Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

I made {$650.00} online purchase on XXXX for an XXXX in XXXX ( posted on XX/XX/2020 ), which I think is entitled to 10 % credit as advertised, but I did not get it. I tried to message the customer service and got the reply on XX/XX/2020 as follows, " Our records indicate that the purchase of {$650.00} on XX/XX/2020 ( XXXX/XXXX ) did not qualify as an online purchase. 

Our records indicate that you did not make any qualifying purchase for the below offer during XX/XX/2020 - XX/XX/2020, therefore no credit was awarded for XXXX and you did meet the minimum threshold ( {$610.00} and {$610.00} ) of the promotion during XX/XX/2020 - XX/XX/2020 and XX/XX/2020 - XX/XX/2020, therefore {$60.00} and {$60.00} credits were awarded for the below offer for XXXX and XXXX. 

Offer : You can earn 10 % back in statement credit up to a total of {$60.00} each month for total eligible ONLINE purchases that are made each month to your Sears Mastercard and from XX/XX/2020 and XX/XX/2020. '' It is weird that they think my online purchase of XXXX on XXXX is not an online purchase. If this is not an online purchase, I don't know what is an online purchase? What is the definition of online purchase? 

For clarity I have attached my invoice of the purchase for your reference.
Complaint sub-issue: Account information incorrect

I have tried to fix this with US Bank 4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to US Bank that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told US Bank that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with U.S. Bank on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Complaint sub-issue: Account status

Continue to have issues with Equifax credit reporting service removing and then replacing collections on my report. XXXX XXXX removed both collections from XXXX and XXXX from all XXXX credit reports. Equifax removed the accounts, then placed them back. Each time they do this, it hurts my credit score. Equifax continues to not fix errors on reports, and when they do, they turn around and place the information back on the report.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have advised XXXX XXXX XXXX, XXXX that I am not obligated to pay a 3rd party on charged off account. I have asked them to remove my cell phone number XXXX from calling and they continue. 
This company is also reporting on my credit report as 30, 60, 90, 120 past due and the balance is same {$370.00}. I have asked them to remove these late payment marks because I am not within a contract with them only Best Buy, they have refused to. I have my consumer rights and this company has broken them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.
Complaint sub-issue: Personal information incorrect

For years I have repeatedly tried to update my personal information with the company. They have repeatedly misspelled and use different names to LINK erroneous, fraudulent accounts to me. Recently, I have been called by XXXX XXXX XXXX. This name was used to manipulate, switch addresses and LINK accounts to me. When I call and give them my correct information they use it to LINK the account to me, instead of removing the ERRONEOUS information. There are 2 other people in my state with the same name and year of birth. When I mail them proper documentation ( ID, Social Security card ) they lie and say they never received the information. Every piece of documentation Ive ever sent has been by certified mail so I have the dates. This company lies puts fraudulent/erroneous information on reports for profit. Collection companies then extort people for money because people have no other option. Ive seen multiple addresses, phone numbers and names used to fraudulently link accounts to my name. Ive also sent them court cases in which erroneous accounts were thrown out because a judge found that the information was erroneously being attached to me. I have provided the court information and a copy of my Social Security card and ID. 

What I realize is these companies try to get you on the phone to GATHER information from you. They then use the information to change it on your credit report and do so-called updates. Their goal is to find a way to LINK information to you, even if it isnt yours because thats how they make money. What is going on is criminal and these credit bureaus are in place to EXTORT money from people, not to report fair and accurate information. 

Ive been unemployed for 4 years and have done odd jobs because of this treatment. 

