Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/2021, I used my card for XXXX in the amount of {$16.00} at XXXX XXXX XXXX. My unemployment benefits were loaded on XX/XX/2021 in the amount of {$480.00} at XXXX XXXX XXXX. I tried to use my US BANK Reliacard again that same day, XX/XX/2021, to try and take out money from an atm. My transaction had been denied XXXX. I then called US BANK reliacard to check the issues with and status of my account. The representative told me that my account was locked for fraud and told me that I needed to upload a photo ID, and XXXX. I then proceeded to provide the documentation. I called back and had a XXXX minute conversation with the supervisor at the time. She informed me that on order for them to verify my identity, I needed more identification. I had to fight with her to get the other types of identification I could use. She failed to mention in that XXXX minute conversation that I could use my temporary state ID, birth certificate, and the selfie. I called back on XX/XX/2021. They said they couldnt verify my identity yet again. That I didnt have enough information and that I needed to now submit a photo of my social security card, my birth certificate, a XXXX, and my temporary state ID. I went to the website provided, I uploaded the XXXX required documents as well as a photo of my reliacard as proof of ownership. I waited until XX/XX/2021 to call them, again, to check on the status of my case. They proceeded to give me another run around and tell me that my photo ID had been cut off in the photo, which it hadnt, and that I need to resubmit every single document for the fourth time and that it would be another XXXX business days. This has happened to a couple of people that I know. They also didnt stick to the same explanation as to why my account/card is locked. Another XXXX of the representatives told me that this was routine and not fraud.
Complaint sub-issue: Information belongs to someone else

To Whom This May Concern : Upon reviewing my Equifax account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with personal statement of dispute

Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. Equifax and XXXX  merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.
Complaint sub-issue: Was not notified of investigation status or results

After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.
Complaint sub-issue: Debt was paid

I received a signature loan from CashCall Inc. in the amount of {$2600.00} in XXXX of XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with CashCall Inc. I decided to seek legal assistance I never heard from CashCall Inc. again, in XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to XXXX California XXXX XXXX XXXX for the amount of {$4300.00}, when researching the payment I found out it was for the CashCall Inc. account, when I contacted XXXX California XXXX XXXX XXXX ( here-forth known as XXXX XXXX ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XXXX of {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. Which violates XXXX XXXX of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Transaction was not authorized

To Whom It May Concern, On numerous occasions, I have reported ATM debit card fraud and theft to KeyBank. The complaints have not been properly investigated nor addressed. Managers at KeyBank have stated that it is " impossible '' for debit card transactions to be fraudulent despite many attempts to reasonably address the issue, which has resulted in {$710.00} of unaccounted for money. 

The following includes a breakdown, by date and amount, of the unauthorized ATM withdrawals at various locations totaling {$710.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$23.00} XXXX | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ME | {$100.00} XXXX | XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX {$63.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | {$160.00} XXXX | XXXX  XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX  XXXX Tg XXXX XXXX  XXXX, ME | {$130.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$130.00} XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$63.00}
Complaint sub-issue: Personal information incorrect

On XX/XX/18, I received a letter stating that a new address was posted to my equifax credit file. The new address has an extra 2 digits after the first address line, this making it inaccurate. I called XXXX which was the number listed to call with a dispute or questions on XX/XX/18. I spoke with 5 different customer service reps who refused to fix their error until I supplied utility bills, etc. It is absolutely unacceptable to require me to provide documents to correct their error. I refused and they offered me nothing more than 40 minutes of wasted time. Incidentally, I know this is an error on their system and not in my lender 's data because every piece of correspondence from my new lender had my address listed correctly. My rights as a consumer should not be to correct their errors. As a data holder, they have the responsibility to correct their own mistake.
Complaint sub-issue: Old information reappears or never goes away

EQUIFAX and XXXX  Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX  REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Complaint sub-issue: Investigation took more than 30 days

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Frequent or repeated calls

I 'm not certain who they are, but they keep calling, twice a day, from  XXXX . Today they called me multiple times on my work phone.     I believe it 's a company called AES. They have a fraudulent account on my credit. My father was able to get it removed, most credit reports removed it from mine. Only   XXXX   has n't.     They keep changing a late payment date from 10 years ago just to keep it on my report, but the thing is -- I have never had an account with AES, and have been fighting this for at least 8 years.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Complaint sub-issue: Can't close your account

