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

Key Bank  is confused about my 'Grandfathered ' checking account from XXXX XXXX  , which had no maintenance fees or monthly transactions requirement, they took over in XXXX. And starting in XXXX have decided without my awareness or consent, to charge {$50.00} maintenance fees on an irregular basis. I have been using this account only as a depository for a small monthly electronic deposits from pension plan and have failed to monitor it regularly to catch these rough 'unjustified maintenance fees, until XX/XX/XXXX. My request to refund these charges and to explain what happened to my 'No Fee ' account after these many years of the account being maintained without fees have not been resolved by Key Bank . 

What is really hurtful, even though I was told and assured there would be no additional fees while my complaint is being 'researched ' for last 2 months, 2 more {$50.00} fees were deducted from my account!
Complaint sub-issue: Information belongs to someone else

There are numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was not initiated or authorized by me and was a result of malpractice or an error.
Complaint sub-issue: Reinserted previously deleted info

Had a judgement removed from my credit report, now a third party put it back on there, when the judgement has been removed. The other credit agencies do not have the judgement on it because it has been satisfied and removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and privacy.

*15 U.S.C . 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information is not mine

My name is XXXX XXXX. I would like to file a complaint against XXXX XXXX card for fraud. I am XXXX military veteran who fell on hard times during the recession. I had filed for chapter XXXX bankruptcy in XX/XX/XXXX and the last payment I had made to any creditor was in XX/XX/XXXX. I was XXXX from the military at the height of the recession and in XX/XX/XXXX my bankruptcy was discharged. All of my creditors have dropped off of my credit report with the exception of XXXX, XXXX XXXX card. They are fraudulently claiming that I made a payment in XX/XX/XXXX in order to keep this on my credit report causing me irreparable harm to my credit and ability to take care of my family. I have been trying to re establish my credit so I can by a house for my children to grow up in but due to this fraudulent creditor it shows that I have over XXXX late payments causing major drops in my credit report. I have tried contacting Equifax with no avail and I know that neither they nor XXXX can prove I made a payment on that account. It does n't make much sense that I would make a lone payment on XXXX of over a XXXX accounts does it? Here I am nearly 10 years after the fact of my last payment and it 's still on my credit report. Please help me resolve this issues and prosecute this company for fraudulent practices. Thank you. 


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

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX Card partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My card information on my Coinbase card ( visa debt card backed by US dollars ) was clearly stolen. Starting on XX/XX/XXXX numerous transactions began on my account until the money ran out. I noticed Coinbase at least 3 separate times the first day and continue to this day. The phone system is a dead end that leads to no one in Coinbase card and I just get generic generated responses from Coinbase. Some of my case # s are XXXX XXXX XXXX XXXX opened thu messaging and calling. Transactions went from pending to finalized because I couldn't get anyone that knew what they were doing or what I should do on the phone. My email is XXXX that is how Coinbase pulls up accounts. This claim has nothing to do with cryptocurrency. Transactions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX and XXXX XXXX XXXX are all fraudulent dated XX/XX/XXXX starting at XXXXXXXX XXXX. The card # was XXXX XXXX XXXX XXXX which I reported stolen exp XX/XX/XXXX
Complaint sub-issue: Problem with rewards from credit card

I closed my account because of the way Citi card handled a missed payment. I am XXXX years old and sometimes miss a payment date because of absent mindedness ( I always pay my account in full ). I tried to use my card and it was declined ; so, I called the company to see why and was told it was because I hadn't paid the bill. Well, when I told the rep that having my card declined was very embarrassing that person 's response was quite XXXX and XXXX and in a fit of pique I cancelled the card ; the agent said fine. Several days later I received a {$660.00} check which I have not cashed. 

I called the company to ask what happened to the the rewards on the over {$13000.00} that I paid shortly after this conversation, none of which was overdue. I was told that when I closed the account, I forfeited those rewards. I asked for documentation to support this policy, that I must have signed in order to open the account. I was told that I could not have that. The person told me that that policy was explained to me by the agent who closed the account at my request, not so. I asked for the recorded record of my call and was told again that I could not have that. I would not have closed the account had I known of this policy and simply would have not used the account until after my rewards were paid.
Complaint sub-issue: Debt is not yours

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Complaint sub-issue: Old information reappears or never goes away

This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXXXXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
Complaint sub-issue: Information belongs to someone else

I recently check my credit report and found negative or pass due on the report that is not my so I had to dispute each one and while it was time consuming slowly it was getting cleaned up but the was a credit card negative report that is not my but the collection agency input the same negative item twice on my credit report and I file a dispute with them three time but each time without giving me a reason or a reply it stays on my credit report. How is that legal for them to report two negative report using the same item? Is damaged my credit badly. The Company I.C. SYSTEM, INC ac # XXXX
Complaint sub-issue: Information is missing that should be on the report

I got a copy of my consumer report and I was so XXXX when I saw what Equifax did to my XXXX XXXX XXXX XXXX, that was in good standing every since I had it. 
The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX let a thief open an account using identity theft. My identity was stolen. XXXX and Equifax are REFUSING to remove fraudulent information. I am updating my complaint. I am proving BOTH an FTC Identity Theft Report AND a XXXX Police Report. Please CFPB MAKE THEM STOP HELPING IDENTITY THIEVES AND FOLLOW FEDERAL LAW. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX  accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX credit has been calling me several times a day about a small medical debt I never received a bill for. I believe the debt is legitimate, but as I do not have a copy of the bill, I asked the gentleman to email me one. He refused. I informed the caller that I work on the road and need all paperwork emailed to me. 

