davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-15
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX2015 I ordered, via XXXX, a XXXX article subscription of the XXXX XXXX for XXXX. This came though my XXXX account which is not my default email program which mean I do n't look at it unless necessary. 
Then on XXXX/XXXX/2015 that XXXX XXXX subscription turned into a, unbeknownst to me, {$15.00} a month subscription. This was reoccurring so before I could notice another charge incurred on XXXX XXXX, 2015. 
When I figured this out, I attempted to unsubscribe from that which I never subscribed to in the first place. The form required a user ID and password for the subscription. This I did not have because I was not a subscriber to the XXXX XXXX. Moreover, the XXXX Kindle {$1.00} payment did not required the set up of a user ID or password. That 's not the way Kindle subscriptions work. 
As a side note I should have known this was a scam because the subscription process required an email address where I submitted my XXXX address. I say this because all Kindle subscriptions come to my Kindle via XXXX Kindle account. 
I did not subscribe to the XXXX XXXX digital newspaper for {$15.00} a month. Nor have I ever subscribed to the XXXX XXXX for a monthly digital subscription. This was a bait and switch by the XXXX XXXX via XXXX Kindle. Buy a XXXX article subscription for {$1.00} that turns into a {$15.00} month subscription. 
I contacted Bank of America and filed a dispute. Then Bank credited my account a total of {$31.00}. And then reversed that credit. I called the bank and they told be that was going to be taken care of and that my account would be credited for the total amount. 
Then I checked my account and the amount of {$31.00} was not credited. 
It appears to me that BOA is siding with the XXXX XXXX. This is a rip off. The XXXX XXXX went through my XXXX Kindle and gave a {$1.00} offer for XXXX articles and then somewhere in the fine print ( read on a XXXX inch screen ) that {$1.00} dollar turned into a reoccurring {$15.00} charge on XXXX XXXX, 2015 adding up to a total of {$31.00}.
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

My auto loan company started to call me at my place of employment, leaving messages on a shared voicemail, sending emails through my work email, making repeat phone calls through my work phone. When calling my work cell at no time do they ever mention 1. who they are 2.that they are debt collector, just their name and to call them. After getting repeat phones calls from the time I arrive at work until XXXX at night. XX/XX/XXXX I sent a email to the manager to stop harrassing me while I 'm working. i received his response on XX/XX/XXXX stating the he place the cease and desist on my account, as per my request and will be honoring the cease and desist going forward. However sin the last few months I have received over XXXX threatening calls/emailed combined on my work phone and shared email account. when i post my XX/XX/XXXX payment on line as requested by a letter i received in the mail that it must be paid by XX/XX/XXXX, immediate after it posted I received another threatening call telling me I 'm still not caught up. Please help me in this matter I 'm a XXXX and receiving all of these threatening calls and emails are causing a great deal of stress and try to do my job so that i will have monies to pay my loan.
Consumer complaint received 2015-06-19
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (GA)

I am XXXX veteran on XXXX XXXX a transfer was made from my account ; in the amount of {$1200.00} from my direct express account without my authorization, I have sent several letters and all requested information, regarding the dispute ; was told today, they closed the investigation ; without discovering what happened to my money. Please help me recover my money. I have tried repeatedly to get answers from direct express, without any response!
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I recently sent multiple letters regarding the inaccurate information I found on my credit report. It was more than 45 days since but I did not receive any response or results.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I deposited a check on XXXX was told there was a hold until next business day. That evening I received an email that said funds were on hold for 7 days. On XX/XX/30 I received my direct deposit from my employer. I went to transfer funds to pay bills and was alerted that there was an alert on my account and I needed to call in. Called in to find out that they have frozen ALL my funds and Im unable to withdraw any money from account. I have called in multiple times and every time I call in they have no updates as to when this freeze will be lifted. That is all my money and I have bills and food that need to be paid/bought. Bank of America has handled this extremely poorly. Please advise as to how we can get this resolved ASAP.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (DE)

XX/XX/XXXX statement on Chase credit card - balance of {$1200.00} ( approx ) Paid entire balance on XX/XX/XXXX ( before XXXX due date ) XX/XX/XXXX statement - balance of {$7.00} for " residual interest '' Per call with Chase customer service on XX/XX/XXXX - residual interest charged for period between XX/XX/XXXX and payment date. 
would not waive residual interest and had to pay No mention on XX/XX/XXXX statement that even if entire balance paid, would still be responsible for residual interest through payment in full date.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (WA)

My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX, Washington. I am XXXX XXXX XXXX. 

