Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

Traded in a vehicle a month ago. Check was sent to US bank from the dealership for the total value of the trade in. Due to the timing, I had to make a car payment on the car I traded in, since they did not receive the trade in payment. No big deal, I was told I would get a cashier Check for the different later on. 

The trade in check was delivered and signed for two weeks ago and still has not been reflected on my account. 

I have called on 5 separated occasions to try and get an update on when I could expect the check to clear and to try and get an update on if the check has been processed. Every time I have called I have been told to call back in a few days and that there is no way for the Check clearing process to be tracked on their end. At this point it has been almost a month and I will have another car payment due for a car I haven't owned in a month.
Complaint sub-issue: Attempted to collect wrong amount

I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
Complaint sub-issue: Information belongs to someone else

from XXXX to XX/XX/XXXX i was XXXX  i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report
Complaint sub-issue: Frequent or repeated calls

Debt collection for a person called XXXX. I've told them no person named XXXX has ever worked for this company. Keep calling.
Complaint sub-issue: Account status incorrect

I have tried several times to disputing an account on my credit report with a company called XXXX XXXX. The company reported to my credit report when it should've never been reported. I paid my bill to XXXX XXXX XXXX, XXXX. The physician 's office posted my payment to someone else account in error but fixed it and notified XXXX XXXX that, in fact, I didn't owe anything, and my account was sent to them in error. I've also had a hard time with the collection agency removing this from my credit report until I informed them that I filed a complaint with cfpb against them. I received a letter from XXXX XXXX that they have already requested from all 3 credit bureaus to expunge from my credit report, yet Equifax refuses to update my credit report. I sent Equifax the letter advising them of proof, and they still have yet to update my credit report to have this company removed.
Complaint sub-issue: Information is missing that should be on the report

I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!
Complaint sub-issue: Information is incorrect

I know I don't deserve this erroneous information that Equifax is placing on my credit report. I have always been a responsible payor. I am very disappointed because they never fix this account, I'll repeat the account XXXX XXXX is not paid late..CFPB please do something to fix it
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called XXXX and equifax to inform them about unknown inquiries on both reports I was Ensured by a supervisor from both companies that the inquiries on my both reports would be removed in 72 hours its been two weeks I called to follow up I am now being told they dont know where I got that information from and its nothing they can do about this matter. I need these unknown fraud inquiries removed from report immediately from both reports.
Complaint sub-issue: Public record information inaccurate

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 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 accurate.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Receiving unwanted marketing/advertising

Equifax Credit Bureau reported XXXX hard inquires from XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Complaint sub-issue: Debt was result of identity theft

This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! PLEASE REMOVE THIS FRAUD ACCOUNTS ASAP!
Complaint sub-issue: Information belongs to someone else

Equifax Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Equifax these company didnt provide contact with my signature as anytime.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Complaint sub-issue: Was not notified of investigation status or results

Clarity Services has failed to dispute the negative items on my report that I had submitted months ago.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX XXXXXXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help
Complaint sub-issue: Information belongs to someone else

I just discovered accounts appearing on my credit report that are not mine.
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/XXXX I disputed with Equifax an item on my credit report. Equifax claimed an investigation had been done and the item stayed on my report. About 8 months later I spoke with the finance director at the dealership who was involved in the transaction and he verified I was not a signer on the auto and that it shouldn't be on my credit report. He has contacts at XXXX financial and asked them about the issue. Their process is for the person to dispute the item and they will respond it is inaccurate. I told them I had disputed it 8 months earlier and they verified they had never received a dispute inquiry from Equifax! Equifax is not investigating disputes!! 

I then wrote Equifax a letter letting them know they did not dispute the item with XXXX and asking them to dispute the item or remove it. I wrote this letter in XX/XX/XXXX and they received it XX/XX/XXXX. ( Letter and proof of receipt by Equifax attached ) As of today Equifax has still not responded to my inquiry. 
I really need help with this matter. The item on my credit report is clearly not my debt and is damaging my credit. 
I appreciate your time Thank You 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 {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}.

