Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.
Complaint sub-issue: Didn't receive advertised or promotional terms

XXXX credit card through us bank lured us in with an additionalXXXX cents per gallon discount on gas once achieving XXXX grocery store points through loyalty program. On XX/XX/XXXX I made a formal complaint. They fixed my account after 47 mins on phone. On XXXX they didnt reward me again. On XX/XX/XXXX they put me on endless hold for 45 mins then hung up on me. I called locale store in XXXX and spoke with male manager named XXXX. He refused to help with this. I am owed {$17.00} for missing credit.
Complaint sub-issue: Reporting company used your report improperly

Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name SXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number XXXX 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

My student loan was sold, original lender is still reporting debt as owed, as well as the new lender. My balance is around XXXX but my credit report lists XXXX in personal loans which is affecting my ability to get a car loan.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

ELAN SHOWS UP O  N MY CREDIT REPORT.
THIS IS NOT MY ACCOUNT!     SEEMS TO BE FRAUD.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a credit inquiry within my report for XXXX. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 59 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 59 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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: Their investigation did not fix an error on your report

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated 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.
Complaint sub-issue: Problem with product or service terms changing

Citibank has entered into a program of denying credit to gun manufacturers. I believe that this undermines the Second Amendment and is contrary to a free and open society. It is particularly disgusting because Citibank received bailout assistance from the very government that it is trying to undermine. 
I request that the CFPB conduct a complete investigation into the lending practices of Citibank, particularly in relation to loans to gun manufacturers. 
XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

On XXXX/2017 I made a payment to ATT Universal Card for {$750.00}. There site reflects that this payment was made, decreased my credit limit and this payment has already cleared my bank which is XXXX XXXX on XXXX/17. However ATT Universal Card has yet to credit my payment and stated that they put an arbitrary hold on my payment because I have " not made a payment that large before '' which is not true as I have had this card almost 20 years and have made payments that large before. When I called to speak to a supervisor I spoke with 2 account managers both of which refused to receive any documentation of my proof of payment and also requested that even though I made the payment, even though it cleared my account that I still had to call them back in 4 hours so that they can " verify '' with my bank that they payment was made. I informed them they I would be more than happy to send them a copy of the cleared transaction from my bank and they refused to accept this information. I offered to provide them with the confirmation numbers for the transaction and they refused to accept that also. I consider taking a payment that has cleared a customer 's bank but then refusing to release that payment to the customer and refusing to accept documentation of that payment and forcing the customer to " call back '' in order to credit for a payment that was already made is robbery. Neither account supervisor was helpful and matter of fact both had the tone that it was my fault that the payment was held when they do NOT inform you at the time of payment that they will place a hold on any payments especially those that have already been drafted from my bank. I have had MULTIPLE issues with the credit card company holding charges and not releasing charges for over 14 days. The public needs to be aware of their predatory and in my opinion CRIMINAL tactics.
Complaint sub-issue: Information belongs to someone else

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXXollection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative 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!
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.
Complaint sub-issue: Personal information incorrect

I called discover last week XXXX XXXX XXXX I have stressed to DISCOVER to stop reporting my private information and DISCOVER said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, XXXX and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.
Complaint sub-issue: Account information incorrect

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX  XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA re-aging is an illegal act due to 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Complaint sub-issue: Reporting company used your report improperly

BY REPORTING THES INACCURACIES YOU ARE IN VIOLATION OF 15 U.S.C 1861b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a huge amount of injury
Complaint sub-issue: Debt is not yours

I have a collection account from XXXX on XXXX, XXXX and XXXX. One says medical and the other 2 say XXXX XXXX XXXX XXXX XXXX XXXX. This is not mine.
Complaint sub-issue: Trouble with how payments are handled

The company handling my private loan is called XXXXGreatLakes and I have recently noticed that they are not applying my payments correctly. I have a monthly payment of {$77.00} that is due on the XXXX of each month and I end up paying {$100.00} instead to pay down the balance or so I though. What this company has been doing is using that extra amount and setting it aside labeling it as " Paid Ahead '' total thus preventing me from quickly reducing the balance. I have contacted them several times now and each representative has refused to apply that past extra amount and all future excess payments to my balance. Right now there is nothing that I can do but ask for your help. I am already burdened with a massive amount of student loan debt and this just adds to the feeling of hopelessness.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX The credit inquiries arent my credit inquiries. They are all fraudulent and unauthorized.
Complaint sub-issue: Problem with customer service

I have requested a refund of my student loan taken out in XXXX for {$5500.00} which was paid off in full during the Covid forbearance period so that I can apply for forgiveness. I made approximately {$4700.00} in payments to Fed Loan Servicing before my account was transferred to XXXX. I made the last payment of {$830.00} to XXXX. I received a refund from XXXX for {$830.00}, and my balance on the loan increased to reflect that. I have been calling Fed Loan and XXXX since XX/XX/XXXX trying to get the remaining {$4700.00} refunded so that it can be forgiven under the Biden plan. I have spoken to probably XXXX people on both companies that have told me so much conflicting information I want to pull my hair out. I would like to get a straight answer if that is possible. 

