Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overcharged for something you did purchase with the card

Back around XX/XX/2019 I called in and spoke with a KeyBank, the primary subsidiary of KeyCorp 's agent about my bill due to KeyBank sending me several letters about incorrect posting of fees and charges on my account that they'd supposedly corrected. However, during this call of over 1 hour with the agent we both realized in calculating all my purchases, accessed interest, and payments the amount was not equaling to what the agent calculated or myself. The balance remaining was {$100.00} 's over what the balance should have been. So the gentleman gave me the Executive Department 's contact. When I contacted this department I provided them number for number exactly what the original agent and myself had came up with and how based upon the payments, interests, and purchases made. I was assigned an executive agent XXXX XXXX whom at this point XX/XX/2019 has failed to meet 2 or 3 of our scheduled appointments to discuss their findings and who has demonstrated a constant disregard of this matter and ethics in following up and following through to address this issue. I have continued to pay on the card in fear of them messing up my credit again and needing to wait months and moths later for corrections. 

I have called over the last 4 or 5 months leaving her detailed messages, complaining to the executive department for reassignment to a more responsible agent, and even filing with them a formal complaint on XXXX XXXX. I spoke to her in between those 4-5 months explaining that we needed to schedule some time to talk about the specifics but that I would need to have my notes handy. But, she's intentionally missed our appointment and call me after hours that I've told her I am not available. Her work ethics need to be seriously looked into and she needs to be held accountable. Because even if their agent and myself got the figures inaccurate XXXX XXXX should be able to explain their findings in a reasonable time. It took her about 2 months to even resolve their findings and I've been waiting since then to discuss the specifics. Granted I did need to reschedule our initial appointment, but every time thereafter I have been available and she's not called or left any messages during our schedule appointments.
Complaint sub-issue: Reporting company used your report improperly

I have several fraudulent inquiries on my consumer profile that I did not authorize and they need to be removed immediately as per regards the FCRa law 605B and FCRA law 1681 ( a ) ( e ). The Inquires are as follows : 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 

All inquires are fraudulent where contained without my consent and are violating my. Consumer rights and the statue FCRA15 USC 1681ae and FCRA 605B and therefore must be eradicated in 4 calendar days or I am to be compensated $ XXXX damages and defamation per Inquiry totaling {$15000.00}
Complaint sub-issue: Transaction was not authorized

I had initially purchased {$200.00} on coinbase on Date XX/XX/XXXX. I again purchased another {$50.00} on coinbase on XX/XX/XXXX. On XX/XX/XXXX I was charged these exact same charges again from my checking account. These charges even had the initial charge data of XX/XX/XXXX and XX/XX/XXXX in the description of charge. I have tried to contact coinbase but 2 days later still have no had the charges refunded. I attempted to call but was no helped over the phone and was told to send support email in. I did that aswell but was given a generic response with no extra information. My case number is # XXXX. Thank you
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021, I was hacked with instructions to buy XXXX gift cards in order to release my bank account. I bought the XXXX gift cards and scanned them into the computer as instructed, to find out that it was a scam. 
The XXXX gift cards were purchased using my Discover credit card ending in # XXXX. 
When I contacted Discover to reverse the charge, Discover responded that " it has been determined that no fraud occurred... You will be responsible for the entire balance on the account ... '' As such, I paid the balance, despite the dispute, so that interest would not continue to run. 

I filed a Victims ' Report with the XXXX XXXX Police Department, Fraud Unit, Case # XXXX. 
Attached is the letter from Discover and the Victim 's Report. 
The amounts involve two charges, one for {$10000.00} and another for {$5000.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquires on my credit that I allow to be on my credit. XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I have submitted signed Identity theft affidavits and police reports to all 3 credit bureaus with all the accounts that were not mine as I attempt to put my financial life back together. XXXX and XXXX validated the said account to be FRADULENT, and the said account XXXX XXXX # XXXX was swiftly removed from XXXX and XXXX but Equifax continues to report the said account as if it belongs to me. This account is not mine ... I have never had any dealings with the said company and have made several attempts to get this resolved. I am in the process of taking this to the court system and suing for monetary damages. My credit score with XXXX is a XXXX ... XXXX is a XXXX, but Equifax is a XXXX ... huge differences and this shows that Equifax is reporting damaging, fraudulent account on in my file.
Complaint sub-issue: Information belongs to someone else

I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the Equifax 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im homeless.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute with Equifax regarding XXXX XXXX XXXX, XXXX XXXX derogatory mark in regards with incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX, XXXX, and Equifax directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from Equifax and XXXX stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. 

Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list f accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15USC1681 XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX - {$980.00} XXXX XXXX - XXXX - {$2600.00} XXXX  - Account # XXXX {$72000.00} XXXX XXXXXXXX XXXX  Account XXXX XXXX - {$300.00} 15 U.S.C 1681 section 602A. 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.

15U.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: Company closed your account

I applied for a Discover Card with a credit score in the 720s. I am planning on starting a family soon, and I wanted to get a card that I could use for groceries and gas to start building my credit score. I was accepted almost instantly. They sent me the card in the mail. I called in to activate it. The agent said they would activate once they got back an XXXX IRS verification form that he emailed to me. I filled it out and was sent verification that it was completed. Two weeks later, I got an email saying discover closed my account and my credit score could be affected. I checked, and my credit score had gone down to the 680s. I called Discover, and they told me that they sent me two verification forms that they never got back and, as a result, they closed the account. I never received these forms. Ive kept every document ( physical and virtual ) Ive recovered from Discover and these forms are not in there. Additionally, they said an agent told me to upload bank statements. No agent told me any such thing.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from Rausch Sturm about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from Rausch Sturm. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.
Complaint sub-issue: Trouble closing card

I received a USBank Relia visa debit card on XX/XX/XXXX for unemployment payments. I am retired so I have not requested any unemployment benefits. The debit card has my name ( XXXX XXXX XXXX ) on the card. I have tried to contact the number on the back of the card but they tell me there is 204 people ahead of me. The website does not give me any way to close the card so I am afraid that some one has filed a unemployment claim in my name to defraud the government. The card number is XXXX valid thru XX/XX/XXXX with the number on the back of XXXX. I have contacted the Colorado unemployment office and filed a complaint. I have not had a invisticator call me back yet. If you have any questions for me call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all
Complaint sub-issue: Account information incorrect

In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.
Complaint sub-issue: Other problem

I brought up this exact concern to the Home depot before opening my account. I was guaranteed by the credit account manager that the Home Depot would never change account terms to add full back interest after the two year promotion date was over. Specifically he said that " The Home Depot cares too much for its customers to do that '' and that my account was " Two years no interest '' and that my concern was " two years deferred interest ''. THAT IS HOW HE SOLD ME ON CREATING AN ACCOUNT. Additionally, since I spend so much time TDY away from home, I have always set up payments so that purchases will be payed off in full before the end of two years. this method of managing my account has worked well for ten years with no problems until now. I don't know what went wrong. The auto payment were not nearly as agreed, in fact Citi made them digressive until the end of the two years and then added the full back interest to the principle. This is terrible PREDATORY lending and an internet search reveals Citi as absolutely famous for this. I contacted them when I learned about this and asked them to contact me to discuss it. No one contacted me. They just left me a message that they turned down my request. ( Which I hadn't even had a chance to explain yet ) Now, over a year later I have had some time to re-visit the issue and when I contacted Citi executives I was told that it had been too long ( even though I first contacted them when it happened ) and that it was my fault since I " chose not to manage my account ''. 
I don't deserve this. NO ONE DOES. 

1 I have excellent credit and have never missed a payment so why are Predatory Banks like City allowed to charge any interest rate they please?? 
2 why can Banks change the terms of credit accounts as the please and then tell me that " they sent me letter '' informing me of the change in terms?? Should notification methods be adiquate for EVERYONE, even if some people spend much time away from their place of residence. Why can't changes REQUIRE a confirmation.

3 How can organizations like Home Depot, Best Buy, Costo and others allow their customers to be taken advantage of by such a predatory lender as Citi? How can they possible demonstrate their disregard for their patrons any more clear?? ( I'm going to bring this up with the executives of each )
Complaint sub-issue: Their investigation did not fix an error on your report

ON XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 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.

