Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX  reference account number XXXX as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


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


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX 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 antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Complaint sub-issue: Information belongs to someone else

When requesting my credit score from XXXX, I made it through the XXXX and XXXX reports fine using my PII, but when I answered the system-generated questions from Equifax, I was provided with a different person 's credit report. This includes the other person 's name, address ( current and previous ), credit history, last 4 of  social security number. I am unable to access my actual Equifax report on XXXX since the site appears to consider my once-every-12-month request fulfilled, though I still do not have *my* report from Equifax. 

I am concerned that the Equifax credit request site allows unintentional distribution of someone else 's information, and that there are no systematic checks in place to ensure this does not happen. I submitted a complaint through XXXX, but in order to submit a dispute/indicate that I am concerned about fraud/incorrect reporting, I am required by Equifax to enter a significant amount of personal information. Considering Equifax 's recent history with data breaches - and apparent ongoing inability to restrict access to an individual 's data - I will not be entering any information in that web portal. See attachment for a screenshot of the Equifax page to submit a dispute, requiring Date of Birth, full Social Security Number, Name, current address, and email address.
Complaint sub-issue: Public record information inaccurate

Nexis Lexis is in violation of the Fair Credit Reporting Act ( FCRA ). I contacted Lexis Nexis to obtain a copy of my credit report. I tried obtaining this report on line, however, unlike the corporations who the company serves, deliberately, willfully and negligently is preventing me from obtaining a copy of the report. This is the second attempt of my trying to obtain this report. As a result I lost the opportunity of getting a job that would have paid me over 100,000 dollars per year. I have already sustained severe financial damages as a result of not being able to obtain this report. Nexis Lexis has a double standard, one for the consumer and one for it's clients, in which Nexis Lexis bars the consumer from being able to obtain a copy of the report by deliberately putting in road blocks. Today we tried to get the copy of the report, having waited weeks to hear from Nexus Lexis. We were given a website and the pin number for the second time. This time what happened was the pin number once again does not work. When you call the number, the provide, a computer voice comes on and says that there is no one available to speak with and refers back to a revolving door to nowhere website.
Complaint sub-issue: Can't close your account

Credit card was closed by bank w/o warrant so I reciprocated but every time I call or live chat I just got the run around now I have XXXX  out balance and am received monthly maintenance fee
Complaint sub-issue: Information belongs to someone else

I have reached out to XXXX who has responded, however XXXX, Equifax and XXXX still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Complaint sub-issue: Debt is not yours

I'm filing this complaint against Preferred Lease for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX
Complaint sub-issue: Public record

Hello yes I contact the credit breau Equifax regarding account bankruptcy chapter XXXX that was fraud and they told me to send in documents stating it was fraud and I sent them document from the courts stating the account will be deleted and they told me if I mail them in the document showing it will be deleted they will update my file showing the bankruptcy will be removed I contact them and they still did n't remove the account off my credit file
Complaint sub-issue: Information belongs to someone else

There are 2 fraudulent collection accounts on my credit. LJ ROSS AND XXXX. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
Complaint sub-issue: Debt was paid

My spouse and I had a joint Citi Priority account with Citibank , N.A . We closed the account because it no longer met our needs. We withdraw funds from the account to do so, but accidentally withdraw {$0.00} too much ( XXXX cents ). When we realised this, we transferred {$5.00} to cover the {$0.00}, and closed the account. 

Citibank, however, kept the account open because it had a balance associated with it, and then began applying both monthly service fees and overdraft fees on these monthly service fees. Three months after we closed the account, we have begun receiving repeated collection notices for an increasing overdue amount that grows each month, even though the account has now been closed by Citibank. The amount that Citibank now says is owing is {$120.00}. They have been sending mail requiring payment every few days. When we tried to call them, the representative went through Citibank 's rationale for all of their charges, put us on hold, and then the line went dead. 

This seems unreasonable, at a minimum. We would like Citibank to stop sending these notices and to admit its mistake in not closing the account when requested to do so. We are happy for them to keep the {$4.00} or so that we overpaid.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX  and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. XXXX XXXX didn't provide information within the 30 days as per FCRA which is a direct violation.
Complaint sub-issue: Talked to a third party about my debt

I C SYSTEMS COLLECTIONS # XXXXI believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL-XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will respond by certified Mail.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have on several occasions I have tried to dispute inaccurate information on my credit with Equifax all to be told every day they are experiencing technical issues with their dispute process. None of the other credit bureaus would have allowed these issues. 
I have mailed documents certified mail and they have told me they have not received the information. At this point, I feel as though they are doing this on purpose.
Complaint sub-issue: Don't agree with fees charged

