Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

DISCOVER BANK opened a new account in my name after I disputed the charges on a card that was stolen. 

My bank and other credit card companies did the same after dissolving the fraudulent charges, but not Discover.

They are attempting to roll over the fraudulent charges to this new account. Why open a new account in the first place?

This is an unethical act on Discover 's behalf because by law I can not be held responsible for charges that I did not make.

Discover knows this, and has the responsibility of removing these charges which have been reported fraudulent. But instead they have decided to stick me with the fraudulent charges and charge me interest on the balance as well!

This is extremely illegal.
Complaint sub-issue: Their investigation did not fix an error on your report

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 investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD  XXXX XXXX CARD  XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ; XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Best Buy credit card account with Citibank.I have been a member with them since XX/XX/XXXX. I have been paying on my card and recently paid a big Chunk and paid the card off to a XXXX balance. Before this, I have noticed that when I was making payments every month. It seemed as though my balance was not decreasing the way it should have with my payments made every month. 

I made a call in XX/XX/XXXX when I noticed on my statements I have been charged every month for something called Debt protection.? I have never authorized this. When purchasing something at Best Buy they ask if you want the 18 month interest free program or pay it all and receive rewards. Never have I been late on a payment or missed any payments. Best Buy representative transfers me to this debt program. 

When speaking with the Debt program they say I signed up with them back when I opened my account. I never marked such box. Then they told me they would refund the charges back to me by mail in 30 days. 30 days go by and nothing. I call again XX/XX/XXXX. Best Buy sends me to Citibank and they tell me there's nothing they can do for me. Then once again I'm transferred to the Debt program. Who informs me again, another 30 days for them to send a letter of a refund or not. Now there story changes. I asked for proof of it saying I needed this debt protection plan. They have not provided it and keep giving me the run around. Once again telling me it will take another 30 days. When I asked why am I being charged for something every month when I have never been late or needed help paying my payments? They can't give me an answer. This is fraud!! They have been ripping me off and I have two years of statements that Best Buy would let me pull off my statements. Adding up to {$400.00} since XX/XX/XXXX. I have attached the letter they sent and some of the statements with the amounts they have pulled in the past two years. For it will not let me attach more than 10 MB. Also, I had a DVD the balance was {$10.00} and they charged me {$14.00} ( debt ) so my balance came to {$24.00}. So now I paid more to them on that balance than my dvd costed me. Sometimes they charged me almost {$30.00} a month! If you would like to see all statements please let me know if there is a way I can send all of the past two years?
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX XXXX Balance : $ - ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Public record

I disputed a judgment on my credit report with Equifax and they did not remove the judgment from my credit report. The judgment was filed in New York state and New York state law dictates that a judgment shall only be reported for 6 years. I called and spoke with the representative and he hung up on me when he was unable to resolve my issue.
Complaint sub-issue: Information belongs to someone else

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. 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Complaint sub-issue: Information is not mine

On XXXX/XXXX/XXXX my credit institution ( University XXXX XXXX XXXX via XXXX ) sent me my credit score ( Equifax XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX/XXXX/XXXX I ran a credit report and saw XXXX XXXX # XXXX ( XXXX ) listed. Balance {$4900.00}, Original Creditor : XXXX ( XXXX XXXX, Placed for collection : XXXX/XXXX/XXXX. I called the collections agency who said they had called and spoken to a " XXXX XXXX '' on XXXX/XXXX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct was in my name and same last XXXX digits of my social sec # but a different address. I then called XXXX and reported fraud/identity theft and a fraud claim was started ( reference # XXXX ) and notified the collections agency. I also submitted an identity theft claim to XXXX ( file # XXXX ) and Equifax webmail dispute online. I then called and reported this to XXXX County Sheriff 's Dept. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be reset to what it was prior to this incident. XXXX has investigated this incident and removed the fraudulent claim from my credit report on XXXX/XXXX/XXXX.
Complaint sub-issue: Information belongs to someone else

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Attempted to collect wrong amount

I am for some reason getting numorous bogus debt collection calls. Today I got a call from a company called EOS a revording played and said to call XXXX - because no one in this household has any debts - I called immediately and was asked for personal information to pull up my account. I demanded information on the company calling me and what purported debt they were collecting. I was told it was " EOS '' debt collection. When I demanded more information about the caller and company, the young woman on the phone hung up. I have been getting numerous similar calls. No one in this household has any debts, as soon as I chalkenge a caller and adk for information, these callers hang up. Pleas investigate.
Complaint sub-issue: Trouble with how payments are handled

I had questions about incorrect information I found on the National Student Loan Data System. I called my servicer, Fed Loan Servicing. The woman I spoke with told me that Fed Loan owned my loan, as opposed to merely serviced it, and that Fed Loan did not report any payments to FSA, only credit reporting agencies. I knew this was incorrect information. I asked for a supervisor and was transferred to AES. They sent me back to Fed Loan where I talked to a woman who kept interrupting me and would not let me ask any questions about my NSLDS information. She kept saying my question was about PSLF, but it was n't. I was trying to ask about my repayment history. I was not allowed to ask her any questions, I kept being cutoff mid-sentence. She refused to open up my NSLDS information and look at it with me on the phone. Finally, I let her transfer me to the division that dealt with PSLF. The man on the line told me I was at the " escalation department '' and was able to tell me that after a repayment review ( 90 days ) my information should be updated on NSLDS. This was a fairly simple answer to give, I have no idea why I had to go through all of these steps to get it. 

