Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I was informed of BBVAs acquisition by PNC bank via email notification. When I went to pay my bill on PNCs mobile banking app I was not granted access and was informed that in order to receive access to online banking I was required to open a PNC checking account. I declined opening a checking account and visited a branch to make my payment since no online payment options are available without a PNC checking account. When I went into the facility they informed me that I was also going to be charged a bank draft fee to make my payment. After trying to find a resolution to make my bill payment more accessible to me I was told that I would have to come into the branch and pay the fee every time I wanted to pay my credit card balance. I let them know that I would be completing a balance transfer and moving my remaining balance to another bank that has more excess will payment options. A couple of weeks after I was informed that per my request my account had been closed at PNC Bank. I had never requested for my account to be closed and now I do not have any accessible options to view my payment amount or due dates. They are threatening to send my balance to collection but still will not provide an accessible account payment option.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Its a lot inquiries on my credit report that shouldnt be on there also from a XXXX XXXX that I didnt live in, these are not my bills
Complaint sub-issue: Their investigation did not fix an error on your report

I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. 
Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX XXXX 20 ) XXXX XXXX XXXX ) 21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I received a letter on my apartment door that I would need to vacate apartment by XXXX the XXXX or face eviction. I moved out of XXXX XXXX XXXX  XXXX XXXX 2019. 

I emailed, and called XXXX XXXX to let them know I would be leaving on XXXX the XXXX. 

I talked to the apartment complex manager XXXX XXXX who assured me I owed nothing. And I could leave before XXXX, XXXX. They just wanted me gone before above date. 

I received a letter from hunters warfield explaining I owed their client XXXX on XXXX, XXXX. I was shocked. 

I asked for validation of debt .I received a reply back. I was mailed a document saying I owed XXXX rent. And that XXXX XXXX   reimbursed the apartment complex for part. Hunter warfield says amount I still owed is XXXX I owe nothing to anyone. I payed last month rent in XXXX XXXX. Ive showed Hunter warfield email to XXXX XXXX stating I would be leaving in XXXX XX/XX/2019 I showed them payment on XXXX. 

From this point Ive been getting the run around. Hunter warfield says contact XXXX XXXX. XXXX XXXX says I have contact apartment complex. They however do not pick up ( try for yourself to see if you can reach XXXX XXXX  and someone actually pics up ) Ive however left messages with apartment. They will not call back. 

Ive disputed debt with XXXX. Hunter warfield told them I still owed debt. It is on my credit report. 

I refuse to pay a debt that I did not make. This is very disheartening that one can be lied on. Your credit score, your credit reputation destroyed over a lie.
Complaint sub-issue: Debt was paid

I told them I have paid this debit off before I ever heard from Hunter Warfield.  XXXX took my money and I asked them to not contact my company again using robocalls. She told me that the calls will not stop and they will continue to call me as often as they like. I told her I would report them and before I finished my sentence so cut me off and laughing said go right ahead. I own a towing and recovery business and am fully trained in debit collections myself. I have studied and certified in these areas as directly relates to repossessions of assets. She said if I paid my debit after a certain date i still owe them. Which is completely illegal. If XXXX took my money the account was not charged off. Therefore another company can't collect the debit again.
Complaint sub-issue: Old information reappears or never goes away

my credit is taking a hit unneccesarily. I pay all bills on time and XXXX  out my credit card balances monthly.
Complaint sub-issue: Reporting company used your report improperly

Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Complaint sub-issue: Debt was paid

AFNI, INC. is reporting a collection on my report in which the orgiinal creditor is SPRINT. Also XXXX  and XXXX continually to verify the account and ignore my request for the method of verification which is a FCRA violation. I want this to be verified or removed permanently from my credit reports. also i want it to be known that a bill from sprint  does not suffice as verification. their need to be a signed contract with my signature for this company that is reporting to the credit bureaus with my information in which they should not even have. Also AFNI, INC. does not even show as having the ability to collect any collections in the State of Florida so they would need to get this removed as I am telling them to Cease and Desist because this is a direct FCRA violation of knowing and willfully breaking a law.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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 seven 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. 


The list of accounts appearing on my credit files by XXXX, XXXX and Equifax below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. XXXX XXXX XXXX XXXX {$990.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$86.00} - Acct # XXXX XXXX. XXXX XXXX- {$1100.00} - Acct # XXXX XXXX. XXXX XXXX- {$730.00} - Acct # XXXX XXXX. XXXX XXXX- {$1500.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$890.00} - Acct # XXXX XXXX. XXXX - {$1100.00} - Acct # XXXX XXXX. XXXX - {$700.00} - Acct # XXXX
Complaint sub-issue: Frequent or repeated calls

Allied Interstate ( a debt collector ) is calling 10-15 times per day to collect on a debt I owe for XXXX XXXX. I admit I owe the debt and have offered to pay $ XXXX/mo which they refused. They are calling my cell phone, my husbands cell phone, my work phone, and my home phone. I have asked them to stop calling and sent a cease and desist letter, but the calls continue. The rare times I answer, I get no response. These calls are 7 days/week and non-stop. I can not receive these types of calls especially at work and they are putting my job in jeopardy In the last four days I have received 48 phone calls. Again offered to make the $ XXXX/mo payments and they refused stating that was n't good enough. Please make them stop calling
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  are reporting incorrect language on the XXXX  account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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: Account status incorrect

I have written, and called Equifax about updating, and accurately reporting.Information pertaining to various accounts on credit report. 
1 ) As an authorized user on my husband s XXXX XXXX XXXX  XXXX card.That account is listed on my credit report. Equifax has the payment status as " Not more than two payments past due '' .That is inaccurate.I personally paid on XX/XX/XXXX. For the months of XX/XX/XXXX, and XX/XX/XXXX. 

A. ) Equifax has the credit utilization for this same account as 76 %. That also is inaccurate. 

B. ) Equifax for this same account has a high balance of {$260.00}, that also is inaccurate. 

2. ) XXXX/XXXX A. ) Equifax has my balance as $ XXXX.That is inaccurate. 

B. ) Equifax has my credit utilization at 57 % that also inaccurate. 

C. ) I contacted XXXX regarding my credit report through Equifax. Is not reflecting my payments, my score hasnt gone up Since XX/XX/XXXX.XXXX informed me that they submitted/updated to Equifax XX/XX/XXXX . I contacted Equifax, and was given no information.But wanted me to pay for my score. I informed the representative.Im not asking for my score. I have MyFico for that. Asking did XXXX in fact submit updated information regarding my account.Was told they couldnt tell me that information. 

3. ) XXXX XXXX A. ) Still showing balance as $ XX/XX/XXXX.That is inaccurate. 
B. ) On my 2-Year Payment History that do n't have a payment for XX/XX/XXXX or XX/XX/XXXX.In which payment was made on time for both months.Equifax reported my account was late right away for XX/XX/XXXX, and XX/XX/XXXX. But, they have yet to update XX/XX/XXXX, and XX/XX/XXXX ontime payments.
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance.
Complaint sub-issue: Personal information incorrect

My credit report has an address on there that does not belong to me. I've spoken to an agent three times and also sent a fax requesting the correction to be rectified three time on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/2018 along with document of my driver license and social security card and yet the information has yet to be corrected. In fact, the correct address was deleted and the incorrect addressed remained after the first fax request which prompt me to send out additional request for the correction. After speaking to 3 different agents along with sending 3 fax request you would think the information would be rectified promptly!!!
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet Equifax and XXXX  are still reporting some of them. Equifax in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Complaint sub-issue: Inadequate help over the phone

I have been a member since XX/XX/2016. I review my score daily. I have worked hard to bring my score up since XX/XX/XXXX. My score dropped XXXX points over night from XX/XX/2016-XX/XX/2016. I called Equifax to inquire today. After spending and hour and 10 minutes on the first phone call and hung up on, I called back by direction of their Specialty Dept. I requested to dispute as it was suggested by Specialty Dept. The girl XXXX said they ca n't do that. Disputes are n't filed on scores, they are only filed on companies reporting to the angency peryaining to my file. XXXX was the first person, then her supervisor XXXX, then to Specialty Dept and then to XXXX ( which did nothing but place me on hold and hang up ). No one could explain why the significant decrease. Specialty Dept reviewed my credit summary and said, " there is no logical reason for this change. '' Yet, it happened. XXXX and XXXX both thought it was due to the current dispute. That 's unacceptable as a dispute does not decrease your score XXXX points. XXXX said it was probably from the court/legal accounts. I also said that these are OLD and have not had an effect on my credit for year 's. My score has been over XXXX since XXXX. I called disputes and after validating my personal information, placed me on hold for the duration of the ten minute call and hung up. XXXX and XXXX both remained the same. My member alert came from XXXX about Equifax today. There was also a new address reported within 24 hours. I have not changed my address nor have I reported a new one. How do I get the answer 's to my question about my decrease ( significant ) in score. Should I file a fraud alert?
Complaint sub-issue: Information belongs to someone else

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent you a debt validation letter XXXX days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Complaint sub-issue: Information is not mine

this is not mine XXXX please remove from all XXXX reports
Complaint sub-issue: Problem during payment process

I have a secured Mastercard with Citi Bank. The amount of the security deposit ( {$2500.00} ) is equal to the amount of my Citi bank Mastercard credit limit. I have had this card for 13 months so as loans / credit / banks are concerned this account is " seasoned ''. Any time I make a payment in excess of {$100.00} Citi bank holds my payment for 3 weeks or until I call them and they then call and verify with my bank ( XXXX XXXX XXXX ) to verify that the payment has been debited. Whenever I question Citi Bank reps ( I have had this conversation with Citi Bank multiple times over the course of the last 13 months ) as to why they do not automatically give me credit for the payment within 1-2 days of my bank paying them their standard response is " We don't have the payment ''. When i tell them that money moves like emails they tell me it does not. When i ask them why, when i have never missed a payment or had a returned check that they still hold my payment for weeks without crediting me in spite of the fact that my account is now seasoned theyll tell me " We have not received your payment ''. When i ask them if there is a 3 week delay between the time XXXX XXXX debits my account and they receive the money as they are insinuating they tell me " I do not know ''.
Complaint sub-issue: Problem with rewards from credit card

I was approved for a U.S. Bank XXXX XXXX credit card. 
This credit card has been a nightmare. 
At no point and time was I alerted or instructed to set up a " Central Billing Account. '' Every time I logged into my account it showed no balance due. 
No payment is due for months. Then I get a letter in the mail with a different account number saying my payment is late. 
I call and an hour + six customer service representatives later, they said that when I was approved for the card, someone should have setup my Central Billing Account. No one did that. I didnt do it because I didnt know it was a thing. 
This is my fifth biz card with U.S. Bank and no other card has this. I have literally never done this with any other business card, and even with U.S. Bank. 

I tried to setup the new Central Billing Account but it says my account doesnt exist. 

Ive called and emailed U.S. Bank. Theres one person whos been handling my issue. Her name is XXXX XXXX XXXX had 29 emails and multiple phone calls. No joke. 
She said my bonus has been posted but its not showing up in my rewards section. 
Shes called multiple times, shes contacted the business department, and she has worked her tail off to find out : why cant the central billing account be set up, why its erroring out when I try to do it and most importantly to me where is my {$500.00} bonus AS WELL AS I over paid while with a customer service representative and I have a {$40.00} credit on my account, that I can't open or use. XXXX XXXX, reached out to someone in business credit card department and he said he had to contact one of his supervisors.

This has been going round and round and round and round. Literally, who should have to email 29 times? 

I got my statements but they were only from my credit card account number, never through a central billing account. 
Mine always saying, New Balance {$0.00} Minimum Payment Due {$0.00} Payment Due Date XX/XX/2022 ( etc ) How I found out, was receiving a past due notice about my Central Billing Account ( one I didnt set up NOR anyone from U.S. Bank setup ). 

I should have my {$500.00} + my {$40.00} credit and access to my account. 

This is ridiculous. No other bank would have done this. 

There is so much to send here and unpack. I'll forward you every email I've received in trying to handle this mess.