Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from XXXX, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Complaint sub-issue: Investigation took more than 30 days

I have tried everything, I tried everywhere, I still see no results. I am a victim of the Equifax data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.
Complaint sub-issue: Account status incorrect

Sezzle reported 30days late on my XXXX  credit report. I paid this debt off months ago and they are showing {$710.00} I have called the company and it directs me to email them. I have emailed them with no response. Last month it showed I had an account still owing put on time XXXX XXXX removed it now this minth in XX/XX/XXXX i get an alert from my credit monitoring about a 30 days late on my credit. I owe this company no money havent used this account since XXXX and they show I am 30 days late and iwe a balance. I owe them nothing I havent used this account in monthes I also attached my payments showing they where paid off. I also was a victim of id theft so that could be a problem. I have immaculate credit and this just caused problems. I owe them nothing and ask they close the account and remove this off my credit. I also have another dispute with XXXX to remove it.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.
Complaint sub-issue: Debt was paid

Hunter Warfiled, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Complaint sub-issue: Account information incorrect

A-L financial corp auto account was closed and paid in full with all the interest on 2020. They had submitted information to XXXX that i had delayed payment for 2 months past 30 days resulting the account status to reflect as potentially negative on XXXX. Keep in mind the account is paid in full and closed. The payment was asked to make at their physical location as still show on their website at XXXX XXXX in XXXX XXXX ca. That office location was closed one day without any prior notification to me and they moved to somewhere far from where i resided back then. when called to make the payment they prefer only cash or XXXX XXXX transfers making is really hard for anyone to make those payments when they did not answer calls and move the physical location to elsewhere without prior notice to loanees. I am in the process of buying a house and i do not want this company after taking all the money and more interest while i was harrased at work and at home almost resulting in XXXX XXXX is now reporting unfavorable statement to XXXX. I had disputed it but the results came back as it satisfys FCRA regulations. I would like to see what proof they have to support FCRA regulations. As per 15 U.S.C. 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 section 604A section2 also states a consumer reporting agency can not furnish account without my written instructions. If no action taken i will reach out to legal counsel and contact AG office against AL financial Corp for malpractices while conducting a business and harassing consumers to the point of XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}.

XXXX XXXX XXXX XXXX XXXX Last verified or different with the three credit bureaus, also the date of last activity. 2 violations. 

XXXX  accounts # XXXX Last date of activity difference on the three credit bureaus also the date of opening is different. 2 volations XXXX XXXX account # XXXX Last verify doesn't match the 3 Bureau also the date of last active and the date of opening. 3volations. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the three credit bureau.XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. 2volations XXXX XXXX XXXX XXXX Last verified and date of last activity and date of open. 3 volations Total volations 16
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, XXXX, 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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. 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 60days 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 21 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 homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

I received a letter form regional acceptance corporation responding to a claim I filed and the information that was documented on that statement of them responding to my claims is all incorrect and lies. I have a voicemail when the recovery guy called me 1 time and I called him right back and gave him the address and information about the vehicle. On my emails that I sent them informing them to come pick up the vehicle had the correct address XXXX XXXX XXXX. I had previously taken insurance and registration off this vehicle in XXXX as I havent driven it since XX/XX/2019. XXXX XXXX called once on XX/XX/2019 and came and picked up the vehicle in that said location that I informed regional acceptance corporation maybe two month prior the location of the car as the car hadnt moved. These are lies and I ask that this car be removed from all of my credit reports and the late charges that they have filed on my report. The information is incorrect in this letter and we can pull the files from speedy recovery to confirm with him that he only called once and only left one voicemail as I addressed and called him right back the same exact day upon getting the voicemail. If I can get a email address I can send over the voicemail.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent several letters out to XXXX, Equifax and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, Equifax and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FAIR CREDIT REPORTING ACT, these XXXX  accounts listed below has violated my rights. 

1. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY 2. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sentXXXX 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 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 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: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2022, Equifax has consistently refused to remove a fraudulent collections account ( XXXX XXXX XXXX from my credit report. 

I have disputed the account multiple times and submitted online the report that I filed with the FTC back in XXXX 2022. But the company continues to refuse the removal of this one fraudulent account. Equifax claims that no documents have been received.

