Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This is a continuation of my Complaint Nr XXXX, submitted XX/XX/2018. 

On XX/XX/2018 I received an Equifax reminder to look at dispute Confirmation Number : XXXX. I was presented a list of security questions ( see attached screen shot SectyEquifaxXXXX ), which I commented thereon. As I noted that a bogus previous address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( which is the address used by the Identity Thief who fraudulently opened an account in my name w/XXXX XXXX, XXXX XXXX last year ). I have never lived in XXXX, nor used any XXXX mailing address. I telephonically contacted the Equifax Fraud unit, who initiated a correction dispute ( XXXX ). 

I also attempted to access Equifax dispute Confirmation Number : XXXX, but was unable to due to being presented with fraudulent security questions ( See screen shot XXXX ) also commented thereon. Although I answered all questions accurately, I was denied access to the report. 

It seems that Equifax has somehow intermixed fraudulent information with my real credit information without my confirmation.
Complaint sub-issue: Attempted to collect wrong amount

This account was closed and assigned to collections as per XXXX XXXX contact on XX/XX/XXXX NOT on XX/XX/XXXX of XXXX as I C Systems has reported. This debt was " Re-Aged '' as is an illegal practice and known to be used by collections agencies to try and collect possible old debts debts. 

The information on account number of XXXX and the date of XX/XX/XXXX was provided directly by a customer service representative today XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of 2022, I sent a dispute to XXXX, Equifax and XXXX credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.
Complaint sub-issue: Old information reappears or never goes away

Hi, my name is XXXX XXXX and Equifax is reporting a XXXX delinquent account on my credit report and this is not mine. I have filed out 2 FTC reports and have asked Equifax to validate this debt as I believe my identity as to be compromised as I was exposed on the dark web breach of XXXX  and they have yet to respond back to me. They claim to have removed it however, nothing changes to where it gets put right back on with no investigation results being sent to me or explanation on to what this debt is or where it came from. Please see all the following documentation attached.
Complaint sub-issue: Didn't receive notice of right to dispute

I have a a unverified account from PLAZA SERVICES #  XXXX . I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the followin  g : 1. ) The original Application or contract or produce my signature on the original contract.
2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) A  n itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Account status incorrect

CLOSED ACCOUNTS SHOWING OPEN! EQUIFAX IS NOT DOING THEIR JOBS OVER THERE! THERE ARE TWO ACCOUNTS CURRENTLY SHOWING OPEN ON MY CREDIT FILE, THAT ARE IN FACT CLOSED!!! I SPOKE TO THE CREDITOR, THEY HAVE CONFIRMED IN WRITING THAT THEY REPORTED MY ACCOUNTS TO EQUIFAX AS CLOSED! BUT EQUIFAX HAS NOT PUT IT IN CLOSED STATUS GOOD STANDING. THE FEDERAL GOVERNMENT NEEDS TO AUDIT EQUIFAX FOR NOT FOLLOW THE FCRA!
Complaint sub-issue: Their investigation did not fix an error on your report

Today XX/XX/XXXX, I called XXXX to remove my information front credit report but was told that they did not remove the information because Equidax is suppose do that. I then called Equidfax and they told me that it was the responsibility of XXXX to report it wrong. A little got was a run around from both. My student loan was discharged in XXXX. I have had other issues with Equifax not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.
Complaint sub-issue: Trouble with how payments are being handled

I submitted my forgiveness application for PSLF to XXXX on XX/XX/XXXX. I received a denial on XX/XX/XXXX. 
XXXX had previously certified that I had 108 qualifying payments certified through XX/XX/XXXX. On my loan detail before I submitted my forgiveness application, my anticipated eligibility date was XX/XX/XXXX. 
Along with my forgiveness application, I submitted PSLF employer certification through XX/XX/XXXX, which would have brought my total number of qualifying payments to 121 total. 
I received a denial of PSLF forgiveness on XX/XX/XXXX. Although XXXX determined that my employment was qualifying and my payment plan was qualifying, they gave me credit for only 8 additional qualifying payments. My loan detail now shows 116 qualifying payments through the period of XX/XX/XXXX. 
XXXX offered no explanation of why my 4 or 5 other payments made between XX/XX/XXXX and XX/XX/XXXX failed to qualify. 
I was employed throughout the period by the same employer, working full time, and enrolled in autopay for my loan payments. 
I have now spoken to two XXXX supervisors who told me they can identify no basis for me being denied credit for all 13 payments I made between XX/XX/XXXX and XX/XX/XXXX. They have allegedly requested expedited processing from the PSLF reviewers but have told me there is nothing that can be done until the reviewers act. 
Last year XXXX failed to act on my employer certification to give me credit for the 108 qualifying payments until I filed a CFPB complaint.
Complaint sub-issue: Company closed your account

