Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

On XX/XX/2018 I noticed a late fee ( {$38.00} ) and service charges ( {$12.00} ) on my credit card after just making a payment. My payment was due on XX/XX/XXXX I paid the balance which was {$1300.00}. I used the companies online banking to make the payment. I have several accounts with PNC they include mortgage, unsecured loan, two credit cards, and a checking/savings account. I also have an investment portfolio with them. All of which I can access through online banking. XX/XX/XXXX I was in the credit card potion of online banking to make a payment, I had two options Schedule a payment and Pay today. I selected Pay Today, selected pay balance and clicked submit. The bank reported my payment as coming in on XX/XX/XXXX, four days late. I called customer support and asked how this could be. The answer stunned me and sounded nothing short of fraud. They said that there were two reasons it was late. First they claimed I paid after XXXX eastern time and second that they used a third party to make the payment. The third party then sent them a check. I was told if I wanted it to be credited that same day I should have gone to the transfer funds page to make the payment. So the Pay Today button did not make the payment that day as you think it would have being called the pay today buttom. Keep in mind all these accounts are with PNC and for the Pay Today option they use a third party? They claimed that when I used the Pay Today button that it would have told me the date it would arrive and warned me about paying before XXXX. I checked and it does give you that information in very small print way off to one side and in lettering close to the same color as the back ground. I was not sure what time I made the payment but knew I used the Pay Today option on my due date. I asked them what time I paid, they said they had no way to know but it must have been after XXXX because I received the late fee. I was told it was my fault and the fees would not be refunded, I asked for a supervisor and was transferred to a senior credit card associate who denied the refund as well. I asked to be transferred to online banking to see if they could tell me when I made the payment, they could not so I was transferred back to credit card services. After going back in forth with a new consultant, I was informed that she would ask her manager to reverse the fees and I should see the refund on the account in by XX/XX/XXXX. She said she could not guarantee it but felt strongly that it would happen and from that point on in the conversaion she used words like when and would in realition to the refund. After not seeing the refund on the XXXX I called and checked on the status of the refund and was told I did not qaulify for a refund. I was also charged a late fee ( {$270.00} and service fees ( {$9.00} ) in XXXX for the acact same reason, only I had not realized those charges untill they told me about them when I called on XX/XX/XXXX. I feel the Pay Today option is missleading with the intent to charge late fees and it is impossible to reach a real supervisor of any kind.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Information belongs to someone else

Equifax reported a hard inquiry from XXXX XXXX XXXX XXXX occurred on XX/XX/XXXX. I have not had any dealings with XXXX XXXX XXXX XXXX. This is the third time XXXX XXXX XXXX XXXX g=has made a hard inquiry regarding my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax continuing to report many fraudulent inquires on my credit report that I didn't authorize.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax knowingly transferred adverse action inquiries to my Comsumer report without my consent. see XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I consolidated and have been paying my federal student loans to qualify for PSLF since XXXX of XXXX. With the payments I have made until now XX/XX/XXXX, I should qualify for loan forgiveness. I have been calling FedLoan servicing for many years to keep track of my payments and have requested inquiries regarding nonqualifying payments they have on record. I placed an official request for review XX/XX/XXXX while speaking with XXXX ID XXXX. I called again XX/XX/XXXX and received the same list of nonqualifying payments from XXXX XXXX. They said it was still under review. I requested my payment history to be sent to me, but they said they can not release it to me as it is under review. I am concerned that I will lose any hope of getting these records when FedLoan stops servicing student loans XX/XX/XXXX. 
Below is a list of payments they say are nonqualifying. 

