Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

My mother had a discovercard account beginning approximately early XXXX and defaulted in early XXXX. During that time, i was issued a card as an authorized user in XX/XX/XXXX just a few months away from the default date. When I was issued a card in late XXXX the account was almost maxed out to the credit limit. 

Once the account was defaulted, DiscoverCard begun this bogus claim that the account was a joint account. DiscoverCard forwarded the default account to their collection agency/attorney firm in XXXX NC and they filed suit against me and my mother for the entire amount that was in default even though it was known and obvious i could of not been responsible for the charges by date and when I became an authorized user. I could not attend the court proceeding so a judgement was entered against me. 

Also, during this time, since approx XXXX during the default period, DiscoverCard has constantly reported to the credit bureaus for several years derogatory information such as this was a joint account, and that i owed this money. Clearly untrue. Clearly invalid. Clearly deceptive. 

I have been damaged all these years by DiscoverCards malicious and deceptive behavior. And I deserver compensation for these damages.

For years i have requested including the credit bureaus, signed agreements, signed contracts, signed application for credit, and to date DiscoverCArd will not, because they can not, provide such documents because i was an authorized user only ; But, Discovercard was deceptive in pursuing me for this outstanding debt, and they are liable for all the damages caused from such deceptive behavior.

I demand a response to this complaint and compensation from DiscoverCard or I am hiring lawyers to sue DiscoverCard for this deceptive behavior that has gone on for years, causing me years of damage.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 and XX/XX/2022 I sent to the Collection Agency PROCOLLECT , INC letters informing them of my series of unfortunate events that had taken place without my knowledge. I had been defrauded and taken advantage of by an unknown assailant and this is what I explained to PROCOLLECT , INC via letters on several different occasions. In these letters I sent to PROCOLLECT , INC I had included laws, dates important to the theft, an FTC Report as well as other explanations to support my claims. After all of my efforts and time spent trying to rectify what has happen to me unlawfully I am still being negated and I feel not taken seriously. I demand the crime I have been victimized by be given the proper consideration. see attachments for proof of claim, proof of Identity, as well as proof of current address on my Drivers License and this will have to suffice because I have no bills or mail at the moment.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 90 days late payment on XX/XX/2019 - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Investigation took more than 30 days

I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
Complaint sub-issue: Information belongs to someone else

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOE/XXXX XXXX {$81000.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

Hi, i bought a house last year and i decided to apply for a home depot line of credit due to a major remodeling i was doing in my house. When i spoke to clerk in charge of the store 's customer service department, i told them what i needed, which was a credit line in which i could get all the materials in a matter of 2 weeks or 3 weeks. Based on my needs they recommend a " project loan '' which had a set interest rate ( 7.99 % ) for a period of 72 months for the amount i requested ( it was XXXX ). Because of my credit history i got a approved right away, they gave me a slip with the amount approved and my account number so i could purchase all the materials and i could take home. 
After about a month or so i used all my credit line ( which i planned from the beginning ) but the bills started coming with different rates, promotions for some purchases which were going to finish in 24 months, some in 12 months. I went back to Home Depot to ask the manager on what is going on and they were sending me back to call credit service ; then i called credit services y then they sent me back to home depot store. 
I called credit services one final time and i took my complaint to the highest rank in the chain and they told me that there is nothing they can do because it was the customer service clerk that sign me up for a store credit card but no for the project loan which had a different interest rate. 
i dont know where to go, who to complain. They basically are " washing their hands '' on the issue that a clerk from the store signed me up for the wrong credit line, they claimed i acknowledged it because i was continue paying my bills ( my husband was paying the bills at the time before leaving for XXXX and i did not realize i was put in the incorrect credit line for months ) and even after explaining this to the credit services, they took sides with the store clerk instead of taking my word. They just told me theres nothing they could do about it. 
I am stock paying ( i would like to stop paying them but it would ruin my credit history which has been implacable ) bills i did not signed up for.
Complaint sub-issue: Investigation took more than 30 days

I am attaching the letter my wife and I sent to the credit bureaus back in XX/XX/XXXX. More four months have passed, and we have not heard anything back from them.
Complaint sub-issue: Inadequate help over the phone

A few months ago I had some issues with XXXX XXXX XXXX XXXX repporting XXXX delinquencies to the credit bureau. At the time it had affected my credit significantly since than negative reporting has been removed but my credit has never recovered since than. I have had XXXX XXXX remove an account reporting delinquent completely from the credit report only to be reported by a collection agency. That is incorrect. The last issue is that XXXX XXXX XXXX has falsely reported me for non payment and my insurance on the credit card made a payment for me towards the bill and XXXX XXXX XXXX is alleging that was applied as a credit and they are malesly reporting me for a 30 day 60 day and 90 day. all of which are incorrect. Ever since the XXXX XXXX XXXX XXXX issue my credit was never rescored.
Complaint sub-issue: Debt is not yours

ATG Credit has made 5 false entries on my credit report for accounts that are not mine. I do NOT owe them, nor the original creditor anything. 