Citi closed my account with no notice and remove all my points balance.
Complaint sub-issue: Threatened to sue you for very old debt

I received a Notice of default that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) had to pay on a student loan that was identified in the notice on XX/XX/2018. They are demanding I pay in full the entire balance of {$380.00}XXXX XXXX immediately. Per previous complaints filed with the CFPB, AES Resolution Dept, Dept of Education, PHEAA Theft/Fraud Prevention Services, FTC, ED FOIA Manager, USA.gov, The Office of Compliance and Enforcement ( LSC ) and the Ombudsman, I am ignored, asked questions regarding my past Medical/XXXX issues, impending retirement possibilities by either Customer services, Supervisors and Upper Management. PHEAA had informed me, after I had filed another claim with the Credit Reporting agencies, that my Student Loan was in process of being transferred back to XXXX XXXX, now XXXX. And, XXXX would make the decision ( s ) regarding what to do with this student loan and all of the problems associated with it. That XXXX will be contacting me. In the meantime, I was instructed to wait until I hear from XXXX. Instead, I received a Default Notice from PHEAA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed multiple disputes to have these inquiries removed they were place on my report as a result of identity theft I have provided identity theft reports I want the 9 hard Inquiries removed from my credit file immediately
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi has declined my dispute regarding an item I did not receive. I previously had a complaint through the CFPB, but they still rejected it and my case was closed. The Complaint ID was : XXXX. Attached is additional proof.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX from XXXX XXXX keeps calling me at work after I told her numerous times to stop, including an email. She tells my employer that I need to pay my payday loan off. This is embarrassing and causing problems at work.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020 I have sent letters to verified this derogatory this on my credit report and it is hindering my credit. The amount of Argentalre {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$630.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$650.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I already have this issue with my credit report especially Equifax for more than a decade ago regarding my sister 's identity ( ie. name, SSN ) and my identity are all mixed up and also the fact that is my twin sister with same date of my birth. First, I asked for help from XXXX  XXXX XXXX back in XX/XX/XXXX to dispute my credit report from my twin sister. After 5-month period of disputing, the legal service sent me a letter that I had to sue Equifax for not responding as next step however first, I had to check the proper procedure before filing small claims. 

I don't have the exact timeline after legal service. I went to see my loan officer around XX/XX/XXXX and told about this dispute case. The officer talked to Equifax on behalf and after the conversation, I was provided by officer the procedure of sending ( via mail & fax ) my proof of identity even my twin sister 's identity. During the timeframe until XX/XX/XXXX, I had been calling Equifax 3 or 4 times to provide my identity via phone and sending them my proof of identity even my twin sister 's identity ( via mail & fax ) over and over again as a result of my identity questions from Equifax support with my responses didn't match to their system. They also promised to send me letter for my dispute claim however I never received letter even to my twin sister 's end didn't receive either. I signed up on Equifax back in XXXX to track my credit score then after, I can not login to my account due to, I assumed, the mixed credit report between my twin sister and me. 

So now I'm here to file a complaint against Equifax after the attempts to follow procedure on how to dispute and Equifax gave me headache for more than decade.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have credit inquires on my Equifax credit file from 7 different banks, which include : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX bank. I don't recognize any of these inquiries.
Complaint sub-issue: Other problem

i have had discover secured card for tow and a half years. The discover credit card has terms that it would be reviewed monthly after the 7 month to see if was eligible to become unsecured and have my security returned to me .The issue I have is that my card remains secured despite an increase in my credit score and on time payments. Customers with similar or worse credit profiles accounts have become unsecured in a much shorter amount of time. I have contacted their customer service on multiple occasions to inquire about this. The reps have told me that I can try to apply for another one of their credit cards or just close the account! I asked for the number to Discover Corporate office  and more than one customer service rep has told me thy do not have it. They did not even offer to have someone higher up contact me or call me back! This is unacceptable!!
Complaint sub-issue: Didn't receive enough information to verify debt

AR Resources has violated my federal consumer protected rights! I have attached documents for further explanation of this situation.
Complaint sub-issue: Personal information incorrect

I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving Equifax and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.
Complaint sub-issue: Debt was result of identity theft

