Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Non-sufficient funds and associated fees

Hi, I have an HSA account through Optum Bank. I used to be a XXXX XXXX employee when this XXXX account was created. I believe the HSA account monthly service fee was waived when I was employed at XXXX XXXX. I just recently checked the balance on my HSA and noticed I had been getting charged a XXXX fee since XX/XX/2020 which is when I left XXXX XXXX. As a consumer, I have the right to be notified that Optum Bank was going to charge a monthly service fee and I shouldve been provided the ways to avoid the monthly service fee. Unfortunately, I never received any paperwork from Optum Bank notifying me that a fee was going to be charged. Thats a violation of my rights as a consumer. I asked for a refund from Optum Bank but they said their policy only allows for 3 fees to be waived per year. Im sure theres many others as me who are also experiencing the same issue.
Complaint sub-issue: Account information incorrect

Violation of Fair Credit Report Act. Section 604. Equifax reports shows a chargeoff account for Macys. The report states that the account was opened XX/XX/XXXX and closed XX/XX/XXXX which is a total of 12 months and 3 days. 

Reports states that the account has been reviewed for 72 months, which would be a total of 6 years and 8 months. This is obliviously impossible since 72 months is 5 years and 7 months longer then the account was open.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXXl/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act XXXX  account has violated my rights. 15 usc 1681 section 602 A. states I have the right to privacy. 15 usc1681 section 604 A section 2 : It also states consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Information belongs to someone else

There are two fraudulent accounts reporting on my credit report that I have never applied for.

One from Citibank and one from XXXX. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.
Complaint sub-issue: Account status incorrect

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/XXXX
Complaint sub-issue: Account status

My Equifax credit report incorrectly states that my XXXX account was sent to collections. In fact, my XXXX account was set to auto-pay and the collections information was entered as an error. I have disputed this with XXXX via certified mail and filed a dispute with Equifax which was not resolved to my satisfaction. XXXX has removed this account from my credit report and I would like Equifax to do the same.
Complaint sub-issue: Old information reappears or never goes away

My credit score decreased by 67 points. I reviewed my credit reports with XXXX  and Equifax ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.
Complaint sub-issue: Don't agree with the fees charged

I requested deferment from XXXX, my loan servicer, through my graduate school, the XXXX XXXX XXXX at XXXX XXXX. I knew I was graduating in XX/XX/XXXX, and requested multiple times to be placed off of deferment ( there are records of this ), in XXXX and XXXX ( XXXX I believe based on attached form ). I called and spoke to representatives asking what I was to do to avoid capitalization of my loans and the best thing to do with my interest since XX/XX/XXXX ( I ended up just paying the outstanding portion of my interest in case ). The problem then became that, I was stuck in deferment from the months of XX/XX/XXXX toXX/XX/XXXX which was AFTER I graduated. I then requested again out of deferment, and signed a deferment waiver form, in XX/XX/XXXX, to be placed out of deferment. Oddly enough, the XXXX XXXX XXXX finally fixed my enrollment status and reported it to XXXX. Little did I know I was charged {$180.00} in capitalized interest, with NO notice whatsoever, based on the interest that should have been accruing during those two to three months. They stated this was a " forbearance '' and there was nothing they could do about it. 

My point is A ) My school and the loan company knew full well this would happen, and told me nothing about it in writing or online communication and B ) I received no notice about the late money. C ) Finally I was unaware, and STILL am, of how I could have, or done anything to prevent that {$180.00} from capitalizing, and ending my deferment any sooner. In other words, because of another person 's mistake, I am charged {$180.00} ( this is obviously not about being " fair, '' it's about allocation of interest and where it should go. ). I have never been in default and always pay my loans on time. In fact I've paid down my first loan already. So paying extra interest which was was unknown to me is startling and an unfair business practice. 

Please see attached forms, as I was in repayment not only in XXXX, but also in XXXX, as seen in the form.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old .  XXXX   XXXX   XXXX  said to me call Credit Bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize. 

