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

U S DEPT OF ED/XXXX {$5500.00} Closed 22 potentially negative months DEPT OF ED/XXXX  {$0.00} Closed XXXX late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type - Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status At least 120 days or more than four payments past due Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - - XXXX XXXX 120 120 120 XXXX 90 120 120 120 120 120 120 XXXX - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CONSUMER DISPUTES - REINVESTIGATION IN XXXX XXXX statements - Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX US DEPARTMENT OF EDU {$5500.00} Closed 44 potentially negative months DEPTEDXXXX {$0.00} Closed 9 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status 120 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 120 120 - - - - - - - - - - XXXX 90 120 120 120 120 120 120 XXXX - - - - - On Time XXXX20+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statements - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX US DEPT ED {$5500.00} Closed Unknown payment history
Complaint sub-issue: Account status incorrect

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/2021, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Balance : {$500.00} ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}
Complaint sub-issue: Received bad information about your loan

My federal student loans have only more recently been serviced by Nelnet but it has been nothing but problems since the start. When my loan was with the previous service I was given a 1 % discount for paying 24months on time - this discount was completely lost and never and applied when Nelnet began servicing the loan. I finally got a customer service agent at Nelnet to agree and see the problem and she said that someone would be calling but no one ever called. There should also be a discount in the loan percentage for doing it paperless. 

Further, I have an income based repayment ( IBR ) payment plan and was told that I have to change the loans to Direct consolidation from XXXX in order to be considered for loan forgiveness - this makes no sense and no one is able to give me any answers and we are running out of time as the deadline is looming at the end of XXXX. Further, I don't really want to consolidate my loans at the higher percentage rate because Nelnet screwed up. 

Further, IBR should be only paid for 20 years, and I think I am at just about at that but no one had any history or information or history of payments to give me any information when I would be done with payments and the loan would be forgiven. I am really just looking for answers as Nelnet has been nothing but sneaky and fraudulent and this is the 2nd complaint I have had to file. In fact I am pretty sure they owe me money as a penalty for falsely reporting my loans as late a year ago to all the credit bureaus and they never did.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Complaint sub-issue: Overdrafts and overdraft fees

A cancellation of an XXXX credit card payment {$1900.00} didn't go through and they can not stop it and will do multiple attempts ( that is what their representative said ). 
When I noticed the next day ( Tuesday XX/XX/XXXX ) that fund will be low on the Citi Bank account, I setup a bank transfer from XXXX to Citi Bank. 
XXXX did two trial deposits ( {$0.00} and {$0.00} ) and later subsequent debits on the Citi bank account on XX/XX/XXXX, to establish connection so I can transfer funds. 
On the same day ( XX/XX/XXXX ) XXXX deducted {$1900.00} for credit card payment. 
Also on the XX/XX/XXXX since I now can transfer fund from XXXX to Citi, I initiated transfer of {$1900.00} from XXXX to Citi. 
On XX/XX/XXXX the funds from XXXX got to Citi bank checking but the XXXX charge was returned and an overdraft fee was applied. I contacted Citi bank right away and they waived the {$34.00} overdraft fee. 

This morning XX/XX/XXXX I noticed an overdraft of {$68.00} on the Citi bank account. I reached out to Citi customer service and they said that was for the two trial debits while the account was overdrawn. I tried to explain that I dont ' have control when banks debit amounts and that I tried to fix it by transferring funds to the Citi account. 

Today XX/XX/XXXX Is see that XXXX now charged {$1900.00} again and because of the {$68.00} overdraft fee I am overdrawn again. The representative this morning said I may get another overdraft charge the next business day.
Complaint sub-issue: Threatened to take legal action

I get calls from different people stating to call the plantiff. They have called my ex mother in law XXXX times stating they are looking for me to take me to jail. the latest they called my home and said they were going to my job between XXXX and XXXX yesterday. Stating I could call the attorney at XXXX to stop it. They have also called my elderly sick parent stating the same. They are calling for XXXX XXXX ( My former married name )
Complaint sub-issue: Account opened as a result of fraud