On XX/XX/2022, Key Bank allowed multiple fraudulent transactions to occur on my business checking account without my knowledge or consent ( {$48000.00} ). Key Bank allowed a criminal to call in through their automated service number and fraudulently transfer {$5000.00} from my business line of credit to my business checking account to ultimately steal. Key Bank allowed transactions to occur over the phone without vetting that they were actually speaking to me. Below is a list of transactions that Key Bank allowed to happen without my knowledge or consent : XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6800.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$4900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$5000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6300.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Phone Transfer from business line of credit {$5000.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} Key Bank Case # XXXX XXXX XXXX Police Department Case # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CFPB Case # XXXX XXXX XXXX XXXX fraud happen to him in XX/XX/2022 with Key Bank in which criminals were able to XXXX {$430000.00} successfully. Key Bank did not refund this fraud. 

I am not affiliated with XXXX XXXX and XXXX XXXX XXXX in any way other than we both bank at Key Bank.
Consumer complaint received 2023-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AZ)

My rights have been violated in relation to an account on my credit report. 
I.C. SYSTEM, INC XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is XXXX XXXX accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is XXXX XXXX correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I have two existing checking accounts at Citibank ( Citi ), and I recently applied for and was approved for a Citibank Executive Mastercard ( MC ). Shortly after my MC was activated, I received an email from Citi advising me that for my " convenience '' the MC was linked to the existing checking accounts. This was done without my consent or approval. I called Citi and advised that I did not want the accounts to be linked. To ensure the accounts would not be linked, I was instructed to create a separate User ID for the new MC, which I did, and the accounts were unlinked. Within 24 hours, the MC was again linked to the checking accounts. I called again, and the account was unlinked, only to be linked again in 24 hours. I went through this exercise for the next three days where my MC was unlinked then linked back to my checking accounts. I called Citi to complain that they are tampering with my account without my consent. They keep linking the MC to my checking accounts without my consent and against my explicit wishes and instructions. In fact, they are altering my account without my approval as they are utilizing a User ID for the account which I did not authorize since I have established a specific User ID for the MC.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CB1, Inc. (MT)

I received a letter from a debt collection company dated XXXX XXXX, XXXX ( attached ) stating I owed their client {$160.00} before penalties. When I added the alleged amounts up, it only came to {$81.00} and I disputed everything in a letter dated XXXX XXXX, XXXX ( attached ) and requested information to prove the alleged debt. I received a response back from the debt collector dated XXXX XXXX, XXXX ( attached ) showing even more alleged debts and adding up to the original {$160.00}. They stated they would get me the information I requested. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call from the debt collector. They stated, " If I want the detailed information, I would have to contact the original creditor myself. '' In other words, the debt collector does not have the detailed information and can not provide it to me. They 're only going on the word of the original creditor the alleged debt is owed.
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (MI)

I paid {$140.00} from my PNC Bank debit card for services at a hair salon. Long story short, I was not happy with the services and disputed the charge. The salon knew what they did and offered to pay me {$100.00} of it back. I accepted the offer and said they would mail me a check. When I did n't get the check after 8 days, I disputed the entire {$140.00} at the bank. They credited my account immediately, then determined later that I should not get my money back. I received a letter in the mail stating they were taking the funds back out of my account on Tuesday, XXXX XXXX. 

I called them to re-dispute it on Monday, XXXX XXXX. I was read a script to let me know that " I would have full use of the funds immediately '' until another determination was made. Instead of making the funds available, they took them out. 

The following day, my auto insurance was debited, over drawing my account. I was then charged a {$36.00} fee on XXXX. I made a complaint on Thursday, XXXX with the bank and received a call today, Saturday, XXXX from XXXX XXXX in the Escalations department. He said there was nothing they would do about the fee, and they were n't putting the {$140.00} back in my account. 

I 've had other frustrating experiences with PNC 's customer service in the past. I just have n't had anything legal or ethical to report until now. 

