Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I booked my yearly vacation with XXXX on XX/XX/XXXX. Within twenty minutes, XXXX charged me twice for the same trip and when calling them they indicated a glitch in their system and they credited me for the 2nd charge. This was fine and I planned to continue with my trip. On XX/XX/XXXX, I received an email from XXXX indicating that they canceled my trip and that they were not in a position to offer refunds, so I must contact my bank or credit card to pursue other options. On XX/XX/XXXX, I contacted XXXX  Citi card to file a dispute for three items associated with this trip ; the XXXX XXXX charge, the XXXX resort fee and the XXXX baggage fee that i purchased a week later. 

Citi provided a credit for my XXXX baggage fee of {$180.00} relatively quickly. About a month later I received a credit for the XXXX airfare charge. Finally, on XX/XX/XXXX I get a credit for the larger XXXX resort fee. However, on XX/XX/XXXX, i get a notice indicating they took that away because I already received the credit back in XXXX. I called again on XX/XX/XXXX and spoke with two individuals and explained that the original credit in XXXX was for being double charged with my initial booking. Both individuals agreed with this statement and I should get the chargeback removed and my initial credit ruling in my favor should stand. 

On XX/XX/XXXX, still no resolution. I can not begin to tell you how many hours I've spent on hold and talking to multiple individuals. I've also received notices that contradict one another. This has been the most frustrating experience of my life. This was filed for services not rendered and every single time I've called, I've had to repeat the same scenario over and over again. They all knew that bookit charged me twice for my trip and the credits in XXXX were to resolve XXXX alleged " computer glitch '' which caused it to be charged twice. 

This is almost {$1300.00} and I've already provided half back to my travel companion when it was ruled in my favor on XX/XX/XXXX.
Complaint sub-issue: Problem with fees

I signed up with AAdvantage Citi Card executive because I was on an XXXX  Flight and the flight attendant said they had a great promotion going on and what caught my attention was 2 things, I would get access to admiral club and I would not have to pay the {$450.00} fee because I am in the military. So I signed up. Shortly after I still got charged and tried to fight it and gave all the supporting documents, but they said the flight attendant was wrong and they do not waive the fee. They said I have until XX/XX/2020 to change to a none fee credit card so I do not get charged again. What is even worse I could not even use the services I paid for because they shut down the clubs. I switched the cards as I was instructed and they charged me again another {$450.00}! A total of XXXX and I still can not use any of the services even though I did not agree to it. I already paid the {$450.00} once I will not pay it again.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX   credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Complaint sub-issue: Reporting company used your report improperly

My protection 's privileges have been penetrated and intruded by Equifax which is an immediate violation of federal law. Equifax reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Complaint sub-issue: Didn't receive terms that were advertised

Hello, Writing a synopsis to request CFPB step in and protect a consumer from wrong doing by Citibank. I opened 3 new accounts at Citibank as a new customer. There was a 1Q 2021 Citi Personal Wealth Management Promotion of {$500.00} that I qualified for as a new customer. I have confirmed with Citibank that I met all the requirements and also confirmed on my own research and documentation provided at the time of the account opening that I met the criteria. In no less than 8 times calling Citibank to resolve this issue, I have received multiple misrepresentations of what the issue is and have opened cases ( XXXX and another one still open ) to have " back office '' people try to resolve. I have response letters mailed to me that provide a generic denial with no meaningful support of why it can not be resolved per the advertised promotion. 
Best Regards, XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK Account XXXX XXXX, XXXX XXXX Account XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX ; ph : XXXX. 
XXXX ; XXXX. 
XXXX XXXX ; XXXX. 
XXXX XXXX  ; address : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX XXXX  ; ph : XXXX. 
XXXX XXXX XXXX ; XXXX. 
XXXX XXXX ph:XXXX.

jpmcb XXXX XXXX ph:XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX  LISTING ON MY REPORT WHICH IS WRONG
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I rented a car, paid for the rental. A week after the car was returned and checked in with no issues, the rental car company charged the card again for a new transaction for {$110.00}. I tried multiple times to resolve this with Citi, but no one even looked at my complaint. The rental car company provided proof that I ordered and paid for the rental car, which was the authorized transaction not in dispute. They provided ZERO evidence that a second transaction was authorized on a different day or that this charge was valid under the previous contract, which was closed at the time of the charge. This additional unauthorized charge was fraud committed by XXXX. I later found out they have a horrible reputation for doing this. Citi made no attempt to communicate any reasoning behind why they kept refusing to honor my fraud claim. Very poor customer service and a joke of a dispute process.
Complaint sub-issue: Investigation took more than 30 days

