Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees charged

I have a leased vehicle with Ally Finances. I received a notifier a couple of weeks ago showing that my credit score has dropped by XXXX points. I check to see what was the issue and found out that alloy basically reported that I was not making car payments. I called Ally only to be in form that the car that my ex-wife has hasnt been paid on and a Extension had been added to the vehicle. So I asked him why wasnt I notified that the car payment was late and about the extension. He stated that they notified me. I requested all of the contact information they had which was all wrong my address was wrong the email address on file was wrong and also the telephone number was wrong. They also informed me that a extension had been accepted for the vehicle payments which I did not Request or Give consent to. They informed me That I would be responsible for the extension payment of 500+dollars. I explained to them that I dont see how I would be XXXX responsible for something that I didnt request nor did I give consent to nor was I contacted. Upon a father conversation with them I found out that they allow an unauthorized person to change all the contact information associated with my account and also allowed them to make unauthorized decisions on my account. So I explain to them that all of the contact information they had was wrong I was told two different stories the first customer service rep told me that no one could make changes to my account unless they have the account number and I told him no had access to the loan info because it locked in my truck. The customer service supervisor told me that someone could make changes to my account if they know the last four numbers of my social my name and address or just the account number. They had been sending the bill statement to the wrong address with the account number on it. So I was told two different stories. To make a long story short they expect me to pay all these fees that I didnt authorize.
Complaint sub-issue: Reporting company used your report improperly

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

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

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

This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. XXXX responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. Equifax responded that item was removed and not currently reporting on credit file. 

How is it that Equifax wasn't able to verify that the report was accurate but XXXX claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, Equifax stated that they removed the accounts and not currently reporting but somehow, they are still reported on Equifax report.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX Account # # # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, has violated my rights. 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. also, in accordance with the Fair Credit Reporting Act XXXX USC 1602 states financial institution can not disclose any personal information to a third-party non-affiant without my permission. - ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX NY XXXX ) ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX NJ : {$50.00} : {$50.00} : {$50.00} : {$50.00} : {$50.00} {$310.00} ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX also violated USC 1681 and 1602. I also do not recognize this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account XXXX XXXX XXXX ( Doesnt have an account number showing ) 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 an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

what the XXXX is going on? on XX/XX/2021. I sent you a letter regarding these inaccurate things on my credit report but to this day over 45 days already, I still got no response. I was told that the FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor get any response. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was purchasing a XXXX XXXX XXXX through popular science. During checkout, I got an error message saying it could not be completed. I was double charged on my credit card. I disputed the charges and the credit card company investigated and said the charges are valid and made me pay them. The charges were not valid as I never received confirmation that the order went through. Also, I was double charged so how could the charges be valid since there is a duplicated charge?
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 {$0.00}.

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

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Debt was paid

MRS BPO , LLC never contacted me but reported {$61.00} to all three credit bureaus - XXXX XXXX and XXXX XXXX and XXXX  have removed the collection, per my complaint. XXXX  has not removed the collection, to date. 

Original creditor, XXXX received their equipment on XX/XX/2020 ( Device XXXX and Device XXXX ) at the XXXX store # XXXX at XXXX XXXX # XXXX, XXXX, TX XXXX XXXX TRACKING # XXXX XXXX SHIPMENT ID : XXXX
Complaint sub-issue: Information belongs to someone else

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$150.00}
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon review of my credit report from all XXXX credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate. 
XXXX5 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions. 
I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.
Complaint sub-issue: Account status incorrect

EOS CCA, a third party collection agency, collecting on behalf of XXXX XXXX has falsely reported a balance on my credit report of {$160.00}. There was a previous balance of {$540.00} which was settled for {$420.00} and paid in full early XX/XX/2019 in order to secure affordable rates for refinancing of my vehicle and a suitable interest rate for pre-approval of a home mortgage. I reported the information as false with the credit bureau and I believe the company continued to show the negative balance on my credit report hoping I would call back in desperation to remove it. This has affected me as it has given me unfavorable rates for refinancing and securing other financing as my credit score was tremendously impacted.
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent a previous dispute to LexisNexis for a bankruptcy that they said they've verified. Under the FCRA I sent them a " Procedure Request '' asking how they've verified this information. I received a letter from LexisNexis stating they couldn't verify my identity. 
Which I thought was strange seeing how I added a notary including my driver 's license and social security number ( including information on the procedure of request page confirming my identity as well. ) It seems as if LexisNexis is being non-compliant of the Federal laws. 
I added plenty of information for LexisNexis to carry out the " Procedure Request '' which I have a right to as the consumer to ask for this specific documentation. It's very clear that LexisNexis rejected my request. This is a violation of the FDCPA. 

