Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I opened an PNC core visa account 2yrs ago. As the no interest terms was ending I spoke to the manager at the XXXX location and asked if there is a way to extend the no interest. He explained that I could apply for another and transfer the balance if I qualified. The manager at this location I've gone to for banking advice regularly and when I applied for the first Core Visa he took my information and did the application for me. He applied and got me the other Visa and told me to bring in the checks from the new Visa to pay the other Visa balance. I did this and he paid off the balance except {$930.00} XXXXwo days before the payment was due on this card. He explained what he did and told me that the next payment I could pay it or the payment required. The next month I received both bills and paid the new card monthly min. payment but had questions with the old card because it was the same monthly payment I use to make before the balance transfer. I questioned this with that manager and he agreed and said that he would call their credit card service dept. to see why. He told me to not wait to pay it until he speaks with them. I asked  him about them reporting if I don't and he said no because it will be in disputed while he worked on it. I checked in with him a couple of times and he was still working on it. But the last time I called they said he no longer work there. Also at this time I received info about my credit dropping 200 points because of this. None of my PNC accounts has ever been paid late and if my report is looked at it reflects that. Missing payments doesn't fit my history. I've contacted PNC about this and they are refusing to fix this. I was directed by one of their banking officials what to do and feel as if I did everything I should have as a consumer and believe this is been miss reported. It doesn't make any sense that I would pay all of my other PNC accounts and not this account without being told by the manager of the branch. They aren't standing by what they tell their consumers because while working and trying to resolve this with them I agreed with Ms. XXXX in esclation dept. to pay the remaining balance of {$930.00} in full and she would remove the late fees. I paid the balance in full but they still have a {$53.00} bal. that shouldn't be there per our agreement. Now if I don't pay that bal. they will miss report that as well as not paid and continue to ruin my credit. This isn't fair to me as a consumer because I use my credit to make a living as well. PNC needs to fix the errors on my credit report and the balance on the old card per their agreement made by their employees. You go to a banking official to get guidance because that's not your profession and supposed to be able to trust the advice they give. Please help me with this complaint, thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

We are filing a lawsuit in the amount of XXXX $ against Citi Bank. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. 


Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT.
Complaint sub-issue: Information belongs to someone else

This is the ten time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify.Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law
Complaint sub-issue: Investigation took more than 30 days

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.
Complaint sub-issue: Was not notified of investigation status or results

I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...
Complaint sub-issue: Problem with statement of dispute

Equifax stated they verified bankruptcy that is on my CREDIT report with XXXX XXXX. XXXX account has a security freeze on it and representative from XXXX XXXX stated they did n't verify any information with Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This account showed up on all 3 reports I have sent all the info to have it removed and XXXX  and XXXX  deleted this but equifax will not.Pls Help I have disputed and filed a police report and its still there.Can someone pls help me
Complaint sub-issue: Information is not mine

I HAVE SEVERAL EMAILS AND IVE SENT THESE DOCUMENTS TO EQUIFAX ON PREVIOUS AND RECENT DISPUTES ABOUT THIS MATTER ABOUT XXXX ACC # XXXX REPORTING ON MY CREDIT BUREAU I PUT THIS COMPLAINT IN AND NOW EQUIFAX IS ASKING ME FOR A SS CARD OR BIRTH CERTIFICATE IVE ALREADY PROVIDED MY SS CARD TO YOU GUYS 6 TIMES ALREADY AND THE ACCT # XXXX IS NOT MY ACCT AND IVE ASKED XXXX TO VALIDATE THE DEBT AND THEY CANT VALIDATE THE DEBT TO ME BECAUSE ITS NOT MY ACCT BUT IM BEING HELD ACCOUNTABLE FOR THE DEBT FOR ADEBT ON MY CREDIT REPORT THAT EVERYONE IS REFUSING TO REMOVE UNLESS I PROVIDE DOCUMENTATION AND IVE SPOKE WITH THE CREDITOR AND EQUIFAX SEVERAL TIMES ABOUT THIS MATTER AND NO ONE IS HELPING ME RESOLVE THE ISSUE BUT SPINNING ME AROUND IN CIRCLES. IVE ASKED SEVERAL TIMES FOR DEBT TO BE VALIDATED AND XXXX SAYS IT CANT VALIDATE THE DEBT OR SEND ME PAPERWORK BECAUSE ITS NOT MY ACCT SO WHY IS IT STILL ON MY CREDIT REPORT AND SHOWING XXXX HAS VERIFIED THAT THE DEBT IS MINE BUT WHEN I CALL ITS SOMETHING ELSE AND I FEEL ITS A VIOLATION OF MY RIGHTS AS A CONSUMER FOR ME BEING PENALIZED AS A CONSUMER FOR A DEBT THATS NOT MINE AND HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. SO I HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST XXXX AND EQUIFAX FOR VIOLATING MY RIGHTS AS A CONSUMER AND RETAIN A LAWYER IMMEDIATELY TO HANDLE THIS MATTER IN LOCAL OR FEDERAL COURT. WILL FILE LAWSUIT TODAY.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax made it clear not to follow Metro-2 compliance guidelines. Never fully investigated my concerns. Accounts reappeared on my credit report after being removed in XXXX. 
Below is receipt of certified mail with proof of mailing letters send out past and present. 

