Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have contacted Equifax many times about this issue. They have either no information or incorrect information about me with them. They say the ONLY way to fix it is to fax the information or send it through the mail. I have confirmed both the mailing address and the fax number twice. Also, twice on the phone agents have confirmed their fax is not working. The mail has either been lost or they are being negligent with the acquisition of my social, full name, address and date of birth. There MUST be more available lines of communicating my information to them so that they actually get it, instead of the mail and a fax number that does not work. I can not continue to mail my personal information and pray that they finally receive it without trying another avenue of contact that actually works.
Complaint sub-issue: Didn't receive enough information to verify debt

Firstmark Services claims I owe them for a student loan debt that was purchased from XXXX XXXX. I was made aware of this on XX/XX/2021. On XX/XX/2021, I requested validation of the debt within 30 days and was advised on XX/XX/2021, that a copy of the promissory note would be sent to me with 2-3 business days. It is now XX/XX/2021, and I have been provided absolutely no documentation to validate this debt is mine. Firstmark has since reported the debt to credit bureaus ( even without the ability to verify its validity ) and has continued to attempt to collect the debt while it is in dispute. I received notices this week via both email and physical letter that the account is past due, even though the validity of the account is in dispute an unresolved. It has been almost 45 days since I requested validation of the debt and I have been provided nothing while Firstmark continues to attempt to collect.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.
Complaint sub-issue: Company closed your account

Hello, as I continue to research my rights, I find Ive been exploited and taken advantage of by various companies. The company I am seeking relief from is Discover Bank. I opened a secured credit card XX/XX/21 with this company. A secured credit card is permissible by me providing the amount of credit allotted to me. I had supplied the {$500.00} for the {$500.00} line of credit I received. Long story short, I came upon financial hardship especially due to COVID 19 and how it affected my working hours. I missed some payments and Discover Bank closed my account due to this XX/XX/21 and also is attempting to collect {$670.00} from me per my consumer report which may be false as I havent received any statement from Discover Bank. All in all, how am I being charged anything when I gave the initial {$500.00} of credit in addition to my open end credit card aka my social security number. This company has received their payment and they are trying to take advantage of me and get more payment for money theyve already received. Also closing my account due to me having difficulty paying on the account due to COVID 19 and negatively impacting my credit score when again this company is not in any deficit with my account. This is not right and now I am seeking a just remedy to this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A merchant, XXXX issued a credit of {$34.00} to my Discover card XXXX on XX/XX/21. I received an email confirmation from XXXX of this transaction on XX/XX/21. XXXX XXXX is a closed account, so Discover has to transfer the credit to my current account, but is unwilling to do it. 
I made two formal complaints with CFPB XX/XX/21 and XX/XX/21 regarding this issue. Discover 's response to the first complaint was that they didn't have a record of my having card XXXX, so they couldn't return my money. Discover 's response to the second complaint is that they do have a record of card XXXX, but there is no credit of {$34.00}. 
I have confirmed with XXXX on two different occasions, XX/XX/21 and XX/XX/21 that the credit was issued to Discover card XXXX since XX/XX/21, so it does not make sense that Discover does not have the credit. 
Discover 's policy is that they transfer credit from closed accounts to current account within 72 hours. This has not been my experience with Discover. They have never transferred credit from a closed account to a new account within 72 hours. I have always had to call in to initiate the transfer process after waiting for a month without any action from them. If I didn't call, I would not have received the credit. 
Discover continues with this deceptive practice to avoid crediting consumer 's account. 
My credit has been with Discover for two months and it still has not been transferred. I called the merchant twice regarding this matter, each time they confirmed the credit was issued to card XXXX on XX/XX/21. This leads me to question Discover 's conclusion that they don't have the credit in their system. In addition, I wonder if Discover ever called XXXX during their investigation.
Complaint sub-issue: Problem with personal statement of dispute

I am a XXXX  attending classes online for XXXX  XXXX college. I received several loans to pay for my schooling. I am also employed with the XXXXXXXX XXXX XXXX  which has a program that I am enrolled in where my payments are deferred each year, which I have to resubmit each year. This year there was a delay in the processing which caused my loan accounts to show 90 day late payments on all of my loans. Once I spoke with the loan department and got everything cleared up they told me all of my late payments would be removed from my credit report. These late payments are still showing which caused my credit score to drop 70 points making it very hard to obtain credit for a new home. I have tried to resolve the issue but was not successful.
Complaint sub-issue: Their investigation did not fix an error on your report

