Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.
Complaint sub-issue: Information belongs to someone else

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard inquiries XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

I received a letter dated for XX/XX/XXXX from : XXXX XXXX XXXX XXXX stating I owe a debt that was already disputed and removed from all credit bureaus wrongfully reported by XXXX XXXX XXXX on XX/XX/XXXX. 
I immediately within 24 hours sent this current company a certified letter requesting a complete Validation and NOT Verification.

I then received and additional notification three days later requesting payment for a unverified debt from XXXX XXXX XXXX XXXX without a specific date letter was produced. 

I am requesting that XXXX XXXX XXXX XXXX. Provide me with the original bill and not a bill designed by their standards. Please provide the Original billing documents uploaded on the CFPB platform for review. 

I repeat, do not send to my address, please upload on this website for review.
Complaint sub-issue: Account status

We moved in XXXX of 2014 to XXXX from XXXX. XXXX transferred services to our new home which created a new account number. The bill from the XXXX account was never sent to new home address. We became delinquent on the old account without knowing it. We finally received notification of delinquency this month and have paid the balance in full. We are requesting to have the delinquency removed since it we were not receiving bills.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

N n accordance with the Fair Credit Reporting act the following Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Threatened or suggested your credit would be damaged

In 2019 I got married and moved from XXXX SC to XXXX SC. I paid everything that I owed XXXX  and closed my account. After the move I was contacted by XXXX about equipment and I asked for a return label and was provided one. I took all of the equipment that belonged to XXXX  to the XXXX Store in XXXX SC and returned it as directed. AFTER all of the equipment was returned to XXXX  they then charged me for the equipment, " NOT BEFORE " or did they even mention a charge until after the return was made. I refused to pay for equipment that I had already returned and they turned me into a collection agency and it has negatively effected my credit report in which is otherwise perfect. I have tried to call XXXX  to discuss this issue and they will not take my call because " I do not have an active account " with them. I have contacted IC Systems Collections and explained and " it has been disputed " with them. I have also " disputed " this with XXXX  without any results. Please stop XXXX  from negatively effecting my credit report without due cause.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On or around XX/XX/2019, and entity created an account with Credit Karma, using my SSN and name, to gain access to my credit report/history. Then subsequently begin attempting to open credit card accouts with that information. 

I can not login to Credit Karma using my own SSN as a fraudulent account already exist with a fraudulent email address. Credit Karma has not fraud line or phone number of any kind for anybody. They handle ALL support related issue via one automated email account : support@creditkarma.com.  They are know to be very unresponsive via the portal of communication, weeks and months. For a credit reporting entity this is completely incomprehensible and downright negligent/incompentant. 

Timing is of the essence with ID Theft, at this point, this has a continueal portal to review my credit, my accouts, everything. And I seemingly have no recourse to resolve this with Credit Karma.
Complaint sub-issue: Account information incorrect

On XX/XX/17 my XXXX XXXX collection account balance was settled in full with EOS CCA, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and XXXX records are still reflecting a {$2500.00} balance owed. I contacted EOS to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from EOS CCA ( password XXXX ) and letters to XXXX ( local and national ) are attached.
Complaint sub-issue: Investigation took more than 30 days

Again I have issues with XXXX XXXX and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX  and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from XXXX call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding EQUIFAX. 

I have repeatedly asked EQUIFAX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from XXXX XXXX XXXX. EQUIFAX has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with XXXX XXXX XXXX. 

I DEMAND EQUIFAX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from XXXX XXXX XXXX on MULTIPLE occassions with NO response.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) POB XXXX XXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was XXXX after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to XXXX XXXX. The first XXXX  as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these XXXX accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. Equifax never sent me a letter of reinsertion to explain why. I disputed again and Equifax deleted it but then allows it to appear again every month. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Complaint sub-issue: Their investigation did not fix an error on your report

On my XXXX  credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX credit report as well as Equifax has removed XXXX/XXXX  from my Equifax Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on Equifax Credit report and XXXX Credit Report there is incorrect payment history on my XXXX  Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys XXXX  and Equifax need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a XXXX XXXX XXXX XXXX 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 Balance : {$610.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Reference : XXXX XXXX XXXX ; The above XXXX account was disputed with XXXX XXXX and closed in XX/XX/XXXX due to unreturned equipment. 

