Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

Between XXXX I was paying a reduced monthly credit card payment to XXXX XXXX Bank because of reduced income and wages. XXXX XXXX allowed this agreement. 
In approximately XXXX or XXXX I get served at work, XXXX XXXX XXXX XXXX, starting they were taking me to small claims court for non payment. I immediately called XXXX XXXX and told them of the agreement to pay a reduced monthly payment credit card which was allowed by XXXX XXXX bank. The representative said my file was erroneously escalated to collections. He said he would have the file removed from collections and rescind the summons. I paid the debt I full and never heard anything regarding this debt for over 10 years. 
Approximately XXXX or XXXX, I get a letter from a Nelson & Kennard agency saying they entered a judgment for this same account that was paid in XXXX or XXXX. I immediately called Nelson & Kennard and told them it was paid. I asked them to give me account details and a summary of account because this was paid in full 10-12 years prior to this judgment. Nelson & Kennard said they could not produce any account details and had no records for my account. I immediately called XXXX XXXX asking for my account details to show proof it was paid in full. XXXX XXXX stated since it had been so long, that information was purged and they had no details. I then reached out to an attorney who wrote a letter XXXX XXXX XXXX to Nelson & Kennard informing them of unethical collection practices. 
To this day, they never produced any account details nor have they provided any documentation nor proof that I owe any monies from this account that is over 20 years old. The only reason I knew this judgment is still active is because I'm trying to refinance my house and this judgment appeared. My title company has tried to get documentation from this company without any success. 
This company is using unethical collection practices by trying to collect on a paid account that is over 10 years old ( now 20 years old ). Nelson & Kennard can not provide any account details showing that I owe this amount ( which was paid years ago ). It's affecting my refinance and this needs to be removed and resolved.
Complaint sub-issue: Didn't receive enough information to verify debt

There is an account listed on my credit file through Jefferson Capital which is unknown as I have never had business with this company and no way do I owe anyone XXXX. This is inaccurate and false, requesting full validation including signed agreement
Complaint sub-issue: Account status incorrect

I reviewed my credit report and found inaccurate, invalid accounts on my report
Complaint sub-issue: Overcharged for something you did purchase with the card

I have placed an online order on XX/XX/2022, Order # XXXX, the order amount was for {$580.00}, I have returned all items on that order, however, only received a refund for {$440.00}, I did not receive a refund for {$130.00}, I have called customer service 4 times and was always told that they apologize and it will be refunded to me within few days, it has been XXXX weeks now with no success. I was even told that it was refunded to me, although my current credit card balance reflects that this amount has not been refunded to me.
Complaint sub-issue: Problem with rewards from credit card

In late XX/XX/XXXX I opened a US bank checking account to take advantage of a XXXX  fee checking account offer. During a conversation with their customer service team, I was asked if I would like to apply for the US Bank altitude reserve card which was " exclusive to US bank customers ''. I applied for the altitude reserve with the following terms ( PDF of terms is also attached ) {$400.00} annual fee {$320.00} statement credit for eligible travel related purchases 50,000 bonus points upon charging {$4500.00} in the first 90 days Bonus points are worth {$750.00} of travel if booked through the US bank travel portal. 

On XX/XX/XXXX I was approved for the US Bank altitude reserve card. Several weeks later, I met the spending requirement of {$4500.00} and paid off the charge plus the {$400.00} annual fee. I have attached the {$4900.00} payment I made to US bank on XX/XX/XXXX. 

After making this payment and paying the annual fee, I should have been entitled to the {$320.00} statement credit and 50,000 points as per the agreement. 

However, almost immediately upon completing the requirements for the bonus, US Bank closed my altitude reserve account with zero notice. I found out when I tried to log in to online banking and did not see my credit card account online. Customer service gave me the run around, telling me a fraud alert had been placed on my account, then asking me to call a different department, then asking to verify other information etc. 

