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

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with US military orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I was the victim of a XXXX scam. XXXX $ was taken from my Citibank checking account to an unknown person. I have filed numerous claims to be reimbursed which all have been denied. I would like to note that I have been a loyal Citi client for over 40 years. I have a huge folder of correspondence and was told that my claim is being denied due to the fact that I did not protect my account. Every denial I have appealed.
Complaint sub-issue: Public record information inaccurate

Equifax is erroneously reporting a Bankruptcy on my credit report. I have requested that remove it, but it still on my credit report. 

Enclosed are documents that the XXXX Bankruptcy Court and the reporting agency that will verify my assertion.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute to Equifax to remove a fraudulent item on my credit report for XXXX. After several attempts and various documents submitted and a call to the FL Attorney General 's office I was able to have this item removed. The issue is that Equifax has reported a blanket dispute remark on my open and valid accounts for XXXX ( XXXX and XXXX ). On these XXXX items it now states - Consumer Disputes Reinvestigation in Process. I was supposed to close on a mortgage today but now that these remarks are on my report I am not able to close and may lose out on the house. I have called Equifax and asked them and begged them to remove this wording immediately because they reported those disputes to those accounts erroneously. They refuse to remove the wording immediately and stated it will take XXXX business days even though I NEVER disputed those XXXX XXXXXXXX XXXX  I am beyond frustrated, I am living in a hotel because I was supposed to close last week, now was supposed to close today ( XX/XX/XXXX ) and now I may not even close on this home at all!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted XXXX to take it down immediately because I filed an FTC report. For one month XXXX has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated. 
My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how XXXX got one and if they did how they validated something that isn't mine I am attaching an FTC report. XXXX has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have loans through XXXX & XXXX XXXX ( not huge loans ), that I took out to get a 2-year degree. They constantly call and harass me. They constantly call and harass my grandfather, who was the cosigner but he went into bankruptcy years ago, and is over XXXX years old. Despite me reaching out to them to try to arrange even the lowest of payments a month ( via email ), they refuse to accept the arrangement. It's being handled through AES and they are HORRIBLE to work with. They refuse to make any sort deferment longer than one month, despite the pandemic, and won't even accept a lower monthly payment amount of something like, {$25.00} a month for each loan, until I can pay more. Because I simply can not pay more at this time, but they are notoriously difficult and I imagine that this has to go against some form of business practice, since they have threatened to garnish my wages, despite me offering a lower monthly payment than what they wanted.
Complaint sub-issue: Account status

Equifax shows XXXX/XXXX as an open collection, in partial pay agreement, as of XXXX/XXXX/XXXX. The dispute was initiated XXXX/XXXX/XXXX. Account was paid. Equifax reports there was no response for the investigation. They are still reporting it as open as open and unpaid. I wrote a letter, with a copy of the receipt. there still has be no change. I called to complain. They opened up another complaint, and closed it 3 hours later. The emailed the result : no change. Collections accounts can cause me to be terminated. I am a XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I got on Equifax.com to look at my credit report. After I logged in I changed my password and began looking at my report. In the middle of that it kicked me off. I tried logging in again but couldn't ; tried both new and old password. I've called them directly only to have 5 out of 6 times telling me my correct information is wrong. Now I'm being told the only way to continue with my disputesis to send in paperwork. The one time I finally got through the call ended and went to the survey.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Company closed your account

1.I have had Banking relationship with citi for more than 2 years till my credit card accounts were abruptly closed by Citi on XX/XX/XXXX. 
2.During the course of these 2 years I have opened 4 Citi Credit Card Accounts.I have paid balances on all my accounts in FULL and have never been a defaulter on any of these accounts.

3.Despite having a good relationship with citi, all my accounts were closed without any warning.

4.Also during this time, when the accounts were open, I have accumulated more XXXX ( {$2900.00} ) Thank you points which is also forfeited now. 
5. When my account was closed on XX/XX/XXXX-XX/XX/XXXX, I have recorded conversation with a Citi representative who assured me that I have 60 Days to use my points.

I request Citi to go back and check the conversation.

