Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

Hello CFPB, I am a XXXX year old with a credit score of XXXX and recently applied for my first credit card at PNC Bank. I signed up for the XXXX XXXX PNC Credit Card and got back an interest rate on my card of 23.99 % on the scale of 13.99 % to 24.99 % which was shown on the marketing materials. I was given a mailing from PNC saying that my credit score was XXXX and verified saying that my credit was better than 45 % of consumers. I thought the interest rate they gave me was very poor considering my credit history, so I called them and talked to XXXX about this issue. He said that PNC Bank typically gives everyone a rate in the higher range of the interest bracket including himself. He said that he has a credit score of over XXXX and he still is given a rate over 24 % consistently with PNC 's credit cards. He suggested I talk to the credit department to find out more. I was transferred to XXXX who explained to me that the rates are high, but are decided based on the prime rate of 3.25 % at this time and then PNC multiplies this number by a margin multiple which allows them to make money on credit card debt. It turns out this multiple is actually very similar for all PNC customers regardless of their credit score. Additionally, once a credit card is created, it is impossible to ask for the rate to be changed within 6 months according to the employees. PNC should not be allowed to market their credit cards with a range down to 13.99 % if they always put people in the top quarter of interest rates. This is false advertising and is damaging to consumers by making them think they have a chance at getting a good interest rate, but always giving them a poor interest rate regardless. I left my formal complaint with both XXXX and XXXX who she transferred me to. I would like CFPB to fix this issue that credit card consumers have. 

Thanks, XXXX
Complaint sub-issue: Can't close your account

Yes my name is XXXX XXXX I have sent a security deposit of XXXX to open a citi bank secured credit card. I had it for a few days when i called to have help creating online banking for my card. Somehow they think i was fuard and blocked my card. Its been blocked sense the XX/XX/XXXX. I tried everything in my power to unblock it and the number i have on my account they stated they cant verify it. I dont have a landline im XXXX why do i need a home number. The early warning citi bank would not let me cancel my card even if i cant use it. Their service is very rude and the people that i have talked to isnt even american. So i would like my card closed and the refund of the rest of my security deposit thats left. Thank you. I will never ever do buisness with citi every again in this lifetime Horrible service.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have old Debts that I personally dispute and do NOT remember as well as the fact all three of these debts listed on my Credit Report are beyond the 4 years " Statute of Limitations '' in the State of Texas. I have attempted several times over the past year to Dispute these Debts claimed as accounts with the XXXX XXXX XXXX right here in XXXX Texas. However, I feel they must be violating my rights by not taking action to follow thru with my Dispute and the three items {$510.00}, {$500.00} ( Strangely Alike amounts from same Original Company as if charged twice ) and {$71.00}. I 'm making this official complaint against the XXXX XXXX XXXX and would like to resolve the issue about these three Old Debts and have the information removed from my credit reports.
Complaint sub-issue: Transaction was not authorized

XX/XX/2021 Checking account {$460.00} self service wire transfer out {$25.00} wire transfer fee XX/XX/2021 Savings account {$150.00} wire self service transfer out {$25.00} wire transfer fee PNC BANK XXXX XXXX XXXX  XXXX Bank account was hacked. Notified Bank immediately. Was told 10 days to have my money returned. Then told 45 to 90 days. Now told possibly never. I can not get any information about this case. Please respond ASAP. Already filed dispute with FDIC. Waiting on response. Thank you
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly XXXX  mother of XXXX  kids and it is hindering me from doing a lot for my family.
Complaint sub-issue: Problem getting report or credit score

I had a Court name change on XX/XX/2016. On XX/XX/2016 I tried to get a car loan and was informed that my credit was locked by EQUIFAX. I made a call to Equifax, the reason was my name did not match my XXXX. I faxed the required Documents requested, and was told XXXX to XXXX hours. on XX/XX/2016 credit still locked, refaxed. Finally on XX/XX/2016 I called again ( XXXX call ) They had received my documents, and updated my new name as I waited on the phone. THEN IWAS TOLD IT MAY TAKE UP TO XXXX DAY TO UPDATE IN THE SYSTEM. In this age this is not right. 
I am now XXXX week with out a car, and still waiting, because of Equifax. 
NOTE : XXXX and Experian already show my name change.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX, and Equifax are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Submitted a payment on time by the XX/XX/XXXXof the month via the Macys app as agreed for the Pay Down Plan due to financial hardship. My bank took out an unexpected monthly fee so the payment was returned. When I called in to resubmit the payment, I was told that the account was no longer with Citi Bank and I could not make a payment because it was transferred to a collection agency. Then I received a letter in the mail to resubmit the payment. When I called in again to resubmit the payment, I was told the same information. I finally called in again and was told that the account was still with Citi Bank and the representatives that I spoke with before provided incorrect information. They could see where the letter was sent to me. I asked since I was provided incorrect information during my attempts to resubmit the payment, if I could be placed back on the plan and make payments accordingly. The representatives and supervisors are now ignoring that information and said I can make payments but it will eventually go to a collection agency. I was told that they cant provide confirmation of my payments and they will not change the status on my credit report from sent to another collection agency even though it is still at their office and they are refusing my payments.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN EQUIFAX AND XXXX  PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I paid for a service that I never received. It was for an event, and two separate charges were made. {$4900.00} and {$9900.00}. The seller reached out to me and told me they were unable to provide the service and will refund me. When that did not happen, I disputed the charge through my Discover credit card. During their investigation, they reached out to XXXX, who was the merchant account for the seller, and requested information. XXXX send them a receipt that verified the charge was authorized. As I explained to Discover that I have never denied the charge was authorised, my complaint was that I never received the service I paid for. They requested additional information from me, but I could not reach the seller. I explained everything over the phone and they continued the investigation. Based only on the receipt they received from XXXX, they closed the case against me, in favor of the seller. I contacted them right away, within one or two days and asked them, what kind of documents do they need to reopen the dispute. I was told, they needed a written confirmation from the seller, that they have not been able to provide the service and that they have the intention to refund my Discover account. 
After I provided exactly what they asked for, I was told the billing department can not issue money, based on an internal review, and the case can not be reopened. 
My take from this is that, during the initial investigation, they did not do their due diligence and relied only on a receipt which only proves I authorised the charge. Only after the initial dispute with their arbitration was closed, they told me what documents they need from me as a proof and once I gave it to them, They told me there is nothing they could do anyway.
Complaint sub-issue: Their investigation did not fix an error on your report