After about a week I was finally told my account was shut down due to " risk prevention '' with no further explanation given. There was no opportunity to appeal this unilateral decision. This is after my altitude application had been reviewed and approved for over a month. Furthermore my annual fee has not been refunded and I have lost {$320.00} in statement credits and {$750.00} in travel benefits.
Complaint sub-issue: Sent card you never applied for

Hello I have been customers of Us bank for over 2 years We had a secured credit card and was offered to upgrade to an unsecured card on XX/XX/XXXX We clearly asked if our credit would be run to change to an unsecured account and told no it would be based off our payment history with US Bank and I would receive other offers in the mail if we qualify We received new cards in the mail for our new unsecured line of credit for the same limit of 300 However our credit was run I called to ask for a solution to reverse the inquiry to the credit bureau or give us a higher line of credit as 300 is not acceptable when our credit is good and we have other cards with 10x the limit The supervisor XXXX was not helpful and directed us to dispute with the bureau We requested to cancel our account as we were deceived and the supervisor could care less We will be filing a complaint with the FTC and federal reserve These are deceiptful business practices
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Debt is not yours

On XX/XX/18, I was contacted by someone who later claimed to be " Mrs. XXXX '' at Collectron. She said that I owed $ 500+ for medical bills with XXXX XXXX XXXX They are a very large local company and cover a range of services. The date was from my XXXX on XX/XX/18. Previously, scammers have contacted me by phone and then emailed falsified insurance documents, from this same XXXX. The amounts, times and companies are not related, and I do not believe these cases to be related aside from perhaps a breach of my medical records at this time. 

I asked Mrs XXXX for mailed proof of the debt. She refused and then became hostile. I did quick research while on the phone and found that she was breaking the law with her refusal. I brought this up. She became more hostile. I told her to have a good day and goodbye. 

While this is most likely a non-existent debt, there's a rare chance that this is an employee who just doesn't know what she's doing. If that's the case. I do not want my credit to be harmed. I'm actively looking to purchase a new home in the next two months. 

In trying to take this up with the company, I found the CEO 's name and email online and emailed him the following : Good Afternoon XXXX, A person calling herself Mrs. XXXX just called me to collect a debt and said that she is from your company, Collectron. I  recognize the name of the company that she says I owe, but do not recall receiving bills from them. Rather than give payment to someone over the phone who could easily be a scammer, I asked her to send proof of the debt owed, which is my legal right. She refused and was extremely rude. This is a formal request for mailed proof of any debt that may be on file in my name at your company. If there is no debt, this is a formal request to receive written notification of a lack of debt. 

Thank you,
Complaint sub-issue: Didn't receive services that were advertised

I Signed up for the MyEquifax.com using their web page. After entering everything it said they needed to mail me a verification number in the US Mail and to follow the instructions sent along with the number to complete sign-up. Received the letter on XX/XX/2020. I immediately followed the instructions to enter the number on their web page. When complete, this time it said I needed to call XXXX & speak to a representative. I called and was told I would need to mail or fax drivers license, phone bills, rent receipts, etc. While I was on the phone, I received email that said I was all signed up and simply needed to log in. When I tried to login it told me my password was incorrect and I could change it. They would email me a link. When I received the email I went to the change password web page and followed the steps and it said my password was changed. I went back and tried to login using the new password. It said it was wrong again and I needed to call the XXXX number again. I called and now the machine just reports I will need to fax or mail the above information and will not let me talk to anyone who speaks english, and just hangs up.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are fraudulent inquiries that I did not authorize appearing on my Equifax credit report that I request be removed immediately. I filed a police report, put a freeze on my Equifax report and a statement of fraud on my report and provided the police report and identity information to Equifax and they still have not removed the inquiries. I PREVIOUSLY FILED A COMPLAINT : XXXX Equifax 's response was that a dispute process was initiated and I would hear results in 30 days. No verification was actually done by Equifax as 3 days later they mailed a form letter stating that any creditor with my information and authorization has the right to run my credit. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! 

