BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I would avoid u sing Ally. Their return policy is deficient, my vehicle sat on the dealers lot for 4 days before someone inspected it. In that time damage appeared and now I am held responsible for the damage. The inspection should be  done while the owner is present, like most other leasing companies do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In  XXXX / XXXX / 17  I made mobile deposit of my pay check {$620.00} which it told me would be available on  XXXX / XXXX / 17 . I later got a email saying {$420.00} was being withheld until  XXXX / XXXX /   17  due to overdrafts in the past 6 months. Firstly the did not give me access to the {$200.00} until  XXXX / XXXX /   17  after I called to inquire about it. As of  XXXX / XXXX / 17  it shows the full check being deposited as of  XXXX / XXXX / 17 . I think it is very wrong for me to be charged {$100.00} in overdraft fees for money they held just to be nasty. It usually takes the bank  2-5 da ys to receive payment for cashed check not 11 days. I do n't feel I should be penalized for this. The check deposited covered charges made and I believe I should be refunded {$100.00} that was charged in fees. The bank statement is showing {$620.00} as being deposited on  XXXX / XXXX / 17 . I should be refunded {$100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
There are two problems concerning  Loan Care LLC .   First When I applied for this mortgage I was never asked if I had a job. At that time I did not have a job I was on unemployment. My thought was if they would give me a loan I would some time to find a new job and continue my payments. I did not find a job. The whole process was really a strange experience. The lady that came to do the mortgage came at  XXXX  at night, and did not get done until around midnite. Plus she did not seem to know what she was doing. Since it so late she could not call her office to ask questions.   Secondly, I have been trying to g et Loan Care to  clear my credit report from the reporting agencies since  XXXX  of   XXXX  , and I just get a runaround. They admit that it is past the time to take it off the credit bureaus. I think  Loan Care may h ave done things during my application process that were not to the rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am XXXX. Communicating by email works best. 

I have a Best Buy credit card issued by CITI. 

In the past, I noticed there are charges for 'debt protection insurance '. I did not know about this, not did I knowingly sign up or agree to anything of this nature. I called and had it removed before and informed them that I want that to cease entirely. I was told it was removed and stopped. 

I am now seeing the same charges monthly. I would like all of them removed going back to the date of opening this credit card. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Over draft fees even tho I had money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following credit inquiries were not made by me : COAF XX/XX/2022 Capital One XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 I believe it is fraud and want them removed immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX, Equifax and XXXX has violated my rights by having Bankruptcy XXXX XXXX XXXX XXXX XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 Portfolio Recovery Assoc Opened a collection Account # XXXX XXXX $ is what I owe Ive never signed a document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 
I dont know who they are and not written consent on my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three bureaus XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: FIRST MERCHANTS CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a joint account with my mother for years to help her pay her bills. 
When she passed away, they closed the account shortly after I took in the death certificate without my knowledge. They said I had to establish another brand new account in my name. They would not let me look at any previous transaction that I made to the account for bills. I had her mortgage coming out automatically from the checking account. The next month I get a double bill from the mortgage company and a XXXX late fee. MY brother 's account is also listed, and checks were bouncing because they would not honor his checks. I have been to this bank more than several times to try and fix errors on their behave. First merchant bank in XXXX Illinois is a few miles away from me. 
I drove to XXXX Indiana 3 times to try and fix things. Either they want my ID or my brother ID which I have given them multiple times. The last event was they would not allow my brother to cash a check. I signed the check for him, but they said I must be present with my brother for him to cash it. They have my signature on file. He has cashed checks before without me being there. They are inconstant and will tell you anything that comes to mind when you call for help. I have been on the phone with them for many hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX located in XXXX XXXX, California sent me a bill for {$2700.00} in connection XXXX which has been deemed XXXX necessary for pregnant women over XXXX years of age XXXX XXXX ). I spent a great deal of time discussing with my insurance company to understand why it was n't covered and with my doctor 's office -- XXXX saying the invoice should not be that high. XXXX then sent my debt to Credit Collection Services in XXXX MA to be collected -- for the full amount of {$2700.00}. I called XXXX, and after explaining my insurance does n't cover it and my doctor 's office believes it should be much less, the XXXX rep said, " Oh, well, we do apply a 'client assistance discount, ' so the actual amount should be {$140.00}. '' A friend of mine was pregnant last year, and she had the same experience. Looking at the internet, people are reporting this practice everywhere -- sending an high invoice and then sending to collections quickly thereafter to try to collect the entire amount. XXXX is sending people to collections with inflated invoice numbers. I followed through enough to figure out that I should n't be paying this amount, but other consumers should be protected from this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EQUIFAX is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) EQUIFAX has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 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, as well under 15 USC 6802, 12 CFR 1026 and 1022. XXXX has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. EQUIFAX has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and EQUIFAX has not complied accordingly. This leads me to believe EQUIFAX ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Bank transferred money on the XXXX XXXX to my account with Coinbase ( over 300 to be worth of euros ). It was sent before XXXX, and the money was out of my account the same day. Their company says it will take 1-3 working days. On the XX/XX/XXXXand XX/XX/XXXXI emailed them asking where the money is, and how long until it is in my account. I have heard no response back from them, and it has almost been a week since I sent the money. This massive delay in transactions has cost me greatly, both in missed opportunities for investment ( $ 3500+ worth lost, due to this delay ) and the worry that has been caused from it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ARS National Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is not my debt. This is the debt of a family member. I was contacted several occasions and left voice messages on XX/XX/22 and XX/XX/22 by XXXX XXXX ( XXXX ) of XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). On these voice messages there was threatened action of contacting employer, filing claims against SSN, accessing personal financial records of said family member/disclosure of debt. I attempted to call back to ask for my number to be removed and was unable to reach this person. I chatted online at the ARS asking how my phone number was obtained as the family member of the debtor and was told they didnt know and I had the wrong company. I would like this harassment to stop and will be filing additional complaints with state agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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, and XXXX XXXX XXXX  have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: DISCOVER BANK
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpo

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This that capital one credit card is not mine that was actually someone stealing my identity also the XXXX XXXX associates for XXXX XXXX whatever in XXXX that 's not mine either and there is also something right after that for some XXXX or something also in XXXX Louisiana that 's not mine either so those need to be removed we were hoping some kids get off the street and get back into the workforce and I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am writing about the illegal practices Robinhood has engaged in, including false advertizing, disclosure of PII possibly linked to CCPA, failure to provide customer support. 
They advertize that they accept and pay for XXXX transfers from other online trading platforms to them. Their marketing materials, website, user flows, help center state that there is no minimum for the transaction and that they would pay for any associated fees, charged by the originating platform, up to {$75.00}. 
I've initiated 3 transfers, they all failed. I've raised cases XXXX, XXXX and XXXX to get resolution on these issues. 
For the first 2 transfers, I was told that the balance I'm trying to transfer is too low and it has to be above {$75.00}. This contradicts their promises and constitute false advertizing. When I asked, repeatedly, how that reconciled with their claim that there was no minimum amount for the transfer, I was given no reasonable answer. 
In Case ID : XXXX, instead of sharing my information, they sent me information about a user named XXXX and the names and amounts of shares this user holds in their account. 
In case XXXX, I was told that : - " Your transfer was unsuccessful because your other brokerage firm uploaded a larger debit amount than Robinhood can accept '' - which is false - my attempt was " rejected today XX/XX/2022 due to insufficient funds to cover a debit balance '' - how is that possible given the above statement? 
- " Your incoming transfer includes a - {$75.00} charge from the brokerage account/firm you are transferring from. Since your Robinhood account nor your delivering brokerage account have enough cash to cover this - {$75.00} the transfer can not go through. '' - That again is false as the amount I was transferring at that point exceeded {$75.00} even though, as mentioned above, I believe that per the promises made by Robinhood to the consumers, this limit should be irrelevant. 

I've exchanged over 20 emails and multiple in-app support chat messages with Robinhood support XXXX However, their support is utterly incompetent where all they have done was provide me with false information, referred to the wrong transactions, disclose other consumer 's sensitive information. In the end, I received the following statement from them via email : " This is XXXX. This is the final response we will be providing in regards to your failed transfer as we have provided an answer to this various times ''. 

I took the conversation to XXXX, where sent 15 messages tagged to Robinhood executives and their support team. I've gotten no traction and no resolution.

Company response to consumer: Closed with explanation