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

I filed a complaint with the Credit Card Company and I'm including all the communication ( XXXX XXXX XXXX XXXX ) between the Credit Card Company, the Merchant and me.

In summary, there were two issues : 1. The merchant offers different advice service for the trading / investment in the stock market. The promotion of this specific service I purchased is a fraud. After 45 minutes video and long promotion the claim ( XXXX XXXX XXXX XXXX XXXX ) is " 100 % accurate in picking only winners for year-long stretches ... ''. ONLY AFTER THE CREDIT CARD PAYMENT IS PROCESSED, I had access to the transactions performed during the last two years. The accumulated TOTAL for last two years is negative in both years. I requested to cancel the service with the merchant and with the credit card the very first day, since it is clear that the service was a fraud.

2. The other issue is that I paid for a year subscription of an advice service that claims to use software that find & follow the trades of successful well renown traders as " XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX " Then, 45 days after I subscribed, they decide to CANCEL the " XXXX XXXX XXXX '' with the " XXXX XXXX XXXX '' and just transfer to OTHER ADVICE SERVICE called the XXXX XXXX XXXX  ( XXXX ). They claimed the service was similar. 
In my book if I subscribed to a service for a year and THE MERCHANT decided to discontinue that service and the client DOES NOT WANT THE ALTERNATIVE PROVIDED, simply you must be entitled to a refund for the period the service will not be provided. 

In both cases, a misleading promotion and a cancellation, the merchant did not want to return the money because according to them they have a " non refund '' policy. This is the reason why the Credit Card is based on the reasoning of the merchant ( XXXX XXXX XXXX ). It is my opinion that " non refund '' policy that does not provide the service is a steal. A credit card company must protect their clients from this type of frauds, not allow them.
Complaint sub-issue: Account status incorrect

XXXX, XXXX, Equifax all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.
Complaint sub-issue: Problem with balance transfer

Discover Card perfomed XXXX Balance Tranfers for the same XXXX XXXX Credit Card both on XX/XX/XXXXThere should have been 1 single Balance Transfer made. Additionally they charged me a fee for each bal. Transfer. When the card was rejected on XX/XX/22 making a purchase is when I found the problem. 
When I phoned Discover on XX/XX/22 I was told to contact XXXX myself to retrieve the funds, they dont handle this. XXXX informed it could take up to 30 days to issue a refund to me of any kind. I requested the process begin. When I contacted Discover back and requested a supervisor she informed me billing could have taken care of the error. I requested both fees be credited for their errors. She stated they would refund 1 fee. I'm responsible for the other. I requested both fees be credited for my inconvenience and time. XXXX the supvr refused, and when I requested to speak to her direct report she informed me she didn't have one. I contacted Corporate and spoke to XXXX XX/XX/22 who said she would investigate and get back to me. As of now, I have only double fees, balances and an inabilty to use the card due to no credit availability.
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 ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Complaint sub-issue: Used obscene/profane/abusive language

I received a threatening phone with a voice mail message on Friday, XXXX XXXX 2016. I returned the phone call and spoke with a gentleman and told him not to call my number again. The became disrespectful, and stated that I should pay my bill and that he would not respect my wishes and would/has continued to call my number. The gentleman is calling from XXXX XXXX XXXX XXXX. The gentleman is not aware of my circumstances and should n't assume that everyone 's a dead beat. When I took this loan, I had nearly a {$10000.00} annual income. I 've since fallen on hard times and barely have a roof over my head.
Complaint sub-issue: Sued w/o proper notification of suit

In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!!
Complaint sub-issue: Debt is not yours

This company keeps emailing me notice about owing money to them. They use my email address but the person they are trying to contact is not me. I tried calling them but they would not speak to me about the issue because I am not the party that they are addressing the matter to. I have repeatlly sent back their email to let them know to stop and that my email is not the correct one. Have now told them that I intend to report them. Now I am. This has been going on for over a year and I am sick of it. 

Please do something to stop them from contacting me.
Complaint sub-issue: Information belongs to someone else

This is my 6TH 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 alleged fraud or extortion.
Complaint sub-issue: Reporting company used your report improperly

I believe I may be involved in the Equifax security breach on XXXX XXXX. I will set up a fraud alert to be placed on my social security number.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Sent card you never applied for

US Bank sent me a ReliaCard that I didnt apply for.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX, has violated my consumer rights of the Fair Credit Reporting Act - FCRA under 15 U.S.C. Sec. 1681i ( a ), - XXXX XXXX  reported a debt collection on my credit report without verification / validation for two different Account Numbers : XXXX : Account number : XXXX - in the amount of {$30000.00} EQUIFAX : Account number : FINANCXXXXXXXXXX - in the amount of {$30000.00} - XXXX XXXX XXXX, did not contacted me before reporting information to the credit bureaus. 

- XXXX XXXX XXXX, has failed to provide information validating debt, written documentation, original agreement with original signature of said debt. 

- XXXX XXXX XXXX was contacted via certified letter and returned receipt ( attached ) to remove Unverified, Inaccurate, and incomplete info to credit bureaus. 

- XXXX XXXX XXXX, has persistently reported inaccurate and unverified information to credit bureaus since XX/XX/2019. 