No action was taken by Equifax to investigate and delete the fraudulent inquiries. A police report was filed, a fraud alert place on my credit report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX XXXX. the card has a promotion of a free deposited first suitcase ; the promotion is fraudulent because they charged me for my first bag. XXXX $ dollars.
Complaint sub-issue: Account status incorrect

XXXX  and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called Nel-net spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from Nelnet. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX 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
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX. makes daily calls to me cell claming that I owe a debt. The caller will not give me any information about said debt over the phone without my giving my social over the phone. I have requested that they provide me with the debt information in writing and have not received it. I have been informed that XXXX XXXX XXXX. is now filling a writ of garnishment against me.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number # XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me as well as unauthorized inquiries and inaccurate accounts that I have listed below : The following personal information is incorrect : Name : XXXX XXXX Please Delete My name is : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 
2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address does not belong to me please delete from my credit report. 

My date of birth should read XX/XX/XXXX. On my credit report it reads XXXX which is a year and not a date. 

Please note I give your agency PERMISSIBLE PURPOSE to furnish the following personal identifiers ONLY : My true and correct name should read : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Social Security Number : XXXX Please delete any other personal identifiers being furnished. As a consumer, I am able to exercise my right to privacy in lieu of the Fair Credit Reporting Act. I do not wish to have any employment information furnished to my credit report. 
XXXX  XXXX XXXX XXXX The Please delete from my credit report. 


I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me. 

Please send an updated copy of my credit report to the address below. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : lIdentification lSocial Security Card
Complaint sub-issue: Didn't receive terms that were advertised

Hello, I opened a checking account with Citibank in XXXX because I received an offer for XXXX XXXX XXXX points if I met the following conditions : 1 ) spend XXXX dollars via this account in 60 days from opening 2 ) make at least one bill pay in consecutive months. 

During the 60 day window I had several chat sessions with Citi representative, which they should have on file, since these are archived, asking if I understood the requirements correctly to get the bonus. After the 60 day window, I was not awarded the bonus, so I reached out to customer service. They opened a dispute and the " Client Care '' team later told me I had not met the qualifications.

I reached out to customer service again and this time spoke with a supervisor. This supervisor and I walked through every single transaction to determine whether I had spent the XXXX from this account in the 60 day window as well as executed the bill pays. Supervisor XXXX said yes, I did. Supervisor XXXX said they would launch another dispute and not to worry, everything would get taken care of. 

After 10 days or so, I hadn't heard anything so I called back and asked to speak with a supervisor. I spoke with Supervisor XXXX. XXXX said that Supervisor XXXX never completed the dispute claim so no one was looking into it. Supervisor XXXX then reviewed every transaction in the 60 day window including the required bill pays. Supervisor XXXX confirmed, yes, I had met the requirements of the offer. Supervisor XXXX then agreed to file another dispute on my behalf including my thoughts that the company seems to actively be preventing me from receiving my bonus even while meeting the terms. 
I then received another letter from the " Client Care '' team describing the qualifications to receive the bonus and then go on to say that I hadn't met one of the requirements WITH DIFFERENT LANGUAGE THAN PRESENTED IN THE ORIGINAL QUALIFICATIONS. In their description of why I was not eligible to receive the bonus, they said I did not make 60 CONSECUTIVE DAYS of transactions which was not a TERM of the offer. 

Citibank is either extremely untalented in explaining their own TERMS of offers or engaging in dishonest behavior.
Complaint sub-issue: Reporting company used your report improperly

Data breach of 2017 for Equifax left millions of people in risk of identity theft. I was one of those consumers and I just wanted to create a trail of things in lieu of that. I am filing a complaint because Equifax negligently had their systems hacked and has leaked my information to the public.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). 
I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.
Complaint sub-issue: Account status incorrect

I spoke with VEROS CREDIT in regards to a repo status that was put on my credit for my XXXX XXXX on XX/XX/2019. My vehicle was never repossessed the vehicle was involved in a collusion and it was considered a total loss my insurance paid off the vehicle. I spoke with a VEROS CREDIT associate and they told me that they had fixed the repo status and that they already did their part from their end so that it was up to me to go ahead and speak with the consumer finance, so thats the reason why Im doing this report to see if theres anyway I can go ahead and get help to fix this mistake that was done by VEROS CREDIT.