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

I filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX  XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX, has violated my rights. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

This is a complaint about EQUIFAX. 

On the evening of X/X/2017, I found out that I was a victim in the recent Equifax credit bureau security breach. I have spent a long time getting my credit score, financial health and report to acceptable levels and now that am a victim of this breach, I worry constantly about my identity being stolen and all my hard work to be compromised. To be proactive, I have placed freezes on all my credit bureaus as well as placed a 90 day fraud alert on all my accounts. I believe Equifax should have notified me sooner of these issues, rather than try and cover their tails and I find it unfair that I have to go through all these measures due to their poor monitoring of their website. Their only remedy is to give 1 year of free credit monitoring, but the information that was stolen from their servers could affect me for life. Its not like I can change my SSN or DL number, or better yet my mothers maiden name. Now it feels like I will have to always be concerned about my identity being stolen, more so that ever now.
Complaint sub-issue: Add-on products and services

While looking at a bill statement from XXXX XXXX, I noticed a " debt protection '' fee added on. Such a feature was never discussed, advertised or offered to me when I applied for the card years ago. The online customer rep could n't cancel the " debt protection '' fee and referred me to a phone number to call. I called and managed to have the " debt protection '' " service '' cancelled but could n't get a refund for years of unnecessary billing for a service I was never offered or signed on to.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$5900.00} XXXX  XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$40000.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX, I sent a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct errors on my credit report. Several weeks ago, I received notice of the corrections from XXXX and XXXX XXXX. Unfortunately, I have not receive anything from Equifax, despite several attempts at follow-up.
Complaint sub-issue: Received bad information about your loan

I had a student loan being serviced by FedLoan Servicing  XXXX   XXXX   XXXX , that was paid in full  XXXX   XXXX ,  XXXX . A " Paid in Full '' notification letter was issued by FedLoan Servicing confirming the account had a {$0.00} balanc e ( n otification letter attached ). Previous to that, the account was paid via direct debit directly from my bank account.     Then, on  XXXX   XXXX ,  XXXX  , ( six  months later ) FedLoan Servicing issued a notification that a balance of {$62.00} existed on the account, and that the account was delinquent since  XXXX   XXXX ,  XXXX   (  delinquency letter attached ). This issue was automatically reported to the credit agencies which dropped my  credit score  from  XXXX   ( excellent )  to  XXXX   ( b ad ) overnigh t. FedLoan Agency ha s acknowledged that this reporting was a mistake, and that the account was not delinquent. I have repeatedly contacte d FedLoan Agency si nce  XXXX   XXXX ,  XXXX  to get them to issue a correction to the credit agencies ; but my score is still at  XXXX  as of  XXXX   XXXX . They are not responsive. They have n't even provided me with documentation of the steps they have made to fix the error, nor even sent me a letter so that I could provide documentation myself to  XXXX ,  XXXX , and  XXXX .     I need  FedLoan Agency to provide me a document stating that my account was not delinquent, that FedLoan Agency issued  the delinquency notice in error, and that the loan is paid in full ; so that I can file directly with  XXXX ,  XXXX ,  XXXX .
Complaint sub-issue: Debt was result of identity theft

According to 15 use 1681b section 2, the consumer reporting agencies can only furnish a consumer report under the written permission of the consumer whom it's relating to. My permission was not given. This is aggravated identity theft.
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 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: Information belongs to someone else

I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}
Complaint sub-issue: Information belongs to someone else

I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.
Complaint sub-issue: Problem with personal statement of dispute

Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the credit bureaus.
Complaint sub-issue: Inadequate help over the phone

Upon calling the collection agency Equifax stated I have a debt with, the agency informed me that they have no record of me having an account with them, which is correct because I can not recall any debts with XXXX. This acct was already in dispute for more than 120 days and was still showed reinvestigation in progress. I notified Equifax and they stated they could only remove the comments and it had to be redisputed ( see attachment file dispute1a ) conf # XXXX. After I was informed the comments attached to this acct were deleted I went to Equifax.com and filed a dispute with the confirmation # XXXX. When I called the same day to confirm that the dispute was submitted, I advised them I may have picked the wrong reason for dispute in error. Another confirmation was given to me # XXXX to correct this. Upon reviewing the report during that time I noticed that they had duplicated the exact same acct onto my report with the same exact acct #, bal, debtor, etc. I waited 30 days and received documents stating that these acct 's were delete ( see attachments ) and investigations were closed on XX/XX/2017. When I reviewed the Equifax report it still showed the exact same acct that was to be deleted with the duplicate acct gone. I called Equifax and asked why the acct was still showing on my report. They stated that they could not remove it and to call the collection agency again. I advised the agency will not help me and that they have no record of me having a debt with them and referred me back to equifax. I also advised them that I received documents from their own system stating the acct 's were to be deleted and they still did not delete them. They stated another dispute must be filed and they went ahead and filed an additional dispute with confirmation # XXXX. This is in strict violation of FCRA one, because it is taking more than 30 days, and two, they 've already told me they investigated it and it was to be deleted. I am in the process of trying to obtain a loan and they are not cooperating whatsoever. This acct needs to be deleted. Please PLEASE help me.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I sent 3 dispute letters to XXXX, XXXX  & Equifax around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time.