Furthermore, 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: Their investigation did not fix an error on your report

XXXX acct # XXXX : Did not inform me ASAP about autopay rejection until I found out myself. It was only a error I made with my autopay check #. I would have resolved this immediately if I was informed ASAP. Instead 2 months without payment to XXXX happened. I paid more than the minimum payment after I found out the deficiency. 
I have since corrected the automatic payments and also decided to close the account. 

also : FICO score complaint : I applied and qualified for a " prequalifying '' for home equity ( approved for {$150000.00} ) and mortgage ( approved for {$500000.00} ) from XXXX XXXX/ XXXX XXXX because I am in a hunt for a XXXX property in Oregon . The prequalify is good for 90 days. It expired last XX/XX/2018 and so I renewed my prequalifying, which is again approved by XXXX XXXX. The thing is I still haven't haven't found a home that I want to buy but I want to be readily qualified if I find the home I like and while I still haven't found a home, my prequalifying will expire again in 90 days and everytime I renew mt prequalifying, XXXX XXXX will again recheck my credits and this in turn will bring down my credit rating? I think this is unfair and it shouldn't count against my credit rating because I have already been approved for the mortgage.
Complaint sub-issue: Problem with personal statement of dispute

I've sent three credit report disputes to XXXX, XXXX and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX {$10000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$4000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted The Bureaus to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the Bureaus, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the Bureaus, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. HoweverXX/XX/XXXXrepresentative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.
Complaint sub-issue: Banking errors

I have been having " Federal Withholding Tax '' taken out from my savings account for several times, I should not been charged this for my status as an XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Dear Equifax/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX XXXX XXXX XXXX Credit Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

After being subjected to a 3 and a half month PNC PEL loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing PNC PEL so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX  that I still owe PNC and that I have not paid them in full. and reporting that I still owe XXXX. I supplied TransUnion with a XXXX statement and they chose to ignore the amounts paid to PNC mortgage to pay them off and still reporting inaccurate information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I discovered a hard credit inquiry on my XXXX  credit report on XX/XX/2020 during a routine check with my credit consultant. On XX/XX/XXXX there was a request for my personal credit profile. I then called the headquarters of CBNA to speak to a agent to discuss the matter, it was stated to me that there was no information to provide me with that proves a application request for credit.
Complaint sub-issue: Transaction was not authorized

AFFIDAVIT OF THEFT & ROBBERY BY CONSPIRACY I, XXXX XXXX XXXX purchased a bus ticket from XXXX XXXX XXXX XXXX, location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, for {$180.00} on XX/XX/2019 with my XXXX   XXXX  Debit Card. After purchasing the ticket I became ill and could not travel. I contacted XXXX to request a refund and or a credit, and they refused both. Two days later I contacted my bank of my debit card : Comerica Bank XXXX XXXX XXXX, XXXX XXXX XXXX MC XXXX XXXX TX XXXX ( XXXX ) XXXX, I filed a dispute with the bank on XX/XX/2019 by mail and received a letter response from the bank on XX/XX/2019 informing me that they could not find an error and would not reverse the charges. I do not agree with having to pay for a product or service and not receiving the product or service. Please help me identify what authority these two entities have to not return my rights and property. 

XXXX XXXX XXXX
Complaint sub-issue: Threatened to take legal action

Left voicemail threatening arrest, then sent a collection letter trying to obtain information and requesting paying a debt that is not mine or do not owe, or is likely over XXXX years old from when I was a XXXX.
Complaint sub-issue: Problem with fees

I have a XXXX card ( XXXX XXXX XXXX XXXX ) with two lines of credit, one for in store use and the other for use wherever XXXX XXXX cards are accepted. I missed a {$5.00} payment on the card which was due XX/XX/18 for a product I ordered online at XXXX on XX/XX/18. Once I received the XX/XX/18 bill in the amount of {$7.00}, which had a {$2.00} fee included, I paid the bill on XX/XX/18 instead of on the due date of XX/XX/18. Now in XX/XX/2018, although I had no purchases on the card since the {$5.00} purchase incurred on XX/XX/18, I received another bill for a {$2.00} fee. I called XXXX and they waived the fee and the associate told me that it was interest accruing up to the date I made the payment. I do not understand how it is interest and the amount was not noted under interest, but noted under fees. Also, if I get a bill that note {$7.00} must be paid by a due date and the {$7.00} was paid by that due date, I would not expect to receive a bill in the next month for interest accrued up until the day the payment was made, unless it is stated clearly on the statement that actual amount due is greater based on interest accrued daily and to call XXXX for actual payoff amount. Otherwise, the fees will be repeated ( never ending ) each month due to daily accruing interest. I also could not figure out how they arrived at the amount for balance subject to interest. I think the statement ending XX/XX/18 was misleading and the practice of charging fees after a balance was paid on time and in full is deceptive.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXL AS and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.
Complaint sub-issue: Debt is not yours

This is not mines compant threatened to ruin my credit if i didnt pay. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Unknown Account Name EOS CCA Account # XXXX Account Type Other Collection Agencies Balance {$42.00} Past Due {$42.00} Date Opened XX/XX/2018 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
Complaint sub-issue: Old information reappears or never goes away

The need to remove XXXX XXXX from showing in my hard Inquiries It shows negatively on my credit report please remove I have no affiliation with this company. I haven't had any dealings with any card company besides my own bank since before 2015. Thank you so much for your help.