Erroneous accounts : XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are errors on my credit report that need to be removed.
Complaint sub-issue: Funds not received from closed account

I received a check, thought it was legitimate deposited it in an ATM and it was fraudulent. US Bank contacted me of the fraudulent check and asked me questions about it and they decided to close my account because of scammers trying to log into my account and blaming me for giving out my login information to them but I have not done that, its been XXXX or XXXX weeks when they said it was been closed. I have not received my money yet. I had in the XXXX accounts. I had just checking and savings account. I have contacted them many of times and they say that they dont know when I will get my money back theres no time limit. And they also have hung up on me XXXX times and are very rude and will not give me any information of whats going on with it. Please help.
Complaint sub-issue: Information belongs to someone else

Hi, My name is XXXX XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  CREDIT CARD XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX, XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022, I sent out correspondence to First Progress Bank in reference to an account being reported on my Consumer Credit Report and an alleged debt. I requested that the account be verified and full debt validation be completed in compliance with F.D.C.P.A section 809 ( a ) 15 USC 1692g ( b ). Including a official Accounting from the bank and documentation of a contract bearing all party 's signatures. Furthermore, First Progress Bank failed to report that the account is in dispute to the Consumer Reporting Agencies as requested by me in my correspondence. a 2nd notice was sent out to First Progress Bank requesting for this information again as the response received violates me and the law.
Complaint sub-issue: Information belongs to someone else

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Complaint sub-issue: Account information incorrect

Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX  XXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX XXXX - I am not late on the month it shows on the report 4. ) XXXX  XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent
Complaint sub-issue: Didn't receive notice of right to dispute

I owe money to the university of XXXX. I was contacted by general revenue corporation in XXXX to collect on this debt. I didnt know I had the right to dispute it. I did ask for an itemized invoice of the debt and received one. We made a payment arrangement plan and I was told the longest I could extend the payments was 7 months which seemed weird to me. They told me originally it would need to be paid all at once, then in 3 months, until I kept saying I couldnt afford that and got it pushed back to 7 months with weekly payments of {$78.00}. I have been paying this debt since that phone call In mid XXXX. Now, due to the coronavurus, my hours have been cut at work and I can no longer afford the extra $ 300+ A month. I have contacted the company numerous times through calling the number they gave me, the number on their website, and submitting multiple inquiries online through their website. Their office is currently closed and I cant get a hold of anyone about this and Im terrified Im going to be in more debt and wont be able to afford my other necessary bills.
Complaint sub-issue: Account information incorrect

The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.
Complaint sub-issue: Banking errors

The following EMAIL complaint was sent to Discover Bank on! XXXX with no response. 

XXXX I would like to inform you about your negative customer service. Around XX/XX/XXXX I notified customer service that one of my IRA accounts was not posting any interest since XX/XX/XXXX. I received a message on XX/XX/XXXX that the problem was escalated and the interest would be posted in 2 or 3 days. 

On XX/XX/XXXX I faxed an IRA distribution request to close the account in XXXX because I would not be required to pay any income tax this year versus next year when my tax rate will be high. 

On XX/XX/XXXX I called to verify that the distribution was being processed and was told you will not process the distribution until they resolves the interest problem at a later date. I told them this is unacceptable and demanded they close the account in XXXX or I will file a complaint with CFPB. 

Towards the end of day XX/XX/XXXX, I received a call informing me that they will close the account and asked me to select an option for the claw-back of interest for XXXX & XXXX in the amount of {$23.00}. The options were withdrawing the funds from another account or reducing the payment payout. 

It is very cheap and greedy of Discover Bank to be more concerned about {$23.00} rather than the importance of distributing my funds and the inconvenience caused in addition to the value of my time spent reporting the problem and trying to get my IRA distribution processed. As a XXXX year old client I do not appreciate the stress you caused. It is amazing that Discover Bank worth billions of dollar will do anything, regardless of how it effects the client to recover a few dollars that may have lost through their own fault. 

