Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

XXXX different Issues with Equifax concerning, XXXX different accounts with XXXX different companies : 1 ) I have XXXX accounts with ( creditor ) XXXX. The XXXX accounts were discharged via the Bankruptcy Court on XX/XX/2015. I disputed these accounts with Equifax and uploaded the Bankruptcy Order ( XXXX 2015 ). Equifax claim that they never received my dispute. Upon speaking with a Supervisor ( XX/XX/2015 XXXX at Equifax , she stated that they were using information from a dispute that I submitted in XX/XX/2015. I had not gotten a order from the Bankruptcy XXXX at that time. Equifax currently has the XXXX accounts listed as open, past due and in collections. 

2 ) Equifax has an account from ( creditor ) XXXX XXXX listed on my credit report. XXXX XXXX has removed the account from my credit report. I disputed this item. The account is currently still listed no my Equifax credit report. Upon speaking to an supervisor at Equifax , I was told that they were again using information that was submitted in a previous dispute that I filed. I told the supervisor that, XXXX had recently removed the account from my credit report. 
Equifax has refused to remove the accounts with XXXX and XXXX form my credit report.
Complaint sub-issue: Contacted you after you asked them to stop

OMEGA RMS LLC , continues to use  alias o f my name to continue a collection that was settled on  XX/XX/2016    with another company representing   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX  just sent another letters stating account has been paid in full but if disputed the account will be reopened.     First : thing the name is incorrect  XXXX  not my name spelling.   Second :  Letter is  an UN-officall letter and an poorly attempt to reactivate account by committing a illegal predatory and purposely done I will consider this an act of fraud. I will be seeking any Criminal Avenues open to me.
Complaint sub-issue: Problem during payment process

I have 2 Citicards XXXX ( Business ) and XXXX ( Advantage ). In XXXX, Advantage sent a mandatory replacement card. I did not authorize this card. However, Citi began using the new account. When I receive my mailed statements, I access the XXXX version on line. I do this so that I can designate which expense is paid by my business, home or other user. In XXXX, I discovered 4 statements (??? ) on line but the XXXX versions were not available. A recent payment was not on any of the accounts. Citi had to do a forensic search to find the payment. Since then, I have been unable to reconcile the accounts and therefore, unable to pay my bill in full. After many, many hours ( probably 30+ ) of conversation with Citi Customer Service , I contacted the office of XXXX XXXX , CEO. XXXX XXXX has responded. I have sent all thXXXX XXXX spreadsheets that do not reconcile with the PDF ( printed ) statements. The issue is not yet resolved. However, last week XXXX XXXX was on vacation & suggested that I contact Customer Service. That 's when I decided to file a complaint. XXXX XXXX also suggested that if the account was not paid in full, Service & Interest charges could not be reversed (!! ). I can not pay the bill in full until I can reconcile the statements. Another suggestion : My credit would be affected (!! ) PS Your form only allows the id for one card. I have two cards in disarray.
Complaint sub-issue: Information belongs to someone else

I was in XXXX  during the time that my information was being used. I have submitted a police affidavit and FTC to equifax and I haven't gotten a reply back for that. I submitted a XXXX  letter as well earlier this year and got no results.
Complaint sub-issue: Received bad information about your loan

The letters sent went to addresses that I no longer lived at. Both of these addresses had permanent forwarding addresses. 

This leads me to believe that these letters were never sent. I did not get proper notice before these loans went into default.
Complaint sub-issue: Account information incorrect

To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.
Complaint sub-issue: Information is not mine

There are numerous inquiries from lending institutions for an auto loan which I never authorized reporting on my Equifax credit report. I have disputed these inquiries with the credit bureau along with the creditor with no recourse. These inquiries are negatively affecting my credit and I have expressed my dissatisfaction with the method that my disputes have been handled with the Equifax credit bureau and lenders.
Complaint sub-issue: Company closed your account

Citi closed all of my Citi credit cards with no contact. I was using Citi cards for many years, paid my bills and annual fees on time. From last XXXX, I was out of US because the Covid 19, so I missed 1 or 2 payments, but paid off in second after I found that. Sometimes, Citi.com wasn't easy to login outside USA, also the Citi App. I have good financial condition, and many investments. I don't understand why Citi closed a loyal customer 's accounts, for only few dollars interest and late fees. And I was paying the interest and late fees. Also, Citi confiscate all of my cash back rewards, around {$500.00}. I need to protect my rights. Never receive any letters which explain the reasons how the decision was made, even I asked Citi couple times.
Complaint sub-issue: Attempted to collect wrong amount

I had a judgement on me from XX/XX/XXXXvia XXXX XXXX. Who is now Troy capital. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 Troy Capital is not the original debt.. it was XXXX. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.
Complaint sub-issue: Account status

Credit bureau reporting unverified accounts on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

