Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Issue : Citi Bank Used a " hard Inquiry that was reported '' to my credit report. 

The phone interest form specified " clicking continue will not impact my credit score '' however it still pulled a hard credit inquiry to define my eligibility for the personal loan promotion. 

Hi, XXXX. Thank you for your interest in a Citi XXXX XXXX. At this time, we're unable to approve your application ( Reference # XXXX ). You'll receive another communication within 10 days with more explanation about the reason ( s ) for our decision. 


XXXX Bank notified me of the hard inquiry used per below credit monitoring alert : New Inquiry CITIBANK, NA An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit.
Complaint sub-issue: Their investigation did not fix an error on your report

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the Equifax data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Complaint sub-issue: Not given enough info to verify debt

I have repeatedly sent this company certifield letters requesting viable proof bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This company continues to send a computer generated statement as proof that the debt is verified and is mine. They are refusing to send me exactly what I am asking for and I have been asking since XXXX 2016. This company continues to report negative marks on my credit report without sending proof bearing my signature that the account is mine or has ever been mine. I am prepared to sue this ageny or 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Pratices Act ( including but not limited to Section 807-8 ). I want the negative marks removed from all three credit bueaus if XXXX can not send proof bearing my signature and proof that I have or ever had a contractual obligation with XXXX XXXX.
Complaint sub-issue: Indicated committed crime not paying

I have been called numerous times in the past couple months. Each time I say yes I want to take care of any outstanding debts but I would like more information on who is contacting me. They just say they are working with the collection agency. Now I am being contacting by a XXXX XXXX and she said I have XXXX and I am going to be summoned at work or at home for fraud and breaking a contract. She gave me a case number. I called the court house in my county and I do not have any charges against me and that the court house does not issue a case # with out having it in the system. The courts said it is a scam
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Funds not handled or disbursed as instructed

I cancelled a cashiers certified check for {$2000.00} sinceXX/XX/XXXX and i am still waiting for the funds to return to my account. That is more than a 104 days. I keep calling and going to the branch and noone can tell me what is going on. The branch says to call customer service and customer service says to go to the branch. Because of this hold up. My automatic bill payment checks have bounced. The bank has charged me fees and blocked my account. 
My billers has also charged me fees. By the time they give me my money back it will just cover fees i incurred because of their lack of organization and fairness. 



I will never buy a certified check again.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I am writing in reference to a Citibanks credit card ( Citicards ). There was a fraudulent charge made in the predecessor card ending in XXXX which was closed upon my call to report this charge. My card was used fraudulently in XXXX. The charge disputed is : Merchant : XXXX XXXX Amount : {$10000.00} ( Euros XXXX ) Date : XX/XX/2018 After calling Citicards numerous times over several months after I discovered the charge and asking to reach out to the merchant and request proof that I made the charge, my case was denied and closed. My credit card was later on closed as well. Citicards claims they reached to the merchant, but never provided any details of that, nor a clear explanation of what information they received from the merchant. 

I reached to the merchant and was provided with a sales invoice showing the charge disputed. The invoice apparently was issued in connection with a purchase in XXXX at an auction house made by an individual with an address in XXXX, who I dont know. The merchant also indicated they typically ask for identification before allowing individuals to participate on their auctions, but I was not provided with any other information or identification that may be in their possession. As such, the merchant must have verified the identity of this individual, which clearly shows it was not me who originated the charge. 

In light of the above, I request that you get involved and ask them to credit back the amount fraudulently charged to my credit card. Please feel free to reach out to me with any questions. 

Regards, XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Hi. I attended ITT back in 2016. I wasn't aware they were under investigation at that time and now have a big burden. A hefty loan that exceeded the loan amount because they tack on ridiculous amount of fees. Its nearly 50k when the program was way less than that. I am in desperate need for help as I have a child to raise. The loan is just a burden over me and just suffocating me.
Complaint sub-issue: Need information about your loan balance or loan terms

I had a PLUS loan with Cornerstone that was paid off in XX/XX/2020. The loan was transferred to FedLoan. I have tried numerous times to get a refund of my payments made from XXXX and keep being told they have no information on my account. Federal Student Aid lists FedLoan as the servicer. FedLoan says they cant locate any information in the account.
Complaint sub-issue: Problem lowering your monthly payments

AES services two of my student loans. I am currently struggling to pay these due to over $ XXXX in federal and private student loan payments per month and had a very difficult time dealing with AES. I have a few issues that need to be addressed and currently AES has not responded to my inquiries through the website in months. 

1 ) I have made multiple request to AES customer service through their website ( via their online email ) but have not received a response in months. I have taken a screenshot of the most recent dates requested and is attached. None of these, to my knowledge have been responded to as shown by my AES paperless inbox. AES does have another message site but they delete the message after a week and we as customers do not have access to these. I have not received a response through this means either. I also think using this temporary message system is suspicious as customers are unable to view message history to accurately document communication with this company that is clearly taking advantage of consumers. Recent dates that help was requested through the site but NO RESPONSE WAS PROVIDED include : XXXX, XXXX, XXXX, XXXX ( there are others but I may have deleted the confirmation of submission email ). 

