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

I was a Discover customer for 8 years and used to love them. My account was always managed responsibly. I never had a late payment or went over the credit limit in 8 years. My last purchase on the card was XX/XX/XXXX. My last payment to the card was XX/XX/XXXX paying the full balance bringing the account to {$0.00}. Without notice, 11 months later, XX/XX/XXXX, Discover closed the account due to inactivity. I received notification from XXXX XXXX the account was closed and my credit score was  impacted. I called Discover XX/XX/XXXX and requested for the account to be reopened. Discover explained the account was already closed so my only option was to open a new account. I had always been a good customer and I thought we had a great relationship. 

While most of the country is being impacted by the COVID19 crisis and needs their financial institutions to be there for them, Discover wasn't there for me.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/21 Discover Financial Services added a derogatory mark on my credit report per checking my credit report from the 3 credit bureaus. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no form of written communication, contract, or signature for accused of this debt at all. A bill without a signature does not validate the debt and anybody can send a bill claiming it belongs to me. According to the FCRA Discover Financial Services has violated my rights as a consumer and I am requesting legal action to remove this immediately.
Complaint sub-issue: Unable to open an account

I have applied for a checking account and was denied two times I havent had a checking account in about 7 years I need all my negative items removed I cant even start a business
Complaint sub-issue: Personal information incorrect

I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I placed an order on XXXX for {$1100.00} on XX/XX/XXXX. I then returned the product, and it was confirmed by XXXX that the refund was sent on XX/XX/XXXX. The payment of choice was Cash App, which has been telling me for weeks that XXXX never sent their company the funds for the return. I got an email reply from XXXX on XX/XX/XXXX with a credit memo attachment of the refund being processed on their system on XX/XX/XXXX. Cash app since has not responded to my emails after XXXX attempts. I am now out {$1100.00} because XXXX and Cash App will not take ownership of the situation.
Complaint sub-issue: Attempted to collect wrong amount

XXXX Sponsored XXXX XXXX XXXX. 
Upgrade to XXXX  RE : EMPLOYMENT CHECK XXXX. 
To XXXX & 20 more XX/XX/XXXX at XXXX XXXX  I am writing in regards that I received an check that was not cashable. Therefore, correcting the matters for future reference from reoccurrance. 

On XX/XX/XXXX, I received an check for the amount of {$390.00}, for the period beginning of XX/XX/XXXX and ending XX/XX/XXXX, check number XXXX issue to XXXX XXXX, Sales Associate ID : XXXX. 

The check that was issued to me had an issue at PAY-O-MATIC, loss and Prevention Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The Letter I received from Pay-O-Matic stated, " The following check was returned to us unpaid for the reason listed below. The items was cashed for value, in good faith, in due course and without notice of defect. 

Maker : A Division of The Department Return ID : XXXX Check # XXXX Return Reason : Stop payment- C Check Date : XX/XX/XXXX Returned Date : XX/XX/XXXX Check Amount : {$390.00} Returned Check Fee : {$30.00} Total Amount Due : {$420.00} We can not redeposit this item an require that you remit full payment to us in the amount of {$420.00}. '' I would like an full investigation on the matter investigated. This is not supposed to be happening. At this point this looks intentional and deliberate. 

Thank you for your time an consideration, it is greatly appreciated. If I can be of further assistance to this matter you can reach me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around nine separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Complaint sub-issue: Debt is not yours

Collection company ERC is reporting a claim from an original creditor ( XXXX ) that was opened XX/XX/2020. This claim is false, I believe this claim is due to fraud, I have never had a XXXX account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Complaint sub-issue: Old information reappears or never goes away

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since August 30th for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.
Complaint sub-issue: Was not notified of investigation status or results

After reviewing a copy of our credit report my wife and i noticed several items that were incorrect.We sent letters to the credit bureaus in XXXX2017 with a request to review our reports and investigate the items. We have received ZERO response. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed account # XXXX company name XXXX and XXXX company address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account # XXXX XXXX company address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX and Equifax deleted all XXXX accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all XXXX of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from XXXX XXXX and Equifax with these accounts deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit card account with Citi Bank and requested a credit line increase online o

n XX/XX/XXXX. Their web page specifically stated that no inquiries will be placed on my credit report, which is the reason why I requested the increase. On XX/XX/XXXX, a 'hard inquiry ' was placed on my credit report by Citibank NA with address XXXX XXXX XXXXXXXX XXXX XXXX , SD XXXX. 

I have not authorized or agreed to this inquiry and would like to have the inquiry removed from my credit report as it brings my credit score down. 