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. 

XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Dept of XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Don't agree with the fees charged

Hi, I have a 2 year XXXX XXXX in XXXX and my loan amount is XXXX. I have attempted numerous times to get this balance to a reasonable amount. The FEES are more than my total loan used to get the degree which came to XXXX. I have tried numerous times to speak to someone and explain that this practice is not reasonable. My loan was sold to another servicer and more and more fee 's were being added on daily and when I paid it, the balance only continued to go up. This not something I could ever pay back or pay to get under control. 
thank you
Complaint sub-issue: Fraudulent loan

XX/XX/2022 I purchased a car from Carvana, I was scammed. At that time my XXXX  score was around 720, I was in lock down because of Covid so I wanted no contact buying and did everything on line. Carvana tricked me into a subprime car loan over XXXX XXXX interest. These loans are for those with out credit or low XXXX  scores. I complained and was told after the fact they dont consider XXXX  scores. Ther car is a real lemon, it has a bad transmission, the under side is full of rust. The headlights have a moisture problem that causes them to shut off with it warning so I cant drive at night. Carvana is being sued by several state att generals for deceptive business practices. They cant do business anymore in many states, there is several class action suits against them. XXXX XXXX one of the owners Ive learned have criminal charges. I am no match for these people. Im a XXXX XXXX XXXX XXXX retiree. I spent over 35 years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am heart sick to think this company has scammed so many of us. I hear the FBI is investigating I hope this is true.
Complaint sub-issue: Card was charged for something you did not purchase with the card

We previously disputed with Citi Business AAdvantage Platinum Select Mastercard a charge for {$130.00} dated XX/XX/2020. The merchant is XXXX  located in XXXX, XXXX. The charge was done on my XXXX ( my wife ) Citi Business card ending in XXXX. Citi did give us a temporary dispute credit, but upon further review of the case ( Case ID : XXXX XXXX ) decided to reverse the temporary credit. This is incorrect because we did not receive benefit from this transaction. We received no service or merchandize from the merchant. 

Here are the details of what happened : My wife, XXXX XXXX, shopped in person at XXXX in XXXX, XXXX on or about XX/XX/2020. She purchased a childs dress for our granddaughter that cost {$29.00}. XXXX attempted to pay with her Citi Business card ending in XXXX but the merchant said that the charge would not go through. So XXXX had the merchant use XXXX XXXX XXXX card ending in XXXX and this charge successfully processed and is correct. Please see the attached document that shows this transaction with XXXX for {$29.00}. 
The childs dress for {$29.00} is the only item that XXXX purchased while shopping at XXXX. XXXX never returned to this merchant on another date and did not authorize any other charges. 
This merchant then processed a second unauthorized charge for {$200.00} dated XX/XX/2020. This one on the XXXX XXXX XXXX card and is the subject of another CFPB compliant ( Complaint ID : XXXX ) with XXXX. We did not receive any benefit for this transaction and then disputed the transaction with XXXX. 
We are unable to reach the merchant. The merchant is located in XXXX, XXXX and we live in XXXX IL USA so we have no way of contacting them. We have tried by email and have been unsuccessful obtaining a response. 

To summarize, XXXX did not authorize the {$130.00} disputed charge of the Citi Business Platinum Select Mastercard. We  did not receive any merchandise or service for this transaction. As explained earlier, the merchant swiped two credit cards on or about XX/XX/2020. First the Citi Business card ending in XXXX that the merchant said did not work, then XXXX XXXX XXXX ending in XXXX. A charge for {$29.00} was processed on the XXXX card that we do not dispute. The merchant somehow stored the card information to fraudulently charge unauthorized charges of {$200.00} on XX/XX/2020 on the XXXX card ending in XXXX, and also {$130.00} on XX/XX/2020 on the Citi Business Mastercard card ending in XXXX. The merchant is dishonest. 
We have purchased thousands of dollars worth of merchandize and services using the Citi Business Platinum Select Mastercard. We rarely dispute transactions and are disappointed that Citi decided to believe the merchant over us. 
We demand that the merchant be held accountable and that the {$130.00} charge be credited to our Citi Business card account promptly. We do not feel safe anymore using our credit cards in foreign countries since the Banks do not want to stand by and protect us from dishonest merchants. 

