Factor Trust is now liable for damages of {$1000.00} per violation for civil liability for willful noncompliance. this also includes any actual damages.
Complaint sub-issue: Debt is not yours

I was called by a someone on XX/XX/XXXX at XXXX am who said their name was XXXX XXXX with IPM group who said I had an outstanding payday loan debt from XXXX. He had all of my personal information including address and social security number. He was very aggressive in me having to make a decision to pay them, while being flighty about company details. He called me from an oregon cell phone number ( XXXX ) but claimed his corporate office was in Texas. I asked to speak to a supervisor and he said he was the supervisor. I had pressured him further to speak to someone else, I could hear him hand the phone to someone else who was aggressive who said their name was " XXXX XXXX ''. I asked for a first name and was given XXXX XXXX. When I asked for company information he said " we are not doing this '' and hung up on me. I called back asking for more information from XXXX XXXX who continued using the phrase " are we going to be able to make this payment happen or will we have to move this forward? ''
Complaint sub-issue: Confusing or misleading advertising

We applied for a Commerce Bank loan ( serviced by XXXX XXXX ). They prominently advertise that after 12 months of good payments the co-signer would be released. We called and they confirmed this was correct. When I received the papers, there was no mention of the 12 month co-signer removal. I then called to question it and was read a list of conditions and told it had to be applied for. These conditions gave the bank an out in any circumstance. 

I cancelled the loan application and am writing to report that there was a definite attempt to deceive me into signing and then never being removed. Im ok with the terms, but the ran my credit, we even called and they confirmed and tried to take advantage of us. 

The application number was XXXX Thank you. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had XXXX XXXX services for a short period around XXXX.. When I ordered the services I inquired if it would be a hard or soft credit check. The agent stated soft. I went forward with the order. Few days pass and XXXX XXXX stated there was a hard credit check. I called in to dispute multiple times. Multiple agents said this would be taken care of and most of those calls were an hour at minimum. They put in a form. Advised to wait 90 days. I did, and called to follow up. Agent states it didnt process for an unknown reason ... waited another 90 days. Denied but stated the credit check was valid but 2 minutes ago you agreed and said soft inquires are always issue do out.. so I go and escalate this via chat with a supervisor. He agreed and stated it wasnt normal for this to happen and to go and disputed this with credit department. I went forward with it. They stated that I need to call att for support and get the OK from them. After going back and fourth I put in a word with the attorney general. She was no help whatsoever. Couldnt explain why any of this happened, why supervisors stated such things. All I want is this credit check to be removed. Everyone is making a big fuss over something att has falsely eductated me. If I do get support, I want to speak with someone else higher or equally as XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

My husband and I are trying to get a home loan and my credit has been reported to three different agencies, two of the three the lender has gotten my credit information from, but the third will not allow access it says " Inquiry info identified as fraudulent by consumer '' I have called Equifax multiple times and tried logging in and creating an account and it will now allow me to it just gives me a number to call, so I called the number and none of times I called they were able to figure out the problem and just say that I need to have my loans reported to Equifax, I have exhausted all of my options in moving forward with getting my credit score from this company and can not move forward with our lender until I have that credit score. The date in which I have been trying to get this all figured out is XX/XX/19.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX  ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.
Complaint sub-issue: Attempted to collect wrong amount

Since the begining of 2020 i been try to resolve this matter but the company XXXX XXXX is not willing to help me and since about 6 month they start to impose a fee increasing the amount that they said i owe wich star as XXXX and now because of all the fees that they are adding in violation of the contract is more than XXXX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were # 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 information incorrect

I HAVE A XXXX XXXX  CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX  REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Complaint sub-issue: Trouble getting information about the card

On XX/XX/2022 I started a fraud dispute for XXXX  XXXX XXXX XXXX because I never received this card and I found out that someone fraudulently spent all the funds in the account. Per federal guidelines and my understanding is that the company must resolve the dispute within 10 business days and if they are unable to resolve the claim within 10 business days then they must issue a provisional credit while they investigate the claim. Well the company is still investigating my claim past the 10 business days and they are refusing to issue my provisional credit. To my understanding that violates federal mandates and guidelines that must be followed
Complaint sub-issue: Information belongs to someone else

I have been a victim of id theft, I do not recognize the accounts on my report
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is not mine

I have contacted XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX who contacted me on XX/XX/2016 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.
Complaint sub-issue: Information belongs to someone else

I filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and Equifax and XXXX disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX
Complaint sub-issue: Used obscene/profane/abusive language

XXXX XXXX from Law office of XXXX XXXX XXXX called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the XXXX loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this XXXX loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
Complaint sub-issue: Debt was result of identity theft

This company continues to pursue a debt that was a result of fraud on my banking account, they are harassing me continually. I sent them a written validation letter via mail demanding proof of the debt claims. I stated in my letter to show they are the original owners of the debt, the only proof TRS is bringing forward is activity on my account that wasn't me and that was a fraud. This issue has already been resolved with my bank, and XXXX XXXX legal action could be taken in this matter.
Complaint sub-issue: Inadequate help over the phone

I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact Equifax , XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported twice on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for 32 years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.
Complaint sub-issue: Investigation took more than 30 days

I sent a 609 letter to equifax on XX/XX/2020 in regards to inquiries. according to the fair credit reporting act they were supposed to respond within 30 days and I still havent received a response by law they should be removed.