Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have been trying for 9 months to correct my credit report and score with hours on the phone, reporting, mail etc. I CAN NOT GET HELP! 

According to Equifax, my score is lower because of late and or delinquent credit cards. I DO NOT have ANY late or delinquent credit cards. They won't fix it because they can't do a dispute because I don't have anything specific to correct. 

I am including a screen shot showing the incorrect information and a copy from the Equifax site showing I DO NOT have ANY late or due payments. I don't even have a credit balance. 

PLEASE HELP!
Complaint sub-issue: Talked to a third-party about your debt

Two 3rd parties, my mother and a close friend, have received text messages from Prime Reocvery LLC today XX/XX/2021 regarding a debt for XXXX. The text sent to my mother reads " XXXX XXXX This is Prime Recovery LLC please contact us regarding XXXX Go To www.primerecoveryllc.com to LIVE CHAT or Call XXXX use File # XXXX This is an attempt to collect a debt any information will be used for that purpose. Reply STOP to unsubscribe. '' The text sent to my other friend was not directly copied to me, but my friend said it mentioned calling them to resolve a debt and mentioned an amount of 2 payments of {$270.00}. Neither of these 3rd parties are me, or have ever been listed as contacts for me. My concern is contacting 3rd parties and the text clearing giving my personal debt status information out to that 3rd party in doing so. My own phone number has received no such texts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1881 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 instruction. 


The XXXX Account is a result of identity theft and is not my account. 

FTC report attached.
Complaint sub-issue: Charged too much interest

I applied to Discover Bank for a credit card in 2018 after receiving a promotional offer for balance transfers and purchase charges of 0 % for 14 months. Discover Bank failed to honor their promotional offer, and began charging interest on purchase charges after 6 months. I called multiple times to dispute these interest charges and requested a credit back for them. Discover refused and suggested the promotional offer did not apply after 6 months despite the fact that it did. I requested proof of the original contract three times. Each time Discover promised to mail me the original agreement - and each time they failed to do so. I have attached to this complaint a copy of Discover 's promotional offer as it appears on their website today.

The interest charges on my account are currently approximately {$230.00} per month. While the amount varies month to month based on activity, at this time Discover has overcharged me by well over {$1000.00}, and will not refund or credit back the overcharges and refuse to honor their 0 % promotional offer for purchase charges.

Based upon Discover 's actions, they have improperly reported my account to the three major credit bureaus and are in violation of the Fair Credit Reporting Act. In addition, banks must send an interest rate increase notice at least 45 days in advance of the increase. This is a requirement of the Truth in Lending Act, a Federal law that protects consumers against lenders. Discover has violated this law by its failure to notify me of the increase in interest rate on my account.
Complaint sub-issue: Information belongs to someone else

I made 3 calls to Equifax... 
call # 1 ) No Answer 2.5 hours, I hung up. 
call # 2 ) I Requested Fraud, got XXXX and spoke to XXXX : explained problem then he says he's not fraud, but will transfer. Spoke to XXXX : again I explained that I went to XXXX XXXX XXXX and XXXX XXXX. I requested a mortgage loan. I signed papers. They are authorized inquiries on my report. I don't dispute them. I explained that I look at house for sale regularly, online, and XXXX I that I like some. I get contacted by many mortgage people when I " like '' or " follow '' a property, but I do not sign paperwork. Once, in excitement about the perfect property for me, i did start paperwork with XXXX XXXX, but I know already from my XXXX XXXX that I am not ready for a house right now, therefore I left that website WITHOUT completing paperwork, yet I see on my credit report that they ran my credit without my authorization. The XXXX XXXX XXXX and the XXXX XXXX are mortgage companies say Equifax, however, I never heard of them and only authorized MY financial institutions to run my credit. XXXX requested a copy of my DL & Soc Sec card to open dispute. 
call # 3 ) Requested Fraud Supv, Mary said she was the highest person I could talk to. I explained that I can't Iocate my Soc Sec card and couldn't wait to get those errors removed since they affect my score. XXXX requested DL & 1099/ W-2 or Police Report or some other report that I can't remember ( started with " XXXX '' ). I informed her that the FRCA doesn't state that I need a report to open a complaint. She said I could use a 1099 or W-2 instead of a Soc Sec card XXXX I have W-2 readily available but wonder why I have to submit this in that I already verified who I am with the computer before I got to her, then verified who I was with her ... Other than to my financial institutions, I didn't give my DL or SS info, why can't they just investigate to remove this? She said that their investigation team requires proof of identity before they start. To me that implied that even though I have already given my Name, SS, DOB, Address that I am not ME... so I implied that I would contact the FRCA to verify if all this is necessary to get these inquiries removed from my report. XXXX said for me to DO WHAT INEEDED TO dDO, but to begin the dispute process I need to submit : DL & 1099/ W-2 -- or Police Report -- or some other report that I was too flustered to write down. 
Please help me get this resolved soon.
Complaint sub-issue: Information belongs to someone else

Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

First it was my unemployment card that got hacked or whatever game someone was and still is playing I see,. At the begining of the year they hacked my unemployment card I called card services and told them what was my complaint which was identity theft and they took care of i..Now come to find out someone's gotten a hold of my child support card and activated it and took XXXX dollars off of it.. I normally don't get my child support until XXXX of every year but for some reason my XXXX from XXXX XXXX called and asked me about if I had received some money and I was totally confused but he was right I had money deposited on the XXXX of XXXX and i didn't realize what had happened until the end of the month around the XXXX of XXXX I feel so bad that whomever did this Im guessing got away because the bank found no error .. that really hurts to know my XXXX baby girl could've used her money I don't know what else to do but I'm very angry agitated and heartbroken
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 XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Information is missing that should be on the report

My XXXX  year of credit history is no longer available on my credit report. This information includes : 1. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.
Complaint sub-issue: Information belongs to someone else

MACYS FRAUD DEPARTMENT REFUSES TO DO A PROPER INVESTIGATION INTO A FRAUDULENT ACCOUNT THAT WAS OPENED IN MY NAME ON XX/XX/2011. INSTEAD OF FULLY INVESTIGATING THE ACCOUNT THEY DEEMED IT AS MY ACCOUNT AND SENT IT INTO THEIR COLLECTION COMPANY. MACYS CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT ON MY XXXX FILE EVEN AFTER I SENT IN POLICE REPORT FOR IDENTITY THEFT ALONG WITH THE FTC FRAUD AFFRADAVIT. HOW CAN YOU TELL A PERSON TO ARRANGE TO MAKE PAYMENTS ON ACCOUNT THAT THEY NEVER OWNED.THE ONLY GOOD THING MACYS DID WAS SEND A LETTER THAT STATED THE ACCOUNT WAS OPEN ON XX/XX/2011. THE DATE THE ACCOUNT WAS OPEN DEFINITELY PROVED I AM NOT THE OWNER OF THE ACCOUNT BECAUSE I WAS ADMITTED INTO THE HOSPITAL FOR XXXX ON XXXX, XXXX, XXXX AND WAS DISCHARGED ON XXXX, XXXX XXXX. I HAVE SUBMITTED NEW EVIDENCE ( HOSPITAL RECORD ) TO THE MACYS FRAUD DEPT VIA MAIL AND I REQUEST THAT A NEW INVESTIGATION GET STARTED. MACYS HAS DAMAGED MY CREDIT FILE TO THE POINT WHERE THEY HAVE CAUSED ME FINANCIAL HARM. THEIR PRACTICES ARE UNSCRUPULOUS AND THEY DONT CARE ABOUT THE CONSUMER. WITH THIS NEW INFORMATION MR. XXXX HAS FURNISHED ME I WILL NOW CONTINUE TO SEEK THE ADVICE OF LEGAL COUNSEL.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX* DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

Citi closed my account without my attention. I did not ask Citi to close my account, but Citi closed it without my permission, and I did not know it.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Their investigation did not fix an error on your report

My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.
Complaint sub-issue: Problem with personal statement of dispute

Mib Inc has reported information about my husband XXXX without me his legal caretaker. I'm responsible for all of XXXX XXXX legal decisions and there was no official HIPPA form filed for life insurance. I am giving you allowed time to remove frivolous mib report. I was not present when forms were signed. My husband was unable to understand statefarms forms. His signature is null and void and I demand you remove mib report because it violate all forms of medical laws by leaving it there
Complaint sub-issue: Indicated committed crime not paying

This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. 


In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. 

XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. 

XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. 

The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. 

I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. 



Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. 

Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 


1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.
Complaint sub-issue: Received bad information about your loan

My loans for the past > 2 years have been under FedLoan servicing. They were taken over by XXXX when I started on the XXXX XXXX XXXX XXXX program. 

