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

I purchased some furniture from XXXX prior to moving into my new place on XX/XX/2020 and I had many issues with the furniture ex : 1 inch differential between each drawer leaving a visible gap. Chips on sideboards that was damaged during setup by XXXX which is the company they use. I was refunded monies several times but Discover sent me a physical check in XXXX and than months later told me they shouldn't have sent it. So they applied the money BACK to my account. I have names of who i spoke with and after sending XXXX XXXX emails I decided i would try and let Discover resolve this. They failed me in every way possible. Especially since I was asked to send them proof that my replacement furniture was on back order for over a year. XXXX sent me an email XX/XX/XXXX stating your order is delayed and Discover still has not reversed the amount to a permanent fix. I don't know what else to do. They caused my FICO to drop over 62 points because of this issue. I need a permanent resolution, plus they are charging me interest on top of everything else! Disgusted
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX XXXX XXXX  Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019, my wife & myself, identity was stolen. our phone, email, credit, and us postal service address were involved. the hacker changed our address to a XXXX address. we have been trying since XXXX to remove this address. we start a dispute online with Equifax, and 3 days later, they say it's resolved. when we pull credit bureau, it is still on there. we have talkd with them by phone, and Equifax advises they will remove. however as of yesterday it has not been removed. 
Both Experian & XXXX XXXX have removed this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Checkr is a popular background check company used by many employers. However, each time this company pulls my background check it pulls and reports the same information to the various employers. 
As an example, I was disqualified from employment with XXXX in 2019 and earlier because of inaccurate background check information. I disputed the information with my court ordered background information indicating that this is not my criminal record and employment was offered. 
Since this time, I have applied with XXXX, XXXX, and XXXX who have all denied employment because of the same incorrect information which should have already been corrected in Checkr 's reporting system. I have resent checkr the information to correct their records. However, I am still getting denied employment.
Complaint sub-issue: Information belongs to someone else

The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX XXXX
Complaint sub-issue: Right to dispute notice not received

I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XXXX as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older XXXX through the bureau in XXXX and then this new XXXX pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old XXXX, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XXXX and report date of XXXX, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.
Complaint sub-issue: Old information reappears or never goes away

There is an account from XXXX XXXX XXXX  that is aged past 7 years and still appearing on my credit report. After numerous requests to the credit bureau on removing the account. My rights have been violated as a consumer there should not be accounts past the age of 7 years reporting on my credit reports.
Complaint sub-issue: Frequent or repeated calls

I believe the company is Elan financial services identifying themselves as XXXX on the phone XXXX ( XXXX ) XXXX and XXXX cardmember services or just cardmember services XXXX XXXX XXXX XXXX mo XXXX through the mail. Was told by a rep they were XXXX ( my bank ) until XXXX when I spoke to a supervisor about them calling me 8 times a day. Supervisor told me it was XXXX and not affiliated with XXXX in any way and that calling more then XXXX times a day was against their policy. I told them I couldnt get money in my account as my banks atm had been down for a month and I couldnt make a payment. It was fixed toward the end of XXXX and I tried to get it caught up. On XXXX XXXX the atm was robbed and completely disassembled in broad daylight. I told Elan this and was told they would just continue calling daily until I made a payment. In the past 2 months XXXX through XX/XX/2022 they dont even identify themselves anymore they call and hang up immediately. While writing this I got a call from them actually talked to someone and asked for a supervisor as I was telling her they hung up on me every time she hung up on me. This time it was on speakerphone and my fianc heard them hang up on me. Ive included the numbers they call from and pictures of the mail they have sent me on witch they are just identified as card member services.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureaus are violating XXXX XXXX of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Company closed your account

