Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I was browsing the XXXX website to see what the price of pre-sell tickets were to a concert I was planning on going to. The tickets didn't actually hit the market until XX/XX/XXXX. In order to get to the final page with fees and total, you have to input all your billing and shipping information. I saw that the price was 4 times the amount of face value ( XXXX for 3 {$120.00} a piece tickets ) and decided that I would take my chances getting logged in on the XXXX on XXXX to get them. As I was exiting the XXXX site, my screen changed to " Thank you for the Purchase '' and I did not ok the charge. I immediately called XXXX to tell them that I did not authorize that charge and to cancel the order. They continue to tell me that they do not cancel orders and that I was stuck with them. They said that my only option was to resell them on their site ( although the very next day XXXX posted that they are not allowed to sell these tickets due to it being a Charity event ). Without thinking that I had an option to dispute I had them put it up for resell. All this happened within 15 mins after the ticket was charged to my account. The dispute app on my phone said I had to wait until the charge was off pending before I can file a disput so I waited until it did which was XXXX XXXX. They initially refunded me while the investigated it. On XX/XX/XXXX they reversed the credit saying based on the information the reversed the credit and to show proof of cancelation which I only had a phone call to try and cancel and a respond email fro XXXX saying sorry about issue with order. I appealed the claim with Citi and the reopened the dispute on XXXX. They responded with they still will not help in my favor. At this point, I was promised by XXXX to recieve the tickets by XX/XX/XXXX. I did not receive the tickets and they were available to be transferred for over a Month by that time. So now tried to reopen the dispute for the reason of I didn't recieve the merchandise that was promised ( and I didn't purchase anyways. ) Citi reopened my dispute for 2 more weeks the replied that Since I tried opening a dispute with a cancelled charge first that was a conflict of statement with I didn't receive the ticket. Although they are different reasons and I acepted they were not going o take care of me for an unathorized purchase, I feel that Citi should be responible for taking care of their customer for not receiving good by the promised date of XX/XX/XXXX which I have proved proof of. I feel that I am getting the run around by to major corporations and that I have been a victim of fraud by Citi and XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX Pl XXXX XXXX, never at any other address on my credit report. I have attached a copy of my XXXX, XXXX for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Complaint sub-issue: Didn't receive enough information to verify debt

Tried to log in on my XXXX account, did not remember current password, then blocked from account, told there was a collection notice submitted by equifax, by unidentified complaintant. Tried to contact equifax but told had to call a number. I hate talking over the phone when the issue is unclear and personal mumble so bad I can not understand them. That is why I ask for a written copy, verified with full disclosure.If they have a complaint, I demand a certified, verified and notarized copy of complaint signed under penalty of perjury by preparer. Never received a written complaint by mail from any source.Equifax and XXXX both violating my rights. I DEMAND FULL DISCLOSURE.
Complaint sub-issue: Information belongs to someone else

I am an additional XXXX on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.
Complaint sub-issue: Received bad information about your loan

I requested a refund for payments made during covid deferment. Fedloan Servicing processed the request and said I would get a payment in 6 weeks. I have yet to get a payment and can't get a hold of them for an update.
Complaint sub-issue: Didn't receive terms that were advertised

I opened PNC bank virtual wallet account based on account opening bonus offer sent to me at my home address. I meet all terms and condition listed in offer document but did not received bonus amount. 
I contacted PNC twice to resolve issue. PNC responded to my complaint on XX/XX/2022 stating that my bonus is declined as it was for existing customer, but it is not stated in offer sent to me ( offer letter attached ). I want my bonus {$400.00} account opening bonus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HELLO HOW ARE YOU, I AM FORGIVENESS FOR MY Desperate ANNOYMENT, BUT ALREADY CALLED ALL THESE COMPANIES TO REPORT THAT THE CONSULTATIONS IN MY CREDIT REPORT ARE INQUIRES FRAUDULENT, THE COMPANIES ASKED ME TO CALL THE CREDIT AGENCIES AND NOTIFY THIS PERIOD TO INFORM YOU THAT YOU CAN REMOVE THESE CONSULTATIONS FROM MY CREDIT REPORT AS THEY ARE FRAUDULENT CONSULTATIONS, IT IS NOT THE FIRST TIME I WRITTEN BY THIS MEDIA ALREADY HAVE BEEN TOO MANY CONSULTATIONS IN THE PAST, AND HELPED ME TO REMOVE THESE CONSULTATIONS PLEASE HELP ME ELIMINATE THE INQUIRES AND UPDATE MY CREDIT INFORMATION
Complaint sub-issue: Investigation took more than 30 days

