Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I have disputed items with this credit bureau more than once about unauthorized inquiries, account that is to old to be on file ( XXXX ), and a utility bill that is being reported. Utility bills are not credit and I live in another state so the mail never got forwarded to me. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say that my dispute is not specific and that they can not verify my address so they will not correspond until I furnish documents to prove my identity. I have supplied these items and proof to get the items deleted on their web site, equifax.com/document upload, and have also faxed the documents as well, all to no avail because they keep saying I have not sent them anything, which is a lie.I have used the same US mailing address for over 20 years and how dare they use this as an excuse as to why my disputes are not handled properly or accordingly. The accounts in question are XXXX and XXXX which are utility accounts that should not be on credit reports since they are not credit accounts. I want to know where they are getting this third party information from. If it is not from me, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Several months ago I FROZE MY ACCOUNT wih Discover by clicking the link that says " Freeze Account ''. However, Discover, apparently has created a new definition for freezing an account as they have continued to allow merchants to charge my account for services that I want to move to my other credit cards. Discover has a bad habit of advertising an image of being customer centric and customer friendly, yet makes moves that work for them. This is called " False Advertising '' and they are guilty of it in many areas of their business. 

They have allowed charges from XXXX XXXX for XXXX and XXXX for XXXX these are not authorized on my Discover Card. 

They show a current balance of XXXX. Please provide Discover Card with the " Adult Supervision '' that they so desparately need and have these two charges canceled and remit a check to me for XXXX. 

I also ask that you educate Discover Card on what " Freeze My Account '' means.
Complaint sub-issue: Information is not mine

Someone is able to open accounts in my name from cell phones, autos and even a mortgage.
Complaint sub-issue: Was not notified of investigation status or results

I disputed inaccurate information on my XXXX credit report recently, XXXX XXXX XXXX filed using my identity & personal information. identity theft. LexisNexis is the furnisher of information for XXXX, whom verified. LexisNexis verified XXXX XXXX XXXX are verified accurate. XXXX  case numbers ( XXXX & XXXX, XXXX ). XXXX  investigation results determined XXXX XXXX  case number XXXX, was not confirmed, do it was deleted. LexisNexis, have provided me with 2 XXXX  removal letters, removing XXXX XXXX XXXX cases ( XXXX & XXXX, XXXX ). This information was also removed from my disclosure report. I notified the furnisher of information LexisNexis, I was a victim of identity theft, and provided the necessary required information to LexisNexis. XXXX XXXX XXXX ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

12 CFR 1022.123 ( b ) ( 1 ) ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address XXXX street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

12 CFR 1022.82 ( d ) ( 2 ) ( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; 12 CFR 1022.130 ( b ) Associated consumer reporting agency means a consumer reporting agency that owns or maintains consumer files housed within systems operated by one or more nationwide consumer reporting agencies.

Appendix A to Furnisher Rule Part 660 implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are inAppendix A to Furnisher Rule Part 660. 

Appendix A Your policies and procedures : should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle.Furnisher Rule 660.4 ( a )
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter XX/XX/2018 to Equifax which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from Equifax but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation. In the investigation all they provided was that a third party XXXX XXXX provided the information in which I submitted documentation that XXXX XXXX was unable to verify the information and has deleted it from their records.
Complaint sub-issue: Contacted you after you asked them to stop

on XX/XX/2020 at XXXX XXXX central time, I received a call to my desk phone. The caller id was XXXX. I picked it up and it was a debt collection company. There was an automated greeting saying they were for XXXX XXXX and they would come to my place of business, and serve me. I clicked the option to pick to a rep. I asked them to please do not call my place of employment because I'm not allowed to have personal calls. 
The rep told " they would not stop calling my place of business until I paid them ''. I told him that was not right and I have the right to tell them to call XXXX XXXX. The rep told me " they will continue to call me everyday until I pay them '', he then said ' and if you do not pay, you will be sued in XXXX XXXX courts ''. I again asked him to remove my work phone and he declined. I let me know my work phone was being recorded and he said ' he didn't care because his phone was being recorded and calls to my job would not stop ' he hung up on me at that time. 

