Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I started investigating my credit report in XXXX of 2016. I requested my report from Equifax and received a report dated XXXX/XXXX/2016. On or around XXXX XXXX I sent a dispute to Equifax concerning an account I had no knowledge of. I received a notice from them on XXXX XXXX stating that they could not verify my identity and needed more information to process my dispute. So on XXXX XXXX I resent my request with the supporting information they requested and I have not received any response from them. I am filing this complaint because I have made at least XXXX requests for an investigation and have not received a response regarding the erroneous information on my credit report.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2005 Balance : {$19000.00}
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach exposed my social security number and account information which is sadly floating around on the web and will be for the rest of my life. 

I attempted to call equifax to place a 90 day fraud alert but could n't get through. I repeatedly tried, including the online service and was unable because of server problem.
Complaint sub-issue: Problem with personal statement of dispute

As a employed person who has always made my payments to Macy 's, and have had my credit card a long time, I was shocked and appalled by the latest action that happened as a result of Covid. 

At this time- I'm sure everyone has late payments and has a story. Mine was I was under a stay at home order, so my income did get behind. I reached out to the credit card companies, and while some offered time to pay bill- Macy 's decided to run a credit limit report and cut my credit card limit, based on current report. Once they cut the limit -- which I had about 2000 open on the card to use, then it shrinks my debt ratio on my credit score. Not very fair to people that are going through some troubling times. They should have made a call or sent a lettter prior. NOT sent me a letter of cutting my credit limit. 

I've gone back to work this week, I finally found a way to get in online and delay a couple of payments till I'm caught up. Thank you Macy 's, but your unfair credit score reviewing in a time where this is a serious problem for many, made me realize exactly how little you care about your customers. I've never maxed out the card, and I certainly would not do it now. I did not need a credit decrease based on current payment situation. While other companies over to wave late fees, Macy 's does not. They also do not give you an immediate answer regarding Covid help. Every other company I have a card to- has at least had someone answer a phone, and /or if it was an online process they gave you an answer right away if you would qualify for Covid relief as they call it.

Very unfair practice to go after credit limits that affect the overall persons scores, when they are already suffering from Covid loss, and trying to keep up, but could not- due to the home quarantine.
Complaint sub-issue: Attempted to collect wrong amount

Enhanced Recovery Company added a debt to my credit report on XXXX XX/XX/2020 after it bought the debt from another company. The debt was previously removed from my credit report because the account could not be verified by the previous collection agency. Not only was it added back to my report without me being notified by the bureaus or this new collector as required under the FCRA but the collection agency has re-aged the account in order to make the account appear that it became delinquent as of XXXX XX/XX/2020. This is an illegal practice which carries a fine. It caused my score to drop. I'm still not understanding how the collections opened date is after the date that it was updated but the dates are completely off by years.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has a short sale showing on my credit report for {$250000.00} and it's still updating every month prior to the short sale..The account has been closed since 2014 and sill remain on my accounts after numerous disputes with the credit bureaus. ( Equifax, XXXX, & XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint about erroneous collections on my reports causing my credit scores to go down. These erroneous entries were removed yet my score dropped 11 more points. All Of the changes on my report showed decrease in balances
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/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/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

On XXXX/XXXX/2016 i discovered a collection account on my credit report i did not recognize and have never gotten any correspondence about I immediately disputed it with the credit reporting agencies and directly with the collection company. On XX/XX/2016 i received a letter from the collection agency dated XXXX/XXXX/2016 stating they could not verify and they need more time. On XXXX/XXXX/2016 sent a response stating that I am not allowing additional time and that all collection activity me stop. To this day the account is still on my credit file this is a fraudulent entry due to the fact that I never got any communication about the alleged debt from them and now they can not verify it.
Complaint sub-issue: Trouble with how payments are being handled

I have been making qualifying PSLF payments since XXXX XXXX on my direct student loans. I signed up for the program and have submitted 3 employment certifications since I signed up in XXXX. They are for some reason not counting payments I made from XXXX even though nothing changed. I always paid on time and was on an IBR and worked for the same company ( a XXXX XXXX community hospital ) from XXXX-now. I also noticed a qualifying payment rollback by about half during the XX/XX/XXXX billing period to which they can not account for. I called today XX/XX/XXXX to try and get this fixed and they said they will review it in the next 60 days, however I ca n't help but feel they have completely XXXX up my PSLF payments. I should be done paying in XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires that I don't recognize
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citibank credit card i have for over seven years and a exceptional customer. I always pay everything on time and have wonderful credit. About a month ago Citibank decreased my limit from XXXX to XXXX without my knowledge or any letters. They state they sent a email and letter and i still have not received it. I have reached out to them several times to even give me a reason why and they said when i did a transfer from my business account it declined. Which should never have happened. There was plenty of money in there. Both of my accounts went into this crazy negative status overnight hme in the morning they were back to normal. I almost had a heart attack. Since this happened they decrease my limit. It was not my fault. There was money in all accounts. I always pay my credit card off. I use it all the time for my work to get points as this has affected me very much. My work reimburses me and i always pay off. Please help me recover my credit increase. I have contacted all credit bureaus and they say i have impecible credit and never late and i have sent all copies to Citibank also and nothing is being done. I still have not received the letter stating why this was done and it is now going to mess with my fico score which i have worked super hard to keep At the level it is at. Thank you so very much
Complaint sub-issue: Personal information incorrect