2 ) I have requested assistance from AES for help in lowering the monthly payment amount in the past but they offered no help. In XXXX of XXXX I asked if the company could contact the lender ( currently NCT but not the original lender ). They said they sent a letter to NCT but I have never been given proof of that request nor have they indicated whether a response was provided as there is no follow up. I wanted to send my own request as I presume the lender would prefer that a customer is paying but AES has not provided the appropriate contact information and suggest they should be the primary point of contact despite the fact that AES has not responded to my multiple requests. Since my credit is poor ( due to these high payments ) I am unable to refinance and am stuck dealing with this terrible company ( AES ). 

3 ) NCT was not my original lender and I am unsure if the balance or the loan is truly their as no documentation was provided and recent lawsuits suggest many loans during the time I received one, were mishandled. I have requested chain of custody documents from AES for the NCT loans but AES says they do not have to provide them and it is not their duty. When I request NCTs contact information, AES does not provide the information. I should have the proper information to know if my loans were handled correctly and are the correct amounts from the lender. AES has not helped in this matter at all. 

All in all this company is truly terrible and they make no attempt at helping the customer. I have not had these issues with other student loan services as they are more willing to assist their customers. AES should be investigated for their practices.
Complaint sub-issue: Debt was result of identity theft

I contacted Grow Credit as a result of an entry on my credit report that I have no knowledge of. I have disputed the account in the past and they continue to hold me accountable for it. I finally made contact with someone via chat on XX/XX/2022 who acknowledged that it appears I was the victim of identity theft. She then told me that I needed to file an identity theft claim and they would remove the account from my credit file. I did that instantly and provided the number. Then she said I needed to complete an affidavit and they would have to research further. This company is giving me the run around over {$6.00}! The account shows that the available credit was {$180.00} but the due amount is {$6.00} that has been reporting for over a year negatively on my credit. This is insane. They are making me jump through hoops and each time I do what they ask, they make a new set of rules to prolong the process.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I made a call to Equifax in regards to my credit report being locked due to suspected fraudulent requests. After speaking with an agent, we were able to resolve the issue over the phone, or so I thought. Today, XX/XX/XXXX, I attempted to run my credit for an auto loan, and my report was locked again as a suspected fraudulent request. After speaking with an agent today, it appears that Equifax failed to follow up on my last dispute or correct the wrong information. In fact, their agent changed my name to something completely incorrect on XX/XX/XXXX. 

My legal first name is XXXX, XXXX XXXX and last XXXX. Equifax 's agent appears to have changed this to ; first " XXXX XXXX, middle " XXXX '', and last " XXXX '' When requesting that this issue be resolved, Equifax simply stated that this change was requested by me on the XX/XX/XXXX. They refused to follow up on my dispute and refused to provide me with additional information, that would support I requested this change.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Carter Young Inc, a XXXX, Georgia based debt collector continues to report an invalid account. Based on a quick web search it appears this is a standard practice for this company. 

The vendor has acknowledge the debt is not owed. Further, they are suggesting they have not had a relationship with this collection agency for several months - at least one year. 

The Credit Bureau 's continue to take the side of this collection agency by wrongly reporting the information. Even after the vendor, and I have both sent supporting documentation proving the debt has been paid. 

Carter Young 's actions are fraudulent, and they should be punished to the fullest extent of the law.
Complaint sub-issue: Account status incorrect

The Loss Mitigation dept at US Bank incorrectly put my account under a payment plan and is not resolving my dispute in a timely manner. 
In all honesty this should never have happened at all because I was never truly delinquent!! I have been jerked around for almost 2 months, more specifically in the last 5 business days by : XXXX XXXX # XXXX who has refused to take my calls even thought she is my assigned relationship manager. 
XXXX # XXXX who was just jerking me around telling me XXXX and XXXX werent there when in fact they were, gave conflicting information, was rude and unprofessional. 
XXXX # XXXX who said he was working on a resolution however has not called me back when promised as of 2 days later. 
XXXX ( no ID number known ) who kept me on hold for over an hour full well knowing he was not going to be transferring me to someone to assist. I have a witness, XXXX XXXX, Client Relationship Consultant at the branch I was in trying to get this resolved. 
I have been more than patient and I am no longer waiting, nor should I have to. This is US Banks error, not mine, and I should not be forced to wait any longer. In fact there should be nothing to research bc it never should have gone this far! I have never been late, never gave authorization or consent to a payment plan and are pretty sure this is a banking violation.
Complaint sub-issue: Received bad information about your loan

I am pursuing Public Service Loan Forgiveness. There are errors with the count of qualifying payments. 
I have been making payments on my loans since XXXX of XXXX. My payments have been made automatically using

Direct Debit.