I contacted Citi Bank and their customer service agent could not explain why a 'hard inquiry ' was placed on my report for a simple credit line increase request, however they said that there is nothing that they can do and refused to help me any further.
Complaint sub-issue: Their investigation did not fix an error on your report

discover financial services is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting
Complaint sub-issue: Account status

I was in a car accident with my XXXX Honda Civic and it was a total loss. The car was paid off by the insurance company but my credit report still showing the car lone is unpaid. So I would I the information to be updated and to have my credit score adjusted.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2020, I received a phone call from a 1800 number that appeared to be from Discover card. The person on the phone identified themselves as Fraud services at Discover. They proceeded to tell me that there were multiple fraudulent purchases on my account the needs to be verified. I told them that those weren't from me and she said she'll initiate cancellation. I got another call hours later from a number definitely a discover card number telling me that the card is sent out. I got a call today, from the same number, but the phone call sounds much more legit. I was told that there are still charges to my account. The new person was definitely more professional than the first people. It is likely that the first calls were not even from Discover and were fraudsters spoofing.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from XX/XX/XXXX-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
Complaint sub-issue: Charged too much interest

A sales person by the name of XXXX came in to our business to offer us a water filtration system called XXXX. He tested our water and said that it had XXXX causing chemicals and that we were at high risk of getting sick from it. After discussing the product for a while we decided to get it installed. He said that the total was XXXX and that the monthly payment was going to be {$90.00} a month for 6 years. He showed us a peace of paper where I had to provide my social security number to see if we qualified for additional savings. To which he then said we qualified for three free months. What we didnt know is that what he was doing was opening a credit card with Aqua Finance in  the amount of XXXX. We have been paying our $ XXXX monthly bill amount for a little over a year now and just found out that we are actually paying a financing company who charges interest every month for the unpaid monthly balance. Our balance is XXXX as of XXXX which means that in this whole year we have been paying mainly interest and only about {$270.00} has gone towards the water system. The only reason we found out in because my daughter opened a bill from them and reviewed it and let us know about this issue. We were absolutely never advised that a credit card loan would be opened and that there were interest fees on top of the XXXX. My daughter checked their XXXX reviews and XXXX reviews which are filled with people complaining about being scammed by them too. They are a fraud. They lie and take advantage of the XXXX community that doesnt speak much XXXX. I called the company Aqua Finance and they told me to call the sales people at XXXX XXXX. I called XXXX XXXX on XX/XX/2020 and they advised that they cant do anything and to call Aqua Finance again. They just keep sending me back and fourth. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX 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 XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an inaccurate debt that is not mine on 4 different occassions with L.J.Ross for $ XXXX.I have neverdonr any business with the company that L.J.Ross is representing.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

XX/XX/XXXX is the most recent date I spoke to a manager explaining my reasons and explaining how I will pay my car in full before XXXX ends because I am getting my tax returns. She acknowledged and explained how she will stop the company from harassing me any further and that my car would be ok. Then out of nowhere the next night my car gets towed. Listen read the reviews about this company. They shouldn't even be in business. Even if I have a date to make a payment they call me several times a day they even go as far as to disguise their business number to look like a number here in my area and they're in California I am in Florida. I will tell you I made payments every month. Right now i am the only one working i told them that i will be making payments but it will be between 100 and 150 because right now i am paying all my bills since my wife left her job to take care of our XXXX  baby girl. But they insist of throwing it in my face how " this is a business and we need our money '' in fact they sit here and argue with me. Rather than being a patient quiet customer service rep they actually talk back and be smart XXXX about it and argue with you as if they're the customer. And now I am without my car and I cant go to my job because its across the bridge and the city bus doesnt travel that way. Now I will have to get another job on my side of town and that leaves me and my wife without work with XXXX children and one being XXXX. This finance company is straight from hell they dont care about anything. They dont care to be patient stop and listen they dont care about peoples situations nothing. I even called them today XX/XX/XXXX many many time I even called the manager lady that assured me things will be ok and no one answered. I called the dude back that was suppose to have my paper work and he never answered the phone. I got put on hold 5 minutes and more I got transferred a dosing times I left messages and nothing. And I have a time limit before my car gets put up for auction. I hate that company along with everyone else who has left reviews describing how awful they are. That companies name is XXXX XXXX XXXX XXXX XXXX XXXX in California. They suck. I hope this company shuts down. Its terrible
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis nexis responded to complaint XXXX filed by me to the cfpb per their response PACER serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. Because court records ARE public, any person or organization can view them through the PACER system Lexis nexis is in violation of the fcra because Lexis nexis did not verify directly with the Bankruptcy court.

Pacer.gov is a third party entity that collects information and then sells the information to Lexis nexis and other credit reporting agencies. Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccurracy because the information was placed on my report by a third party pacer system. 
I feel I am a victim of scrutiny.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Right to dispute notice not received

The debt was placed on my account XXXX 2015. I am currently in the process of reviewing my credit and came upon the debt on my credit report. I was not informed in writing of this debt before it was placed on my credit report. I contacted the collection company ( Enhanced Recovery ) and they could not validate that this debt was mine and they also refused to remove the debt from my credit report as well.