I applied to open an account for the Citibank located on XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I explained to teller that I froze my information due to identity theft issues and that I did not want to apply for an account without first making sure I was able to do so. I received a confirmation that my account was opened on XX/XX/2021. I contacted the personal banker XXXX XXXX twice every 48hrs and he explained twice that the application was still in review, even though I have received two email notifications about account XXXX being active in my business name. I decided to go to Citibank, N.A XXXX XXXX in-person, and they explained to me that the whole time this account was closed. According to the Fair Credit Bureau Act a creditor must notify the applicant of adverse action within 30 days after receiving a complete credit application. I still have not received any information about this account. They have now stated that they have no information whatsoever about my business account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to Equifax as an " Open Account '' under my name.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been battling XXXX XXXX XXXX XXXX XXXX and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
Complaint sub-issue: Can't temporarily delay making payments

I contacted XXXX XXXX and was told that my payments qualified for deferment/forbearance. i returned all required documentation, however I continue to receive bills in the mail. I qualify for the above deferment/forbearance due to loss of income, unemployment and receiving government assistance.
Complaint sub-issue: Investigation took more than 30 days

I have been trying for months to remove a 10-year-old account from XXXX XXXX. This was for a department store credit card that was closed over 10 years ago and paid in full. I went out of the country and when I returned, XXXX XXXX was showing an amount for {$100.00}, with fees totaling {$260.00}. 

XXXX XXXX is incorrectly reporting the account and I can not reach anyone. I have spent entire days on the phone to no avail. They never conduct any investigation and XXXX and XXXX refuse to remove it. 

When I speak to someone at XXXX XXXX XXXX XXXX, they forward me to XXXX  XXXX XXXX XXXX. When I reach someone and XXXX XXXX XXXX XXXX, they forward me to Citibank NA, who they say underwrote the closed credit card account. 

Between the 3 entities, none take responsibility for timely investigating this matter and they all refuse to remove it, along with XXXX  and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Problem with balance transfer

1. XXXX XX/XX/2020 : Requested a Balance Transfer from CiTi Credit Card # XXXX to my XXXX Checking Account # XXXX for {$1500.00}, a total of {$1500.00} with a {$45.00} fee. 
2. XXXX XXXX - XXXX XX/XX/2020 : Multiple inquiries with both XXXX and CiTi trying to locate the monies. 
3. XXXX XX/XX/2020 : Received letter from CiTi detailing the transaction. Please note that the Tracer # is not accurate. ACH numbers are 15 digits. Provided XXXX with the same information. 
4. XXXX XX/XX/2020 : Received letter from XXXX detailing the results of their investigation : Monies were not deposited. 
5. Date Unknown : Received what appears to be a copy of microfiche from CiTi detailing the transaction. Again, please note that the Tracer number is a null field ( XX/XX/XXXX). Numerous calls to CiTi attempting to get a valid ACH # have been unsuccessful. This document was also provided to XXXX. 
6. XXXX XX/XX/2020 : Attempted a three-way call ( myself, XXXX, CiTi ) ; CiTi advised that their rules did not permit it.
Complaint sub-issue: Information belongs to someone else

Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire report.
Complaint sub-issue: Problem getting my free annual report