For the past month, I have been trying to get a total of 18 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : An toy scion mall of ga # XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( Tuesday, XX/XX/XXXX ), XXXX XXXX ( Friday XX/XX/XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/XXXX ) XXXX XXXX-indirect ( Monday, XXXX XXXX ) XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX XXXX ( Friday, XXXX XXXX ), XXXX-Auto Finance ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( wednesday, XXXX XXXX ), XXXX XXXX ( wednesday, XXXX XXXX ) XXXX  XXXX ( wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX ( monday, XX/XX/XXXX ). I sent dispute letters to Equifax to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon covering from XXXX for the second time, I began reviewing mail including copies of my credit report that I did not order. Upon reviewing my Equifax credit report, I notice the appearance of multiple bankruptcies and incorrect items on my credit report with Equifax. At the beginning of XXXX, I began the process of disputing several items. The most recent investigation involved the multiple bankruptcies being reported. I submitted the dispute online as I had filled out the paper document that was sent with the credit report, but an investigation never started. Because Equifax did not initiate the investigation, I submitted the investigation online. I did receive a confirmation number. Thirty days passed and Equifax sent me another credit report stating that the information was verified. I then sent another request of Equifax asking for the company to send the information that was verified to them. I did not receive the answer that I requested, Instead, Equifax conducted another investigation that lasted another thirty days and I receive the same response that the accounts had been verified. Unknowing to Equifax, I sent a certified letter to the source of the information listed by Equifax. I received a response from the original source that they do not verify information and that I had to contact Equifax. I have since sent Equifax the same letter from the source that was sent to me. The document was sent to Equifax via mail and electronically.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXXXXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX 
{$160.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$170.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need be removed immediately!
Complaint sub-issue: Attempted to collect wrong amount

In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus. 
After reviewing my report, I noticed The Bureaus INC was reporting, negative and erroneous items to the credit bureaus. The Bureaus INC actions have negatively impacted my personal credit report. 

On XX/XX/2020 I sent a Validation letter to The Bureaus INC ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to The Bureaus INC Tracking # XXXX ( Tracking Information Attached ) In XX/XX/XXXX I received a response letter from The Bureaus INC. 

In the Validation Letter that was sent to The Bureaus INC, I stated that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing The Bureaus INC response letter, I noticed that The Bureaus INC didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws. 

Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

So, I went to the Texas Secretary of State website and entered The Bureaus INC name and address. 

I also went to Collection Agency Licensing website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that The Bureaus INC has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. 

FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. We can clearly see that The Bureaus INC had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.
Complaint sub-issue: Problem with fees

Rec 'd an invitation to apply for the XXXX XXXX in XXXX. Applied online. At the time of the invitation, I requested a balance transfer in accordance with their offer of 0 % financing, 0 % transaction fee. The card was approved and then sent out. I then rec 'd notice that they needed more information on the balance transfer so on or about XX/XX/XXXX, I called and answered some more questions and was told the balance transfer would be processed. On XX/XX/XXXX I rec 'd notice that I would be charged a XXXX transaction fee. I promptly called and have called in numerous times including to their executive offices support team ( XXXX ) onXX/XX/XXXX and was told they would review the case and get back to me. I called them again on XX/XX/XXXX to be told that they had sent out a letter advising me that the charge would remain on my account. I asked how this could be since I had sent in pictures of all of the documentation they sent showing XXXX transaction fees on all balance transfers. They said they needed me to send in the documentation again - which I have - I explained that the same terms noted on the invitation were provided with the credit card itself when it arrived. Please help!
Complaint sub-issue: Information belongs to someone else

Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX, US DEP XXXX XXXX DPT ED/XXXX, DPT ED/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX REV, XXXX, XXXX XXXX XXXX and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.
Complaint sub-issue: Received bad information about your loan

I have been a XXXX XXXX employee for 12 years. I have made 120, timely payments as necessary for Public Service Student Loan Forgiveness, ( PSLF ). However, I was denied both PSLF as well as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ). First, I was told that I didn't qualify for PSLF because I never moved my loans into an Income Based Repayment Plan. I was never informed of the requirement to do so, nor would that have made sense financially. When the program began, I was told to just keep making payments and that I could not do anything or apply until the 10 years had passed.

After the 10 years had passed, I applied and was denied for very confusing and nonsensical reasons. When I recently applied for TEPSLF, I was denied indicating that only 20 of my payments qualified rather than the necessary 120. I never moved my loan into an Income Based Repayment Plan after I was initially denied, so this doesn't make sense. Why do 20 now qualify and don't all of my payments qualify? I have made them in full, on time, as required for over 10 years in a Standard Repayment Plan. This " forgiveness '' has been misleading, deceptive and profoundly disappointing.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVECONTACTED EQUIFAX SEVERAL TIMES REGARDING ACCOUNTS THAT ARE NOT MINE, I AM NEEDING THEM TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. 
THE ACCOUNTS THAT SHOULD BE REMOVED ARE XXXX XXXX, XXXX  XXXX AND XXXX XXXX XXXX,
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   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: Inadequate help over the phone

I have been dealing with Equifax for over 2 months about 4 accounts that is on my credit report. XXXX has agreed to delete the account off of my credit report. I have sent 2 letters from XXXX and they still have not deleted the accounts off of my credit report. The only thing they have done is restart the investigation, If I have proper documentation from the company agreeing to delete the account then that is what Equifax is suppose to do. They have restarted the investigation under the terms of validating the account, which they are n't suppose to do because I was n't asking for a validation, it strictly for the agreement that XXXX and myself came to, which is to DELETE off of my credit report. They have BOTH letters on file and they still refuse to delete off my credit report.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On multiple occasions Credit Karma has pre-approved me for credit cards when thats wasnt the case. I would then proceed to apply and get turned down in the end. Its very frustrating
Complaint sub-issue: Received unwanted marketing or advertising

Phony email : Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, XXXX  and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.
Complaint sub-issue: Reporting company used your report improperly

Equifax used improper network and data security practices that resulted in my personal data being leaked to individuals of ill intent. I should be able to trust a credit reporting agency to take appropriate security measures to avoid compromising the identities and personal financial security of it 's customers.
Complaint sub-issue: Was not notified of investigation status or results

It has been 60 days with absolutely no response from the bureau about my complaints which is in complete disregard of the law. I hope that with your help this will no longer occur
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.