I requested one month of forbearance, XX/XX/XXXX. 
I estimate that I should have 99 qualifying payments through XXXX of XXXX I have 12 loan sequences ( LS ). 
LS

1 has 86 qualifying payments. LS 2 has 97 qualifying payments. LS 3-5 have 98 qualifying paymen
ts.

LS 6-8 have 99 qualifying payments.

LS 9-12 have 91 qualifying payments.
Complaint sub-issue: Was not notified of investigation status or results

XXXX  Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Personal information incorrect

THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES LISTED.
Complaint sub-issue: Their investigation did not fix an error on your report

ORIGINAL COMPLAINT XXXX I REQUESTED YOU STOP ADDING REMARKS AND REMOVE ANY UNNECESSARY REMARKS AND YOU HAVE READDED THE SAME REMARKS TO MY XXXX CARD!!!!!!!!!!!!!!!! XXXX ARE YOU DOING STOP CREATING MORE ISSUES! I AM APPLYING FOR A LOAN SOON AND I NEED MY CREDIT REPORT CLEAN! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX
Complaint sub-issue: Contacted your employer

creditor did not have permission to contact my employer directly. I never gave them my email address or work phone info in a totally different state. 
I do not owe the original creditor ; yet they are still doing this repeatedly because of the actions of their own employee- who picked up the keys and fob of the apartment and had a party ( neighbors witnessed ). They then charged me with an additional month 's rent and cleaning fees. When I refused and provided proof I was accused of lying and that they should have never rented to " people like me, in the first place. ''
Complaint sub-issue: Problem with customer service

My student loan was transferred from XXXX to Nelnet on XX/XX/XXXX. On XX/XX/XXXX Nelnet sent an email that my payment would be due the following day. In the NSLDS I am clearly listed as being in forbearance during that time. My loan was scheduled to come due in XXXX XXXX XXXX. On XX/XX/XXXX, I created an online Nelnet account. On that same day, I called and spoke with a representative about which repayment plan would be best suited to my situation. At the time, I was a XXXX XXXX XXXX XXXX and the representative suggested that I continue forbearance. The NSLDS, again, clearly lists the loan as being in as being in forbearance. However, On XX/XX/XXXX, two days later, I was placed back into repayment. Recently, upon reviewing my credit report, I noted that Nelnet has reported me as 90,120, and 180 days  late on XXXX, XXXX, and XXXX of XXXX. It is clearly stated on the NSLDS that I am in forbearance from XX/XX/XXXX to XX/XX/XXXX. I have requested that Nelnet validate the reporting of these late payments. I have filed a dispute by telephone with Nelnet. I have emailed the CEO of Nelnet. Each time the response was " Based on your request and the information you provided, we carefully reviewed your loan ( s ) and the  corresponding data furnished to the credit reporting agencies. Under the Fair Credit Reporting Act, we have an obligation to ensure information we provide to credit reporting agencies is accurate and objective. Our research indicates the data we submitted accurately reflected your loan status at the time it was reported. '' The " late payments '' that are being reported to the credit bureaus are inaccurate and erroneous and I demand that they are removed immediately under provisions of the Fair Credit Reporting Act.
Complaint sub-issue: Public record

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX County Special - XXXX County Special - XXXX
Complaint sub-issue: Information belongs to someone else

After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are impacting my score and I want them to get removed as soon as possible.
Complaint sub-issue: Personal information incorrect

I have had some issue with my credit file reflecting inaccurate information. I am XXXX XXXX I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Please delete these from my file they are not accurate. My name is spelled XXXX XXXX XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX   XXXX The following numbers are not accurate : ( 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

XXXX XXXX loan from 2011 was reported as last payment received on XX/XX/2011 for XXXX and XXXX. Equifax is saying its XX/XX/2011 and will not be removed until after XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XXXX. This XXXX account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.
Complaint sub-issue: Information belongs to someone else

I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : XXXX, XXXX and equifax. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the equifax data breach. 

All account information and dates are on attached document.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/XXXX I began making Income Based Repayments on my Federal Student Loans through XXXX. Each month since then I have made on time payments and renewed my payment plan eligibility. During this time I was regularly assured by XXXX customer service that the payments I was making were counting towards the Public Service Loan Forgiveness program.
In XX/XX/XXXX my loans were transferred from XXXX XXXX to FedLoan Servicing and at this time I was also required to consolidate my loans. I continued to make on time payments through the Income Based Repayment plan and continue to do so presently. Having never missed a payment, all told, I should qualify for PSLF in XX/XX/XXXX. 

However, I recently began certifying my employment with the NGOs I have continuously worked for since XX/XX/XXXX and was told by FedLoan Servicing that none of my payments before XX/XX/XXXX count towards the calculation of my XXXX Payments for PSLF. 

I do not feel this determination is correct given my understanding of the payments I was making with XXXX dating back to XX/XX/XXXX and I want to know what rights I have to enforce the inclusion of those payments in the total calculation of my payments towards PSLF.