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I WAS NOT MADE AWARE BY THE BUSINESS MY RIGHT TO OPT OUT
Complaint sub-issue: Application denied

I recently applied to a Citi XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Citi XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a collection account on Equifax with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account Equifax has failed to provide information of proof account belongs to me. Equifax has no document or contract to verify the account. Ive reached out on numerous occasion by phone to Equifax and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.
Complaint sub-issue: Account information incorrect

They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A CITIBANK ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a Citibank account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent out letters to equifax asking for who am I supposed to be disputing with or paying and they have not provided any information on these accounts. 

I have no idea which collection I am supposed to pay if I do not know who the collection company it is.
Complaint sub-issue: Their investigation did not fix an error on your report

My complaint is against Macys/DSNB. I had a medical hardship back on XX/XX/XXXX so late payments were reported on XX/XX/XXXX and XX/XX/XXXX( 60 days late ) from Macys Account # XXXX, Opened Date XX/XX/XXXX. I submitted a dispute with Macys on XX/XX/XXXX, kindly asking those late payments reported to  XXXX, XXXX and XXXX  to be removed because of my health situatuion due to my age. I did have the money to pay, but I was at the hospital so it was not possible for me to do it. They requested some documentation so I did send my medical certificate that proves that I was at the hospital when the late payments happened. However, the XX/XX/XXXXcredit reports for all three credit bureaus are still reflecting the late payment history on the mentioned account. I want the late payment history to be removed as soon as possible from my credit reports, if this does not happen, I will take legal action against Macys. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I received a notice on my credit report that a collection had posted to my account. Very aware of my credit this was an immediate error in my mind. The debt appeared to be from XX/XX/XXXX, original creditor being an XXXX XXXX. The phone number of the credit collector was a bit cryptic - During business hours there's never a live person answering, the phone actually didn't ring, leading you to believe you may have dialed an incorrect number but seconds after you're looking at the phone to double-check the phone number you called, a broken up voicemail comes on giving you an option to only leave your name and number. ( no options to speak to someone ). I left a voicemail and asked for them to send notice of the debt in writing - I did not receive nor did I receive a call back. 

XX/XX/XXXX I filed a dispute through Experian. XX/XX/XXXX, I received a dispute notice that the creditor has validate a debt owed and the collection will remain on my account. 

I have never received any notice of this debt - yet I can't get the creditor on the phone. This is unfair to my rights. My credit score dropped 40 points with the add of a collections I can't properly dispute because I haven't seen a bill ( not from the original creditor or the collections ) My complaint is XXXX XXXX as listed on my credit report is operating under unfair practices. My rights have been violated when they placed a collections on my report damaging my credit worthiness yet they can't dignify me with an end to end conversation to give me information I need to protect my rights and my credit history. I will now go on a journey of trying to contact a company with an amateur 's business stature ( hiding behind a a voicemail system and XXXX XXXX ) while they make unfounded accusations that damage my credit worthiness until this dispute is resolved. 

XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 my file at XXXX is 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. I am in desperate need of this item to be REPAIRED or CORRECTED. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes to XXXX, XXXX XXXX, Equifax on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.
Complaint sub-issue: Didn't receive enough information to verify debt

I did not know there was any collection being taken against me until years after the debt when it appeared on my credit report. I do not owe the medical debt they are claiming, as I had health insurance at the time and my visit was covered. I never authorized any additional charges outside the scope of my health insurance. I have contacted company several times and a bill or explanation was never provided to me. I have also received letters from attorneys in regards to a class action lawsuit against this collection agency and original debtor that they have been found guilty for scamming numerous other individuals.