I had a deposit of {$1000.00} go through this morning at XXXX AM. I went to go use my card in the morning and it said declined tried again same thing. When I got to work I called my local branch they said that there may be a soft hold on it in fraud department and to call customer service. After spending over XXXX hours on hold Im being transferred I finally got a hold of the fraud department. They stated that they could give no further information and the car would be disconnected and hung up on me this happened twice in the matter of XXXX hours. I went into the local branch in person to verify my identity and to see what was going on. They allowed me to call from their phone in hopes to get a hold of the fraud department sooner. They didnt fact answer in that department however I received the same treatment your account is being referred to be closed we have no further information and this call will be disconnected and hung up on me. Ive looked at my account and theres no fraudulent activity, I have verified all my identification over the phone and in person multiple times today. I just called customer service again this gentleman did not hang up on me but he did say it was referred to be closed as of yesterday and a letter was sent yesterday. So if thats the case then why did my XXXX dollar deposit go through today. Now they account Is being referred to be closed and no withdraws or deposits can be made you know of course other than the XXXX dollar deposit they allowed to go in this morning. I have no access to that money no gas in my car no groceries, and I was told the letter would be sent to me and then there was no way I could get that money out in the bank and take 30 to 60 days to actually close the account at which at the end of the 60 days a check will be mailed to me for that amount {$1000.00}. I dont understand why this is happening as no one can tell me in person or on the phone and I need my money. This is very frustrating especially this time of year.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is the third attempt to fix this problem XXXX have remove these inquires Equifax refuse to adhere to FCRA guidelines.
Complaint sub-issue: Debt is not mine

My late wife who was XXXX requested an antenna from XXXX ( she was a 15 year customer ) because the reception in the apartment we lived in at the time was very poor. XXXX delivered the antenna after much hassle. My wife finally succumbed to her illness and I moved XXXX to be with my daughter 's. I canceled my XXXX phone and returned the antenna to the local XXXX store XXXX XXXX XXXX, XXXX XXXX before I left. The young lady took the antenna and wished me well. I paid my phone bill in full but XXXX kept on sending bills for the antenna. They have turned the bill over to several different collection agencies. Each one has tried to cut a deal with me. I refuse to pay for something that I returned to XXXX.
Complaint sub-issue: Information belongs to someone else

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2900.00}
Complaint sub-issue: No notice of investigation status/result

I disputed a collection with Equifax. The collection is a medical debt that ( 1 ) my insurance company has processed and authorized payment, ( 2 ) my insurance company has instructed me that under my contract I may not pay a collector, ( 3 ) is delayed because the state of Illinois has not established a budget and authorized a payments ( even though I have paid {$1400.00} for coverage every month ). The resolution was not in my favor, did not allow me to leave a statement to accompany the item, and ( most importantly ) gave me no explanation as to the basis for their conclusions ( which prevents me from adequately defending myself and protecting my credit score. ) I have dialed several customer service numbers, and get automated responses. In addition, to enter the dispute I was forced to agree to their terms that required me to agree to electronic communication only. I want to speak to a person at Equifax. If they are going to sell my information, I should have the right to speak to a person and get an explanation. My credit score was XXXX and has dropped under XXXX as a result of this collection on my credit report, resulting in significant economic loss to me. Equifax has made fairly resolving this dispute timely, difficult and confusing. I hope that the CFPB can help me clarify my rights, Equifax 's responsiblities and use this case and others like it to improve the laws to protect people from these barriers to fair treatment created by large companies in the financial industry.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my personal financial information to be stolen because they were negligent in securing this sensitive information.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ).

Instead, I receive a generic letter without any of the information requested. 
Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.
Complaint sub-issue: Information belongs to someone else

EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.
Complaint sub-issue: Investigation took more than 30 days

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX  and XXXX  have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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 : 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: Reporting company used your report improperly

An accordance with the Fair Credit Reporting act 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: Privacy issues

I reported fraudulent charges on my Citi XXXX on about XX/XX/17 while I was on vacation. These were addressed by the company, card disabled and a new card ordered and to be mailed to my home. Before the card had even been received, more fraud charges had been made with THE NEW CARD.I had not yet activated the card! I called, and of course spent HOURS gettting jerked around until I finally got a representative very fluent in XXXX in the " Fraud Dept. '' He could not understand how these latest charges occurred. Said maybe someone cloned my mobile phone and digital wallet -- I do not have a digital wallet. Anyway he passes me to someone else to rsolve things, who I had difficulty understanding, beause A she is working at home half way around the world and B her XXXX was heavily accented and her second language. Ridiculous. Dystopian. Well, she decides I need ANOTHER replacement card. Finally I told her I had had enough. COSE MY ACCOUNT. I am no expert, but please explain to me how this is NOT an internal security and privacy breech by Citi. At the very least, this needs to be mabe public and I would like a small compensation for the 4 hrs of time dealing with this mattter. Thank you. XXXX XXXX
Complaint sub-issue: Account status incorrect