Non qualifying payment XX/XX/XXXX to XX/XX/XXXX - 3 non qualifying payments because they say they dont have record of payment from Direct loans XXXX, XXXX to XX/XX/XXXX - 5 non qualifying payments because of a deferment/forbearance. I have no idea why I was placed on forebearance? 
XXXX, XXXX - 1 non qualifying payment for forbearance XXXX, XX/XX/XXXX I resigned my fellowship because of workplace harassment and was not employed full time for 2 months, but I continued to pay my IBR payment. 
XXXX, XXXX I was put on deferment when I switched from XXXX to Fedloans for qualify for PSLF. 
XX/XX/XXXX I had two week break between graduating fellowship and starting my new job. Payment was charged on XX/XX/XXXX and FedLoan said it didnt qualify.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted these companies about the credit inquiries on my report ask them to send me something with my signature or proof I have them permission to run my credit. They still have not sent any information to me. Also I disputed with all three credit bureaus and inquires are still on my report XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have previously filed a XXXX  complaint against XXXX and Equifax because of unfair practices. They have repeatedly decreased my score by 50 or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result XXXX decreased my credit score by XXXX points. Equifax takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.
Complaint sub-issue: Debt is not mine

I just received letter stating that FMA Alliance, LTD is collecting a debt on behalf of the XXXX. I have no idea what this debt is, and under my rights under the FDCPA, I request that FMA Alliance, LTD validate this debt.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from the Debt Relief Center stating it was an important second notice to help alleviate my credit card balance of {$29000.00} for a pay off amount of {$14000.00}. The letter is very deceiving in that it makes it look like I have {$29000.00} in credit card debt. There is no way this company would know how much debt I truly owe, I have strict credit monitors in place through the one credit card company I use and my current balance to them is less  than {$250.00}. I have no other open credit cards and have not been notified by my credit card company that any new inquiries have been done on my credit report. I can supply a copy of this letter to you and fear that someone not educated about their credit like I am will be taken advantage of
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.The have an F with the XXXX XXXX XXXX for that exact reason. Overview of XXXX   Ratings VW Credit , Inc. Reasons for Rating F VW Credit , Inc. Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed against business VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents
Complaint sub-issue: Debt is not yours

XXXX XXXX deleted the inaccurate inaccurate information. This account is not mine. I have disputed this account for a few years now. Very recently, have assigned it to a collection agency.
Complaint sub-issue: Other problem

Citi Bank has been calling me every single day for the last 8 months, and they need to stop. They are never going to see another dime from me, so they may as well give up. The money they're claiming I owe them is from disputes I had filed that they completely mishandled. Due to COVID-19 and the stores ' policies at the time, I could not help the fact that stores were not accepting returns for clothing, food, and anything sanitary-related ... I also could not help that restaurants I went to sucked and they could not get their orders straight, or that they gave me food that was horrible quality, etc. 

With many disputes I had filed, I showed supporting documentation of my claim, and they STILL denied my disputes, just because the merchants responded showing bill of sale! Zero of my disputes argued that I did not authorize the purchases. They all were filed under different categories. So basically, the merchants would respond to my dispute unaccordingly, completely dodging my reasons for disputing, and Citi would automatically find in favor of said merchant!! 

I'm glad they closed my account, because I was going to close it anyway as I refuse to do business with XXXX  ... The purpose of this complaint is for Citi to stop calling me. If they want me to pay off my so-called debt, then they can either transfer it to a collection agency or not. Either way, there is absolutely no reason to be calling me every XXXX day, every day for 8 months. And either way, they're not getting my money. I will dispute the debt to the credit bureaus if need be ... 

Also, a response from the company will not be necessary. Although I'm sure they'll be brazen enough to respond, and their response will not be read.
Complaint sub-issue: Information belongs to someone else

The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRas. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information is not mine

XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX
Complaint sub-issue: Information belongs to someone else

My urse was stolen several years ago, and someone started opening accounts in my name. I went to the police and did everything they told me to do to correct everything. I've been back and forth with these ppl for a few years trying to get these things off my reports. However, they are still reporting 2 items and a few inquiries that aren't mine. Please do something to help me get them off.
Complaint sub-issue: Reporting company used your report improperly

