davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( XXXX ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

All of my money and bitcoin are missing from my coinbase account and they don't even acknowledge any of my attempts to get in touch with them or discuss my situation. Coinbase has basically no customer service and won't even respond to my emails or any of my attempts of communication. 

At the end of XX/XX/2021 noticed by looking at my account that all of the bitcoin my coinbase account was missing ( worth 10s of thousands of dollars ). After I that it all was gone and my balance was {$0.00}, I reported it missing to the support area on help.coinbase.com about a month ago which seems to be the only way to try to contact support, and still haven't heard anything back. I never got a trade confirmation that anything had been sold or transferred. I never even got a confirmation that I had filed a complaint or a case ID /reference number for my complaint. My coinbase account became locked after I reported the missing bitcoins so I am unable to access this account now and see any status as to what is going on. It's incredible to me that a company thinks it is ok to not communicate with me for over a month and block access to my account, I also sent a message to coinbase support on XXXX and XXXX, and no response. 

If a bank or credit card company did anything like this it would be impossible to imagine the lack of transparency and support. 

This company is about to go public at a valuation of over {>= $1,000,000} while there is zero support and a dangerous platform where large sums of money can mysteriously go missing which is unacceptable. I don't know where to turn.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I mobile deposited a check for {$350.00} on XX/XX/2020. The check was written to XXXX ( XXXX XXXX XXXX ) a business that I own. I have been on the phone numerous times, complained, went into a chase branch, and exhausted all of my remedies. 
I brought many documents into the chase branch to verify that XXXX is owned by me XXXX XXXX. This is not the only time I Have dealt with chase and I will never open account again. I would like for this issue to be resolved. I went into the chase branch numerous times like customer service told me to and still did not receive my funds. 
Chase is the most difficult customer service to deal with, very rude, inconsiderate, and no help at all. Never again
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NJ)

I have applied for the XXXX XXXX XXXX Master card in XX/XX/2021. I was approved and an account was established, however, I never received my physical card. Upon a few inquiries, I learned that additional information regarding identity verification would be required. I happily obliged and mailed in a copy of the front and back of my NJ driver 's license as well as a copy of my tax returns which show my social security number ( in place of a copy of an actual social security card ). I verified these two pieces of evidence would be acceptable before mailing. Fast forwarding several weeks, I kicked-off a series of inquiries and was told that no information was received. I then decided to fax the information using XXXX ( service which thankfully keeps records of time/date and successful delivery status as well as takes pictures of what was transmitted ). I faxed the information on XXXX XXXXGMT ( receiving machine fax ID : XXXX ) and waited a few days before engaging in subsequent follow-up. In my continued follow-up, I was told that no information could be located and then after multiple phone calls, the feedback provided was that not all information has been received ( despite having/offering evidence to the contrary ). I was then asked to resend the information via fax ( mail and fax are the only two allowed methods of transmission and I offered email as well as XXXX as alternatives to helping the company solve their document management process challenges ) which I did on XXXX XXXX-GMT. I then restarted my inquiries with the final one being today where after 2 hours on the phone with a representative and their team lead, they were still not able to locate the documents despite evidence of successful transmission. Hence, I am currently without my card for about a month and a half and the promotion/incentive to have set it up ( linked to spending an X amount in the first 3 months ) is in question. Forgetting for a second the tens of hours spent on the phone as well as the incentive which I will not be able to take advantage of due to the company 's delays, I have significant concerns about the privacy of my data since the company can not seem to find any of the documentation I mailed AND faxed ( twice ). Last but not least, the company stated that they received a copy of my social security card, which is puzzling ( as explained to every representative I spoke with to date ) because I have never sent this information in. There is a clear need for an investigation as to the data integrity and privacy controls at the company based on the inaccuracy of notes taken during my conversations, but more importantly based on the loss of my private information/data. This is not only a violation of privacy laws but goes against all GDPR principles.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2021 I received a New Chase Debit Card. I did not apply nor did I authorize to open an checking account with a debit card. 
I have contacted Chase Bank. After several attempts to resolve this serious concern, I was informed by a fraud specialist XXXX that he could not give any details on this account because I did not authenticate this information originally. I was advised to go to a branch to apply for a Declaration form. 
Once received send this form plus a police report back to their office so they can close this account. There were notes placed on this account today XX/XX/2021 indicating fraud had occurred.That was all they could do for now. 
I am highly concerned. I am not sure how or when this occurred. The fraud specialist noted it was a data breach in XXXX.
Consumer complaint received 2021-03-02
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. (VA)

I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. XXXX has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) JXXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX )
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide name of the original creditor etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (NY)

Purchased a used car for {$23000.00}. My annual percentage rate is 10.79 %. I put {$3500.00} as a down payment. My paperwork states at the end of my least I will be paying {$47000.00}. 

I noticed on my paperwork it has a Finance Charge this credit will cost me will cost {$11000.00}. I find this too high and absurd. I will be making Phone calls and complaining & looking to refinance this loan. 

We do not have an account number yet, this transaction just took place this week. Our Dealer is # XXXX & Our customer number is # XXXX
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (LA)

PayPal cash plus Limited my account I submitted requested info immediately ... after five days and no contact they then closed my account I have called an emailed and they do not care that I can't access my paycheck and I am now about to be evicted from my home
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (MD)

I received an USBank Reliacard for benefits I did not apply for and for a a state in which I do not live. Reliacard provides you no ability to cancel the card or to report the fraud. The automated system will simply disconnect you if you are not providing the information to activate the benefits card.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

The XXXX XXXX Synchrony Bank arbitrarily cut my credit limits on XXXX Cards # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX And the XXXX XXXX that ends in # XXXX. This has caused a collapse in my credit history, considerably damaging something that I have been building with punctual and On-Time payments. These cuts have led me to a Use of these Cards to almost 98 % dangerously stuck to the Limit of use of the line of credit. I have worked responsibly both with them and with other financial responsibilities such as My house My XXXX XXXX  My Cards and other financial activities which are paid for more than 60 months including these cards from this bank I know they are entities that can establish their limits but not to damage the reputation and well-being of the Clients in this case my person I have paid with the In recent months in crisis both in my home and in the entire country despite having been affected by Covid 19 the entire family group and I do not stop being responsible with my debts. In addition, companies can not punish a client just for the rumor that he is in conflict with another institution that is not complying with what the Client asks for and reports me with Late payments when that contract was not born legally due to missing requirements during the Verification of My identity and other requirements duly demonstrated with an email that the same financial institution will send me and they acknowledge that I request to cancel the request within the first few days. In addition, if they review my complete credit history, I repeat what I have would be an increase for my responsibility and not that Punishment of cutting my limit
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (FL)

I applied for a Wells Fargo 0 % transfer card online on XX/XX/2021. I was instantly approved and they requested my transfer account numbers which I did not have hardly. They sent an email stating I could pick up the application later and continue. I came back 5 days later and finished the app and they said it was delayed. 

I called and they said they upon further review they changed their mind and I was denied. But they did not send me a denial communication. 

If they had I would have had time to apply for a different card before this one dinged my credit. 

This is wrong. It's probably allowed because the system protects banks over people but it is wrong.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artist. Services were never rendered. Chase Bank is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX  page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and Chase should go after the scanner just as the would when disputing charges from XXXX or XXXX.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: One Source Technology (OH)

XXXX CR XXXX this case was won in the appeal court and i was released seeing how i am getting credit reports and what not i was sentenced to 8 years XXXX that would put my release somewhere in XXXX
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 
I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

on XX/XX/XXXX at XXXX XXXX, i filled a complaint ( complaint # XXXX ) against XXXX store card - GE because they intentionally failed to send me monthly statements for the past 12 months in order to charge me monthly late fees. 
In response to my complaint, Mrs XXXX XXXX, On behalf of XXXX XXXX intentionally misrepresent facts by stating that " on XX/XX/XXXX, you enrolled at the time of application in our eBill program to receive electronic billing statements. '' This claim is completely false because I have never enrolled in the eBill system and Mrs XXXX did not provide any material proof or fact to corroborate that I did enroll in an eBill system on XX/XX/XXXX. 

Further Mrs XXXX also stated " On XX/XX/XXXX, You changed your statement delivery option to receive paper statements. '' This claim is also completely false and absurd since I requested my account to be close on XX/XX/XXXX and sent a complaint to CFPB on XX/XX/XXXX advising them I requested my account to be close effective XX/XX/XXXX. 
How can I make change to an account that that has been already close? 
The records about my login activity will clearly show no activity on XX/XX/XXXX and our conversation was recorded on XX/XX/XXXX. 

There is a clear pattern of willful and intentionally misrepresentations about the method of statements delivery by Mrs XXXX on the behalf on XXXX XXXX and this clearly amount to Fraud by XXXX XXXX. 

Therefore, I am requesting the refund of {$350.00} for all the fraudulent lates fees that synchrony bank charged me during XXXX and a formal investigation by CFPB of XXXXXXXX XXXX activities regarding fees charged to consumers.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-08-12
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. (GA)

I recently checked my credit report and Equifax is reporting incorrect addresses on my report that does not belong to me. The following addresses does not belong to me and needs to be removed immediately XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting Act the attached accounts, has 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 a account without my written instructions
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill. 
2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill. 
3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill. 
XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum. 

Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. 
2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.