Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have reached out to LexisNexis on three separate occasions in an effort to get my consumer report from them. They are reporting incorrect bankruptcy information that does not belong to me. They confirm this information to XXXX and XXXX however on the report I received on XX/XX/XXXX there isn't any bankruptcies showing on my XXXX consumer report that said, subsequent attempts to get my consumer report from Lexisnexis has been denied. 

THey asked fr a copy of my Driver License and Social Security card which I have submitted they confirm that they have received and attached to my file however they still deny my request. at this Point THis should be assumed to be collusion between XXXX and Lexisnexis to keep incorrect, illegal and misleading information on my credit report. My family and I have suffered irrecoverable harm because of the actions of LexisNexis and XXXX. It is my wish that they deliver to me a true and correct copy of my Lexisnexis consumer report. That they remove the unverifiable information that they are reporting on me. 

The XXXX XXXX of Texas Bankruptcy court explicitly states that they do not verify Bankruptcy information with any source or requester Both LexisNexis and XXXX need to stop the collusion to keep incorrect information on my Credit reports. the following information is in question with both Lexisnexis and experian and should immediately be removed from both sources. However I have a report Dated XX/XX/XXXX That this information isn't being reported by Lexisnexis. According to XXXX and the fact I can't get Subsequent reports it seems to be. Immediate removal is demanded Public Record DATE Reference # Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FCRA violations : XXXX A XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Complaint sub-issue: Didn't receive enough information to verify debt

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this  account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Complaint sub-issue: Deposits and withdrawals

This bank has been a problem from day one for me and ultimately I am intending to go somewhere else, but I am into this at this point and I need to get some things straightened out. I wanted to move an ira I have to this bank. They took multiple calls and about a month and a half just to get me the forms so I could fund this ira, admitting mistakes in that procedure. I got that sent in and by a week I got an email that they were going to close the account if it wasnt funded. I then tried to call and find out if they got the forms and what was going on. I have tried multiple, multiple times and either the time waits are too long or they transfer me and I get cut off or it has a long wait with myself not knowing how long that will be. At some point I have to move on. I also finally sent an email to ask for a call. They are not doing much in that area or are calling when I am not available. In fact I had to do one of these calls to the fedreserve complaint sytem and that is when they called so I missed that. WTH. Are they surveilling me so they can call when I cant answer? Also recently their system has started making it hard for me to access my account online. Now today I even get a message they need a phone number to text codes to me. I have no number for texting. They are causing me more and more problems. I want them put out of business as they obviously can not run any banking business properly. And like another bank I complained about with their ineptitude and problems they caused me I expect this bank to attack me.
Complaint sub-issue: Was not notified of investigation status or results

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Complaint sub-issue: Public record information inaccurate

There is a public records on my credit report with XXXX   stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX  and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX   continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX  along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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
Complaint sub-issue: Account terms

Equifax did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA
Complaint sub-issue: Problem with customer service

Good evening, I was transferred to " Fed Loan Servicing '' in XXXX of XXXX. Previous I was with " XXXX XXXX ''. I have reached out 3 times over 18 months, the latest time on XX/XX/XXXX, regarding an error in the number of " qualified payments '' I have made towards my PSLF loans, with no response other than " we'll be in touch ''. My PSLF number of payments are incorrect. As of XX/XX/XXXX, " Fed Loan '' shows i have made 38 qualifying payments. However, as of that date, my records show I have made 55 qualifying payments. I have been on an IDR since XX/XX/XXXX and have been a government employee since XX/XX/XXXX. I have submitted two ECFs in this time frame. I am thinking the problem arose when i was transferred to " Fed Loan '' as my servicer. I have my records from " XXXX XXXX '' which I also sent to " My Fed Loan ''. Please help. Thank you.
Complaint sub-issue: Report improperly shared by CRC

Contact equifax regarding my credit the ask me XXXX question and XXXX of them was what credit card I and how much you owe on it that something a individual remember off the top of they head. Please investigate the Equifax on all products and services and ensure they are working to United States Federal Regulations
Complaint sub-issue: Trouble with how payments are being handled

I had a student loan with a FirstMark Services and sent a check on XX/XX/XXXX to payoff my loan. FirstMark applied my payment on XX/XX/XXXX ending in a large credit balance of {$1600.00}. My payoff cheque sent was over the amount I owed. 
I called Firstmark for the second time since the payoff and was told that I will not receive the funds for another 3 weeks. The first time I called I was told I would have the funds by XX/XX/XXXX The refund amount {$1600.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Last year after the whole Equifax data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

PMAB is harassing me by re-aging an old debt to collect on.
Complaint sub-issue: Problem with fees

I have two outstanding issues with UBS. 

1. I have a credit card that normally carries a {$490.00} annual fee. The fee was waived for me because I moved all my assets to UBS, however I was just charged this fee again.

2. I was charged a {$270.00} annual fee for my XXXX XXXX accounts. I was told that this fee is waived if have {$1000.00} in direct deposits in any of my linked accounts, which I do.
Complaint sub-issue: Debt is not mine

This. company M.G. Credit appears on my credit report for {$1100.00}. This debt does not belong to me - I have been XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Complaint sub-issue: Information belongs to someone else

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them.
Complaint sub-issue: Account status

I had a loan financed through XXXX XX/XX/2015 but the car had a number of issues and I tried to return the car but the dealership did n't want to give me my money back. I tried to take it back prior to 30 days but to no avail. I refused to make the payment and knew that they would pick it up then and they did pick it up around XX/XX/XXXX ( 10 days after payment due ) at about XXXX some XXXX man beat incessantly on my door and demanded the keys and for me to remove anything that I had out of the car. I immediately cancelled the insurance and the registration with the DMV and XXXX XXXX XXXX. I expected to see a rep on my credit report and I would have been able to get another car but the finance company keeps reporting that there is an open loan and that it is current making it impossible for me to get a car loan. I have tried since XX/XX/2015 ( date I first learned of open loan ) and every month since. XXXX XXXX has been contacted several times and keep giving me the run around and the last time i contacted them was on XX/XX/XXXX and was told that the loan never funded and to contact the dealership. I am getting the runaround from both XXXX and XXXX XXXX XXXX in XXXX, Georgia. Lastly, Equifax is equally as complicit as XXXX and XXXX XXXX XXXX as they have perpetuated a lie by claiming that they verified with the source and that it is correct. The address of the creditor is n't even correct so I know they have n't contacted anyone. I also know that they profit from negative information so it is in their best interest to continue to promote this deceit.
Complaint sub-issue: Information belongs to someone else

Upon receiving a print out of my credit report I found that Sears/CBNA was reporting an active account as current with a balance of {$6600.00}. I reach out to the fraud department at Sears. I told the Sears representative that I never applied for credit and that the account should be closed and removed from my credit report asap!!!!. I was told that the account would be sent to the department that handles those matters and that if in fact it was a fraudulent account they would close the account and remove it from my credit report also I would receive a letter with in 10 days stating the outcome. four months past and nothing was done so I printed another report on XX/XX/18 and the account still shows as active with the same balance. I reach out to Sears fraud department again on XX/XX/18 and after spending all day on the phone they couldn't produce any evidence like sing application, or photo Id. Sear could not proof or give me any answer as to how they open and account without verifying my identity or information. They told me that the only thing they could do is remove my name from the account and that would be all they could do for me. I requested for the account to be erased and removed on its entirely from my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or about XX/XX/21, I attempted to purchase a pair of lamps from XXXX using a Citibank credit card. I never received the lamps, the website disappeared, and its social media disappeared. I then attempted to dispute the charge of {$29.00} with Citibank. Citibank initially issued a credit and claims to have contacted the merchant. Today, I received a letter from Citibank denying the dispute and refusing to issue the credit. Citibank also enclosed what it purports to be the merchant 's response. Interestingly, that sheet lists the " Business Description '' of the merchant simply as a friendly " XXXX. '' Sure seems legit. 