According to 15 U.S.C 1681s2 ( 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 accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.
Complaint sub-issue: Information belongs to someone else

XXXXXXXX XXXX XXXX reported a payday loan I have no knowledge of. sent this dispute XX/XX/2020. Company responded. information removed. Per company they stated they removed this from equifax. they are in violation as they have still reported this information to equifax even after they stated it would have been removed. per FCRA
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XXXX I tried to make a purchase on XXXX and it was declined. I received a email from XXXX which I read on the XXXX. I then logged into my account with with XXXX XXXX and found that on XXXX at XXXX an IVR Money Transfer was transferred to XXXX XXXX, confirmation number XXXX for the amount of {$500.00}. 
On XXXX I called XXXX XXXX. My PIN had been changed. XXXX XXXX told me that they would send the necessary forms that I needed to complete and FAX to  them. By Wednesday, the XXXX I still had not received the forms so I called them again. They said they would re-send the forms. I asked them when can I expect my account to be credited the {$500.00} and they said within 45 to 90 days. It is now the XXXX and the mail has come and gone and no forms. 
XXXX XXXX was assigned to me by the SSA. I called the SSA and they said there was nothing they can do even though they assigned me to XXXX XXXX. I called Comerica Bank whose logo is on the card. They also told me that there was nothing they can do.

I XXXX 'IVR Transfer ' and XXXX XXXX came up. It seems that this has been happening for some time ; money transferred and PIN 's changed.
Complaint sub-issue: Other problem getting your report or credit score

called equifax 3 times to LIFT a fraud alert, was lied to and given confirmation numbers, assured my mortgage company and I would be able to pull my credit, equifax website shows where freeze was lifted but my mortgage company was still not allowed to pull cause of the active ALERT still showing on their end. incorrect addresses they reuse to update are hindering me from obtaining a place to live during the pandemic and may become homeless due to some MINOR mistakes that are keeping my credit LOCKED against my will.
Complaint sub-issue: Debt is not mine

I have disputed XXXX accounts as of XXXX that are listed on my credit file and the accounts have been " verified '' however, today when I called them, they stated that they could n't discuss the accounts with me because they were n't in my name. This makes no sense whatsoever. How can they continue to report on my credit file but they ca n't discuss the account details due to the account not being mine. I am trying to purchase a home and I am 100 % XXXX as well as XXXX and it 's rediculus that I have to fight this battle over a debt that is n't mine and I 'm about to lose my house because of this as well.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased 2 dress from XXXX ON XXXX XXXX WITH MY CITI BANK CREDIT CARD when i received the merchandise on XX/XX/2019 the merchandise was late and the quality was not what was showed online with the picture as the same. I called XXXX and mention to them to send me a label to send the merchandise right back to them which i did on XX/XX/2019 and was received back to them in the same packaged XXXX sent it to me. I then was told XXXX which is a 3rd party came into the transaction and mention they were not going to released my refund back to me Surprised 1 after they have the merchandise back at XXXX and now citi bank are backing them! i nevrer was told or metioned a third party was involved in the transaction up front also me being a victim of identity theft with XXXX 5 years ago was shocked! i then demande that CITI cards returned that {$67.00} back to my credit card becaused it went on back and forth for over a month now. I ACCUSED CITI, XXXX, XXXX OF TRYING TO STEAL MY HARD EARNED MONEY ALSO CALLED THE DISPUTE DEPT AND CHATTED WITH THEM ON LINE GOING ON A MONTH NOW! XXXX HAVE THE MERCHANDISE BACK AND ALL THREE HAVE REFUSED TO GIVE ME MY REFUND! Dispute # XXXX
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately!
Complaint sub-issue: Personal information incorrect

am a victim of identity theft and I want this fraudulent information removed from my credit report immediatly : XXXX XXXX XXXX, XXXX XXXX Mi XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Complaint sub-issue: Their investigation did not fix an error on your report

Last year I realized that the l was a victim of Identity Theft. After contacting Equifax they along with the other two requested an Identity Theft report from local police. I have sent Equifax the information more than 5 Times and they refuse to correct the 6 Inquires and Collection account reporting ( ALL Not Mine ). Since they refuse to delete the inaccurate information I am contacting you for your assistance. Maybe they have not learned their lessons from the past.
Complaint sub-issue: Debt was paid

This debt was taking care of back in 2005 and is still reporting on my credit report.