I contacted XXXX XXXX in XX/XX/XXXX and explained I had left a violent and potentially dangerous situation and could not return to that apartment to retrieve the equipment. However, I explained that they have a tech office 0.3 miles from the apartment and there were XXXX XXXX techs in the complex almost daily, so if they would send a tech to retrieve the equipment it would be surrendered without any incident or threat of any violence. My initial request to have the equipment returned was denied, as I was told " they don't pick up equipment. '' I requested an appeal with XXXX XXXX where I pleaded my case over a recording with a representative from XXXX. My recorded appeal was denied by XXXX and I was told they do not pick up equipment under any circumstances. Having no other alternatives, my account was closed and placed in a collections status as of XX/XX/XXXX, and I accepted the damage to my credit rating. 

But now in an apparent attempt to further damage my credit rating and extend/bypass the statute of limitations, XXXX XXXX and XXXX XXXX XXXX has fraudulently reported the debt as being closed TWO YEARS LATER in XX/XX/XXXX.
Complaint sub-issue: Indicated you were committing crime by not paying debt

Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on
Complaint sub-issue: Investigation took more than 30 days

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Complaint sub-issue: Information belongs to someone else

on XXXX the XXXX I XXXX XXXX sent all the proper paperwork that credit bureau ask for and they still haven't remove all the accounts.
Complaint sub-issue: Overcharged for something you did purchase with the card

Citibank is giving me a hard time to file a dispute against a merchant, XXXX travel that double charged XXXX me for a service on XX/XX/22. I first filed the dispute online but the website didnt provide me the right option for the type of dispute I wanted to file and so I withdrew that dispute since it was not accurate. I tried to file another one online but the system wouldnt let me. I called citicards customer service and they supposedly filed the dispute manually for me and told me I should receive a temporary credit for the XXXX while they investigate. After not receiving the temporary credit, I called them again today XXXX, and I had to ask for a supervisor since the first person had no idea what I was talking about. The supervisor supposedly told me that they had to file it manually on their system under the following dispute number : XXXX, and that I have to wait 15 business days for a resolution and that they wont provide me any temporary credit because they had to do it manually.
Complaint sub-issue: Reporting company used your report improperly

Under 16 CFR 433.1-Business Arrangement and Contract 15 USC 1684-XXXX Liability 15 USC 1692 ( b ) -Permissible purpose The Company disclosed my account information without my permission and/or consent ; there is no Contract andor Business Arrangement ; In turn, testifying false and misleading formation, which I did not give nor gave them any permission to report. Creating an adverse action affecting my credit file in a negative way. There is no Contract or Business Arrangement. I seek all damages and remedies applicable to this issue.
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for a new cash rewards card with PNC months ago and was suppose to receive a bonus of XXXX dollars when I spent 1000 or more total in three billing cycles. I called PNC numerous times and was asssured I had met this just keep using the card and was just taking sometime. Finally it reach where it was was taken to their complaint department after calling again who called me back recently telling me they dont have any promotions for XXXX dollars back yet its clear as day they do and is posted online still today. So in the response submitted to the CFPB I ask PNC provide all promotions offeres in the last year to current. Furthermore, failing to provide the advertised promotions is possibly a direct violation of unfair predatory banking practices and possible violations to consumers protection acts and the Dodd Frank Acts. Many new accounts were opened with PNC and people arent getting what was advertized which is not only unfair to consumers but other big banks like XXXX and XXXX  XXXX XXXX who have honored their promotions and agreements with consumers.