I have paid off the debts and they refuse to remove from my credit.
Complaint sub-issue: Didn't receive enough information to verify debt

To whom this may concern. I sent a letter out to the Grant & Weber debt collection agency on XXXX XX/XX/2021 requesting a complete audit trail, explanation of the alleged debt that is showing on my credit report, my signature showing I gave Grant & Weber authorization to report any information on my credit report, and a signature showing that I gave them permission to have my personal information in their possession. This company failed to respond to me. I also requested an agreement that grants them the authority to collect the alleged debt from me, a copy of their state license, and the license number that gave them rights to collect in my state ( New York State ), the purchase agreement, and other things that will be listed in the attached letter I sent them. I informed them if they lacked proof that I gave them permission to use my social security number, they are committing identity theft and I will report them. At this point in time they have ignored my request, and I have not received any correspondence from them as of yet. I am requesting you contact this entity so that they will provide the documents that I requested and deleted this information from my credit report.
Complaint sub-issue: Account status

I had an XXXX on XXXX 2014. While being transported to the hospital, I did inform them that I am a XXXX Veteran, whom has VA insurance and please bill them. After leaving the hospital I found out that they billed XXXX instead of the VA leaving me with the 20 % or around {$45000.00}. My responsibility.bi tracked down the hospital business manager and explain that and even asked them yto resubmit the bills to the VA for full payments, but they have not done anything about it. Causing me to get hit with so many medical bills that have ended up with collection company and have destroyed my credit score. What should I do? Please advise ASAP and thank you in advance.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2021, I tried to purchase air tickets on the official website of XXXX XXXX, one of the world 's largest airlines. However, my city premier card was declined. I called citi, and they denied that it was their problem, because they did not see the transaction, and started to blame the merchant. This was not the first failure I had with this citi card, and they continuously blamed the merchants rather than look at their own system. I have attached the screen shot to prove that the transaction indeed was submitted to citi for process and it was citi who declined it. I would prefer to have this case escalated to the highest level such that the rights of the consumers could be protected. Thanks.
Complaint sub-issue: Banking errors

On XX/XX/XXXX I wrote a check for {$670.00} even. The very next day looking at my bank account I noticed a withdraw of {$970.00}. The check clearly was written out for {$670.00} both numerically and with the write grammar of XXXX XXXX seventy-five dollars. ON XX/XX/XXXX I called customer service at US Bank to confront the issue. I was first told a supervisor would need to investigate and get back to me with in 3 days. That never happened so on XX/XX/XXXX. I called again looking for a solution where another customer service agent informed me that a XXXX will need to file a claim. I waited a week and around XX/XX/XXXX. I called yet again only to discover the claim had not been processed accurately. Therefore no claim was set up. I am still owed {$300.00} dollars. I called XX/XX/XXXX and this time a claim was filed via claim # XXXX. I was told it could take XXXX to XXXX business days to resolve. Today XX/XX/XXXX I called again and was told the claim is still in process and yet again without {$300.00} owed to me. I don't understand how hard this is to resolved which was clearly a teller error or computer error. Please help resolve
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Someone authorized herself as an extension user of my discover card and she change my address on file, email and phone number so I wont know but I found it out too. From  XXXX   XXXX  to  XXXX   XXXX ,    2016  she spent like {$5900.00} in a short time.  Discover card determined that there is no fraud in the accout. Im complaining the Discover car d. The same person also open a a  XXXX  CC last  XXXX  and steal all my info but the  XXXX  Cc accept the dispute right away because it 's clear to them that it is fraud.