There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.
Complaint sub-issue: Didn't receive services that were advertised

On XXXX XXXX I heard about the Equifax Hack. I had purchased a home last year and this company was on the report from my bank. I then by day 's end had gotten on to the Equifax website and went through the steps to determine if I was effected. I found under that I was. I then signed up for the free 1 year term of trustedid.com. 8 days later I was alerted about an inquiry on my credit. I tried contacting Equifax and spent XXXX hours on hold with their consumer affairs department. 3 days later a personal line of credit was taken out in my name in the sum of {$3000.00}. Again I immediately tried contacting Equifax and had spent a total of XXXX hours on the phone with many departments to never actually get to talk to anyone that could help me. I then put a freez on my credit with XXXX and XXXX. Spoke to XXXX they actually told the proper steps to make sure my credit was frozen on their website as well. Equifax and their employees should be erased from the credit world.
Complaint sub-issue: Attempted to collect wrong amount

This complaint is in regards to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - XXXX XXXX : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX XXXX XXXX XXXX filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.
Complaint sub-issue: Information belongs to someone else

Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that IC SYSTEM the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act - XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my writing instructions
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2020 I have requested XXXX to delete the account in question because of the wrongful reporting. XXXX is still reporting a Chargeoff account with a balance from XXXX XXXX XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.
Complaint sub-issue: Didn't receive advertised or promotional terms

RE : CITIBANK  CARD  XXXX   XXXX   XXXX   XXXX  I saw, online, a promotion that would return {$300.00} if one spent {$1000.00} in 90 days. I received the card and spent {$1000.00} in 30 days. CITI tells me that that offer was only valid if CITI solicited for you to take it. Advertising something online sounds like a solicitation to me. CITI says it will give me {$300.00} if I spend {$3000.00} in 90 days. Pompous, hostile and unacceptable is this  50o0 LB Gorillas  stance. I wrote t o CITI and received, about 2 we eks ago, a call from the Exec office telling me they would deal with the problem by the  XX/XX/XXXX . Unsurprisingly, I have not heard from them. It would appear that I must have made this offer up from CITI 's viewpoint.
Complaint sub-issue: Investigation took more than 30 days

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my XXXX  XXXX time to see what I qualified for. But instead they ran my credit XXXX times with multiple banks. This reflects on my XXXX, Equifax and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with XXXX inquiries which i can't removed from my report. This is also reflected on my XXXX, Equifax and XXXX reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was XXXX XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of XXXX inquiries when i only own XXXX vehicles. 

XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

FedLoan Servicing is continuing to report late payments during XXXX in all student loans prior to 2022 ( Account # XXXX ). There were never ANY late payments on either account, ever, and in addition, per 15 U.S. Code 1666 - 1666 ( j ) There were not any approvals, or permissions to report such erroneous findings. This has defamed my character and caused additional mental and physical adversities and hardships. 

My address is also being reported incorrectly.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX  XXXX- {$280.00} )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : CIG FINCL  XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Sallie Mae has called me over a dozen times in the past 6 months trying to get a hold of my son. He owes them money, not me. I am not on the loan in any way, nor am I a cosigner. They are not only contacting me they are contacting all my relatives as well who do not even know how to get a hold of my son. I have asked them repeatedly to stop calling me or anyone in my family. The only people they should be contacting is my son or his mother who did cosign the loan. I have given them both my sons and ex-wife 's contact information, but since they are not responding they keep calling me. There is nothing I can do for them and even though I have asked for them to stop calling me they continue to do so. This is harassment at this point. There is nothing I can do for them. 
They called me XX/XX/XXXX, XX/XX/XXXX and just again now on the XX/XX/XXXX. I have blocked their # however it allows it to still go to voicemail. They have used different # 's in the past as well to get around the fact I have blocked them.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. REMOVE IT ASAP.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I forwarded a letter to the Equifax Credit Bureau dated XX/XX/2022 to DELETE this erroneous information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}