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

After unsuccessful attempts to dispute a debt with XXXX  and Equifax, I initially contacted Tek-Collect, the debt collection company on XX/XX/2020. I advised them that the debt was paid in full to the original creditor XX/XX/2020. I provided them with a copy of the canceled check. They said it takes 2 to 3 days to verify and update. I contacted them again today XX/XX/XXXX because Tek-Collect updated dispute investigations with both credit bureaus as accurate and unpaid despite being provided proof of payment for the third time. The representative at Tek-Collect refused to provide a supervisor to discuss this matter with. She requested proof of payment again. She advised that they began working on this matter on the XXXX and still needs more time but had to estimated time for completion. She declined to take proof of payment again after being advised that they have received it several times.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Information Services, LLC is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services , LLC. 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 
3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX XXXX was hired for a deck remodel. There were two payments issued to XXXX XXXX XXXX  for the amount of {$2300.00} on XXXX and {$4300.00} on XXXX. The contract has been uploaded with the terms of the agree upon work. These two transactions were 50 % deposits to have the work completed by end of XX/XX/2021. 

The contracted work was not completed by XX/XX/2021 and we allowed an extension with XXXX XXXXXXXX XXXX for them to finish the deck by XXXX. The deck was not finished and our good will extension was abused by the contractor. On XXXX as the deck construction had not started, disputes were opened with Discover card as we had used the card to pay the deposit. 

Discover card did not reach out until XXXX when they reached out to state that the dispute had been closed and decided in the contractor 's favor. When asked what documentation had been uploaded by the contractor, only a sales receipt has been provided. We had uploaded a timeline, the contracts, pictures of the uncompleted work, and screenshot of the agreement with XXXX XXXX XXXX  who agreed to refund XXXX back to the card as they have not completed the work. 

XXXX XXXX XXXX did not refund the XXXX and we again reached out to Discover with an uploaded copy of the signed agreement on XXXX after giving XXXX XXXX XXXX an additional 4 weeks to refund the deposit. 

Despite photographic evidence, a screenshot of the signed refund agreement, and contracts outlined the agree to work, Discover has refused to process a refund and requires a signed letter from XXXX XXXX XXXX on their letterhead authorizing them to process the refund. This is an unrealistic and undue burden on the cardholder and represents an effort on Discover 's part to skirt the work and effort required to protect the cardholder to small claims court. 

Based on our experience, Discover 's dispute center does not protect the cardholder and we are unsure as to what benefit it can provide for a cardholder. We uploaded a picture of our unfished deck and Discover 's response was that a picture is not proof. When asked what they require for proof of unfinished labor, they were unable to provide an example and refused an offer to have an agent drive to our home and view the unfinished work for themselves.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

I am currently in school, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.
Complaint sub-issue: You never received your bill or did not know a payment was due

Earlier this year, in the spring time, I believe in XXXX, I was informed that my PNC Credit Card ending in the numbers XXXX was past due. This was odd, as I always pay my bills when I receive them. I immediately paid the amount past due. I couldn't find the bill. I receive paper bills and pay them with checks via regular mail. I know I am archaic, but that's just the way I do things and it's within my rights. After being unable to find said bill, I just assumed I had lost it or my mail person misplaced it, although I remained suspicious. I continued to place all my credit card bills in the same spot and keep a very close eye on them. 

This past week, on Friday, XX/XX/XXXX, I was contacted via telephone and informed that my payment was past due on the same credit card, ending in XXXX. This time, I knew I never received the bill. I have three other PNC credit cards and had received the bill for each of those three. Just not the one ending in XXXX. I paid the amount past due over the phone. 

After confirming I had never received a bill in the mail, I decided to file this complaint. I am concerned PNC is purposely doing this to either collect late fees or coerce me into setting up automatic payment from my checking account. They won in the last matter, I did set up automatic payment so this does not happen again. 

At this point, all I want is for PNC to remove any negative hits on my credit report from these two alleged late payments. I am fine with them keeping the late fees, they can have them. I just want these negative events off my credit score because I am not at fault for them because I never received my bill.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Complaint sub-issue: Problem with balance transfer

I am writing in regards to Citi Bank offering me a balance transfer at one offer, but fulfilling it under different terms than offered. I was offered a balance transfer ( Balance Transfer Offer 4 )  under the terms of 0 % until paid in full with no transaction fee. I took advantage of this offer and completed four ( 4 ) balance transfers, and I have attached screen shots of the offer on my account and screen shots of the completed transfers on the Citibank website. I first completed a Balance transfer in the amount of {$2000.00} on XXXX XXXX. ( Attachment BT Citi ). As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX I completed a balance transfer in the amount of {$4200.00}. ( Attachment BT Citi XXXX ) As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX, I also completed a balance transfer for {$8000.00} under the same terms On XXXX XXXX, I completed another transfer in the amount of {$5000.00}. Attachment BT Citi XXXX. As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. The offer was made available to me upon logging in to my account online and I took advantage of this several times. However, upon receipt of my statement, the balances were not fulfilled as offered. The Balance transfers did post with no fee and did post at 0 % however, the term of the balance transfer is listed as expiring in XXXX of XXXX. Clearly, this is not the offer I agreed to and is not what was offered and is evidenced by the enclosed screen shots. I have attached evidence of this. I should have a balance of XXXX at 0 % until paid in full as marketed and agreed to by me when completing the transaction. I would never have taken advantage of an offer as posted to my account, as I currently have a 0 % rate on my account until XXXX of XXXX. Citi Bank continues to harass me. This is just another instance of false and misleading statements and marketing lies perpetrated by CitiBank. Citibank should be required to honor the 0 % rate on all of my balance transfers until paid in full as offered to me and as agreed to by me.
Complaint sub-issue: Reporting company used your report improperly

My personal information, per the Equifax website portal to check, was obtained without my consent by criminals who illegally breached that data in possession of Equifax. I have filed a credit fraud alert for 90 days.
Complaint sub-issue: Account status incorrect

I have reached out to Equifax and XXXX on numerous occasions over the last two years to have XXXX listed on my credit report as included in bankruptcy. I have sent the paperwork to Equifax as well as XXXX and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.
Complaint sub-issue: Didn't receive notice of right to dispute

I NEVER RECIEVED ANY COMMUNICATION FROM THIS COMPANY, I SPOKE TO XXXX AND THEY SAID I DONT OWE THEM ANYTHING, IM CURRENT. 


