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

I have a loan with XXXX. 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, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

PLEASE DELETE. ACCOUNT TRANSACTION LISTED WERE NOT DONE BY MYSELF.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX : XX/XX/1991 Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent LexisNexis a dispute notification on XX/XX/XXXX and it was delivered on XX/XX/XXXX via USPS with tracking number XXXX. 

LexisNexis however didn't initiate the dispute until almost a week later and still has no answer and continues to report inaccurate information on my CLUE report.
Complaint sub-issue: Application denied

unethical evaluation of credit card application by US bank : I applied for the credit card with US bank, however, i was approved only for {$600.00} credit limit. I have a very good credit history but they still denied the increase in the credit limit. if my history was not good they should have denied the card at the first place. 
now they are not increasing the limit and issued me the card which is of no use to me.
Complaint sub-issue: Information belongs to someone else

It has come to my attention that 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 ( Collection 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 XXXX! This is very inconvenient on my part!
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a demand letter from Unifin Inc on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that Unifin Inc and XXXX XXXX XXXX are debt XXXX demanding a debt on behalf of XXXX XXXXXXXX XXXX. I have not received any goods or services from Unifin Inc, XXXX XXXX XXXX, nor XXXX XXXX XXXX and I do not know how Unifin Inc, XXXX XXXX XXXX, or XXXX XXXX XXXX received my private information. Unifin Inc and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that Unifin Inc and XXXX XXXX XXXX XXXX or may not have with XXXX XXXX XXXX. I am not responsible for Unifin Inc and XXXX XXXX XXXX purchase / transfer from XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 
Please be advised that Unifin Inc, XXXX XXXX XXXX, and XXXX XXXX XXXX will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : Unifin Inc, XXXX XXXX XXXX or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Complaint sub-issue: Billing problem

We received a payment deferral for one payment in 2020 with Covid relief offered by Us Bank. They stated the amount due would just be collected at the end of the lease term. They are now claiming that is not the case and have showed the loan late when I made several payments. Then reported the payment as late to the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed disputes and complaints about 4 collection accounts being on my credit report that do not belong to me from XXXX on XX/XX/XXXX. In response Equifax claimed to have removed the accounts from my report and they deleted all but one of them. I called to let them know and ask why they still had one on my report and was told I would have to file another dispute.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax and XXXX have violated my consumer right which has forced me to file a federal compliant and law suite please see accounts listed accounts on my Affidavit these accounts are now in litigation. PLEASE SEE ATTACHMENT.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This can not be a repossession because FIRST SERVICE CREDIT U has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX 1. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because Equifax is reporting me being 60 days late in XX/XX/XXXX when my XXXX XXXX shows I paid on time in XX/XX/XXXX. 
XXXX XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting a method of verification of this bankruptcy on my credit report.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX AP XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Discover send me a lot of letters offering me the Discover It credit card the last offer I was offered a 14 month 0 apr on opening the account perfect they gave me that but it says on the offer after that APR will be 13.24 % -16.24 % based on creditworthiness but ended up having a 21.74 % APR after the 14 months. I called 2 times explaining that no luck wrote to them they told me that is the lowest APR they can gime me. So why did they did send me multiple offers for a lower APR and then when I opened the account they gave me a one not near what I was offered. That it 's just false advertising they lie to the clients then when they have you on their hands everything changes.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, 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

On XX/XX/2022, I sent a letter regarding inaccurate/unfair items on my report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation. It has been well over 30 days and you've failed to verify these items. Under the FEDERAL LAW, unverifiable accounts must be DELETED. I demand these accounts to be REMOVED before legal action is taken.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX our XXXX XXXX was used at the XXXX XXXX  XXXX in XXXX XXXX Texas by someone other than ourselves in the amount of {$140.00}. We live in the XXXX area which is a little over three hours away and was not in XXXX XXXX that day. Unlike XXXX, who has called us on several occasions about suspicious charges and taken them off when we said we did not make the suspicious purchase in question, we heard nothing from XXXX. My wife discovered the charge when reviewing our statement and called them on XX/XX/XXXX. They credited our account on XX/XX/XXXX and then reversed the credit, putting the charge back on our account on XX/XX/XXXX. Despite many calls to XXXX XXXX they refuse to take the charge off. On one occasion the XXXX rep stated that it had to be us making the charge because it would be impossible to commit fraud because of the chip. This is insulting and ludicrous. Thieves figure ways to commit credit card fraud without the chip constantly. Case in point : fraud on our XXXX card that has happened several times. Our latest call was today. My wife discovered today that they had closed the case but it was reopened. My wife asked to speak to a supervisor but that did not occur. On XX/XX/XXXX my wife has been given the number of a case processor ( XXXX ) who stated on voice mail that she would return the call by the next day. My wife asked what the signature on the XXXX XXXX  charge looked like ; a XXXX rep said it was illegible. Our signatures are legible and we offered to send copies of our signature from old checks. This would clear up the whole problem by comparing signatures. Today the lady on the phone did not seem to grasp that if they really wanted to clarify the problem that this would do it. We would not suddenly use an illegible signature if our normal signature was legible. She said we could do that but they are not asking for that at this time. This is claim no. XXXX per XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Ive filed a claim and they keep siding with the merchant even though they have no proof for why they charged me and the credit card company keeps transferring me to other departments when I try to call and handle the situation because I definitely did not authorize these charges and would like my money back
Complaint sub-issue: Information is not mine

A number of items are showing up on my credit report that are inaccurate. I took the time to send debt validation letters to each inaccurate account on my record. Most, if not all of the creditors never took the time to properly validate my debt. Most did not even respond to my validation letters. 