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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Citi Bank : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

My dob XX/XX/XXXX, not XX/XX/XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I received a letter from THE HOME DEPOT - Citicard services telling me that they're reducing the limit on my credit card from {$5000.00} to {$500.00} because my balances on my other credit cards on my credit report are reporting to high. My credit balance for my HOME DEPOT CARD is at XXXX, was a XXXX and usually stays at XXXX. I hardly ever use the card and always pay it off quickly, so I don't understand why they would reduce my limit based on my history with them.. I've been a customer since 2016 and have never made not one late payment. I would like to for them increase my limit back up to {$5000.00} without me having to get another inquiry on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.
Complaint sub-issue: Information belongs to someone else

I am a victim of fraud this account from XXXX XXXX is not mine
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and noticed a unusual account.
Complaint sub-issue: Old information reappears or never goes away

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX  and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Complaint sub-issue: Account status incorrect

To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to Equifax, XXXX and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Complaint sub-issue: Investigation took more than 30 days

I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Complaint sub-issue: Debt was result of identity theft

I sent a letter in response to phone call received by a company on XX/XX/2018. I was requesting that the hunter warfield provide validation of the debt as required by the Fair Debt Collection Practices Act. Because I have disputing the debt, they have should not report it to the credit reporting agencies.
Complaint sub-issue: Didn't receive advertised or promotional terms

I had a promotional balance that was to expire on XXXX/XXXX/XXXX. In XXXX of XXXX I asked that payment beyond the minimum payment due on the entire account be applied to the promotional balance as I was not aware that you have to ask them to do this. They began to deduct the excess over the minimum payment from the promo balance. On XXXX/XXXX/XXXX I had a remaining balance on the promotion of {$99.00} and a minimum payment due of {$67.00}. I paid them {$170.00} on this date. I also made an additional payment of {$100.00} on XXXX/XXXX/XXXX to pay down my overall balance. I went to do my year end financial review and found that they had charged me {$240.00} for interest on XXXX/XXXX/XXXX even though my normal interest amount is around {$40.00}. When I called them they told me that they took part of my payment for the promo and applied it to my general balance. I stated I have the letter that indicates that 100 % of the excess payment goes to the and was told that the letters were not accurate that they send out. They did say they would immediately take the XXXX charge off my bill but this has not happened yet. This is total fraud in my opinion.
Complaint sub-issue: Information is missing that should be on the report

On my credit report it shows I was an authorized user on an account which is XXXX XXXX beginning XX/XX/XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, payments for XXXX, XXXX, and XXXX were dropped off for XXXX. XXXX XXXX says they had no reason to go back to XXXX and XXXX and drop off payments.You are violating the Fair Credit Reporting Act.
Complaint sub-issue: Debt was result of identity theft

The account listed is for  XXXX   XXXX , my name ie  XXXX   XXXX   XXXX . My social security number was used and I have never received service from this provider.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score 35 points because it states that I had a high balance, and missed a payment.
Complaint sub-issue: Investigation took more than 30 days

Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.
Complaint sub-issue: Threatened to take legal action

I just got out of the XXXX XXXX XXXX 2 months ago had no idea about taxes i owed to XXXX. XXXX tax sold my debt to a debt collector ( Premiere Credit of North America LLC ) I have mad multiple attempts to pay this dept with this company I have called multiple times and left a message. This dept have resulted in interested being added and having a warrant out for me as well a tax lien. I have the funds to pay but can not make contact this is unprofessional for a debt company and each day that passes more interest is added. I am trying to pay and this has had major impact on my credit.
Complaint sub-issue: Problem with fees

Macy 's XX/XX/2019 Payment Due Date New Balance XXXX which included a carryover balance from the previous month of {$1.00} plus {$2.00} minimum interest charge. 

I paid {$3.00} on XX/XX/XXXX. 

XX/XX/2019 Payment Due Date New Balance XXXX which is the minimum interest charge I don't understand how they can charge me an minimum interest charge when I paid my balance in full. It seems like its a never ending cycle. 

I called and the representative said if you pay your bills on time you won't be charged fees. I pay my bills on time and always make more than the minimum payment. I have perfect credit and a great score. I think they are trying to gouge the consumer and to me something is wrong here. How can the minimum interest be more than the balance for one? And why would I be charged the minimum interest if I don't even have a balance.
Complaint sub-issue: Personal information incorrect

The following name listed on my report is incorrect XXXX XXXX XXXX