We are attaching our communication to Citi and other supporting documents shared with them.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am writing your agency because I would like assistance disputing charges on my  Citibank Mastercard. I  have been told that I am unable to dispute charges that are over 60 days old but upon research I have discovered that this is not true and I have the right to dispute these btype charges using claims and defenses. Last year I was contacted about and starting an online business and after paying a company by the name of  XXXX   XXXX   XXXX  {$140.00} I found that my phone rang constantly with products and services that I was led to believe were required and I have since discovered were nothing more than a fraudulent scheme. Most of the related charges were posted on my  XXXX   XXXX  and I have been allowed to dispute them. However, the following charges were on my  Citibank MC an d I would like them to also be disputed as such the charges are : A charge to a company by the name of  XXXX   XXXX   XXXX  in the amount of {$2400.00}.  XXXX   XXXX   XXXX   XXXX  in the amount of {$1600.00 } (  in total I paid them {$11000.00}  ).   There is  XXXX  more charge in the amount of {$4800.00} I paid to company by the name of   XXXX    Innovations who has charged me a total of {$8400.00}.     These companies I believe are committing fraud and conspiring to take advantage of people in an online business scheme. All of these charges are related and I have attempted to work out with the companies but have had no success with these in particular. I would like these transactions investigated as I believe that they deceptively sold me their service, in total and they have failed to provide what I was sold.
Complaint sub-issue: Information is missing that should be on the report

Equifax is NOT reporting a real estate account from XXXX XXXX XXXX XXXX, # account # XXXX. This account is 25 years old ; opened in XX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}.

After speaking with XXXX XXXX XXXX XXXX, they say they report to EQUIFAX every month, but this account is not listed on my credit file. The monthly bill is attached.
Complaint sub-issue: Didn't receive notice of right to dispute

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this. Seeking possible litigation if not resolved. Equifax has yet to look into this erroneous information which is a defemation of my character.
Complaint sub-issue: Problem with personal statement of dispute

I feel I was retaliated against after filing report with your agency. The added comment that I am disputing balance and my balance decreased by XXXX dollar. 

I lost 33 points for doing the right thing. They did not correct balance but dropped massive points due to me disputing incorrect information
Complaint sub-issue: Account status

XXXX Bank XXXX is still reporting negative information to the credit bureaus for a credit card account that I have paid off. The account was never late and paid as agreed.The negative information is still on my credit report after all these years.
Complaint sub-issue: Account status incorrect

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.
Complaint sub-issue: Banking errors

Opened an account with Citi Bank ( Citi XXXXXXXX XXXX XXXX ... promised {$700.00} Bonus ... .I met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have disputed this " collection '' through XXXX and XXXX with no avail. Please see attached for details associated with the dispute. I had made contact with XXXX on several occasions. Noting the attached XXXX visa statement where the credit was issued ( charged in error ). Only later to find this on my credit report. I moved from the home in which I had XXXX services. When I contacted them, they stated they had sent to my previous address. I never once received a phone call or voicemail, I was told to leave the equipment and still paid another invoice for ~ {$1400.00} in addition to the collection charges. I immediately paid the collections thinking this would be removed from my credit report. Please read the attached document for further details.
Complaint sub-issue: Information belongs to someone else

The victim discovered on XX/XX/XXXX on his XXXX report a fraudulent XXXX XXXX XXXX XXXX account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his XXXX report 8 years later in XX/XX/XXXX and on his Equifax report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with XXXX  XXXX XXXX and XXXX, which had led to no results after months of efforts. His XXXX report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the Equifax data breach back in XXXX, and in XXXX during the XXXX XXXX pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of Bank XXXX XXXX and XXXX, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.