On XX/XX/2018 my husband passed away. I had a problems with your bank that refused to give me any information on my husbands accounts. This bank told me that a XXXX XXXX called your bank and announced that me XXXX XXXX gave him my husbands law business. I informed the the bank that was a lie. XXXX XXXX Was listed only if he chose to purchase the law practice. But he refused. In the event if my husband died. This XXXX XXXX called the PNC bank before I chose to act on the Will, which I have not read the Will nor did I act on any executive matters because XXXX XXXX had the Will in my husbands office. I was totally breaking down and ask to speak to the manager. The manager but me out of the bank without giving me any information. This bank allowed the man XXXX XXXX into my husbands bank account and gave this man as well as XXXX XXXX the paralegal in the law practice all the information on my husbands accounts. I was very ill for days alone with the grief. I begged this bank to help me, t needed information on this account and accounts from clients. I had court probate papers. XXXX XXXX only made a phone call and your bank helped XXXX XXXX To steal my husbands law practice.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been incarcerated for the past 13 years and I am currently an inmate at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my incarceration I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX XXXX XXXX  case manager, my police report. I Thank u in advanc for your time, consideration in this matter
Complaint sub-issue: Debt was paid

Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abusive acts and tactics to attempt to collect debts, so we paid the creditor ( XXXX XXXX ) directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.I reported this to you guys and they closed it stating that the client said debt was owed which is a lie. Ive enclosed my proof of payment. This company needs to be looked into. The XXXX and XXXX  I have received from them is unheard of. Literally stressed me out and caused me anxiety. Rude and unprofessional to say the least.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I have a boat loan with Key Bank. My boat is a documented vessel - this is different than typical registration on a boat. My boat has a vessel name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my vessel. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days. I sent the form and check to them on XXXX XXXX 2017. I was planning a trip to XXXX in XXXX so I wanted to get all the paperwork completed by then. After waiting 3 weeks, I contacted Key Bank. They said they never got my form or check. I informed them that they had cashed my check which was stapled to the form. They insisted that I send another check and form - this time they gave me a different address with a specific mail stop. I called the next week to see if they go the form. They said no. I continued to call and finally they told me they got it and were processing it. I made an additional 17 phone calls to various people including XXXX XXXX, two of this staff XXXX & XXXX, XXXX, XXXX and finally to XXXX XXXX. XXXX was able to confirm the receipt of my form and told me XXXX XXXX was processing it. I waited another 2 weeks and nothing. It 's now getting close to my departure to XXXX so I contacted the XXXX XXXX to tell them what was going on. They required another {$100.00} fee to un-do my request ( I paid them {$100.00} when I initiated the request with Key Bank in XXXX ). I had to re-purchase lettering for my boat to take it back to the XXXX XXXX XXXX XXXX and submitted an expedited request to the XXXX XXXX for temporary documentation so that I can leave the country. Key Bank XXXX XXXX me a document today approving a name change on my boat. I do not wish to change the name, I never requested that, I requested changing the hailing port. For 2 1/2 months now , Key Bank continues to be uncooperative on the phone and clueless as to what is being requested. They should not provide boat loans if they do not have the ability to process the simple paperwork required to meet XXXX XXXX requirements.
Complaint sub-issue: Investigation took more than 30 days

I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.
Complaint sub-issue: Problem with personal statement of dispute

I had a home loan with the lender Loancare/XXXX XXXX for 39 months and paid all payments on time. I was selling my home and called in XXXX to get the payoff statement sent to me so I could give it to my title/closing company. The lender told me not to pay the last payment as it would be rolled into the payoff statement and would not be marked as a late payment. When the payoff went through and credit reporting was done for the month the lender marked my final payment on the loan as 30 days late. The payment was technically 30 days late but I was told it would not be marked late as it would be rolled into the payoff statement. This is adversely affecting my credit score to where I can now not purchase a new home and is at very best a miscommunication and should be forgiven as a late payment since it was not a late payment due to inability or unwillingness/forgetting to pay. I did not pay the bill at the direction of the lender and therefore do not think this late should be on my credit report.