However, I submitted an FTC report online multiple times. 

On Friday, XXXX XXXX, 2022, I submitted another online dispute regarding this account ( XXXX XXXX ), along with documents. This account has not been removed. 

Also on Friday I filed another dispute over the phone regarding a third fraudulent account ( XXXX XXXX, XXXX XXXX ) on my credit report. It has been removed as of XXXX XXXX, 2022 without any documentation submitted to Equifax on my end. 

Today, Sunday, XXXX XXXX, 2022, I have had 4 heated calls with customer reps who have lied and told me that they are unable to remove the XXXX XXXX account from my report. One rep said the account it's been " validated '' as mine when it's not. One agent hanged up the phone on me. Another agent lied to me about transferring my call to a supervisor. Another agent confirmed there are no supervisors on site and refused to provide information regarding the department assessing disputes. 

Equifax is not resolving the problem, just creating additional problems for me and lying about their business practices. And most likely they have created this problem in the first place thanks to their data breach. XXXX XXXX appears to me implicated in a data breach this year as well. 

I want them to be investigated.
Complaint sub-issue: Account status incorrect

The company auto track is incorrectly filing information to the credit bureaus to try to stay on my credit file longer than they should be. I have went to court for this case and the court document show that I owe them nothing. The company actually put invalid information on my car so that my loan amount can be bigger than what the actual car is worth I had a base model vehicle and they made it a top line to sell it for more. This has been settled through two of the three credit bureaus and staying stuck on one because they are providing false information
Complaint sub-issue: Their investigation did not fix an error on your report

I have a charge off on my account that IS NOT a charge off. 

Payment to XXXX holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX XXXX You {$3400.00} - XXXX XXXX XXXX XXXX Equifax has not verified the payment received for the XXXX day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for XXXX days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off XXXX XXXX with a XXXX day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a XXXX day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.
Complaint sub-issue: Debt was paid

I.Q Data International , Inc has sent me a letter on XX/XX/XXXX that I owe {$750.00} which they have credited to XXXX XXXX XXXX apartments in XXXX XXXX. 
I used to live in XXXX XXXX in these apartments in XXXX, one month before in XX/XX/XXXX I informed them that I am leaving at the end of XXXX, they agreed and signed a paper mutually that everything is clear and they will send my security deposit back to me later. When I called them later asking for my security deposit without any real reason they told me your apartment garbage and lock replacement is the reason you are not eligble to receive it. After almost two years sending another letter from a collection agency claiming the same things and asking for another {$750.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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 XXXXXXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX  inquiry on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX & XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX  inquiry on XX/XX/XXXX, XXXX XXXX  XXXX XXXX inquiry on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquiry on XX/XX/XXXX & XX/XX/XXXX, XXXX inquiry on XXXX XXXX XXXX, XXXX inquiry on XX/XX/XXXX, XXXX inquiry on XX/XX/XXXX, XXXX XXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXX XX/XX/XXXX, ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Complaint sub-issue: Information belongs to someone else

I was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud
Complaint sub-issue: Received bad information about your loan

My student loans were included in my bankruptcy discharge in XX/XX/XXXX. I made Great Lakes aware of the incorrect reporting in XX/XX/XXXX, and I was given the instruction to fax over my discharge paperwork and that it would be corrected. I faxed over the documents. When I started getting collections calls, in XX/XX/XXXX I called and was instructed to email my documents to an unsecured email and it would be looked at. I sent the email, no response. Again, collections calls started in XX/XX/XXXX, and so I called in requesting a supervisor, explained my situation and was told that they never received the documents. The supervisor XXXX then proceeded to tell me how they only had one document from me and when she explained what the document said and my correction of her understanding of what that document was, I emailed my discharge paperwork for the 3rd time. Verifying that it was received and was informed that it has to be forwarded. I explained that I expected a resolution and would be filing a complaint for the mishandling of my account which is causing my debt to reflect $ XXXX more than it should and the carelessness and unresponsiveness of that company if I hadn't heard back. Now a week ago, in XX/XX/XXXX the collections calls have started again and after explaining things for the 4th time is like to file a complaint.