When they changed my address they put a typo in your first name. Now the want me to send them info in the mail that Im not comfortable with, like my social security number. They ask for Id, s I dont have like bills with my name that are in my husbands name and aXXXX ; Im retired. The dozens of questions they ask for me to verify who I am are ridiculous. They seem unable to go back three months and see my correct name.
Complaint sub-issue: Can't use card to make purchases

Signed up for CitiBank prepaid credit card, received the card. Tried to connect card to mobile wallet, they didnt send verification code. Called customer Service, and they advised that they would send a letter to my address. Tried to use card, and fraud alert prevented use. Called customer service, and they asked for a family member phone number, but said I am not connected to any of my family members, so they can not verify my information. I cant use my card whatsoever. My prepaid funds are trapped in a card I cant use, and customer service is no help at all.
Complaint sub-issue: Transaction was not authorized

{$5000.00} were fraudulently taken from my Citibank checking account and a claim was filed with the Fraud department at Citibank. When the claim was filed I was told by the Citibank representative that it would take 45 days to do the investigation and my account would be locked which would not allow me to access any funds or process any transactions. I was told that deposits could still be made to the account, however when I tried to deposit money at the atm it did not allow me and I got a message saying the account was locked. 

At the time of filing the claim, the representative also suggested that a new debit card be issued and cancel the old debit card, the representative stated that once I received the new debit card I could also update my online password. I have not been able to update my password as the account is blocked for investigation. 

After less than 30 days since my claim, I received a letter stating that the investigation of the dispute had been completed and that Citibank was denying my claim because they determined that I authorized the transaction. 

As you can imagine I was livid and upset beyond measure, not to say the state of panic I was in losing {$5000.00} from my account. I called the dispute department at Citibank at the number on the letter which stated You are entitled by law to obtain copies of the information used in our investigation. I requested the details of the investigation and the representative could not find any details noted in the account. They did not have anything to support their investigation or reason for drying my claim. 

For the appeal, I faxed a set of evidence to support my claim, it included a police report for the identity fraud and cybersecurity fraud. Again Citibank has denied my claim stating they maintain their position to deny my claim. It has now been over two months fighting this with Citibank and my account is still blocked and I have not gotten my money back. I have spent countless hours on the phone calling customer support, the fraud department, the disputes department, I have gone into the Branch to speak to the manager to see if they can help. The manager has been compassionate and has guided us but cant do anything they keep directing us to a phone to call customer support. 

At this point I need the account to be unblocked so I can move my money to a different bank but no one can figure out how to unblock the account, this is so frustrating. They are holding all my funds now for no apparent reason!
Complaint sub-issue: Debt was paid

In the middle of XX/XX/2020, I received a settlement offer and paid what was requested in the settlement offer. When I checked the company website they subtracted the amount that I paid from the original amount and still show me as owing money instead of paid in full as per the settlement letter that I received. 

This company has not reported this payment and or settlement offer to the original creditor. I also note that a second collection agency in on my credit report for this exact same charge and refuse to remove the charge.
Complaint sub-issue: Account status incorrect

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of addressing the items listed below, to be updated from my credit reports. They neither corrected nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Account status

Lexis Nexis, on or about XXXX XXXX XXXX, reported inaccurate information on a consumer report they provided to the Office of Personnel Management. Report prepared was a consumer report under 15 USC 1681a ( 603d ) because it was a written communication, prepared in the ordinary course of business, containing information bearing on my credit capacity, character, or general reputation, known to Lexis to be used for employment or determination of credit worthiness. 
Lexis reported that I was late on my mortgage in XX/XX/XXXX and XX/XX/XXXX ( Account reported as XXXX. That is inaccurate information. At least XXXX of the XXXX NCRAs report this account as having never been late. Further, when I filed a previous complaint, XXXX, the relevant company denied reporting any prior late payments. 
Bottom line, Lexis prepares consumer reports in the ordinary course of business and, therefore, under the FCRA, they are required to take steps to ensure maximum accuracy. Because XXXX of XXXX NCRAs report XXXX on-time payments for this account, Lexis was reasonably on notice its information was inaccurate and failed to take steps to ensure maximum possible accuracy.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX
Complaint sub-issue: Debt is not mine