I then spent over an hour and called 6 different lines trying to track this debt down and obtain a bill, with no luck. I called the original emergency room first, who failed to contact me about this issue before sending it on. They were unable to provide a bill, and referred me to XXXX XXXX XXXX XXXX XXXX, who also was unable to provide a bill The caller continues to harass and call me at work. I informed him I could schedule a call with him if he could email me to set up a time. He again refused and continues to spam call me. Today I have received 3 calls while on a jobsite.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EQUIFAX permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with EQUIFAX giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Complaint sub-issue: Account information incorrect

on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX. I was disputing the account with XXXX XXXX/ XXXX. The account was closed and sent to the collection agency XXXX XXXX. I sent XXXX XXXX a payment in full for this account back on XX/XX/XXXX. I sent Equifax proof from XXXX XXXX stating this account was in fact paid in full along with a letter that was mailed. I also disputed a charged off account with the XXXX XXXX XXXX that should never been listed a charged off that account was also paid in full. however it is still being reported incorrectly. I have sent them proof that this account was in fact paid I full. I have not received any corresponding information from Equifax since sending these items to them in XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Can not get through to Equifax over the phone. They offer no other options to reach them. Unusual and maddening. They seem to be using this crisis to try to sell products. I accidentally signed up for their free 30 day trial and there is no warning there that if you have been affected by the data breach you have a year of free monitoring. No chat, no email, no opportunity to leave a voicemail and get a call back, When I did just get through to their number 5 minutes ago, they said it would be a half hour wait and then very loud and annoying hold music came on. These people seem to feel they do not need to be accountable. I will try to go in and cancel the 30 day trial online in a few minutes. And executives should be duly prosecuted for insider trading. Enough!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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 XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Complaint sub-issue: Debt is not yours

I C System is unable to provide proof of debt. Or validity of orginal account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Pennsylvania has violated my rights. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/22, an unauthorized user gained access to my CitiBank Online Checking account and withdrew {$20000.00}. The unauthorized user first gained access to my cell phone number through XXXX XXXX. I received a text from XXXX that my number had been compromised and then shortly after my cell phone service was blocked. During that time, the unauthorized user hacked into my CitiBank account by wiring out {$20000.00} from my checking account. While I still had access to my CitiBank account by using my laptop, I saw that the unauthorized transaction was wired to someone named XXXX XXXX from Illinois who had an account from XXXX XXXX XXXX XXXX bank. I had to use my home phone to reach out to CitiBank to stop the wire transfer and freeze my checking account. That same day I went to a CitiBank branch and they informed me that they were able to freeze the pending wire transfer and any future transactions. The next morning I called CitiBank asking about the status update on the wire transaction and was informed that the money, unfortunately, went through. CitiBank then directed me to their fraud department and I was advised to file a fraudulent claim and complete an affidavit providing more information on my case. During this investigation process, I contacted XXXX about the incident. I was then mailed a physical letter confirming that my phone number and personal data information were indeed compromised by an authorized user. The investigation process with CitiBank 's fraud department took around 2 months and with no updates on the status of my claim. I reached out to CitiBank 's fraud department asking if they needed any evidence to support my claim, but they declined my request. I received a mail from CitiBank on XX/XX/22 stating that my claim was denied " due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' I tried contacting CitiBank 's customer service to dispute the results of my claim, but no one was able to help me. 

I have attached screenshots of evidence I have to support my claim. Please let me know what other information you need. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

Called but did not receive any information except that I owed money! For what?
Complaint sub-issue: Didn't receive enough information to verify debt

It is XX/XX/XXXX and I am in the process of purchasing a home and my " credit score '' has taken a 150 point hit due to a collection/derogatory mark for a {$59.00} ERC Collection. I have never made a " late payment '' nor had anything turned over to collections. My loan company was able to see that the {$59.00} debt was with XXXX XXXX. I currently reside in XXXX XXXX and have since XXXX. XXXX XXXX/XXXX/XXXX does not offer services in my area. I reached out to XXXX XXXX and they could not find an account based on my phone number or address. We reviewed all my past address ' and they found one from XXXX that an " account '' had been set-up but service had never been provided. They could not see ANY MONEY due or any debt owed to them. They told me to file a fraud charge " after '' contacting the collection agency ERC. I contacted ERC and they found the {$59.00} for my address in XXXX. They could not provide ANY information from it as they said they purchased the debt from another debt agency. I have never received any communications with regards to this " debt '' and do not know what it is for considering I NEVER had service with XXXX XXXX/XXXX/XXXX. All contact with ERC and XXXX XXXX happened on Thursday XX/XX/XXXX. It has been over 6 years and I have NEVER received notification of money owed nor direct contact from a collections agency.
Complaint sub-issue: Account status incorrect

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my  XXXX   XXXX  payment for the month it was declined because of the erroneous purchases. I paid best buy immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted   XXXX   XXXX   and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that   XXXX   XXXX   is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control. My account was also closed immediately following  one  delinquent payment.