This spring I re-certified my income so I could continue on with my XXXX program. That is when the difficulties began. Initially they declined my re-certification multiple times due to not having sufficient info to verify my income. This was despite the fact that I submitted my XXXX 's and my IRS tax transcript. This delayed my re-certification past the deadline despite me submitting everything on time. During the multiple phone calls to resolve this issue they mentioned that while I clicked to recertify back into my same plan I also clicked a box on my forms erroneously to try to put me into a lower repayment program. It was a short discussion notifying me that I could be eligible to be put in a similar program that would not effect my PSLF eligibility and I would simply pay less each month. I told them I was fine with this as long as it did not effect anything overall. As I have had other friends do this I did not think much of it. 

Unfortunately my loans initially got put into standard repayment so I was debited {$560.00} for an unclear reason, then {$8000.00} from my account. I needed to call my bank to have this payment stopped. I also have an upcoming payment due for > {$3600.00}. My loans were supposed to be put in forbearance during the switch over as it takes XXXX a few months to determine my new program and monthly payment. Now I have XXXX payment overdue and likely another upcoming as I will not be paying the {$3600.00}. 

Now finally they have given me the info about my new repayment program and I will be paying > {$1900.00} a month. Previously I was paying a little over {$1800.00}. So after all of this I will be paying more, not less. To add to this confusion I was initially quoted approx {$1200.00} for the new program. 

On top of this I just realized that they added over {$43000.00} to my loan balance due to interest capitalization from the switch over of my loans. This was never explained to me and I would never had agreed to a switch if I new this would happen. 

When I spoke to a supervisor from XXXX the only option he gave me was to continue with the new repayment program and they will try to correct the {$8000.00} and {$3600.00} payment owed. They would not be able to correct my loan balance and the {$43000.00} in loan capitalization would remain applied. 

I am not sure if this is fraud or incompetence. I just want to be in the same program I was prior and back at my original loan balance. I am not sure what to do and I am at a lose. 

I would appreciate any assistance you XXXX be able to provide.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

ERC kept repeatedly calling me about a debt that was discharged under Chapter XXXX Bankruptcy. All debtors were notified and it has been discharged. This company kept asking for my social security number because they could not find my account. If I had an account they would know my info. I refused to give them my social but I gave them my attorney 's number and name. Plus they were asking for me by a name I have not went by in 5 years
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Was not notified of investigation status or results

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$31000.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

My account was closed at credit grantors request which is in violation to FEDERAL LAWS. Violation to 15 USC CODE 1691, I am due {$10000.00} in damages. 15 USC 1681n I am due {$1000.00} in damages per violation.

My account was closed with out my knowledge or approval where is my green receipt/proof you sent anything regarding this account?

According to 15 USC 1602 ( p ) late payments are considerate unauthorized use, I did not get a benefit from the late payment as a credit card holder. I never got the proper documents or disclosure needed to correct payment According to 15 USC 1605 how am I late? The finance charge connected to my consumer credit transaction include all fees.

I am demanding according to my consumer rights, per the federal laws that my account is reopened with an open ended credit card and yall must report only positive information. ( COPIED FROM AFFIDAVIT SENT OT THEM )
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for MoneyLion 's promotional offer based on their Pave the Wage promotional campaign. The promotional offer was to receive 17 % of your direct deposit if you did the following : 1. Join MoneyLion 2. Set up a direct deposit of $ XXXX 3. Opt in to bonus 4.  Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit Right after opening the account I called up Moneylion and confirmed that all I needed to do was to wait for the bonus offer to show in the app and then opt in on the  mobile app to be eligible. I was able to do this a couple days after opening the account. Then I set up my direct deposit such that first deposit hit my MoneyLion account on XX/XX/2019. I continuously deposited the same amount ( or higher ) biweekly to meet the bonus requirements. 

After 90 days had passed I failed to see any bonus posted to my account. I called up MoneyLion and asked them what was the delay. Their response was I hadn't opted into the bonus offer as no email had been sent to my email account as is apparently customary. I mentioned I had followed their exact directions when I called them up when opening my account. There was no mention of a special confirmation email. Moneylion 's response was they wouldn't abide by the terms of the offer since no email existed.

This entire situation has been a scam. Moneylion heavily used gender equality to market their financial services and get lots of publicity. Then when the time comes to pay out they can renege on their offer saying there is some app or backend system issue and they don't have to abide by their contract. This is straight-up fraud. They may have pulled the same stunt on others as well.