I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report.
Complaint sub-issue: Debt was result of identity theft

I reached out to this company XX/XX/2021 and explained to them that this account was opened fraudulently as a result of myself being a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX. 2022 I requested a copy of my XXXX credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Old information reappears or never goes away

There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was recently scammed in XXXX with the XXXX XXXX XXXX scam, they claimed I picked up the suit 2 days later even though I was no longer in the city anymore and forged my signature. I provided all documentation and proof I was not in the city anymore and that I never got the suit because the address given was not the same place the driver took me. Credit card company refuses to open back the case after I submitted airline bus tickets food purchases as proof that I was not in XXXX, currently at a lost of {$610.00}
Complaint sub-issue: Need information about your loan balance or loan terms

SUBJECT : REGARDING ALL CONSOLIDATED FEDERAL LOANS OF STUDENTS, WHO, DUE TO THE NEW CHANGES, WILL BE MADE/FORCED TO RE-CONSOLIDATED ( ONCE MORE ), IN ORDER TO INCLUDE ALL FEDERAL SUBSIDIZED OR UNSUBSIDIZED LOANS TOWARD THE PUBLIC SERVICE LOAN FORGIVENESS. 

To Whom It May Concern Federal Student Loans, U.S. Department of Education On XX/XX/XXXX, the Chief Operating Officer of Federal Student Aid, Mr. XXXX XXXX " announced big changes to the Public Service Loan Forgiveness ( PSLF ) program ''. Reading through the changes, I noticed that although " changes will help me get the credit I deserve for serving my country '' as a XXXX XXXX there is one DISREGARD AND NO CONSIDERATION to students, who, at the time of their first original PSLF application APPLIED to CONSOLIDATE ALL THEIR LOANS INTO ONE LOAN, BUT WERE REFUSED TO INCLUDE THE FEDERAL ( UNSUBSIDIZED ) ( STAFFORD ) LOAN/s as NOT ELIGIBLE FOR THE PSLF PROGRAM. This is my case : when all my loans were consolidated by the FedLoan Servicing ( XXXX ) and eligible for the CONSOLIDATION toward the PSLF, my FEDERAL UNSUBSIDIZED STAFFORD LOAN was excluded and it is not elligible. Therefore, I will be made to RE-CONSOLIDATE once more, in order for my Federal Unsubsidized Stafford Loan to be PSLoan forgiven. This is not fair! With all of the above in mind, former students are appalled WHY, upon the NEW CHANGES, any former student who HAS ALREDY CONSOLIDATED HIS/HER STUDENT LOANS, WILL BE MADE to re-consolidate ONCE AGAIN HIS/HER LOANS into the Direct Loan Program by XXXX XXXX XXXX XXXX. The former student/s evidently applied for consolidation of his/her student loans at the time of first PSLF application, but WAS REFUSED TO CONSOLIDATE ALL LOANS by the order of the FedLoan Servicing, so the student could not get all credit/s for any of his/her federal student loans toward the Public Service Loan Forgiveness. THIS IS UNFAIR and discriminatory, and NO STUDENT, WHO HAS PREVIOUSLY WAS REFUSED CONSOLIDATION OF ALL FEDERAL LOANS, SHOULD BE MADE ONCE AGAIN TO RE-CONSOLIDATE TWICE THE LOANS before XX/XX/XXXX. Instead, the student who was refused the Consolidation of all his/her loans entirely into his/her Federal Loans during the period XXXX, MUST BE PROVIDED WITH THE WAIVER OF the new " FORCIBLE '' RE-CONSOLIDATION of his/her Direct Loan ( DL ) Program Loans. Subsidized and unsubsidized loans, made to XXXX and XXXX students will become eligible for PSLF Program under the new changes. Students should not be made to re-consolidate TWO TIMES their loans. Therefore, all Federal loans excluded from the PSLF must be COUNTED jointly with the consolidated loans, especially when this was the order of the FEDLOAN SERVICING at the time of the original PSLF application, which refused the inclusion of some federal loans into the PSLF Program.
Complaint sub-issue: Account information incorrect

Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a credit balance on my account that I was advised was on the account for the amount listed below. When I spoke to a representative they advised that they will not send a check back to me and due to them closing my account and removing the ability for me to have access to my money they are retaining the money. 

I have requested and requested the money as I have the proof that this happen and Elan Financial/Fidelity has not been willing to comply with issuance of a check and provide a  refund. 

The company will not assist and is delaying this. Elan financial has done this before and took over 30 days to get money back to me. 


XXXX Amount {$1100.00} {$1000.00} {$210.00} {$290.00} {$78.00} {$12.00} Total Amount {$2700.00}