6. But then when I tried redeeming points on XX/XX/XXXX, I was told all points are forfeited.

7. Also, I have paid hefty annual fees on 3 of my credit cards XXXX - {$450.00}, XXXX- {$95.00} and XXXX- {$95.00}.

8.By Mailing a letter to Citi on XX/XX/XXXX, I requested them to re-open my accounts and if I have made any mistake, please let me know and I am ready to correct myself.ALso requested them if account opening is not an option, at least refund the fees which you have charged and my thank you points. 
9.On XX/XX/XXXX, I received a response from a Citi - XXXX XXXX from EXecutive Response UNit mentioning - - She Can not open the accounts.

- Declined to re-instate Thank you points ( XXXX points = {$2900.00} ) - Declined to Refund the Annual fees charged ( {$640.00} ) 10. Due to this sudden closure of the account I have lost almost {$3500.00} and feel cheated by Citi.
Complaint sub-issue: Information belongs to someone else

I'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.
Complaint sub-issue: Personal information incorrect

I applied for a XXXX XXXX XXXX XXXX XXXX XXXX with a company called XXXX, around the XXXX of XXXX, 2020, I received report under back ground check and consumer Agency that I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ISSUED DATE 2020 DISPOSITION XXXX DISPOSITION DATE XX/XX/2020 POINTS XXXX THAT IS ERRONEOUS... I DO NOT NOR HAVE I EVER XXXX  NOR WAS MY LICENSE EVER SUSPENDED, AS A RESULT, I AM BEING DENIED WORK UNDER ADVERSE REASONING, NOT TO MENTION THE EMBARRASSMENT AND AGGREVATION THIS HAS CAUSED
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off the loan XX/XX/2020. 

I called XXXX XXXX to learn my title was just requested for release. However, it one month since unpaid off and I can't get answers about the where abouts of my car title.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was apart of the XXXX breach. 

I asked to be removed from the LexisNexis database. ( I was an employee for XXXX years before my job was moved offshore ) and aware of the the type of personal information they have on file. 

I've requested removal - as well as attaching the XXXX email stating this fact. 

They are now requesting further information. It seems they are making this as difficult as possible. During the XXXX debacle ( which I took abusive calls for ) the only thing they needed to do is request removal. 

I request assistance in removal of ALL personal information from their databases - which may or may not be accessible to offshore sources.
Complaint sub-issue: Account status incorrect

I have call Equifax at least 10 times regarding the collections on my credit report all three collections listed are wrong and should be taken off my report. Each time I am speaking to someone overseas who can barely speak English. They ask you questions that you can not understand then they advise they can not verify your identity. I had one rep state he was writing my social down. Which is definitely not safe and now I am told I need to fax in personal information to verify who i am. So I take the chance to verify who I am. I have faxed information into Equifax 18 times each time receiving a confirmation. Yet I am still told my information can not be found. I am also being sent emails by their member.benefits.com center saying they have sent my information to another email address which i do not have another email address. But they are charging my credit card the monthly fee for a membership that states status failed on the original email they sent me which includes a note saying they were sending my information somewhere else.
Complaint sub-issue: Their investigation did not fix an error on your report

My elderly XXXX had a Citi XXXX card. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with Citi. Instead, Citi keeps reporting this card on my account. I have written XXXX letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using XXXX XXXX assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The Citi Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX of 2022. I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX points since. This is such a blatant attempt to try to put stress on an already stressed family dealing with illness, loss, elder care issues and racism. Please assist. 

Thanks! S.I.R.
Complaint sub-issue: Account status incorrect

this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Trouble with how payments are being handled

I made a request for refund of payments made during the pandemic due to personal financial need. The request was made on XX/XX/26. I was originally told I've have a refund 30-60 from when I made the request. 

The complicating factor is that I'm requesting refunds for payments made to a previous servicer. Of which have all payment records for. 

I've called recently a few times asking for an update and have received contradictory and/or misleading information. They say I need to wait another 90 days. And it's not clear to me what the hold up is - one rep mentioned the XXXX XXXX XXXX on a different call they said it was the department of treasury, on another call they mentioned it was delayed due to needing to get information from the previous servicer, and another rep said it's sitting in the mohela account department. 

