Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was retreated extremely unfairly by Discover Card and one of their representatives. 

After XXXX  on XX/XX/XXXX, my entire wallet went missing from my purse while I was out with friends. Inside of my wallet, I had my Discover Card, XXXX XXXX, an old school ID, my driver 's license, my insurance cards, my XXXX  debit card ( which wasn't activated ). I also had a metrocard in there, along with some business cards and some receipts. 

On XX/XX/XXXX at XXXX, I received a fraud alert from XXXX XXXX a charge of {$920.00} was attempted on my account at a money transferring service called " XXXX XXXX XXXX '' - I immediately reported it fraud and checked on my Discover Card as well. Sure enough, there is a temp auth of the same mount, {$920.00} on my Discover card. I immediately logged into my Discover account via the mobile app to freeze the account so that the perp can not make any more charges and called Discover Card. I was on hold for a very very very long time before getting someone - I would say 40 minutes or so. When I finally got someone they told me I wasn't liable for the charge- whew! 

On XX/XX/XXXX, I looked at the Discover statement, and the charge was back on my account! I called them and spoke with a " securities '' rep. She berated me and basically told me that they have determined that this was not fraud, that the merchant supplied my phone number and email address, and questioned me in a condescending tone, " well, if you didn't make this charge, then how could they have your email and phone number?? '' I was shell shocked at that moment! I felt violated both by the perp having access to my personal information and also feeling like I was being interrogated by my own bank representative. She also questioned why I didn't file a police report, and that this whole thing seems odd and suspicious coming from my end. In retrospect, YOU are the fraud department - YOU TELL ME how the perp got my personal info!! 

Discover rep also questioned why it took me over 30 minutes between freezing my account online and reporting this fraud -- really??? If you didn't have that hold time, I wouldn't need to have waited over 30 minutes! I alerted Discover of this IMMEDIATELY hoping they would block the charge from coming in and was on hold! 


I have been a Discover card customer since XXXX - for 17 years! I believe I had this particular card since XXXX. I also have a savings account, checking account, a CD and an IRA with them. For a loyal customer of 17 years who has never filed fraud before, this is how they MISTREATED me. 

The Discover rep also told me that they sent letters to me during their " investigation '' - I never received a single letter of trying to get in touch with me. However, despite not receiving any letter regarding the investigation, I sure received a letter about closing my complaint that says " Upon reviewing the facts of the case, it has been determined that no fraud occurred on your account. You will be responsible for the entire balance on the account ''
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax, disputed credit inquires at XXXX and by XXXX XXXX  the next XXXX  had results. This was not investigated properly. Now these items will remain for 2 more years
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not provide me a notice at all, especially within 5 days of changing my late payment history I disputed in early this year. My dispute asked them to update all late payments regarding BOTH of my DEPTEDXXXX accounts. They updated all late payments to paid as agreed and then they switched it back to late payments. This is violation of the FCRA. Additionally, XXXX is being shown as a collection that was last reported on XX/XX/2017. This indicates that they did not investigate after I submitted my dispute.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Complaint sub-issue: Information belongs to someone else

XXXX/XXXX XXXX I have disputed the educational loan XXXX/XXXX   XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Complaint sub-issue: Their investigation did not fix an error on your report

I sent reports to Equifax, XXXX and XXXX. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Information is not mine

There has been an bankrupty on my account that keeps updating ive went to coweta court house in gotton paper work showing debt was discharged there was never a bankrupty that was taking place nor have i ever went to court for this case. I will like for this iteam to be removed i have all docm. if needed
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/19, I ordered our free annual credit reports from all credit reporting agencies. We received our XXXX  reports within 7 days, XXXX   followed 2 days later. We have not received our Equifax reports. We did not receive Our Equifax reports last year but decided not to make it an issue. Contacting Equifax without a report # is impossible. Tried to re-order but denied because we already ordered them. 

We want our free reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX  account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXX. We are looking to purchase a house and this is holding us back. Thank you!!
Complaint sub-issue: Old information reappears or never goes away

I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.
Complaint sub-issue: Unable to open an account

XX/XX/2022 I was sent mail stating an attempt to open an account in my name was unsuccessful. 

XX/XX/2022 I contacted US Bank and they confirmed the fraud and directed me to place a fraud alert with the credit bureaus and the FTC
Complaint sub-issue: Didn't receive notice of right to dispute

EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
Complaint sub-issue: Was not notified of investigation status or results

It has been 270 days of me going back in fourth with Equifax on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my mental health. I know Equifax has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.
Complaint sub-issue: Denied request to lower payments