Let remember I disputed with them over 6 times. So they had over XXXX plus to follow strict procedures. Now when accounts are removed and/or updates the bureaus must provide " carbon copy '' to their partners, affiliates, and other bureaus. This is part of Metro-2 Compliance so they should have this in their archive to show the accounts deleted. Plus any accounts I disputed in the past until now. 

Also Metro-2 compliance stated any errors on account must be delete. Let remember the creditors and bureaus must go through a compliance checklist for verification, validation process before reporting, and if you have multiply errors on my report, Equifax clearly did not investigate, but lied. Its CFPB to enforce the laws. 

Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Complaint sub-issue: Debt is not yours

this company is taking money out of my account. I don't have an account with them and they wont assist me with locating the account that is taking my money and they wont stop the payments, the dates and payment amounts are as follows : XX/XX/2019- {$49.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I requested these inquiries be removed because I never gave consent to review my credit report. 



XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX / Inquiry : XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry : XX/XX/XXXX Jewelers ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX Miscellaneous Contact the inquirer : MAIL ONLY XXXX-XXXX Inquiry : XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX Mail Order Firms ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry : XX/XX/XXXX Variety Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Public record

Tax Lien information on all XXXX reports is incorect I am making payments
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.
Complaint sub-issue: Reporting company used your report improperly

This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my credit report.
Complaint sub-issue: Delay in processing application

applied for a citi bank card in XX/XX/2019 still no answer if it been approved or not but my credit score went down because of inquiry called emails still no reply
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Reporting Agency-Equifax has increased credit card balance for XXXX? Balance was previously reported correctly by credit card company as {$400.00}. New balance has been updated to {$850.00} which is completely incorrect? Credit card has not been used since last 2 statements. Issue with credit card limit increase from {$3000.00} to XXXX has been corrected.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover has been dragging my dispute out since XX/XX/2020, which they have made a final conclusion on XX/XX/2020, despite incontrovertible evidence showing that the merchant was paid twice and was supposed to refund the amount back to my card ; in other words Discover was supposed to credit back the amount that was charged to my credit card by the merchant because the receipts showed that my company had paid the merchant ( XXXX XXXX ) for my stay. To give more clarity, this was a 'paid by other means ' dispute for which I had to prove through documentation that the merchant was paid twice. I provided said documentation by sending XXXX   receipts which showed the account it was paid out of, the merchant it was paid to ( XXXX XXXX ), and the date/time it was paid which also outlines it was the same day that my credit card was charged. I had followed up every other week to check on the status of this dispute and every time I spoke with a representative I was told a supervisor would give me a call within 72 hours. Some representatives gave a slightly different narrative and said a supervisor would call me within 24 hours, or 48 hours, and even in some cases I was told they would get back to me within a week. 5 months later and I was still waiting on a phone call. They have been ducking and dodging me for the past 6 months now while I've been struggling and diligently calling to push for a resolution because I had submitted all of the requested documents. When I was finally able to get a hold of a supervisor a few weeks ago, he had expressed to me that " if I was part of the back office and I had reviewed your case there would have been no question that I would have decided in your favor '', but unfortunately it wasn't his decision even though it should have been because he stuck to the facts of my case, and those facts are that I had sent in receipts and even had my company send a letter stating they had paid for my stay at XXXX  XXXX and therefore my credit card should have been adjusted to show a refund. It bewilders me that Discover would make a decision in favor of the merchant despite me providing proof for me case. It almost seems like Discover bank is in the business of protecting the merchants and not their cardholders nowadays. 

Anyway, I will attach all the documents and receipts below that argue for my case.
Complaint sub-issue: Changes in terms from what was offered or advertised

On Tuesday XX/XX/XXXX, my wallet was stolen from work, so I call Card.com to cancel my card as well as order a new one. It offered me the option of overnight 1 business day mailing for {$29.00}. However, after calling today I was told that I would not be receiving my card until Tuesday XX/XX/XXXX, which is unacceptable. They took my money based on the perception of a next business day delivery. I even called back and recorded the IVR given this deceptive information. I would like them to be accountable for the promises they make and return my money as they did not provide the service expected. I spoke with a supervisor by the name of XXXX with employee number XXXX, he stated that they never offered overnight service and my card had been sent XXXX using 3 day mail, although their IVR states differently. This is an unfair business practice and they need to be called out on it. Complaint is against Card.com thier customer service contact is XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX Card # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Trouble with how payments are handled

Nelnet keeps advancing my due date instead of applying payments to principal as instructed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX SXXXX, 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: Attempted to collect wrong amount

Citi Bank. I settled two Citi credit card debts with a debt collector ( XXXX XXXX XXXX XXXX XXXX working for Citi Bank, N.A. on XX/XX/XXXX and XXXX XXXX, attorneys at law working for a debt buyer ( XXXX  XXXX  XXXX XXXX assignee of Citi Bank N.A. ). I paid XXXX XXXX XXXX via Two- {$500.00} and a second for {$500.00} on XX/XX/XXXX and paid XXXX XXXX XXXX XXXX  with two- {$1000.00} and a Secord {$240.00} on XX/XX/XXXX. I need two tax forms ( 1099-C ) s from Citi bank, N. A. for the settlement accounts - {$2300.00} forgiven on account ending in XXXX and {$730.00} forgiven on card ending in XXXX. I have been in contact with Citi Bank, N. A and even " management office '' ; however, I can not get information about the two tax forms.
Complaint sub-issue: Investigation took more than 30 days

i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no response.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report and discovered several unauthorized inquiries on my report. XXXX XX/XX/, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX