Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XX/XX/2020 I purchased a plane ticket and travel protection insurance from XXXX {$270.00} and {$46.00} totaling {$320.00}. Due to a medical emergency I was unable to travel and contacted XXXX to cancel my flight and get a refund for the {$270.00} ticket. They cancelled my flight and refused their obligation to refund my ticket. I tried for several hours to resolve this with the creditor to no success. I then filed a dispute with Keybank prepaid card services by telephone and the agent categorized my dispute incorrectly and in addition to that issue I had moved in XXXX and did not get any requests my mail for further info on my complaint. My claim was subsequently denied. After learning of this error I called and re-opened the complaint and submitted all my supporting documents by mail and fax on XX/XX/2020. I received another denial letter from KeyBank stating that my claim is denied and that no error occurred which is a flat out lie. I don't think my claim was given proper consideration because this decision is so blatantly unfair. I did not receive the services for which I paid in either the travel by airplane or the travel protection insurance and I did not receive a refund for either. If Keybank properly investigated my claim and the evidence I provided I believe they would issue me a refund of {$270.00} for the plane ticket immediately if not in addition to the {$46.00} for the travel protection insurance which I did not receive. I have copies of the original purchase receipt, insurance policy, and charges to the debit card issued by Keybank as well as a doctors note serving as proof that I had no choice but to cancel my trip and am happy to provide that to your agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that my Bankruptcy be removed from my public record. I show proof that the United States Bankruptcy Court does not furnish this information to the credit bureaus. I provided this to the Equifax and XXXX. They refuse to provide me with the information who reported this to my report and refuse to remove this from my report. I request that the Bankruptcy be remove from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent 4 requests to Equifax to have inaccurate dismissed bankruptcies reporting on my credit report removed. I have sent an affidavit requesting they answer my affidavit point by point, line by line and provide proof of the verification of these dismissed bankruptcies. I have received deficient responses and an unanswered affidavit stands as truth in a court of law. Not only that Equifax removed these bankruptcies on XX/XX/2018 and then re-inserted them on XX/XX/2018, which is a violation of the FCRA, Section 611 ( B0 ( i ) A ). I received no certification of the the accuracy of this information that was re-inserted. 
I refer to the attached Equifax Credit report CHAPTER XXXX BANKRUPTCY DISMISSALS as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A,  immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.
Complaint sub-issue: Account information incorrect

XXXX XXXX  XXXX XXXX has and is reporting inaccurate information on reports from equifax, XXXX, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.
Complaint sub-issue: Funds not handled or disbursed as instructed

My direct deposit was sent to Albert Cash XXXXXXXX XXXX on XX/XX/XXXX and never posted to my account, including through the date on the deposit statement of XX/XX/XXXX. 

My employer and payroll provider both confirmed they sent the deposit per usual and it had not been returned. I confirmed both ach and account numbers as correct. 

I contacted Albert support via email, text, XXXX, and legal@albert.com for 2 days. Still no reply. 

I've asked for the amount of the direct deposit they received ( {$430.00} ) to be credited to my account while they investigate, to no avail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, Equifax and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello, ERC is reporting a collection that is unknown to me, I sent a debt validation letter dated XX/XX/XXXX to the company that was delivered on XX/XX/XXXX. This letter was sent certified mail via USPS with the following tracking number XXXX. The company did not respond to me. I sent another letter certified mail dated XX/XX/XXXX advising that I believe they have violated my rights by failing to verify a debt at my request. This letter was sent using the tracking number XXXX. To date they have not sent any information to me yet this debt is still being reported.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Complaint sub-issue: Account status

XXXX Equifax 1. The Account was Open from XX/XX/2015 to XX/XX/2015, or 3 months. 
2. Moths review shows 12 months 3. There is 12 months of incomplete and unreported Pay History on this account 4. Please verify the Open Date, Closed Date, Months Reviewed, and Payment History XXXX. 5. Either resolve the data issues on this Tradeline, or DELETE the account. 
Equifax , please do not simply delete the Pay History as doing so orphans the record, confirms its incomplete state and destroys my scores. 
Please share an updated, printed report as I do NOT agree to any electronic repors or responses other than through this portal.
Complaint sub-issue: Card opened as result of identity theft or fraud

Was notified that a credit application was put in to Discover financial services for a credit card. I called when I found this out and had the account canceled and closed this happened on XX/XX/XXXX and I found out about it on XX/XX/XXXX as well. I called to cancel everything XX/XX/XXXX, then I received the credit card and mail XX/XX/XXXX. The credit limit on the card says {$7500.00} just wanting to file a report so I can have it in my records. I have my credit file locked and did put out a fraud alert on my account. The person that put in the application used a fake email.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax explaining that someone has taken my identity and has been attempting to open accounts in my name. I did not do this & have no knowledge who did this.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I mailed a payment for $ XXXX was an official check from XXXX XXXX XXXX . Within the mailed payment I included my SSN, DOB and Name and last four of my account. As the online statement accessible to me did not provide my full account number. On XX/XX/XXXX the check was cashed by the payment processor for Macys Credit Card - Citi Bank.

I contacted Macy Credit Card Services to discuss the missing applied payment. I was told I would have to file a dispute. The gentleman avoided direct questions and was not comforting at all in regards to them losing nearly {$2000.00}. I was also told I would still need to pay the interest accrued as well as any late fee if I did not pay the XX/XX/XXXX payment. However, if they had processed my payment correctly then I would not need to pay again. He avoided response. 
He then stated it would take 21 days to resolve my complaint. I asked " Calendar Days or Business Days '' he stated on the recorded line " Calendar Days '' and then stated I needed to fax my card information and proof of the dispute. I do not have the account number and stated that to him. His response was you can " try and hopefully it works ''. 
I went ahead and faxed as I have no choice. This payment needs to reflect as I had to pay it off as a requirement to obtain my home loan. And we are now nearly a month with a missing funds. I sent the fax which I have included. And stated that 21 days for a payment dispute is unacceptable. 
Today I did a " chat '' to determine if Macys Credit Card Services received my dispute fax, with evidence that the item had been paid and the cashier check cashed. They responded back stated yes. And then stated it would take 2 billing cycles. Which is unacceptable.

After pushing back and discussing the that the initial call said 21 calendar days I was told they were misinformed as well as the initial person I filed a dispute through and that the dispute will take 21 BUSINESS Days. 

I have lost interest that I could of been paid on the XXXX. In addition I am being charged interest on the balance that they processed a payment on XX/XX/XXXX for. In addition on XX/XX/XXXX if not paid by then I will receive a late fee which is completely unacceptable. 

I mailed them the payment on XX/XX/XXXX. The received the funds of the cashier check ( official check ) on XX/XX/XXXX. It is XX/XX/XXXX and they have not provided me credit. They are still charging me interest. The have stalled my home purchase. They are now going to charge me a late fee. The customer service was poor, incorrect information given, and no clean and simple process provided.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Lost wallet during move to XXXX, Texas, Had alerts going off on XX/XX/2022 that my credit was being ran by XXXX XXXX and XXXX. I called Equifax multiple times ending in the representative saying that they can not help me. There was not verification or authorization in this process and under the FCRA laws these inquiries should be removed.
Complaint sub-issue: Received bad information about your loan

I recently learned that I should have received information about the PSLF program when I started making payments in XX/XX/XXXX on my federal student loans as I was employed in a XXXX XXXX. Unfortunately for me, I learned in XX/XX/XXXX that I needed to consolidate my loans in order to qualify for the PSLF program under a different plan ( income-based repayment plan ). I have reached out to my loan provider ( XXXX XXXX ) and searched on the Dept. of Education 's website for information on how to get those four years of payments to count towards my PSLF. However, XXXX XXXX told me that since they were not in charge of my loans prior they can't help me. Also the Dept of Ed. website gives a phone number for contact but the phone number is to XXXX XXXX. I am reaching out the CFPB because I read that other people are dealing with this same issue. Please advise.
Complaint sub-issue: Not given enough info to verify debt

my bank was levied suddenly and it was until then that I realized I had been sued. The debt was from sometime in XX/XX/XXXX-XX/XX/XXXX, the judgment was left at my mothers address, which I did use at one point as a mailing address, however, I had not received any further communication since then. I received a notice from post office for a certified letter from " XXXX & XXXX '' but it was by COD and because I did not know who that was from I did not pick up. I requested a validation of debt, they sent me the alleged creditor and amount, however, I do not recognize any of it. The alleged original amount is about {$2000.00} and now they 're saying I owe about $ XXXX. What are my rights?
Complaint sub-issue: Problem accessing account

I opened a Performance Select Checking account online on XX/XX/28 with PNC Bank. 

My opening deposit was {$2000.00}. 

Since opening the account, I have been unable to set up an online account or obtain a Debit Card. I am completely restricted from my funds.