I sent a dispute to the credit bureaus showing all of the documentation ( including certified mail receipts ) in order to prove that the creditors had not properly validated my debt and ask that it be removed from my account as is my right by law. Equifax replied by mail to tell me that all of the invalidated debts were still mine and staying on my credit report. As I start to look for a house, I am sure that these collection accounts will keep me from getting a mortgage even though the debts have not been validated as is required by law.
Complaint sub-issue: Trouble with how payments are being handled

I never took any money from any loan. I never took any classes. The disbursement of any loans for school were handled directly between Sallie Mae and XXXX XXXX. The loan with Sallie Mae was approved but never used. The college course was cancelled at the appropriate time with no faults or penalties. I have no late fee or payments that I owe. If the administrative personnel who is supposed to be in charge of making sure cancelled courses and payment disbursements aren't sent out did not complete the job correctly. It does not falter onto me if this is not resolved with the upmost urgency I will have no choice but to purse legal action.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : Account # XXXX US Department Of Education XXXX US Department Of Education XXXX XXXX XXXX US Department Of Education/XXXX XXXX XXXX US Department Of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S  MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.
Complaint sub-issue: Information belongs to someone else

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature.
Complaint sub-issue: Old information reappears or never goes away

I attempted to obtain a recent credit report from XXXX and the information provided is erroneous and misleading. I have responded to XXXX  about the situation ; XXXX  has done NOTHING to resolve the errors and misinformation.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Typical deceitful bill collector. Collector told me if I set up a payment plan, would not be reported to CRA and If I don't they will hurt my credit. Also, I contact the XXXX XXXX XXXX XXXX XXXX and they have NO records of any payment due since my Insurance covered and pay all my medical expenses. They admitted their mistake and said they will send an email to americollect to retroactively fix the issue. I asked americollect to contact XXXX XXXX XXXX XXXX XXXX and they refuse to do so saying they do not contact their client. This is unfair and illegal to not rectify an issue after proof is given. Threatening me to ruin my credit over a debt That I DO NOT OWE. I seek advice from XXXX XXXX who advices me to call in which I did as stated above to the phone number ( XXXX ) XXXX and I also conducted an investigation in which according to CFBP Americollect stands at a whopping complaint rating # 182 of 2,458 companies.
Complaint sub-issue: Information belongs to someone else

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Citibank is the most unprofessional Bank covid-19 crisis I miss one payment and it decrease me down to {$300.00} Citibank cancel my account and I would never go back on and I would never trade with any retailer credit cards y'all have I want the world to see this y'all stay away from Exxon Mobil credit card
Complaint sub-issue: Investigation took more than 30 days

I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.
Complaint sub-issue: Information is not mine

The creditor XXXX XXXX of XXXX XXXX is reporting to my credit as an inquiry. I have spoken with XXXX the finance manager at XXXX. I also spoke with XXXX, she is a XXXX representative in special handling. I have written XXXX approximately three times regarding the same issue. XXXX expressed that he does not have me in their system at all. However, XXXX is telling me that I need a Letter of Deletion from the very creditor who has expressed that they need a letter from XXXX. Meanwhile, my credit standing hangs in the balance. I simply want the inquiry removed. 
Thank you
Complaint sub-issue: Application denied

I applied for a no interest credit card and was turned down. I got my credit report and I have a lot of good credit on it. One thing my life time Insurance co was supposed to have paid was on it, it that was 2011. The company is taking care of it. But I have cards from Citi that do not have abalace. I ca n't believe they turned me down.
Complaint sub-issue: Received bad information about your loan

About XX/XX/XXXX I began working toward filing a request for an IDR plan with Great Lakes Borrower service. They had contacted me regarding an upcoming payment to be made in the amount of {$1000.00}. This is far more than I can afford right now so I went onto their website to attempt to file for an IDR. I was told I qualified for an income driven repayment plan and was directed to studentloans.gov where I began to process my request. Part of the way through that application it sent me to irs.gov where I encountered my first problem. There was some problem with the irs.gov form submitting my information. As it was only a few weeks until my due date, I did not wish to rely on paper mail. So I called Great Lakes, figuring I must not be the first person with the problem. The person on the phone did not even let me finish explaining my problem before telling me just to download the app. She said that if I submitted my request on the app I could use images of my paychecks as proof of income and not have to worry about issues with the irs website. Wonderful. So I downloaded the app and submitted the requested documents, proof of payments over the last 90 days. The service told me that my documents had been accepted and that if they needed additional information to finalize my IDR plan request they would contact me. Today, the day BEFORE my payment was due, I logged in online just to ensure that everything was properly set up, only to discover that Great Lakes had never finalized my IDR, or perhaps they did, their website is so misleading I'm not sure, and they are already processing a payment for {$1000.00}. I was told that my lDR payment would be about {$120.00}. I am a XXXX XXXX XXXX, there is no way I can afford to pay over a thousand dollars a month for anything, let alone a loan which will qualify for forgiveness after 10 years of payments. I tried to contact Great Lakes, somehow they are able to process my payment on a non business day but are unable to answer the phone. I feel as though they have on their website, on their app, and through personal communication attempted to mislead me about what I needed to do to re-new my IDR. I have submitted a complaint with them as well, requesting a refund on the incorrect and early payment or that this payment be applied toward future payments. They are a horrible service, and if it is possible for me to finance my loans through someone else, I would like to do that.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is the worse Credit Reporting Agency to even deal with. On Several occasions I have contacted them with regards to these inquiries and no one ever wants to assist you in finding a solution. These people are not on the consumer side at all and should be fined all day long and I see why they are constantly getting sued ... ..

I want these erronenous hard inquires removed immediately off my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX