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

I used my Citibank Credit card to purchase XXXX XXXX airline ticket. The ticket was given to me through XXXX but the charge on my credit card shows " XXXX XXXX ''. XXXX XXXX cancelled my ticket and had to provide me a full refund. XXXX at first was not giving me a full refund, so i started a dispute with citibank. XXXX after 2 months finally agreed to refund me the full amount upon which i closed the dispute. But after passing of further 2 months XXXX did not refund me the money. I called XXXX XXXX and they said that XXXX has charged the credit card and they will provide the refund. I was surprised to hear this and got suspicious. I tried to call XXXX but there helpline will not let me connect to any help line and says my Itinerary number is not valid. i can not connect with XXXX, so i called the citi disputes center and told them that XXXX confirmed to me that I will get a refund but has not responded. Citi tried to open the dispute again but told me that they can not re-open this dispute. 
Upon calling XXXX XXXX  they say XXXX can help me get the refund. Both XXXX and XXXX XXXX are not helping and Citi dispute team has not helped. As a consumer i have been played and lost my valuable money and time. The winner here are corporate giants XXXX and XXXX XXXX and I can not do much.
Complaint sub-issue: Attempted to collect wrong amount

We got a call from Macy 's department store on XXXX XXXX, 2016 asking me to contact them immediately. I did and to my surprise they told me that I have a balance of {$150.00} which is two month delinquent. They also told me that they have informed all credit bureaus, which basically ruined my credit score. I have worked so hard to keep my credit clean for 20 years and is ruined now because of {$87.00} worth of purchase that I have never made. 

I used to have an a/c at XXXX 15 years back but never purchase anything from Macys. I told the Macy reps that it is a case of fraud and I did not use or authorize anyone to purchase on my behalf. They referred my cast to their fraud unit and she told me that I need to find a claim and she would send me claim form and I need to know my account number and the amount owe. I told her that I did not have an account and if she can send me the billing statement. She told me that the company policy does not allow that. After pressing she agreed to send me the billing statement through e-mail. During that discussion she told me that they have an old email ID that I do n't use anymore. She told me that the company acquired another company and the e-mail system got all messed up. 
During her discussion she asked to call her back again now with my wife to make sure that she did not make any purchase. I told her that this is my account it has got nothing to do with my wife. But, I wanted to settle this issue as soon as possible. 
We called back the same night and again went through the same procedure. The XXXX fraud unit specialist promised that she would send me claim form, billing statement, put stop request for collection or debt reporting. 
I have been getting 3 calls per day since then from Macy ' Debt collection and they just advanced another month of delinquency and thereby ruining my credit. I have worked so hard to keep my financial record clean and had an average score of XXXX. Now, it is ruined because of Macy 's. Please help.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I went through XXXX to rent a car from XXXX XXXX XXXX  XXXX in XX/XX/2019. XXXX charged my Citibank XXXX in full and in advance ( {$760.00} ) for the rental car. 
However, when I went to the XXXX XXXX XXXX XXXX in XXXX to pick the car up, XXXX told me they didn't have any rental cars available. To be clear : XXXX charged me in full for a rental car from XXXX, but XXXX did not have any rental cars and could not ( and did not ) deliver one to me. 
Because this was obviously a breach of the XXXX agreement, and also potentially fraud, I disputed the charge with Citibank. I have provided extensive evidence to Citibank ( and to XXXX ) that XXXX did not have any rental cars- including emails from XXXX confirming that no rental car was delivered to me, and confirming that XXXX approved a full refund to me on account of the absence of any cars. ( I am attaching just some of the documentary proof of the foregoing ; I have more, including a recorded phone call with XXXX confirming that they had no rental cars. ) Despite this overwhelming evidence that XXXX charged me in full for a service that they did not and could not deliver, Citibank refuses to issue the refund. ( XXXX also won't respond because I disputed the issue with Citibank. ) XXXX has effectively defrauded me out of {$760.00} and Citibank is helping them do it.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Complaint sub-issue: Their investigation did not fix an error on your report

I had not used my XXXX credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had zeroed. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that XXXX had reported that I made a late payment so my application was declined. 
Multiple attempts with XXXX to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchase of a XXXX XXXX XXXX from Best Buy XXXX $ is the total. They shipped it via XXXX XXXX in the original packaging according to them. Tracking showed that XXXX XXXX delivered said package. We waited a few days to ensure proper delivery. The package was never nor did we ever receive package. Best Buy denied refund due to tracking. Citibank failed to process a chargeback or use our information for a dispute.
Complaint sub-issue: Debt is not yours

on  XXXX   XXXX   XXXX  I took subscription for  XXXX .Account number  XXXX  On  XXXX   XXXX  equipment was shipped by  XXXX .   On  XXXX   XXXX   XXXX  send cancellation email.   On  XXXX   XXXX  confirmation email received of returned equipment Now I see on my credit report there is a collection filed on  XXXX   XXXX   XXXX  by  XXXX  for {$460.00}
Complaint sub-issue: Debt was result of identity theft

In my last dispute I was told that the alleged debt was verified..So I am requesting a detailed process of the reinvestigation to confirm the alleged debt..I am also requesting a summary of my rights, my full file, along with sources and report recipient 's...
Complaint sub-issue: Problem during payment process

On XX/XX/2022, I contacted Best Buy to have a payment allocated for a Promotional Purchase in the amount of {$680.00}. I was advised by an agent ( Best Buy ) that in order for the monies to be applied towards this promotion item, I will need to make my scheduled payment on XXXX. I have to contact Best Buy Allocation Department each time I am paying off a promotion item. It was never a problem before, on this one payment, I assumed it was done correctly due to all the payments in the past has posted correctly. I noticed the charge for the Promotional item was still showing up on my statement on XX/XX/2022. I contacted Best Buy regarding this and spoke with a Supervisor, who advised she would send this to the Back Door team and have them review the call on XXXX, this call was recorded for confirmation of the allocation payment, this would take 5 to 7 business days. I had a scheduled payment due XXXX, after making my payment, I called Best Buy again to ask why the Promotional Item was still showing up on my account. The representative of Best Buy advised the review was completed and because the payment was older than 2 billing cycles, that I would need to schedule a payment arrangement on that Promotional Item. I asked to speak with a supervisor, during my conversation with this particular supervisor, we discussed the previous supervisor notes and the outcome was unacceptable. As a consumer of Best Buy, I was assured that the payment would be posted and now I am having to make this payment again because the agent misapplied the monies.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and XXXX
Complaint sub-issue: Charged too much interest

citi bank credit card has taken over the sears credit cards. I recently received my statement informing me that i signed up for a promotional payment plan that was interest free for four years and then interest would accrue. The balance owed is {$2800.00}, they are now charging me {$5400.00} in interest. When i called them about it, they were unable to supply me with proof that i signed for this promotional program. I have never signed up for these promotional programs for this very reason. I have been warned for years when i started my credit history against these types of programs. The interest is almost a 100 % charge. I demand proof of my signing for this type of program and have the interest removed from my account. As i am now attempting to cosign for my child 's student loans this will severely have negative affects on my credit rating as the balance on this card is exceeded by more than two thousand dollars.
Complaint sub-issue: Reporting company used your report improperly

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my wife year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Complaint sub-issue: Other problem getting your report or credit score

Equifax can not locate my credit file. 

In applying for a home mortgage I discovered ( was notified by my lender ) that XXXX  and XXXX  were reporting my credit, but Equifax was not. 

This does not make any sense, as I have had credit cards for over 6 years - through XXXX   XXXX XXXX and XXXX XXXX. I have contacted XXXX XXXX  XXXX and XXXX XXXX and they both confirmed that they were reporting my accounts to Equifax. 

I have contacted Equifax monthly for over 6 months now, and they have told me the same thing every time : " Equifax can not locate your credit file. '' I have responded that that is the exact problem I am trying to solve and every time they have insisted to me that the only way to solve this problem is to mail or fax them a copy of my Driver 's License, Social Security Card, and a cover letter explaining why I'm sending them this information. I have done this four times now, three times by fax and one time by mail. Two times I have gotten the same letter of response saying " Equifax can not locate your credit file '' ( attached documents ), and two times I have not gotten a response at all.

Now I am trying to buy a house and my mortgage lenders will not give me a loan with only two out of three credit reporting agencies reporting my credit. I have been dealing with Equifax for nearly 9 months with this issue, and they seem to be careless with my personally identifiable information - Social Security card and driver 's license, along with cover letter stating my addresses over the past five years. 

Is there anything that can be done to get Equifax to recognize that I'm a real person and report my credit? I'm a Federal Government employee who has had finger prints taken and background checks performed, and have an extensive borrowing history through XXXX  XXXX XXXX and XXXX XXXX. My credit score is excellent, and I have never missed a payment. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Complaint sub-issue: Problem getting your free annual credit report

Since approximately XX/XX/2018, i have attempted to receive my free annual credit report from Equifax. Whenever I attempt to login, I get an error message stating that the information I entered does not match what Equifax has on file. After about a week of this occurring, I contacted Equifax 's consumer assistance line. The agent who I spoke with stated that they were having an update and that's why I'm unable to sign in to receive my report. Ok, fair enough. I ask to be sent a report. The absent states she can not do that as their computers are updating as well. Odd, but I accept it. Over the course of the next 2 months attempting to access my free report ( legal right ), I am denied each time with an update being the reason everytime. One day, XX/XX/XXXX ir so, as I'm speaking to an agent in the fraud department- how a fraud alert was requested by me I'll never know, as I still haven't received a report from Equifax . I digress. I explain my frustrations of a two month update. The agent confirmed my suspicion. There's no way that Equifax could run a two month long update and still operate. He has no idea why they were lying. He verifies my identity, removes the fraud alert, and proceeds to confirm my current and previous addresses with me, checking for spelling as well. I attempt to log in. To no avail. Despite my persistence, I am unable to access my report. This past week, I have discovered the reason. Equifax keeps changing my address despite the TWO address verifications I sent in. Equifax is denying me my right to my free report.
Complaint sub-issue: Information is not mine

On XXXX/XXXX/15 I noticed my credit score dropped due to an inquiry, I checked XXXX and there was an inquiry from XXXX on XXXX/XXXX/15. I submitted a dispute to Equifax and the results stated that they are a factual record of file access. I have never had an account with XXXX and I live in XXXX this inquiry came from XXXX. Equifax told contact the merchant and I did. I got a response back from XXXX XXXX, from XXXX asking for personal info to see if I had ever opened an acct with XXXX. On XXXX XXXX I got a letter form XXXX XXXX from XXXX confirming that the inquiring removal had been submitted to all XXXX credit bureaus. Months later I checked my credit again and noticed the inquiry is still on my credit report, so I mailed a XXXX letter to XXXX and got a response from XXXX XXXX stating they were submitting an inquiry removal again to all XXXX credit bureaus. It 's going on 10 months and this inquiry is still on my credit report which is still impacting my credit score and I believe this is a fraud transaction that needs to be rectified. I do n't know how XXXX got my personal information to run my credit, they are confirming that I do not have an open account with them but I believe a fraud and unauthorized inquiry was made from someone that is portraying my identity. Please help me resolve this problem.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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  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 an account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Information belongs to someone else

ftc violation showing on credit report sent ftc and all required documents to have these accounts removed
Complaint sub-issue: Investigation took more than 30 days

Late last year, I discovered I am a victim of identity theft. I contacted each financial institution to report the fraud. Beginning XX/XX/2021, I submitted multiple requests to Equifax and XXXX to have the fraudulent inquiries deleted from my credit profile. To date, this request has still not been fulfilled. My last submission included a copy of my identity theft report, my photo ID, and a list of the inquiries using the template provided by the Federal Trade Commission for just such a request. 

Please assist me with getting this request fulfilled. If more information is needed, please contact me via phone/email/mail and I will gladly provide the additional information. 

My review inquiries have been pending since XX/XX/2021, which is now XXXX XXXX months ago.
Complaint sub-issue: Debt was paid

There was a collection account reported on my credit report on XX/XX/2020 for the amount of {$540.00} from XXXX XXXX XXXX. 
However the collection agency that the account was sent to was Enhanced Recovery CO L. 
According to the Cares Act I should have been notified of this account and also allowed an extension or grace period for this account. Also, this particular account was paid in XX/XX/2020 and therefore should not have been put on my credit report at all. I have lost my job due to the COVID pandemic and facing very hard times at this time and definitely do not have the funds to pay an additional {$540.00} for an account that is inaccurate.