I applied for credit with XXXX. I was told that because I applied for credit with the year that they have to option to denied credit and every company has their own set of rules to deny credit. They denied because of applying for credit, they do not advertise or inform customers of this practice and after youve applied for credit you are denied and suffer harm to credit score.
Complaint sub-issue: Problem with personal statement of dispute

I submitted a complaint in reference to Acima kept reporting my account as 30 days late. For over 4 months, after I was told they would not report my late payments because I had loss my job because of XXXX a natural disaster. They responded that I declined a deferred arrangements with them on XXXX XXXX which is not true. I am requesting a copy of that phone call where I said I did not want to keep my credit straight by doing this. If I would have done this then I would not be in the situation I would not keep filing complaints against them. I had a 24month lease which I paid off within 7 months. They also said that it is only on XXXX well it do not matter weather they do one Credit Bureau or ALL 3 it is still harmful to my XXXX account. Late payments does matter and it show a person is not paying their bills. I didn't pay the bill, my fault that we had a natural disaster and I loss my job and had to file for unemployment and once I received it I paid the account off. I WANT THE PHONE CALL, SINCE THEY RESPONDED THAT THEY LISTEN TO THE CALL.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX  Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX I received an email offer from CitiBank with an American Airlines AAdvantage miles bonus when for opening a MilesAhead savings account. The mileage bonus was based on the amount deposited in the account. The offer specifically stated that the funds needed to remain in the account for 60 days. On XX/XX/XXXX, I opened the account and immediately deposited {$50000.00} which related to a XXXX AAdvantage mile bonus. On XX/XX/XXXX, I contacted CitiBank at XXXX XXXX ) XXXX to verify with the representative that I met the terms and conditions because I needed to withdrawal most of the money sometime in XXXX. The representative ensured me that I did meet the requirements and that I would receive the bonus even if I withdrew the money that day. I am sure of this because I asked several times. I then withdrew most of the XXXX on XX/XX/XXXX. I then made several calls during XXXX and XXXX to inquire on the status of the bonus miles. On each call, the representative reiterated that the miles would be credited in XXXX. On XX/XX/XXXX, I called the above number and the representative stated that the miles would be in my AAdvantage account by XXXX on XX/XX/XXXX. I called again on XX/XX/XXXX to open a dispute because I did not receive the miles. The dispute was denied because I did not retain the funds for 90 days. On XX/XX/XXXX, I called to inquire about the dispute and XXXX stated that I did meet the requirements but there are many different offers and they were in error. She also stated that she would send me an email which I never received. I phoned again on XX/XX/XXXX and the representative told me that they did not start counting the 60 days until 30 days after I deposited the money and I did not qualify for the bonus. If this were the case, why didnt the representative tell me this on XX/XX/XXXX? I would have retain the funds for another four days. I had no reason to believe that the funds needed to be there for 90 days when the agreement stated 60 days. I am not able to get CitiBank to address this issue beyond the first level support.
Complaint sub-issue: Attempted to collect wrong amount

this is the 10 or 11th times attempting to fix this problem with Equifax. Theyre double reporting a fraudulent collection to my credit file for the 3rd time. Each time I dispute it they open a brand new identical collection account to my file with a new date of the date I filed the dispute. They reufse to fix this and have destroyed my credit. I am attaching the screen shot from today 's alert letting me know its on my file again. Ive also faxed them a police report which I have also faxed to CFPB and they keep telling me they dont have it.
Complaint sub-issue: Information belongs to someone else

Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my report.
Complaint sub-issue: Debt is not yours

I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days days of XXXX, 2022, which is the date they received it [ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me.

3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.
Complaint sub-issue: Their investigation did not fix an error on your report

CONN APPLIANCES INC., an account that was closed and charged off in 2015, has persisted with reporting charge offs every month. I have disputed this with the bureaus twice this year informing them how it is a violation of the FCRA and is inaccurate reporting. The creditor nor the bureau has removed the account in question as a result of their failure to follow the FCRA. This account has a total of 53 charge offs ( 4 years ) and has harmed my credit score tremendously. This is illegal and unethical.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), 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