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX  ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

On Thursday XX/XX/2020 I mailed a letter to Equifax Information Services LLC to remove the errors on my XXXX XXXX XXXX XXXX  account. 

I informed Equifax that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Equifax that my account is not past due and there are no missed payment on this account. 

I further requested that Equifax correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Equifax has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws.
Complaint sub-issue: Was not notified of investigation status or results

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX, XXXX XXXX XXXX, us bank and XXXX XXXX XXXX  as of XXXX XXXX reports charge offs and don't have my mailing address correct as of 5 months ago.I want these charge offs disputed. Thanks for your help
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$860.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : 810 Reason : Account is fraudulent Account Name : XXXX. XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$650.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  ( XXXX ) Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have been battling with Progressive Management Systems, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XXXX XXXX over a bill of {$2300.00} assigned to them by XXXX XXXX XXXX Hospital. 

My insurance company, XXXX, paid this bill at 100 % and then we started getting bills from PMS ( aka Progressive Management Systems ) for this balance for an Xray that was over {$7800.00}. I had a XXXX XXXX XXXX - how is this even possible. 

I have asked them to sent me proof and documentation that this is my account and they keep sending me their Printouts from PMS. 
XXXX/XXXX/XXXX - I sent them a letter requesting proof that this is my account and received nothing. 

XXXX/XXXX/XXXX - I called and recorded the call. I was told this is my spouses debt - not mine. 

XXXX I sent them another request in XXXX and they sent me their printout and a list of medical services supposed performed by the hospital ( Why is a collection agency seeing my medical history? ) My attorney wrote them a letter a month ago with no response. 

My wife was in XXXX XXXX last month and picked up ALL the copies of my medical records, there is no HIPPA documentation in there. 

Overbilling, trying to collect from someone else and now my medical history. 

I want this removed from my credit reports immediately! 

Sincerely, XXXX XXXX
Complaint sub-issue: Account information incorrect

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by credit grantor, XXXX saying its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Complaint sub-issue: Debt is not yours

I do not have a signed contract not any contract with Enhanced Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this dent with Enhanced Recovery.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I applied for a loan consolidation with XXXX XXXX in XX/XX/XXXX because they already held a bulk of my graduate student loans. During the process of the loan consolidation, I indicated that I was unemployed and submitted an app for an Income based repayment on XX/XX/18 ; along with the app, I uploaded my spouse paystub to my online account with XXXX as directed by a representative. I received a text message from fedloan stating In order for my Income repayment plan to be considered I needed to upload supporting documents so I called in twice, once in XX/XX/XXXX and again in XX/XX/XXXX regarding this uploaded paystub ; I notified the reps each time that I had already submitted the paystub and each time it was confirmed they could see the paystub.On XX/XX/XXXX, I received notification the consolidation was completed with no mention of the income repayment plan. On XX/XX/XXXX, I received another text from XXXX stating my payment is coming due on XX/XX/XXXX, etc. so I logged into my account to see why I had a payment due when I had applied for a repayment based on my unemployment. When I logged in I see a notice stating I needed to provide a paystub for my repayment plan so again, I call into customer service and the rep tells me it was denied because they didn't know how often my spouse was paid. Once I told him where to find this information on the stub he advised me he would resend the app for review ; I was never notified or contacted about this missing information until I reached out to them to check on the status. As of today,, XX/XX/2018 my account is now showing in a 5 day delinquent status. I sent an email ON XX/XX/18 inquiring about the status of my repayment plan and the reply back On XX/XX/18 stated it's still pending as of XX/XX/XXXX and not the original date I submitted it months ago. I have not been able to get this escalated and resolved with XXXX ; I am only getting the runaround about my account that I have diligently attempted to resolve prior to going into a delinquent status.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2021, three days after my direct deposit, charges appeared on my debit card statement from XXXX at the following times and amounts : XXXX for {XXXX, XXXX for {XXXX, and XXXX for {XXXX} totaling {XXXX 
Direct Express refuses to return the monies alleging that the purchases were authorized. The XXXX company supports me stating that I did not make the purchases and that they returned the monies to the bank to correct the error. I contacted the bank with this information, showed the bank " People/Robots '' that these purchases were not made by me on this account and included the information of the return by XXXX for the items. Regardless of the hard evidence that was timely submitted, twice, that shows the cardholder ( Me ) did not make purchases, the Direct Express " People/Robots '' insisted that the purchases were authorized and refuses to return the funds that were returned by XXXX to me. 
Okay, why won't Direct Express return/release my money? 
SINCE THE FUNDS WERE RETURNED BY XXXX TO MY ACCOUNT, WHY DO I NOT HAVE THE MONEY?
Complaint sub-issue: Their investigation did not fix an error on your report