I've attempted to resolve this ( mainly just need realistic expectations for when the refund will be issued -- also CARES act probably didn't expect student servicers 3 months to process a simple request ) wait times to speak to a representative are 1+ hours. When asking to speak with a supervisor or anyone else who might know more information I've been sent to their end of call survey ( this happened 2x times )
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/2021 I wrote Great Lakes about the student loans that are on my credit report. The letter was regarding account # XXXX, which you claim that I owe {$74.00}, XXXXCOMES NOW, XXXX XXXX XXXX XXXX, herein after Affiant. Affiant is competent with sound mind to state to the matters included in this Affidavit and has first hand knowledge of the facts, and hereby declares to the best of Affiants knowledge and belief that the statements made in this affidavit are true, correct, complete, not meant to mislead and tendered in accordance with the Maxim of Law that provides that Truth is expressed in the form of an affidavit. An unrebutted affidavit is presumed to be true. Respondent ( s ) is/are required to timely respond to and to rebut the truths expressed in each point, categorically and on a point for point basis with an affidavit that is signed and sworn to on respondents commercial liability and witnessed by a third party public witness, e.g. notary public, or other person qualified to attest to foreign bills or the matters expressed in this affidavit that rebuts this affidavit, or the truths expressed in this affidavit shall constitute the final truth and judgment against in this action and demand to dismiss with prejudice nunc pro tunc. 
FACTS 2 It is a fact, the Affiant is a natural consumer identified is 15. U.S.C 1692a ( 3 ) 3 It is a fact, the GREAT LAKES is a debt collector pursuant to 15 U.S.C 1692 ( a ) 6 and 15 U.S.C 1692j ( b ).

4 It is a fact, the Affiant is the creditor pursuant to 15 U.S.C 1692a ( 4 ) 5 It is fact, GREAT LAKES has violated several federal laws listed under the Fair Debt Collections Practices Act and Truth In Lending Act 6 It is a fact, verification for alleged account # 03-5080452 has not been satisfied pursuant to 15 U.S.C 1692g ( 4 ) ( 5 ).

7 It is fact, the Affiant is entitled to monetary relief pursuant to 15 U.S.C 1692k if settlement is not reached by consumers desires. 
Your failure to rebut the claims made herein point by point with federal law shall constitute your tactic agreement that the claims are true and your acknowledgment that we agree on all points and we further agree that respondents agree not to interfere with Affiants privacy in the future. You have 3 days pursuant to Regulation Z of the Truth and Lending Act to rebut this Affidavit of Facts with a sworn affidavit of facts not hearsay nor information or belief under penalties of perjury. If this affidavit is not rebutted by XXXX XXXX. Silence is acquiescence. This will be become public record attached with an invoice with damages for non-compliance under 15 U.S.C 1692k. 
On XX/XX/2021 I received a letter stating that the forgery claim as denied.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

My XXXX account notified me of a collection put against me by BC SERVICES INC for {$300.00} for XXXX XXXX XXXX XXXX. 
I was never given a bill from XXXX XXXX XXXX nor did my insurance show anything that I owed. I also had given an HSA card at the time of service. 
Had I known of the bill, I would have paid it - instead, they destroyed my credit score.

I paid the collection agency, but I still don't know what the bill is for, nor why it wasn't covered by my HSA or insurance.
Complaint sub-issue: Reinserted previously deleted info

This has been removed from my record, this was a LNI that got wrongfully billed and paid
Complaint sub-issue: Information belongs to someone else

SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRASs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

I have and issue where i have inaccurate information being reported on my credit report. I have disputed many times with this company via certified mail, online, phone with no positive resolution. These following accounts i am going to list are inaccurate and non-validated with a deletion not being made and the account never being proven to be mine. 
XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$550.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1400.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1700.00} XXXX XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX FINANCIAL ( Bank ) XX/XX/2021 XXXX XXXX XXXX BANK ( Finance ) XX/XX/2020 XXXX BANK ( Bank ) XX/XX/XXXX 2020
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2021 at XXXX, XXXX XXXX XXXX a representative of XXXX XXXX XXXX spoke to my husband about my supposed debt. He served him with papers from XXXX XXXX XXXX. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.
Complaint sub-issue: Account information incorrect

Collection from XXXX XXXX XXXX, I do not recall doing any business with the following collection agency. Please verify debt.