Thank you, XXXX XXXX
Complaint sub-issue: Account status

I had the XXXX card so long ago and the account was closed and I want to know wits still showing up on my credit report, should n't it have already been removed ...
Complaint sub-issue: Account information incorrect

Ally Auto reported to XXXX and the other credit bureaus probably an {$8.00} charge on the total balance of my installment loan. Bureau says they just list what Ally tells them and Ally says they don't see that and checked my credit to do so. I will file a dispute but that already has been listed on my credit report and is making my report look bad. I will have to file disputes with the other bureaus as well. I am never late.
Complaint sub-issue: Investigation took more than 30 days

Equifax has been notified by me that I had several accounts that on my file fraud. This dispute has been going on for over months.I supplied affadavits and police report that support the claim. The same accounts was on XXXX and XXXX.Same companies.These disputes been resolvd before 30 days ... .. When I call Equifax and request a supervisor.Everyone in Consumer Affairs a Supervisor.There no access to higher management.I don't have a direct number to Office of Consumer affairs, Not sure why the have my file instead of the fraud department.This bureau removed my XXXX XXXXXXXX account on there own.
Complaint sub-issue: Public record

I filed a proper dispute with Equifax on a reported judgment that was never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed this judgment with Equifax , sent Certified mail ( tracking # XXXX ) on XXXX/XXXX/2016, on the grounds just stated. Equifax received my dispute on XXXX/XXXX/2016 according to USPS tracking information. My dispute results are dated XXXX/XXXX/2016 where Equifax states that the results for the judgments are : 1. ) We have verified that this public record is reporting correctly. 

I have checked with my XXXX County Clerk of Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached ). In my dispute letter, I asked Equifax to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that Equifax has not properly investigated this matter within the few short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX County Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) for XXXX County. The county has no record on file matching what appears on my credit file. 

I have also included a printout from the XXXX County website which shows the website used to search XXXX County public records ( XXXX ) is the valid source to find these documents. This list shows all of the public records that exist in my name, none of which is the judgment being reported in my credit file. I have also included the letter originally sent to Equifax , the credit report with disputed judgments, the USPS tracking ( # XXXX ) showing the timeframe between the dispute being received and the results being sent, and the results of the Equifax dispute. Please delete this judgment from my credit report. 

Please use the proper resources provided by the XXXX County Courts to research Recorded Documents/Instruments, as an automated verification with a third party, or using lists of case files are not thorough investigative actions in researching valid Recorded Documents. 

XXXX County Register 's Office at ( XXXX ) XXXX XXXX County Land Records website is XXXX ( Clerk of Court will verify that judgments are in fact listed here with real estate records and deeds if you call or email XXXXXXXXXXXX to inquire ). 

Thank you very much for your time resolving this matter. 

XXXX
Complaint sub-issue: Problem with customer service

I attempted to refinance 4 out 8 of of my highest interest rate loans with My Fedloan on XX/XX/2019. After noticing that the refinance payments had been incorrectly applied to the wrong loans, I called a first time on XX/XX/2019 to have this corrected. The first customer service representative told me that the payments would be reapplied correctly in 1-2 weeks and recommended that I continue to make my regular payments. After checking back, the refinance payments were never reapplied so I called for a second time on XX/XX/2019. I spoke with a RUDE and condescending customer service rep who spoke over me, did not listen to my issue, and told me repeatedly it was my own fault that the loan refinance payments were reapplied incorrectly. I was then told that the entire refinance amount would need to be mailed back in check form to me- directly. At this time I asked to speak with upper management and was redirected to another associate. The next woman assured me that the refinance amount would, in fact, NOT be sent back to me in check form and the payments would be corrected in 3-5 business days. Throughout this process I have been making regular payments on all loans ( including the loans that should've been paid off ). I was assured by XXXX, that there would be an excess of payment after the refinance payments were corrected and that this would be redistributed to my account in order to avoid delinquency. It is now XX/XX/2019 and my account is '28 days delinquent '. While the refinance payments have been corrected, the over payment is not being applied to current loans. I have called XXXX XXXX numerous times with no response, and the customer service representatives at MyFedLoan have told me that the over payments are being refunded in check form instead of being applied back to the account. I'm extremely disgusted to experience my student loan debt be handled by such a disorganized and inept service provider. A word of advice for those looking to fund necessary education for their future- avoid myfedloan.org at all cost.