I sent them a letter on XX/XX/2018 asking for the following : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Additionally, I also requested that no telephone contact be made by them to my home or my place of employment and they are calling my daily at work and home regarding a debt I do NOT owe. 

Also -- please note they have 30 days from the date of my request to provide validation per the FCRA which has long since passed. I sent it certified mail so I know they did receive it.
Complaint sub-issue: Didn't receive services that were advertised

I signed up with XXXX XXXX years ago. I have been a victim of false advertisement on numerous occasions. I was told I had a pre approval based on my credit ; just to get denied for credit cards or a loan.
Complaint sub-issue: Information belongs to someone else

XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas XXXX  and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. What this company is doing to consumers is unlawful. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them. I want to sue them for financial damages
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Complaint sub-issue: Reporting company used your report improperly

n 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: Was not notified of investigation status or results

I received three emails from Equifax on XX/XX/2019, saying my disputes are done. When I only dispute two things on my credit report, which were only XXXX XXXX and XXXX XXXX. I went online to access my credit report and they told me that I am still answering the wrong questions on my credit report. So what is not right on my credit report if things on there which are not me. The next page said I need more information. Which Equifax has a copy of my light bill, my driver license, and a copy of my social security card, which I sent this last month. I can not see my credit report credit to see or what Equifax is doing without my permission. I am NOT allowed to access my own credit report and see what is going on. Equifax is blocking me from seeing my own credit report and I requested at the beginning of this month to receive a copy of my credit report. This is not right what Equifax is doing to me when everything in the United States is base on your credit. Now Equifax is not letting me see my credit report at all. 

Here is the copy of the emails Equifax sent me this morning : Dear XXXX This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 

Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 


Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now!

You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 24 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is continuing to report XXXXXXXX XXXX on my credit after I provided information from XXXXXXXX XXXX and their affiliates that states they will not report to credit bureau. I spoke with XXXX XXXX and they advised they would not report to credit bureau. I asked could they send me something in writing. They did. And I sent that to Equifax and Equifax will not remove. They are stating the company is continuing to report which is not true as seen in the letter. Equifax is violating my rights under the fair credit reporting act by continuing to allow this on my credit without verifying and processing my dispute. They simply close my dispute without looking at the documents.
Complaint sub-issue: Personal information incorrect

I previously sent three  update letters to all three credit bureaus, which are XXXX  XXXX  and Equifax. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item below to be incorrect. 

1. Account was closed and transferred to another provider paid in full XXXX XXXX Account Number : XXXX This account was on an agreed payment plan after being closed and transferred to another wireless provider by me. This item was paid in full and not a charge off or collection as per a pre-arranged payment agreement with the creditor. 

Please remove the inaccurate charge-off /collection from my credit report.
Complaint sub-issue: Deposits and withdrawals

My wife and I closed all associated accounts with PNC bank after a stolen purse. The afternoon the purse was stolen, we put a freeze on all account and fraud warning were issued. The following day we opened brand new accounts. XXXX  days after opening the new accounts, a bank teller at a branch XXXX hours away gave the fraudsters access to our new checking account using our closed checking account checks. They then let the fraudsters drive away with {$2500.00} of our money. It is now going on XXXX weeks and no one has any answers for us as to when we will receive our money back. The customer service is horrible. The local branch has no answers, the territory manager has no answers, the XXXX people I have talked with at executive consumer relations has no answers.
Complaint sub-issue: Account status incorrect

My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to US bank to make a payment on a collection account, I also asked US bank for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting  my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/18 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a company called XXXX XXXX XXXX reporting on my consumer file that its inaccurate information reporting, to Equifax, XXXX and XXXX they all said they investigated, and it came back as verified and accurate, but how is that when it's a collection reporting as a past due balance this is a violation of the FCRA and is also in violation of Metro 2 Compliant reporting standards. Equifax, XXXX and XXXX are not reporting a date of last activity, XXXX or XXXX is not reporting a high balance and XXXX is reporting a collection account as opened and past due balance and Equifax is reporting a collection account as opened and past due which is not under FCRA compliance, according to the letter, I received from the company that is reporting this account on behalf of XXXX XXXX XXXX. Equifax, XXXX and XXXX all have a different account number from the company. Please see attached letter I provided from the company for proof that the account numbers that's on my credit file is different from each of the CRA 'S.
Complaint sub-issue: Unable to open an account

Ally Bank unable to open the bank account due to the ( 1 ) unable to verify identity and ( 2 ) negative information as reported
Complaint sub-issue: Debt was paid

a few years ago i have XXXX mobile phone service after few months i transfer my service too XXXX i talk with sprint on that time and they send me return kit for phone the phone i got from XXXX and after that i send that phone back to XXXX i also send them prepaid XXXX card that i got from XXXX because XXXX want me too pay my bill too XXXX. now i got this bill from XXXX and i do not owe this money i talk with them and they said u have too pay otherwise this money goona stay on your credit report and they already did that please help me thanks