This is absurd.
Complaint sub-issue: Confusing or misleading advertising about the credit card

In XX/XX/XXXX the Revolving Credit on my Citi Card-XXXX was {$19000.00}. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 14 for a balance transfer with 0,00 % Promotional Rate until XX/XX/XXXX. I made a transfer of {$10000.00} and paid {$300.00} transfer fee ( see XX/XX/XXXX statement ). 
I accurately made the required minimum payment every month. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 15 for a balance transfer with 0,99 % Promotional Rate until XX/XX/XXXX. I transferred {$9800.00} and paid {$290.00} transfer fee ( see XX/XX/XXXX statement ). I accurately make the required minimum payment every month. 
On XX/XX/XXXX I made a payment of {$8100.00} to pay off the remaining balance of the Offer 14. The remaining new balance was {$9900.00} ( see XX/XX/XXXX statement ). 
On XX/XX/XXXX the Citibank moved {$7600.00} from the Promotional Rate 0.00 % into the Standard Purchase Rate 15.49 % ( V ) ( see XX/XX/XXXX statement ). I didnt know about it until XX/XX/XXXX, because I was using Paperless Statement system and all payments were being made electronically as per the schedule. Since then the amount I am being charged every month for the interest varies from {$100.00} to {$110.00}. 
When I asked a Citibank clerk what happened I was told that even though I had made a payment that would be enough to cover the balance of the Offer 14, only the minimum required amount was applied towards the Offer 14 balance. The remainder of the payments was applied towards Offer 15 balance because it has higher APR. The clerk said that this happened because I had two ongoing promotions with different APR. When I asked her what I could have done differently to avoid paying interest charges, she said that the only option I had was to pay off the balance, which at that time was {$18000.00} ( see XX/XX/XXXX statement ). 
I tried to raise this issue with a Citibank Credit Card manager, but she  said that I was explained the conditions of both offers before accepting them! 
I understand that nobody forced me to accept these offers but at the same time I couldnt possibly understand all technical aspects of what would happen when two offers overlap. 
If I was told in XX/XX/XXXX that in order to avoid interest charges, Id have to pay {$18000.00} four month later, I wouldnt accept the Offer 15! 
Given the complexity of payment allocation for two offers when combined, I dont think the information was adequately communicated for me to make an informed decision.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ; 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 604A, Section 2 also states a consumer reporting agency can not furnish an account without my written consent The agencies listed below has violated my rights : XXXXXXXX XXXX Acct No : XXXX XXXX {$4400.00} XXXX XXXX XXXX  Acct No : XXXX XXXX {$0.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$6200.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$3800.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$790.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$2400.00}
Complaint sub-issue: Account status incorrect

I have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX, and the three major credit bureaus XXXX XXXX Equifax, XXXX XXXX  with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2014 with a credit limit unknown, appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Complaint sub-issue: Old information reappears or never goes away

Ive contacted Equifax regarding the account of XXXX credit card account on my credit file, XXXX sent letters to all credit bureaus to remove debt because it was paid in full in 2017. All other credit bureaus have removed it but Equifax. A letter was sent to XXXX CEO also.
Complaint sub-issue: Cashing a check

When I walk into a PNC branch office I am constantly being harassed by PNC employees. The constantly try to collect my private data and sell me services I am not interested in purchasing. I receive several phone calls a month from PNC trying to sell second mortgages. The PNC sales team will say anything to obtain a lead and set up a follow up phone call which results in nothing. PNC uses very aggressive sales practices which is becoming uncomfortable to me as the consumer. They are so aggressive and annoying that I don't want to walk into the bank branch office because I know I will be harassed by their staff. The last time I was called by PNC I asked them to please leave me alone and stop harassing me, but they do not stop. I am requesting that PNC stop their aggressive sales practices, stop invading my privacy and please leave me alone. I can't cash a check without being badgered by aggressive sales people who just don't stop pushing and constantly calling me to sell services I'm not interested in purchasing. This organization is " In Your Face '' aggressive and I am asking PNC to please leave me alone. If I need financial services, or help, I will let them know. I had one PNC employee point out that my drivers license was close to expiring and demand I let them know when the license will be updated. They literally grabbed my license from my hands to inspect. Enough is enough! Please stop harassing me.