This whole thing took an hour. I got bad information, received rather XXXX customer service from one representative ( to put it politely ), was transferred three times, talked to four representatives, and was referred to AES -- which does not service the Federal Direct Loans I have. Overall this was a rather stark experience. I have no idea how people without a preexisting understanding of Federal Student Aid programs manage to get any accurate understanding/information about their loans.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX, Account Number : 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 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.
Complaint sub-issue: Information belongs to someone else

I have called and submitted a dispute with an agent at Equifax and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I checked my credit report and found a hard pull from XXXX XXXX XXXX XXXXXX/XX/XXXX on my Equifax report that XXXX did not authorize nor initiate. I immediately contacted XXXX and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. On XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute that day at approximately XXXX XXXX  on the grounds of fraud with Equifax XXXX Less than XXXX hours later I received a notification that the investigation was complete and the dispute denied - no action to remove the inquiry on my report. I then contacted Equifax on XX/XX/XXXX regarding the dispute and was told that I needed to contact XXXX to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted XXXX who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau. Currently, the inquiry on my credit report remains, as neither XXXX nor Equifax will take steps to rectify the fraudulent report. 

If XXXX XXXX claims they now have no record of the credit application, then Equifax should have been able to remove the inquiry after contacting the company for verification after I submitted my dispute to them. This, and the less than XXXX hour turnaround time for my dispute, clearly indicates that Equifax made no attempt to contact the furnisher and simply denied my dispute with no actual investigative effort.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?
Complaint sub-issue: Information belongs to someone else

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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. 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Account information incorrect

I have an account with US Bank and they have a late reporting on my credit report. US Bank charged me for overdraft protection that I never signed up for.
Complaint sub-issue: Public record information inaccurate

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, XXXX and Equifax. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Complaint sub-issue: Reporting company used your report improperly

Both of these accounts are fraudulent accounts which I don't recognize I try to fix this and nothing is getting done so please remove these account before I take legal matters. 
Account # XXXX Account # XXXX
Complaint sub-issue: Received bad information about your loan

This is the 3rd time I'm making an official complaint. I do hope that this is the last time I have to do this. Here is the timeline. On XX/XX/XXXX, I received an email from Fedloan stating that a new loan had been disbursed. This is odd because I've not taken out a student loan since XXXX and hadn't been enrolled in a college since XXXX. I contacted FedLoan and the school in question ( which I am not enrolled in ) and neither party could provide any specific information. I have since contacted FedLoan, the Ombudsman, and the CFPD multiple times seeking to find any information regarding a fraudulent loan placed into my credit history and have not received any documentation or reasoning. I have received a way to discharge the loan, however this does not inform me if my personal credit has been compromised, which has been one of my main issues. I'm tired of getting the run-around and do not have time to continue to get answers. I am truly fed up with this situation and am just seeking answers.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX of last year, XXXX XXXX changed credit card issuers. They changed to a company by the name of Elan Financial Services. When this change occurred I was instructed to sign up with Elan and also include my monthly auto pay feature which automatically pays my bill at the end of each month. I went online and followed the instructions. A month and half later I received a late notice that I had not paid my bill. At the same time, I received a credit report showing that my credit score had dropped from XXXX to XXXX and it was because of this supposed late payment. I called the credit card company and explained that I signed up for automatic pay, but that there website must have caused the error because I had no doubt that I signed up for auto pay. They agreed to reverse the interest and penalty charges, but they also reported to the credit agency. I called Fidelity and they said there was nothing they could do. To continue this saga, I went to XXXX in XX/XX/XXXX for 4 days. While there I tried to log onto my Fidelity account. A noticed showed on the screen that by govt regulation, I could not access my Fidelity account while in XXXX. After I returned to the XXXX, I found out that all of my accounts were frozen by Fidelity. And of course my credit card bills could not be paid on time because all of my funds were frozen. I called Fidelity and they immediately unlocked my account, but once again this hurt my credit rating and caused a lot of problems. I do n't know if freezing my account was an action taken independently by Fidelity or was mandated by the U.S govt., but I want Fidelity to intervene with the credit reporting agencies and allow me to get the good credit rating I used to have before the credit card company and Fidelity destroyed it.
Complaint sub-issue: Company closed your account

I received an email stated that my credit card account was closed by the Citi Bank due to inactivity on XX/XX/XXXX. The last time I used my Citi credit card was in XXXX XXXX, CA, on XX/XX/XXXX, which is shorter than the 24 months time frame they defined as " inactivity ''. I then started to contacted Citi Bank on XXXX, one day between XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a total of 8 times, to request to reopen my account due to the incorrect accusation on inactivity and to place the dispute that Citi Bank did not report my credit history at all ( XXXX ) to the Credit Reporting Bureau ( XX/XX/XXXX ) , which was one of the reason that they declined my previous request to reopen my credit cad account as they stated that I had no enough credit history ( Of course, because Citi Bank did not automatically report any of my  credit card activities to the Bureau as they should have ) . All of these requests and interactions were documented on their internal portal as well. However, as of today, the manager at Citi Bank still told me that they can not reopen my credit card account because Citi Bank has made the decision not to do so. I was told that, despite the status of my credit card was not in inactivity as they originally stated, Citi Bank has the right to close my credit account but no valid reason was given to me to explain about this result. My closed credit card account will be shown on my credit report as a negative record for 10 years until XXXX and I lost the access to my Citi credit card. It harms my credit score and the eligibility of my chance to get approval for credit cards in the near future.