I applied for and was granted a {$7500.00} student loan by American Education Services ( AES ) in XXXX, to be paid by XXXX ( nw XXXX ), for pre-law studies at XXXX Universityy in XXXX. I never received payment, but my loan went on the AES books as an Account Receivable. I took only one class at XXXX, and paid for it out-of-pocket. Fast-forward to XXXX : I am being hounded by a collections law firm in suburban XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, IL ), as they bought the paper on a claim that AES was awarded a default judgment several years ago for this " debt '' on a payment never received on a loan never used. AES can not produce a copy of the cancelled check with my signature, XXXX has no record of a deposit of that size, and as they not do this kind of loan, they have no XXXX records of the check, either. Saturday, I received notice of a hearing in XXXX to issue a wage deduction summons for {$21000.00}, for the " loan '' plus interest and court costs. This is absolutely outrageous, to put it mildly.
Complaint sub-issue: Problem with statement of dispute

I requested in ( XXXX 2016 and XXXX 2016 ) to Equifax to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They never provided me with the information requested yet claim that the information was verified.
Complaint sub-issue: Reporting company used your report improperly

Fraudulently inquiries made without Consent and Authorization. 
XXXX Bank XX/XX/2022 DEPT OF XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Received bad information about my loan

I have a {$2000.00} student loan currently in repayment from Discover Student Loans. The loan application lists XXXX/XXXX/XXXX - XXXX/XXXX/XXXX as the period of enrollment but otherwise includes XXXX personal information detailing that this was a loan taken out on my behalf. The loan application also has co-signer denied but I am sure that I did not apply for nor receive disbursement of the loan. The loan application also features no information about an interest rate or origination fee. There is also a discrepancy between the principal balance on the loan application and the statements that are available online. The loan amount says {$2000.00} but the principal amount on the most recent statement says {$3000.00}. To date, I have made {$1000.00} in payments on the loan. However, I have never received a promissory note or any other communication from Discover Student Loans regarding this loan, except for multiple phone calls harassing me to make payments in a time where I was financially unable to do so. According to Discover, information that they 've received from the XXXX XXXX XXXX says that I graduated on XXXX/XXXX/XXXX but they would not confirm the institution from which it says I graduated. This is also inaccurate, as I did not receive my XXXX degree until XXXX/XXXX/XXXX. Furthermore, the customer service agent told me my loan entered into repayment on XXXX/XXXX/XXXX even though I received no communication about a change in status of the loan. I am currently experiencing the same issue, as my loan has entered into repayment only 2 months after my completion of my XXXX degree. Additionally, when speaking to customer service I was provided misinformation by two separate agents regarding my payment due date and my payment amount. I was also told that my payments were past due when they are not. Discover Student Loans has been a terrible servicer of a loan that I am unsure that was ever applied for or received and the customer service that I have received thus far regarding this issue has been abysmal.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Incident Date : XXXX XXXX, 2016 Incident : A payment of {$1200.00} on an XXXX XXXX credit card account processed twice. 

Attempts at Reconciliation : I contacted XXXX at the time of the over-payment, at which point they tried to give me credit in the amount instead. As I explained to them, credit is not cash and I would eventually have to pay it back to them with interest, therefore it would in no way constitute a reimbursement. 

They agreed to send me a check, but when I received it, it was for less than {$200.00}. When I called back to ask about the discrepancy, they acknowledged the mistake but told me they could not send a check for the full amount as I had to have at least the amount in available credit to do so. 

I had several conversations with Customer Service since then and was told several different things. I lost my credit card and when I called to replace it today I asked if I could finally be reimbursed. This time I was told - alternately - 1 ) that I needed a BALANCE of at {$1200.00}, not available credit. ( This would require me to spend {$120000.00} to get  a check for it, which seemed completely nonsensical to me. ) and 2 ) when I pointed out the logic flaw, that " it was too long ago. '' Since it took this long due to mistakes on the credit card company 's part, I do not believe I should lose {$1200.00}. Additionally, according to Regulation Z of TILA,  in a case of consumer overpayment, the involved creditor must " Make a good-faith effort to refund the amount of the credit to a deposit account of the consumer if the credit remains for more than six months. '' No such effort was made - in fact, I feel I have been more obstructed by Elan than helped. 