At the XXXX week of XX/XX/XXXX, after some research, I had to open a police investigation as somebody opened a bank account under my name and, according to the procedure, I need to get my credit report from the XXXX credit bureaus so I can check for unusual activity and try to minimize the impact. 
On XX/XX/XXXX I contacted Equifax to get a copy of my credit report ( as I did with the other XXXX bureaus, XXXX and XXXX ), I did get a previous copy last year around the same date so, I was expecting not to be able to get it immediately online, as I do n't have a SSN but an ITIN instead, they told me they were unable to get me the report because I had to provide some documents they were missing and then transferred my call to a department called XXXX.. I sent a copy of my ITIN, copy of my Passport and a Social Security Administration Denial Letter ... they said they had to verify who I was ... I sent immediately these documents via XXXX and a week later via certified mail as they were unable to read them. On the XX/XX/XXXX I decided to check on the documents delivered by XXXX ... They told me they received the documents, that they were going to send me the report via regular mail in XXXX business days and even gave me a confirmation ID # XXXX, I never got the report. 
The next day, XX/XX/XXXX I received a letter on the mail ( with ID # XXXX ) saying that they received the request of my credit file but the provided information did not match their records ... they did want to verify my identity and current address ... I did contact the XXXX and provided my confirmation ID ... I ended talking to a supervisor who did talk to a " XXXX Department '' and came back saying that the report has been sent and to ignore the letter ... but I have nothing. 
Today XX/XX/XXXX I got an e-mail with another confirmation # XXXX and I did call, the lady I spoke to told me she was not able to open my file, because some documents were missing, I responded that I already sent them, she told me to contact the XXXX and ask why they did not update my file ... the response was the same or even worse ... the response of the rep was " we need a ssn '' ... Basically THEY ARE DENYING MY CREDIT HISTORY BECAUSE I CAN NOT PROVIDE A SSN but I know I can not get my Credit Score BUT my Credit History. 
I tried to report the people on their customer service but, the same people they have in these call centers are the ones who respond ... for example I reported this incident to them with ID XXXX and the response was : " Please contact our customer service department '' which is the same people who are unable to help. Its now a month since I started this request, I still have nothing ... I need to know why Equifax asked me to send very private information such as a copy of my Passport and ITIN if they are not able to provide me with the report??
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX  and XXXX  have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX my lease account with XXXX XXXX in XXXX XXXX was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on Equifax still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from Equifax, with this account on the same status. A call with XXXX XXXX was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my XXXX, Equifax, and XXXX  report under the account named XXXX they have incorrect account numbers as well this should not be reporting XXXX this account was reported from XXXX it is XXXX. 

XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX
Complaint sub-issue: Deposits and withdrawals

I opened my account with XXXX XXXX on XX/XX/22. I was planning to use this account as an online checking account and for bill pay. I had a direct deposit to my account on XX/XX/22 and was rewarded with a {$50.00} credit for my first direct deposit. 

Later, I was credited a {$5.00} bonus for using my debit card for the first time on XX/XX/22. 

I attempted to pay my credit card bill today at XXXX  XXXX XXXX on XX/XX/22, but my bank does not allow me to pay using the Majority XXXX. Since this was the primary reason I decided to open this account, I decided to close my account with Majority.

After informing Majority of my intent to close my account, Majority debited both the {$50.00} direct deposit credit as well as the {$5.00} bonus from my account. They refused to return the funds, even after I told them I would not have closed the account had I known they would remove my {$55.00}. I emailed them twice letting them know this was unacceptable but they told me there was nothing they can do and I should continue to close the account. 

This experience has left a sour taste in my mouth. I just want my {$55.00} back and to be done using the Majority app since it's clear they don't value treating their customers well.
Complaint sub-issue: Account information incorrect

RE : Medical Collection Dispute Confirmation # : XXXX Dated XX/XX/XXXX Dear Sir/ Madam, I refer to the above Equifax credit Report # : XXXX Dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX  ) Insurance Coverage fromXX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
Complaint sub-issue: Problem accessing account

my online banking account service for citibank access blocked since 5 days ago i tried to call them more than 12h they did not give answer they did not respect customer rights any way they keeping me one phone call more than 60 minute every time then go without answering or even apologize i go branch XXXX in California myself giving them my ID to solve the problem but nothing my name is XXXX
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with Equifax of XX/XX/2020 and received an email the same day stating my confirmation number as well as notification that I would receive results in 30 days. Today is XX/XX/XXXX and I still have not received results from Equifax. I have logged into their website and it still shows my dispute as being active. A representative has admittedly stated there is nothing they can do to assist me even though they have failed to communicate and update the accounts. An investigation was completed nearly a month ago and Equifax does not have any records or proof that they have EVEN attempted to contact me concerning my dispute. This is completely unacceptable and they are in violation of the FTC guidelines to notify their consumers within 5 days of receiving results. I expect these derogatory marks to be removed from my credit report immediately. The attached file is a screenshot from today XX/XX/XXXX taken at XXXX after I logged onto Equifax website
Complaint sub-issue: Information belongs to someone else

I have not go a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments
Complaint sub-issue: Reporting company used your report improperly

The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Complaint sub-issue: Account information incorrect

I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On Equifax the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. Equifax is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.
Complaint sub-issue: Debt was paid

Debt is paid and is still being reported as derogatory to my credit report. I would like the account removed CRDT SYSTMS or something like that name CREDIT SYSTEMS.