I have called twice to either obtain online access or have them mail me a Debit card. Both times they say that I have to visit a branch, even though they have searched and found no branches within 150 miles.

I can't even get them to mail me a signature card, which they say is also needed for the account.
Complaint sub-issue: Debt was paid

Dept was paid off and I receive a letter stating the item was removed, but its still showing on my credit report as a negative inquiry
Complaint sub-issue: Information belongs to someone else

I have numerous credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.
Complaint sub-issue: Can't close your account

I have requested to close the account since there are money sitting in the account and I can not make any transfers between my banks. The whole process is already been more than a week and the account still hasn't been closed yet. Every time when I called, I was told 1-2 business days. I need to get my funds back ASAP.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove these Fraudulent Inquiries from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a promotional offer from US Bank Flex Perks Visa indicating that I could use the check enclosed and while I would be charged a 3 % of amount initial charge there would be 0 % interest charged on the amount of the check if paid off before 18 months had elasped. 

I also used the card to purchase other items. It turns out that they will not allow me to pay for the other additional items, but all payments go to the promotional amount until it is paid off. In the mean time they charge me 21 % interest on the purchased items. 

This is classical bait and switch if I have ever seen one. They should be required to live up to the promised advertizement and make seperate payments for the promotional amount and purchased items. 

As it stands, until the initial promotional loan is paid, I will be charged interest on the purchases and in my phone call with them they admitted that there isn't any way for me to pay for purchases each month seperately. 

This is false and misleading and needs to be corrected.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Have violated my rights 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not
Complaint sub-issue: Banking errors

On or about XX/XX/XXXX I was double charged by XXXX XXXX XXXX. Assured by the desk clerk that there was no confirmation number for the first transaction I added a night and performed a second transaction. On the following day I called the bank because both charges appeared they immediately credited me for the 1st transaction {$250.00}. Later that week they tool the money back. I filed a dispute on XX/XX/XXXX. They credited my account for the amount in dispute XX/XX/XXXX and then took it back a 3rd time on XX/XX/XXXX overdrafting the account!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - XXXX XXXX. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my Equifax report. A dispute was filed with Equifax directly, but it remains. 

XXXX  XXXX - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my equifax.com. 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX 3. Credit Limit of XXXX 4. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.
Complaint sub-issue: Debt is not yours

Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.
Complaint sub-issue: Account information incorrect

XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, EQUIFAX AND XXXX  )
Complaint sub-issue: Account status incorrect

Ally Bank is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. Ally also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} Ally has repeately misrepresented this account with all three credit reporting bureaus.
Complaint sub-issue: Deposits and withdrawals

My account was compromised on XX/XX/XXXX the Bank ( US Bank ) tried not to refund the money taken from my account and froze my accounts. My direct deposit was allowed to go in but I was not allowed to use any of that money therefore my bills were not being paid. I do not use credit cards so I had no other means to pay for things. The Bank was not cooperative and was rude and unsympathetic - I live thousands of miles from family so I had no one to turn to. I have since switched to XXXX XXXX but as of XX/XX/XXXX still can not withdraw my funds from US Bank
Complaint sub-issue: Charged too much interest

Hello, My name is   XXXX   XXXX   and I am contacting you on behalf of my grandmother   XXXX   XXXX   XXXX  . My grandmother is getting ready to retire and I am trying to get her finances handled and have come across some discrepancies. She has a SEARS card that she did use but stopped about 2 years ago and continued the payments as billed to her and her balance never went down. I have looked into her purchase history and nothing warranted the a approximately three thousand dollars. I believe that the interest and services fees are what kept her from minimizing the debt over the last couple years. I 'm hoping by contacting you that you can find out if there was any wrong doing over this matter. She has been for the most part a pretty loyal customer of theirs until they left the local area.
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Thank you for your time and patience,   XXXX   XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX 's client XXXX XXXX is a victim of ID theft. Her information was used to obtain medical services at various locations. She was contacted by several different collection agencies in reference to attempts to collect debt related to these services. One of these collection offices is BC Services working on behalf of XXXX XXXX. BC Services as well as XXXX XXXX have both been notified of the fraudulent nature of these accounts by way of official disputes sent both certified mail and fax. In providing the official dispute ( s ), address verification of her address at the time the services were obtained was provided showing her address DID NOT match the location for billing that was provided. BC Services failed to provide notification of receipt of dispute and attempted to collect on debt related to fraud AFTER receiving information detailing issues of my client and her ID theft situation. BC Services and XXXX XXXX are in violation of the FDCPA and FCRA.