I would like to know how you justify your intentional delay of distributing my IRA funds.
Complaint sub-issue: Problem getting your free annual credit report

I filed a complaint against Equifax number XXXX, because they refused to provide me with my consumer report and file. Equifax closed my complaint and responded with a stall tactic, once again refusing to comply with my request.
Complaint sub-issue: Banking errors

This is a follow up of my original complaint case #  XXXX   XXXX .  PNC  Bak has failed to provide me with and explanation why {$360.00} was taken out of my personal checking account ending in  XXXX  on  XXXX ,   XXXX    XXXX . They have failed to provide me with the complete investigation file which  PNC Bank  claims I have mishandled my personal checking account.     This request is specifically directed to a letter dated  XXXX   XXXX ,   XXXX   Ref. #  XXXX . In that lette r PNC Ban k used as a reason to deny my request for a credit card.   see reason #  XXXX  " Unsatisfactory handling of your relationsh ip ( s ) wit h us '' I have requested a detailed explanation of both issues 7 times, in writing, verbally over the phone and walking into branches. There are serious security issues with the {$360.00} ATM withdrawal of my account and I have a legal right to know what exactly happened. Further, if  PNC ban k is claiming I have mishandled my personal checking account, that claim has the potential to negatively impact my reputation.   I want the information i have requested and hoping  PNC ba nk will comply with federal and state laws that clearly state they MUST provide the information requested. Otherwise I will be forced to file civil claims and through that venue I will ascertain it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the UNKNOWN INQUIRY listed below is still reporting on my credit report. In violation of Federal Law, EQUIFAX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting this unknown inquiry. Hereof, given all my attempts to address this concern with the bureau, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Card was charged for something you did not purchase with the card

Here is my record ( timeline of my case ) about what happening with citibank credit card of my unauthorized charge. 

XXXX XX/XX/2020 - Received alert of XXXX charge from my Citi app. 
- Called credit card to inform the unauthorized charge from XXXX - XXXX credit card was cancelled immediately by citibank. Citibank re-issued a new card XXXX. 
XXXX XX/XX/2020 - I received letter from Citibank about my dispute. 
- {$470.00} was charged back to my account. 
- Citibank attached a document from XXXX about the purchase that I did not make. 
XXXX XX/XX/2020 - Call XXXX XXXX XXXX to talk to Citi security department. 
- They requested me to submit them a prove. 
- I told them I can not provide evidence to prove that I did not purchase it because it never happened.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX  collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? As per the fair credit reporting act section 609
Complaint sub-issue: Public record information inaccurate

XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of XXXX I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to his company several times however they have not responded to my dispute in regard to this account they are reporting this account with late marks even though I have reached out to them for forgiveness due to hardship brought by COVID 19 I have been relieved from my work and have been having a hard time.
Complaint sub-issue: Account information incorrect

In XX/XX/2019 I conducted a, solely, non-credit business transaction with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of XXXX, XXXX WA XXXX. At absolutely no time was credit of any kind either discussed or even whispered about. However, XXXX XXXX XXXX XXXX, unbeknownst to me at the time, and with absolutely no authorization of any kind, somehow ran a " hard [ credit ] check '' against my Equifax credit file. This was a clear violation of the Fair Credit Reporting Act. After discovering this on my Equifax credit file I contested this with Equifax on XX/XX/2019, ( Credit File Confirmation # XXXX ) and but two days later, on XX/XX/2019, Equifax determined that " Inquiries are a factual record of file access. If you believe the file access was unauthorized, please contact the creditor. '' Of course. By definition, my complaint itself stated that the access was " unauthorized, '' and it is not my job to clean up the illegalities that Equifax allowed to occur, and now also is very actively acting as an accessory after the fact regarding. Using Equifax 's logic, any entity or person could access my credit report unauthorized and because the access " factually '' did occur, the resolution rests between the law-breaker who initiated the credit check and me, with Equifax, according to itself, just an innocent bystander that also can continue to list the illegal " hard credit '' check on my report for two years. Am I missing something? XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

I received copy of my credit report and i saw incorrect information. 
I have never apply for this company, i have no idea who is creditor, how is appear on my credit, i have never sign any contracts or agreements with this company.