I was ultimately told that I would receive a letter within 10 days detailing their " decision, '' which I did not find promising given my experiences over the past year, so I opted to move ahead with a complaint.
Complaint sub-issue: Information belongs to someone else

Ive filled a complaint with this company before. The account doesnt belong to me. They previously presented a payment history that Im unaware of. They also have reported inaccurate information with has ruined my credit profile. Ive attached the reporting documents. The account open dates are all different and they have continued to leave this unknown account ; OPEN on my credit profile.Ive contacted the company and theyre unable to provide documentation to prove my identity.PLEASE REMOVE THIS ACCOUNT!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

macys would not change my payment date or work with me at all in any kind of way while I was homeless now that my account is current and paid in full they will not remove the derogatory remarks from my credit report when I called XX/XX/2020 they stated that it isnt possible because they made no error and they can not remove remarks due to personal issues there are 2 negative remarks on my credit report that affect my XXXX  and I from getting a mortgage or any type of home or housing
Complaint sub-issue: Was not notified of investigation status or results

I sent correspondence to each bureau on XX/XX/21 disputing inaccurate items and as of today over 50 days later I have not received a response notifying me of the investigation. I feel like I'm on a hamster wheel disputing this inaccurate information. In researching how these inaccurate items appeared on my report I discover my information was impacted by the Equifax data breach. Now more than ever I feel my information has got into the wrong hands. I also researched it is illegal by US law inaccurate items be deleted. Your assistance is greatly appreciated
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

To Whom this may concern, I am writing to file a compliant against PNC Bank. In XX/XX/XXXX we applied to a Debt Management Program and since then have been trying to get our PNC Bank credit card on this program. We have reached out and discussed this with PNC Bank several times, but have been given the run around. They have admitted to our Debt Management Program that they have received our proposals and information several times, but that they are not responding or processing our requests. This is affecting our accounts in a negative manner. We have since gone past due on the accounts and it is negatively affecting our credit score. We have been making payments through our Debt Management Program, but this is not satisfactory for PNC Bank. However they will not give us a direct answer as to why they are not working with our Debt Management Program. Currently they have written us a letter of Default for this account with a payment including fees and charges that would otherwise not be on the account if they had responded to us back in XX/XX/XXXX. The total due now for that account is {$640.00}. They are requiring {$310.00} to be paid by XXXX XXXX. This account is currently closed due to our request. We are asking that the proposal be applied onto our accounts immediately and backdated. Also that our past due balances be removed and that any negatives be removed from our credit report. We greatly appreciate your help in this process.
Complaint sub-issue: Deposits and withdrawals

Citibank In XX/XX/2020, I received a wire into my Citibank account ( {$24000.00} ). Bank froze account with no explanation and froze funds was to send a letter explaining reasons. Letter never came and I requested letter 4 times. Wire was good and I am not able to get wired funds. Bank has been very uncooperative and resistant in resolving this issue. 

another {$20000.00} was deposited with same result.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is allowing fraudulent inquiries to stay on my credit report. I have informed them about this several times and I sent them my FTC claim through BOTH mail and fax SEVERAL times. Last time I spoke to them they said that they see my letter which was sent with my FTC claim, but not my FTC claim. This can only mean that they are misplacing my private documents which is UNACCEPTABLE. First, I did not give them authorization to have ANY of my alleged personal information in the first place, but they are also misplacing my documents that I have to send them because they are reporting FRAUDULENT things on my credit this is ridiculous. Please rectify this situation immediately.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment is {$390.00} as on the sale contract too. but on my Equifax report the monthey payment is {$390.00}. Also the terms on the letter & on the contract are 60 months but on my Equifax report 62 months. The address on the sale contract incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an alert that a credit inquiry was done on my credit through equifax mortgage services and I have not done any business with equifax or applied for any mortgages through equifax. I am not sure why they are assessing my credit but i did not give them permission to inquire of my credit for any reason and especially not for a mortgage. I havve never owned a home and have not applied for one through equifax. I didn't even know that equifax offered mortages. I have fraud alerts on my credit file with all 3 bureaus and it appears that equifax may be committing the fraud. their system is now even asking me questions about me having a mortgage when i try to verify to release the freeze on my credit file but i have never had a mortgage. It have issues verifying when equifax riggs up my credit file to keep me from utilizing it when i need to release the freeze from my file.
Complaint sub-issue: Account status incorrect

Been trying to haveXX/XX/XXXX fix with little or no response.XX/XX/XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of XXXX and XX/XX/XXXXdays on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No XX/XX/XXXXday warning given. 

The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. 

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XX/XX/XXXXt states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Complaint sub-issue: Information belongs to someone else

There are XXXX student loans reporting On Equifax and XXXX fraudulently and I need them taken off