Additionally ; LexisNexis stated they've verified this information ... How is this possible when the US Bankruptcy courts said 'THEY DO NOT VERIFY OR REPORT THIS INFORMATION WITH ANY OF THE CREDIT REPORTING AGENICES?
Complaint sub-issue: Information belongs to someone else

As a consumer I feel like I have been discriminated against because my federally protected rights have been violated by Equifax. I sent them a dispute letter that they received on XX/XX/XXXX to have 2 inaccurate items removed from my report. A closed account and a fraudulent collections account thats been reporting every month since XXXX of XXXX. They sent me a letter in response to my dispute letter that I received XX/XX/XXXX stating that the information I provided didnt match what they had on file and they requested more documentation. Which is XXXX because I sent them a copy of my drivers license, and bill showing my address, and the last 4 of my social security number. They do that XXXX just to prolong the dispute process and discourage consumers from pursuing further actions. I called their dispute number XX/XX/XXXX at XXXX to see if I would have better luck over the phone. The first agent confirmed my identity using my name and address. She asked for my social and I told her I dont consent to giving out my social and she doesnt need it to confirm who I am. I told her the items that I wanted deleted and she tells me they have to stay on for 7 years by law. I asked her if they follow the laws under the Fair Credit Reporting Act and she said she doesnt know what those are. How can these XXXX do business with consumers and not know or follow these laws! I asked to speak to a supervisor. She transferred my call to the wrong department and they transferred me to the appropriate person. I asked the supervisor do I need to fill him in on whats going on from the beginning or did the agent already do so. He said he understands I dont want to give my social. I said thats correct and the 1st person was able to confirm who I am without it. He asked me again for my social security number and I refused so he responded by saying hes terminating the call and hung up on me. Theres no law that says I have to give them my social security. Theyre not even a government agency. Pursuant to 15 USC 1681b ( a ) ( 2 ) they didnt even get my written instructions to furnish a consumer report with my information in the first place. This XXXX is all fraud! XXXX poor practices by a XXXX poor company.
Complaint sub-issue: Company closed your account

I was sent a generic notification that my accounts will be closed on XX/XX/XXXX. There was no reason given, other than to refer to their " deposit agreement '' page XXXX section XXXX. It states Ally Bank can close my account for no reason. Surely there must be a reason, I am in good account standing, I work an honest job and make good money, I am not a criminal. I have attempted calling, chatting, and secure emailing through their web site, as well as posting on their social media and messaging thru social media. The only replies I have gotten were when calling. First call XX/XX/XXXX XXXX ( duration 40 minutes ) said I would need to call back during business hours and speak with deposit operations. Called back during business hours XX/XX/XXXX, ( duration 37 minutes ), was told I could not speak with deposit operations department and that there was no further information to be given as to why they are closing my account. Was put on hold to speak with a supervisor and was hung up on. Called back 3rd call XX/XX/XXXX ( duration 9 minutes ) put on hold again and disconnected. Called back 4th call XX/XX/XXXX ( duration 33 minutes ), was supposedly put on the line with a supervisor who was not friendly and very defensive. Said they are not required to give me a reason why they are closing my account. Chat agent said they would be escalating this to a supervisor who would reach out to me. I asked how they would be reaching out- call? email? carrier pidgeon? smoke signals? They could not confirm how the supervisor will be reaching out. So it appears they are chosing random customers to close their accounts for no reason or are going out of business and closing accounts instead of being up front.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax, XXXX and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with Dominion XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by equifax in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX i got a report that had invalid information form Lexis Nexis I submitted a investigation after reviewing everything per their request XX/XX/XXXX Incident number XXXX My customer number is XXXX Case number is XXXX These company is stating that they have no idea and i should have called as they do not do any investigations by email request. note to that the report has a form that you fill out that it states investigation request please email I'm speaking to the company but they are no help i feel due to miss representation of this company report I have paid extensive insurance premiums I'm talking over {$6000.00} a year. I have a clean report on my driving and payment history