I WANT THIS DELETED
Complaint sub-issue: Information belongs to someone else

As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
Complaint sub-issue: Confusing or misleading advertising about the card

Citi constantly reaches out to me to open another card. 
I have a few cards, have paid off most of them and the letter I received is my application was denied due to credit, number of delinquent accounts and high balances. 
Well, they approved another card a few months ago and have been sending information to open another account at zero percent. 
I think Citi doesnt want to lose more money .... Citi claims they used XXXX. 
I have included XXXX on this complaint, it shows no lates and no high balances in comparison to open account and a perfect payment record. 
So lying is okay to bait me into applying???? This is FRAUD. 
My credit score is over 700. 
I think this kind of misleading advertising should be illegal. 
And to say I have delinquent accounts is a LIE. 
What is being done about this kind of misleading, baiting and inaccurate information.
Complaint sub-issue: Account status incorrect

I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2.XXXX XXXXXXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3.  XXXX XXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXXXXXX XXXXXXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
Complaint sub-issue: Billing problem

In the month of XXXX XXXX I fell behind on my payments, during the process of making payments to bring my loan into good standing and current with XXXX XXXX XXXX. I authorized a post dated payment to be withdrawn from my account on XXXX XXXX, XXXX. After 4 days of checking my account and no withdrawal of {$250.00} dollars from my XXXX XXXX XXXX XXXX Checking Account ending in XXXX, I called XXXX customer service line and spoke with a representative who said that she saw the payment pending but now further information was available. I authorized a second payment in the event that XXXX/XXXX/XXXX payment was n't processed correctly. The second payment was processed on XXXX XXXX, XXXX. After a few more days my account did not reflect any withdrawals from XXXX XXXX XXXX processing that XXXX uses for their collection purposes. I spoke with the Bank branch manager who researched the issue on their end and confirmed that no withdrawals were attempted. I gave it a few more days in the event that there were any delays in processing until I received a very rude collection call accusing me of being 50days past due and owing {$530.00}. When i asked about what happened to my previous payments the collection rep was unable to answer that question and informed me that the unsuccessful payments were noted as being NSF. I quickly corrected her that those previous payments were not presented to my bank for collection and then I asked to speak to a manager and supervisor who could answer my questions and find out why my payments were never processed and now being reported as NSF on my account and listing my loan late with the Credit Bureaus. The manager was just as rude as the rep and was less helpful than the previous representative. The company is unwilling to resolve the incorrect information still reporting my account as late for XXXX XXXX with the 3 Credit agencies. 
Monday XXXX XXXX, XXXX I authorized a payment to be collected from my savings account which was successful. Wednesday XXXX a complaint advocate left a message wanting to speak to me in regards to the conflicting information, whoever the telephone number she left for me to call back was incorrect and when I called the general customer service number the agent informed me that they do not forward calls to another departments and if he was not able to resolve my matter that he would forward a message onto his manager and have someone contact me, 48 hours later still no call or solution. 
So I would like XXXX XXXX to provide me with an explanation as to the issue that prevented my payments to be withdrawn from my account on XXXX & XXXX ; then the account to be corrected and reflect the correct reason for the failed payments and not NSF. After that a correction to the 3 credit bureaus that my payment was only 30 days past due for the month of XXXX, XXXX. 
It probably would n't hurt for them to be audited and make sure they are treating customers fairly and not using unethical collection tactics.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX STOLE THOUSANDS OF DOLLARS FROM DISCOVER DOING CHARGE BACKS. you name it restaurant food, expensive trips to XXXX XXXX, XXXX, XXXX XXXX, designer purses, and this all dates back years she is a thief surveillance tapes will show her making purchases. DISCOVER choose to ignore this
Complaint sub-issue: Didn't receive notice of right to dispute

ON CREDIT REPORT FOR THE AMOUNT OF XXXX PLACED IN COLLECTION
Complaint sub-issue: Information belongs to someone else

XXXX XXXX opened a fraudulent account in my name XX/XX/2013 The account is a result of Identity Theft. I did not authorize this account to be opened
Complaint sub-issue: Termination fees or other problem when ending the lease early

My lease began in XX/XX/XXXX. It ended in XX/XX/XXXX. The original lease " turn in fee '' was disclosed as {$250.00}. But when I turned in the car, they demanded {$350.00}. 

I immediately wrote Volkswagen XXXX a letter to dispute the claim, but I haven't heard back. I asked them to send me a copy of the original lease, but I haven't heard back.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I opened an account with Citibank when I purchased a washer and dryer from Sears. They assured me that Sears would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my PO Box for billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned Sears and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from Sears informed me that the salesperson was new and didnt know that Sears doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at Sears. I telephoned Citibank and Sears to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that Citibank was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, Citibank mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that Citbank reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected Citibank to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that Citbank clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between Sears and Citibank. Citibank has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
Complaint sub-issue: Debt was paid

Was told payment would keep debt from reflecting on my credit as a collection action. Payment made over 60 days ago.