I contacted Flagship Credit Acceptance on XXXX, XXXX XXXX and put in a request to voluntary Surrender my XXXX XXXX XXXX. After, speaking to the Flagship representative I was told a supervisor would give me a call back within 72 hours. I waited until Friday XXXX, XXXX XXXX and spoke to a male representative and explained my situation. I was then placed on hold and was told the representative I spoke with on the XXXX of XXXX took down the information incorrectly and he would update my information and a supervisor would call me back within 48hours and/or Monday. I waited until Tuesday, XX/XX/XXXX and spoke XXXX, another representative who placed me on hold twice while she spoke to the supervisor. XXXX, then stated that a supervisor will give me a call back, and she do apologies for the lack of communication. I stated to XXXX just as I did with the other callers that I'm turning in the plates and I reside in a Apartment Complex and do not have the space to put the vehicle once the plates is removed. XXXX the representative from Flagship stated the she would document everything XXXX telling her for a supervisor to give me a call back. Today is XX/XX/XXXX, I called Flagship and spoke to XXXX another Flagship representative at XXXX and requested to speak to a supervisor after once again explaining my issue since XX/XX/XXXX as usual I was placed on hold. A supervisor by the name of XXXX XXXX came on the phone at XXXX and ask me if I can sell the vehicle or would I like to have the payments lowered because I'm currently 9 days past due. I told him no, no one wants to buy it due to the interest rate and I've been dealing with this since XX/XX/XXXX. Mr. XXXX then stated he would mail the Voluntary Surrender Waiver forms out to my phsyical address.
Complaint sub-issue: Didn't receive notice of right to dispute

I was alerted via XXXX that this company listed my an account with my information under collections.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of Equifax, XXXX and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I learned about the Equifax data breach on the morning of Friday, XXXX XXXX, 2017 and immediately accessed the Equifax website launched for this incident, www.equifaxsecurity2017.com, to find more information. Unfortunately, when trying to find information on my status, if I had been affected, Equifax stated that 'I may have been affected ' and instead tried to make me enroll in a 'complimentary ' XXXX security protection service to find out. After reviewing the terms and conditions, XXXX XXXX XXXX I concluded that by enrolling in the XXXX program, Equifax would not be liable if there were any indiscretions on their behalf that would affect me.
Upon learning this, I called the Equifax Response Line at ( XXXX ) XXXX at XXXX  EST. I was prompted to wait on hold for 20 minutes " for questions about the incident ''. I was finally connected with a representative who did not give their name and who did not ask for mine either. When asked how I can find out if I could they could disclose information about my status with their data breach, the representative then tried to enroll me in XXXX - without answering my question. When asked if there was another way I could find more information on this matter, the representative stated, " I do n't even have a manager you could speak with, I 'm just here to enroll people. '' It is incredibly irresponsible and abusive of Equifax to not only deny consumers the right to know the status of their personal information but to also try to exempt themselves as a company from being liable for a breach they are ultimately responsible for. Consumers should not have to sign away their right to respond to security negligence just to access their own information.
Finally, as I was writing this complaint, I tried to call the Equifax Response Line at ( XXXX ) XXXX in hopes of getting more information but was hung up on while on hold - not once, but twice.
Complaint sub-issue: Problem with personal statement of dispute

Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Owed : {$17000.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Owed : {$0.00} XXXXF XXXX Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Owed : {$930.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX APARTMENTS XXXX ) XXXX Owed : {$3000.00} XXXX XXXX COLLECTION ( XXXX XXXX XXXX ) XXXX Owed : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Owed : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX Owed : {$4100.00}
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Investigation took more than 30 days

They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.
Complaint sub-issue: Contacted employer after asked not to

This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and XXXX these people are making it difficult to function for my children. Please help me.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and saw fraudulent accounts. I been making multiple attempts to contact hem they 're constantly changing there point of contact which is making it had to contact them. Meanwhile, they are reporting inaccurate accounts with proper validation and in violation of section 609 of the Fair debt collecting Act.
Complaint sub-issue: Billing problem

i have a loan with ally on a XXXX  and during covid time i was a little lat on my payment and they were trying to charge me late fee 's ..at that time by law no financial institute were allowed to charge fee 's!!! and when i called about the issue they were not cooperating and it got worse from that point on ... they kept trying to give me financial assistance Repeatedly!!! I asked for a manager that took me months to reach and was told it was going to be resolved it just got worse!!! so at this time i am in the market to buy a home and they are holding me XXXX giving a bad credit report .. now when i tried to really get this problem fixed i was put through ringer.. there were times that i was on the phone for hrs at a time and were being laughed at from foreign worker 's times when they would say to me we cant hear you and also they left me on the phone for hrs ... and at some point they would hang up on me... so in my complaint i requested all the phone recordings because every phone conversation was being recorded ... as of today they did not send me my REQUEST .. nor are they going to due so. at this point they keep sending my monthly statement late i never get my paper statement on time to pay so i am not late.. they want to pay electronically and i refused to for security reasons...
Complaint sub-issue: Information belongs to someone else

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft, People have use my information to open them, I am requesting that those charges be removed
Complaint sub-issue: Investigation took more than 30 days

Progressive Management is reporting a medical debt of {$76.00} on my credit report. I have sent a request to have a verification and validation of that so called medical debt. The letter was received by the company on XX/XX/2019 as per my return slip and as of today XX/XX/2019, I have not had any response from the company yet its still being reported. 

As this is a medical debt showing I am really concerned over my HIPAA violation and would have loved to have this validated. I am requesting that this company stop reporting this debt as they have not been able to validate or verify as per my first request.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

fraudulent and unauthorized inquiries on my report