Per the bankruptcy court, equifax has the sole discretion as to when to remove the reporting of a bankruptcy ... 7-10 years. I have requested they remove my bankruptcy from my report as it has been 10 years, the maximum time for a bankruptcy to remain on a credit report. There is no legal reason for Equifax to deny my request! They have decided, for no valid reason other than it is/was accurate in its information to leave it on the report. This decision is completely arbitrary and makes it discrimation in every way! They are being discriminatory when deciding who to leave a bankruptcy on for and who and when to remove it. 
According to the bankruptcy court, it needs to be removed upon request if it is 10 years. 
Equifax refuses to remove this reporting. I will sue if it is not removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted four disputes in the last two month to XXXX Jefferson capital is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a XXXX XXXX bankruptcy petition and closure.
Complaint sub-issue: Debt is not yours

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Banking errors

Citibank is offering a bonus for newly opened eligible checking or savings accounts. If you open a checking/savings account and deposit {$15000.00} into one or both accounts, after 60 days, Citibank will give a {$400.00} bonus. 
I did everything the bank required and was a qualified new customer at Citibank. But now my $ XXXX is in the account for more than 3 months and no bonus was sent to my account, I called them and they said I need to appeal. 
My husband also opened an account just like mine and he called Citi bank and he got a letter telling him to wait another 90 days. 
I can believe CITI bank is such a scammer, I found many people complaining about the same problem and people suggest we complain to CFPB and the problem will be solved quickly.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights.
Complaint sub-issue: Debt is not mine

In XXXX, 2015 I entered a written dispute with FIRST FEDERAL CREDIT & COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, FIRST FEDERAL CREDIT & COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

FIRST FEDERAL CREDIT & COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with FIRST FEDERAL CREDIT & COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. FIRST FEDERAL CREDIT & COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that FIRST FEDERAL CREDIT & COLLECTION is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to FIRST FEDERAL CREDIT & COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Complaint sub-issue: Debt was paid

XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix. 

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help. 

I have contacted XXXX 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name. 

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.
Complaint sub-issue: Information belongs to someone else

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

My name is XXXX XXXX XXXX and I am writing this complaint without the assistance of a 3rd party. This alleged debt was settled by tax write off. LoanMe nor their assigns have a UCC 11 lien, past or present, to prove alleged debt. I refuse to pay this alleged debt.
Complaint sub-issue: Problem during payment process

It all started when I thought someone got my card number and charged on it but it was a miss judgment but the card was canceled and a new one issued. I had a payment due so I looked up what I thought was the address of where the payment was supposed to go so I entered it in my bank payment page on my banks app and made a payment of {$250.00} dollars ahead of time. I got a notice that the payment was coming up due and they claimed that they didn't receive the payment yet so I made another payment for XXXX dollars to stay current. I made the payment on the phone with Citi bank and I asked her why they didn't receive my first payment, I gave her the address I sent it to and she confirmed that it wasn't their preferred address but it still was their address. She then sent me to their lost payment department and filed a complaint, she put the payment against my account but I had 10 days to get her proof of payment which I called my bank and they sent me a copy ( in a email ) of the check that they sent I offer to send it to citi bank in a email but she didn't want that she wanted it to be mailed. I said to her that with the post office it would be lucky if it got there in 10 days. She said mail it so I printed it out and mailed it. After about XXXX weeks they took the XXXX dollar credit off of my account and said that the picture I sent wasn't clear enough. I then went to my bank and had them print out the check copy and sent that one. In the mean time I had another payment coming due and when I was talking to the first lady she gave me the right address so I changed it on my bank payment account. I sent a payment ahead of the statement because it was late getting to me ( email ) I sent XXXX dollars I finally received the statement and the payment was like XXXX dollars somewhere around that so I sent a addition XXXX dollars well before the due date. I then got another notice that they haven't received any of the 2 payments so I went on to their app signed up for bill pay and made a XXXX payment which was credited to my account. Now as to this day they have been dragging their feet on the payments I called her again and asked her where my payments are I have another payment coming up due in a week or 2 and I am going to use my bank I am paying for bill pay though my bank account for the convenience so I am not going to be going to all the different accounts to make payments when I can do them all though my bank. They to this day have not found the XXXX dollars ( 2 months ) or the XXXX dollars ( 1 month ) they surprise surprise found the XXXX dollar payment and that one was made after the XXXX dollar one. 
I need help I am getting nowhere with them. 
XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge me
Complaint sub-issue: Debt is not yours

I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

OnXX/XX/XXXX I spoke with XXXX XXXX of XXXX XXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX -Balance {$2600.00} XXXX -Balance {$0.00} XXXX {$46000.00} XXXX XXXX XXXX {$1200.00}