I have a copy of the recorded call. 
The company was IC System - XXXX XXXX XXXX XXXX - website is https : //www.icsystem.comXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXACTUAL DATAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Personal information incorrect

Equifax is reporting the wrong addresses on my credit report.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Calls me from Unknown number, says it from s NPS, claims to have mailed me or emailed me items about my debt, says if I dont call them back they are sending a certified letter of intend to appear in Small claims court in my local county.  Say they will be out within the hour.   I try calling them back and when I ask for more detailed info the say they have me on camera and if I try to ask more questions instead of just handing over more money they tell me they will see me in court and hang up on me.   Their number is  XXXX
Complaint sub-issue: Information is not mine

Since XX/XX/XXXX, I have been requesting from Equifax to provide me with written proof of the incorrect information it provided to XXXX when I applied for a credit card. The only response I have received from Equifax has been completely ambiguous and no proof has been yet submitted. The response I received on XX/XX/XXXX, makes no sense at all. It actually does not addressed my request to provide me with the names and accounts of the credit unions past due and too high. I also want to know how Equifax arrived to the determination that my credit score was XXXX. By law, I am entitled to have this information provided to me. Please see attached correspondence I forwarded to Equifax. I also sought assistance from this organization as well, but the issue was never resolved.
Complaint sub-issue: Problem using a debit or ATM card

In XXXX of XXXX, I requested Citibank stop paying XXXX XXXX XXXX  ( XXXX ) {$44.00} to attend weekly meetings due to Covid. Initially, the undersigned thought XXXX would stop debiting the undersigned 's account since they were not able to have in-person weekly meetings. 

Here it is a year later and XXXX is still taking money out of the undersigned 's checking account. The undersigned has contacted Citibank and XXXX XXXX and they are still taking money out of my account. I put in another claim regarding the matter on XX/XX/XXXX and Citibank still continues to pay XXXX. 

My debit card has been changed 2 times to deal with this matter. XXXX in the XXXX informed the undersigned that although, I changed my debit card twice XXXX has a way to get my new credit card number from Citibank. This is so wrong. Please help. 

I can be reached at XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX  XXXX & they told me I've never missed a payment, yet Equifax refuse to remove me from being listed as 120 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX XXXX : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX
Complaint sub-issue: Lender trying to repossess or disable the vehicle

My wife and I both have a loan with flagship. We could no longer afford the vehicle my wife was financing and in XX/XX/XXXX we requested Flagship to pick it up. They told us it would be 7 to 10 days. They never picked it up i call to asked when it would be and was told that it would be 4 or 5 months. My hoa will not allow us to park vehicles on the street overnight so we were getting letter from them with threats of tow. So I called Flagship to see if the would allow me to sell the car for them, it would make them more money and it would get the car out of the street. They agreed finally after months to settle the account for XXXX in XXXX and the company that purchased the car sent the XXXX payoff to flagship. The problem is they applied the payment to my account instead of my wifes. I called a make my payment in XXXX and I was told that I did not have a payment due?? I asked why and was told by Flagship they did not know why I wasn't due??? I called the next month and at that time I was told that I did not have a payment due until XXXX??? I then very quickly figured the problem was a misposting. I asked them to correct the misposting for month but it went unfix until XX/XX/XXXX. Once I saw it was corrected I called to make the payment and was told all passed due payment are due or repossession. I have now asked to correct the problem they have made and their response is get an attorney and sue us???????????????? They need to correct the problem and allow me to make payments again.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is still reporting incorrectly to Equifax and XXXX. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Received bad information about your loan

When the Public Service Loan Forgiveness ( PSLF ) program was announced, I called my loan servicer Nelnet immediately ( XX/XX/2008 ) to find out more information about this program and to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. 
I was assured by Nelnet staff that my loan type XXXX XXXX XXXX XXXX ( XXXX ) and Graduate repayment plan were eligible for the PSLF plan. They specifically told me I did not have to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program '' they explained. They stressed most importantly that I had to make all my payment on time. 
I told Nelnet specifically that I wanted to be sure I was eligible under the PSLF program as I am employed by the local government. They assured me that working for a local government would qualify for this program and not to worry.

After completing all 120 payments on time and staying employed by the local government for 10 years I submitted my verification form and notified Nelnet that I was ready to submit my final paper work for the PSLF program. The servicer said everything looked great and I should be fine. After inquiring again into this matter to double check that I wasnt missing anything, a person came on the phone and informed me that NONE of my payments qualified for the PSLF program. I found out that I was given incredibly incorrect information by Nelnet the entire time. I requested to speak to a manager or someone with authority and was passed around to a person who  admitted to the error and said they could do nothing to correct this. 
During this entire time in my repayment period, I called several times to continuously ask them to make a note in my account to record and note that I had called and confirm that I was on the right path for the PSLF program, they always assured me they did this. After paying these loans on time for the past 10 years ( as I was told to ) under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest to {$44000.00}. I feel that because I was told this information and guided by an approved servicer that all my payments should be applied to the PSLF program or at least Nelnet should provide a similar resolution for this enormous error. I've committed my life for the last 10 years ( 120 months ) to public service and several life career decisions and opportunities were passed knowing I had to maintain this status to complete this program. This error has jeopardized the financial future for family. Nelnet please do what is right and provide a solution to this matter. 