I was a customer of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in 2018. In XXXX of 2018, my account information was changed without my permission. I notified XXXX XXXX XXXX  immediately but they were unable to verify my identity over the phone because someone accessed my account without permission and changed my address, phone number and other info. I had to show identification at a store to get assistance. I requested a passcode be placed on my account to prevent my information from being accessed without my permission, however, that did stop the numerous changes made to my account without my permission. I cancelled my service, paid my final bill and returned all equipment. XXXX XXXX XXXX has sold my account to numerous collection agencies even though I have provided copies of paid in full receipts to them.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I opened a secured card with citi in early 2017. The terms stated it would be for 18months. It was then extended another 12months. Fine. I understand that in the terms my deposit does not generate any interest to me, only to citi. Fine. They have since extended the terms for 4 years and are letting me know that they will be extending it for another 12. I contact customer service and they are useless, I can not even get them to give me the original date I opened the account. They could not even provide me with the address for the executive office, I have to resort to contacting and filing a complaint via the consumer finance and XXXX I  have a Citi account with Bloomingdales as well and I am ready to stop giving them my business. I have never made a late payment but I guess that and my account is not important to Citi.
Complaint sub-issue: Information is missing that should be on the report

On XXXX seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, they just say that the companies are NOT reporting to them over and over. 

Spoke with each and every missing lender and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my XXXX Report
Complaint sub-issue: Account information incorrect

I had XXXX student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Complaint sub-issue: Account terms

As of   XXXX      XXXX  has sent the attached updated information to Equifax. This information was given to Equifax several times by myself and  XXXX  to update my account. And   XXXX   XXXX   XXXX   is still showing as well as unverfied inquiries as originally reported. As of today, Equifax has not done so along with the other complaints I have filed. A lawsuit will be appropriate according to my attorney for Equifax 's negligance on updating and removing wrong inaccurate information from an consumer 's report causing a negative impact on there credit worthiness and score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Complaint sub-issue: Other problem

On XX/XX/22, I inadvertently paid {$1800.00} to The Home Depot via my online banking bill pay system. The payment should have gone to XXXX ( my mortgage company ). I discovered my error within days. Since that time, I have spent upwards of 15 hours on the telephone with various Home Depot payment escalations teams, managers, supervisors and also directly with CitiBank ( who services their credit line ).

Because my Home Depot credit card was 'cancelled ' several years ago due to non-use, everyone is struggling to locate my payment. I involved my bank, Associated Bank, who faxed a letter ( at CitiBanks 's request ) to their payment research team at XXXX. They claim they did not get the fax. 

On XX/XX/22, I was told to obtain proof of payment from my bank. I did this. I provided my ( now closed ) account number, the payee routing number and last 4 digits of their account number. I also provided the credit trace number and file trace number to help them locate my payment. This, too, did not help them. 

On XX/XX/22, I filed a formal payment error claim with my bank. 

This is extremely frustrating to not get any help from Home Depot or CitiBank. It has been close to 7 weeks. If they received payment referencing an account number that has been closed for years, I should have received a check in the mail by now ( many people I have talked to at both Home Depot and CitiBank have said this as well ). Nothing!

My CLOSED account number with Home Depot is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Any help you can provide would be greatly appreciated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I got multiple invitations from Citi diamond card that I am part of a select group to invited to ask for a Credit limit increase with no effect on my credit score. Citi diamond kept bugging me sending multiple letters and emails encouraging me to ask for an increase. I thought well i'll do that just to stop the stream of mail. I log to computer & it auto-fills my password and takes me to Citi Costco Visa Card. I got wrong phone #. So I call tell the Agent that I am calling in about the invitation to ask for a credit card increase without a credit check. He puts me on hold then he comes back and says " okay, let 's start that, so you want to ask for an credit limit increase? '' He should have said I don't see that offer!! He runs a hard credit check and it's rejected so Citi Diamond got me hit this hard credit check because I mixed up Citi phone #, Costco Customer Service agent at Costco not paying attention at all
Complaint sub-issue: Their investigation did not fix an error on your report

Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting disputes with all three credit reporting agencies on numerous occasions beginning XX/XX/XXXX ( The day I first learned of this issue because was denied a job ) then I resubmitted my disputes to the credit bureaus every 4 months all the way through XXXX of XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf through the year of XXXX ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ), Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a XXXX  XXXX  Veteran of the XXXX XXXX, with the XXXX ( XXXX  and XXXX  ) I sustained during XXXX XXXX XXXX ( XXXX  ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of retroactive forbearance on accounts, so I applied for the application of this policy to my missed payments and was told that my lates were ineligible. 

I PAID IN FULL and closed the account last year with the condition, and under verbal agreement that, once the account was paid off, the past disputes I submitted would be addressed and the late payments recorded on my account would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that I provided in order to confirm that the requested adjustments to my payment history are valid and to be removed from my credit report
Complaint sub-issue: Information belongs to someone else

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   XXXX  Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX  XXXX Date : XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXThere are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} AccountXXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}