There are two issues that I am having disputing incorrect information on my credit report with Equifax : XXXX XXXX XXXX : 1. A copy of the paid and full letter was sent to Equifax along with the request to remove the inaccurate information from my report. They responded that they verified it was accurate which is not correct. The company sent me the letter directly saying it was paid in full two times now and Equifax refuses to delete the information from my report. They are still reporting a {$40.00} balance which is not accurate. 

XXXX XXXX 2. A copy of the settled in full agreement was sent to Equifax yet they are still reporting a {$440.00} balance which is not accurate. The balance should be XXXX  and the item should be removed from credit reporting. I have again attached the confirmation directly from XXXX  XXXX stating the account is now settled in full. 

Both of these accounts have been successfully removed from XXXX and XXXX after pay off however Equifax has not been compliant in removing the in accurate information. I have attached again here the confirmation of settled in full accounts and the refusal of Equifax to delete the information although it is not accurate.
Complaint sub-issue: Information belongs to someone else

I SUBMITTED MY COMPLIANT AND THEN I RECEIVED THESE LETTERS STATING THAT SOMEONE ELSE SENT THE INFORMATION. I SUBMITTED THE INFORMATION FOR MYSELF.
Complaint sub-issue: Debt was paid

It was reported by I.Q. Data International that I owed a debt of over {$2800.00} for the property XXXX XXXX in XXXX, FL. I contacted I.Q. Data International on XX/XX/XXXX and explained that my statement of deposit from XXXX XXXX indicated that I owed {$1300.00}. I provided a copy of the statement by email to management, XXXX XXXX, on that date. I subsequently made 2 payments equal to {$1300.00}. I was told that this would close my account and they would mail me a receipt and do a " Pay to delete '' of this account from my credit report. After 3 weeks of no correspondence with I.Q. Data International, I called to inquire why there were no changes to my account. I was told that the original owner of the debt, XXXX XXXX, would need to concur that this debt was paid and they had no communication from them. I was also told that they could take as long as they wanted. I then reached out to XXXX XXXX on XX/XX/XXXX, where I was told that my debt was to the previous property management team, XXXX XXXX. The property has been under new management since XXXX of XXXX and there is no record of my debt with the new property management. I have contacted XXXX Properties and have been unable to reach anyone other than a answering machine. I have emailed twice to email XXXX with no response. I would like my account to be resolved as promised and removed from my record.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2021, I sent Equifax a detailed letter via XXXX Certified Mail with tracking requesting my credit report. They have not responded despite proof of receipt and sufficient time to process the request. I have attempted to call them multiple times and they will not transfer me to a live representative ; only loop through several prompts and then disconnect the call. 

I have submitted a complaint with Equifax on XX/XX/2021 and their response indicated that someone else 's information is on my credit report and therefore will not respond. 

I am a documented victim of XXXX XXXX  and Equifax 's refusal to send me my credit report and their response is further proof that my credit report is in jeopardy of additional XXXX XXXX and XXXX. 

Proof of my XXXX has been attached, including XXXX XXXX, XXXX XXXX XXXX, and a recent XXXX.