Also, I can not copy the full information from my bank account online. The system wo n't let me. I did however, copy the page and it does reload to see my acct information. Here is the link : file : XXXX The {$20.00} Final Dispute Credit on XXXX was {$20.00} that the ATM machine took from me on XXXX XXXX when I tried to deposit {$180.00}, but did n't get credited to my account until XXXX XXXX.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (HI)

I entered into a service agreement on XX/XX/XXXX with XXXX and paid the deposit of {$330.00} on my fiance, XXXX Chase Sapphire credit card. We hired XXXX to have our dogs transported from XXXX to XXXX. Ten days before ( XX/XX/XXXX ) the pets are to be transported, XXXX was supposed to submit the forms required by the Hawaii Dept of Agriculture to ensure my dogs will be released from the airport. Over a period of 5 days ( From XX/XX/XXXX ), I had emailed the business four times and left one voicemail but the company went completely silent. XXXX then called Chase Sapphire on XX/XX/XXXX and connected with the Fraud department to dispute the deposit since XXXX did not perform the service as agreed upon in their own service contract. Chase then calls XXXX and XX/XX/XXXX actually picks up the phone this time. XXXX denied any wrong doing and denied ever receiving any email or voicemail. XXXX also said that her services are no refunds after 7 days and because of that statement, Chase fraud rejected our claim. When I asked about the business breaching their contract, the Chase Rep stated that we would need to file with small claims court because it clearly stated that there were no refunds after 7 days. The fact that the business never delivered on their service was " another issue, '' per the Chase Rep. We 're stuck with the charge because I signed a contract that said No refunds after seven days.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. They would need Equifax to correctly dispute with them the information for resolution. I called Equifax many times and they refused. I did an online disputer and it was closed almost immediately to which XXXX of Equifax customer service representatives stated that they generally just close them out without further inquiry. I would like Equifax to correctly inquiry and resolve this issue and remove the Hard Inquiry as there is no information from XXXX XXXX Credit, no account records and no application history or any information leading to any reason of a credit inquiry to begin with.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TX)

Credit Report shows collection agency WAKEFIELD & ASSOCIATES was reported XX/XX/2023 for some kind of XXXX XXXX XXXX. I have not had this service and have not been contacted in any way by the original creditor or the collection agency. I only was made aware when reviewing my credit report. It has now reduced my XXXX credit score by XXXX points! Please help.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

For over three years Equifax has refused to give me my credit report. XXXX and XXXX have given me my credit report. XXXX asked me the following : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? My answer XXXX What is your total scheduled monthly payment for the above-referenced mortgage? 
{$1100.00} - {$1200.00}. As of XXXX XXXX, 2016, my payment is XXXX, down from XXXX, my answer, the current payment of XXXX. Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? My answer : XXXX XXXX XXXX. Your credit file indicates you may have had a student loan, closed on or around XXXX XXXX Who was the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE. My answer NONE OF THE ABOVE All of my answers are CORRECT, XXXX has erroneous information on me and is using this to hold my FREE report. My student loans were with XXXX Bank. It is 8 years later, these accounts are closed, never latter.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (CA)

I tried to transfer my money out of my savings account from eTrade/Morgan Stanley . Every time I try to transfer money out of the savings account they flag it for fraudulent abuse. Every time I have to call in to verify that I am actually myself in order to transfer my money from my account and every time the verification process gets more and more ridiculous. I have to had to take pictures of my id and upload them using their app on 3 different occasions. The time before last they required a picture of a handwritten statement that they dictated to me on the phone to write. The last time they demanded another picture of my driver 's license and called not one but two other of my financial institutions ( XXXX XXXX XXXX XXXX and XXXX ) to cross reference my financial activity and verify my identity then they demanded a picture of my social security card. And no reasonable person carries their social security on them at work during working hours I couldn't meet their demands to re-re-re-re-verify my identity to them. They told me to upload the picture when I could.

Etrade/Morgan Stanley has now locked me out of all the accounts I hold with them and I have made multiple hour-long phone calls waiting to speak to a human to check the upload section of my account profile. They are not picking up their phones. They have essentially locked my money in their bank and now refusing to open the doors to let me make a withdrawal, which if you gave me your personal money to hold and I refused to give back when you requested it and demanded you jump through a bunch of hoops and then cover my eyes and ears and pretended to ignore you. You'd call the cops and they'd arrest me for the theft. And as far as I can tell you guys are the people I file a report with about a bank refusing to give me my money that I had in a savings account with them. 
P.S. I have typed out and filled out this whole report while on hold with their automated phone services waiting over an hour to speak with a nonexistent human.