TX
Complaint sub-issue: Debt is not yours

I purchased merchandise through this company. My contract specifically states that i will not be charged until ALL parts and merchandise have been received. Which they have not. I have explained in detail that ibhave not received everything therefore legally they cant charge me until it is received. Acima credit states the store did deliver everything and they did not. I have attempted multiple times to contact the store to no avail. Therefore im not paying anything.
Complaint sub-issue: Reporting company used your report improperly

XXXX was hacked and failed to notify consumers. I was a consumer that was impacted by this hack. Managers sold stock before notifying customers. Unacceptable. My private information has now been shared with the President 's best XXXX buds.
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom this May Concern I was told that in XX/XX/XXXX, they will be selling my loan. So I feel that 's why they do not wish to settle it : listed below is my most recent correspondence with regards to my student loan the only information I have is : '' '' XXXXXXXXXXXX attn-XXXX '' '' XX/XX/XXXX Please note that since XX/XX/XXXX, I have been trying to resolve this student loan matter. My loan has been sold and resold over and over again and every time I make contact with the new loan company, I am given a new story. I do not understand why I need to explain a hardship to you in order to get a payoff figure. 

Most company 's want to get paid and yet you seem to want to keep my account open on the books. I have not been able to get anyone to given me a written explanation or a payoff amount and yet when I call you will talk to me all day. I hope all of the phone conversations are recorded and kept because if I can not get a payoff figure I am requesting that all of the phone conversations be produced to show that I have been making an attempt to resolve this matter and that you have been holding on to it and costing me more time and money. 

Please note that I am also contacting all of the local and state agencies to investigate this matter. Below I am writing to you once again with the information you requested from me via phone conversation ; " I XXXX XXXX XXXX, XXXX, address is XXXX XXXX XXXX XXXX XXXX CT XXXX, email address is XXXXXXXXXXXX I was also suppose to give you an explanation and " hardship '' for wanting to pay off my student loan. I still do not understand why wanting to settle my student loan requires a hardship explanation. 

As stated in my last email I wanted to settle my student loan account for {$4000.00} in full by credit card. I am still waiting for an answer and I would like it to be in writing. I have been making contact by email and phone and I have not received any responses. The last phone call I made I was told that I needed a reason to settle my student loan over the phone not in writing. I have a couple of years before I retire and I would like to start preparing for my new journey in life without having a student loan hanging over my head from roughly 30 years ago. It 'd obvious that senior adults are not treated with much regards or respect today. I feel like I am being discriminated against because of my age but we will address that after I resolve my student loan matter. 

I look forward to hearing from you to resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXXXXXX
Complaint sub-issue: Frequent or repeated calls

I moved out of XXXX XXXX XXXX  in XXXX, XXXX I gave 2 months notice provided my new address. The end  of my lease was XX/XX/2021. I moved out XX/XX/2021. 

Started getting calls XX/XX/2021 from XXXX XX/XX/2021 XXXX did not answer, missed call XXXX I did not answer call, at work 2 seconds  XXXX XXXX kept saying hello, no one answered hung up after 47 seconds XXXX XXXX women asked for XXXX, said that my number was the number she always contacted her at. told her I had, had the number for 15 years. She asked me if I knew XXXX. I said no and said I did not live in XXXX anymore. 

XXXX 2 min talked to debt collector person, said I owed a {$54.00} utility bill from XXXX XXXX XXXX XXXX I told her I had not recieved a bill ... she told me I had to pay now, I told her she sounded like a scammer. To quit calling me and that I had never received a bill. Told her to XXXX XXXX and hung up. I had drank 1 beer and was tired. 

XXXX I called back got the answering system. IQ Data. 

Received a call XX/XX/2021 at XXXX XXXX from IQ Data a 3rd party collections agency. 

Asked why she was spoofing an XXXX phone number. Asked her where she was actually calling me from .She finally said Washington state. 

Asked when the debt went delinquent, why I had not received a bill. 
XXXX said she did not have to tell me anything. 
Yelled at me that my move out date was XX/XX/2021 so therefore my debt was delinquent. Didn't I give them a forwarding address to send the bill to? I said obviously I had since in both calls she sited my new address ( XXXX XXXX XXXX, XXXX, XXXX XXXX I asked when the due date was. She went back to my move out date. 
Told her I had not received a bill. 
I told her I had email the complex to find out what was going on. She told me they would not help me since I owed them money. 
She would not tell me details. Threated to ruin my credit Told her not to call me again, they could send me the information via USPS. I asked her to quit calling me several times, the last pointing out the law. Finally hung up on her. 

I felt threatened, I have a very good credit score and this is feeling more like a scam. 
XXXX XXXX nor XXXX XXXX XXXX XXXX have not replied to my email request. They normally did not when I lived there. 

I would love to turn them and XXXX XXXX holding into the XXXX XXXX XXXX but both are in different states.