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Complaint sub-issue: Called after sent written cease of comm

Alliance One Receivables continues to call despite receiving a cease and desist demand to stop calling AND despite the acknowledgement of attorney assistance
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX XXXXXXXX XXXX Account Number : XXXX 2. Account : XXXX XXXX  Account Number : XXXX 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Problem getting your free annual credit report

on XX/XX/19 I discovered that there was a collection appearing on my credit report and I went to the free annual credit report website and easily secured my reports from XXXX and XXXX, filed a dispute and the item was deleted in less than 24 hours. Not so with Equifax. They keep showing a screen saying my report couldn't be shown online and direct me to request the report by mail. 

This is an obvious excuse not to comply with the law. I want that incorrect information removed from my report now and not the couple of months it would take by snail mail.
Complaint sub-issue: Can't get flexible payment options

I was contacted by  XXXX  via my school district protected email regarding a service to assist with public service loan forgiveness. When I called  XXXX  I was transferred to Doan Solutions LLC who I was told was contracted with them. I signed a contract and was charged a {$390.00} for their assistance with this program. After speaking with Fe d Loan Servicing, I believe this is a scam because they stated I should not have been charged a fee for those servic es.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXXXXXX Balance : -
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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 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: Their investigation did not fix an error on your report

I am submitting this complaint FULLY disappointed with Equifax. I have submitted now three complaints about the mishandling of an account that is on my credit report. As I previously stated Equifax did not follow the FCRA guidelines in the dispute process nor in the process for furnishers adding items to your credit report. I sent several letters to Equifax regarding account with XXXX XXXXj ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Equifax know that I never had an account with them. Equifax said that they verified the information. I sent another letter asking Equifax to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX XXXX. I then sent another letter to Equifax asking them to show me the process they used to verify this information and who at XXXX XXXX they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Equifax sent me letters saying that the information was verified and other details to the account were UPDATED. It wasnt until I submitted a complaint in the CFPB complaining, Equifax was saying that the account was past due and placed for collection on the same date, that Equifax took the time to get information regarding accounts on my credit report. It was after 90 days that Equifax even acknowledged that there was a XXXX date of delinquency and that I was not nor ever made payments to XXXX even though my balance was changing since this account was added in XX/XX/2020. As a consumer I have the right to a credit report that is 100 % accurate. What is even more disappointing is that EVERY LETTER and EVERY RESPONSE that Equifax has given me regarding this account has all been UNTRUE AND INACCURATE. I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked Equifax to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX XXXX has submitted a record of deletion to the Bureau. This is evidence that Equifax has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account on my report. I expect this account to be deleted IMMDEIATLEY!
Complaint sub-issue: Trouble getting information about the card

I got issued paycard from my employer and and was not able to actually is able to access my phones to funds Because my social security number was entered and wrong I have submitted several documents including social social ID personal care to try to get over the past few weeks with with no help or resolution resolution from the situation Their company for a pay card was XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681.they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts 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: Information belongs to someone else

I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.
Complaint sub-issue: Account status incorrect

My discover home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent Discover Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to Discover. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by Discover. However, Discover reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed inaccurate information that was placed on my Equifax credit file by XXXX XXXX in XX/XX/XXXX via Certified letter. I received a response from Equifax stating that the information on my file was verified. XXXX XXXX is reporting two different accounts with different accounts number and multiple names to Equifax. I have attempted approximately six years to have this information corrected. I dont own this account anymore. The home have been sold and the current owners are living in the home XXXX XXXXe purchased this account from XXXX XXXXe in XXXX but stating that they are the original owners. Ive attached as much documents as possible along with a spreadsheet that Ive created.
Complaint sub-issue: Talked to a third party about my debt

Eos cca has my mailing address on file, but decided to send a debt owed letter in my name to a XXXX address belonging to my estranged brother in law. He thought i was having bills sent to his home on purpose. He opened the letter being that it was sent to his home and discussed my business of debt collection for a phone i paid the full liquidation balance that was owed to XXXX. Eos cca must have gone through my XXXX contact list in order to know who my brother in law is. I am disgusted the tactics that were used being that eos cca has my home address. It has made matters worse for my estranged relationship with certain family members. My business in no one elses business. It has caused me a great deal of stress and i plan on suing.
Complaint sub-issue: Information belongs to someone else

In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}