davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

My bank, Chase, has raised my loan rate 8 times for a total of XXXX basis points since 2021 but has not raised my XXXX XXXX savings account rate by a single basis point and still pays me virtually XXXX on my savings. Why are they permitted to get away with that. It is just another example of big bank greed at the expense of mom and pop savers!!!!
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

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
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

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
Consumer complaint received 2023-01-01
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. (VA)

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.
Consumer complaint received 2023-01-30
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. (FL)

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
Consumer complaint received 2023-01-01
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. (PA)

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
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

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.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NV)

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
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

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.
Consumer complaint received 2022-09-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (CA)

I have multiple IRA High Yield CDs that keep renewing. I can not get anyone on the phone ( wait times are hours long ) or on chats ( the bots do not understand my request or they say the wait times are 30-60 minutes when they are even longer than that ). When I try to close the account and request distributions, the website says this can not be processed at this time. I should be able to close my accounts without penalty because I am getting only 1.5 % on some of my money and it KEEPS renewing. They keep saying the customer service is swamped which is probably true, but my finances are being affected by their under hiring. Additionally sometimes when I call, the calls just hang up on me after a certain period of time. This is unacceptable for a bank or any trusted financial institution.
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waveland LLC dba FJM (ND)

A unit was leased from XX/XX/XXXX to XX/XX/XXXX. after XX/XX/XXXX, it changed to a month to month lease. We turned in notice to vacate and move out of the unit XX/XX/XXXX. Rent was paid in full through XX/XX/XXXX and I never received a move out statement or my deposit of XXXX back. We were being harassed and stalked the entire time we lived there and the landlord was contacted about the neighbor 's dog ( who the landlord stated to me that they were not aware of but nothing was done about the attack dog ) as well as someone coming onto the patio and tearing apart items on the patio that I had purchased. someone also left a dead animal in our garbage can. attempts by someone to enter the unit while we were there was made by someone ; as the ring alarm would sound off in the middle of the night while my kids and I were asleep upstairs. I gave notice to vacate! XX/XX/XXXX, I have received an alert that a collection for {$500.00} was placed on my equifax credit report by a debt collection agency that is acting on behalf of XXXX XXXX property XXXX. We have tried contacting great plains and we get no answer. I was unable to turn on the keys directly to a person when moving out because they are rarely in the office so I put the date of return and placed all the keys in their drop box upon move out. since we moved out, we have not heard from XXXX XXXX and now they are trying to use a collection agency to collect money that we do not owe them. They should be returning my deposit of {$1000.00}.
Consumer complaint received 2022-08-03
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. (PA)

In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A 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 2023-01-01
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. (NC)

I've sent in disputes to XXXX, equifax and XXXX. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times
Consumer complaint received 2023-01-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WI)

I purchased a treadmill from XXXX XXXX XXXX The billing date was XX/XX/2022. There was an introductory free XXXX interactive service that could be used with the treadmill. It was free for a month. Of note is my treadmill did not work. I contacted XXXX XXXX XXXX via email on multiple occasions ( a waited on hold for hours while never getting someone to answer ). When I received a email on XX/XX/XXXX indicated I would now start being charged, I sent an email indicating I did not want the service -- -- I couldn't use it with a broken treadmill nor did I want to pay XXXX. 

XXXX attempted to charge me for the service on multiple occasions. Discover Card sided with me on the XXXX instance which was likely XXXX but since then have sided with XXXX. They have indicated that since I never received an acknowledgement from XXXX, they were going to side with them. 

Note that it is in XXXX 's best interest to ignore my cancellation and continue charging me. There is no incremental cost for them whether I used the platform or not... but I never used XXXX. It is in XXXX 's interest to continue to ignore my requested cancelation and charge me. 

Of note, I have never used the XXXX service during this period. 

I have since cancelled my credit card with Discover Card after being a customer for decades. There are multiple charges either under review or Discover sided with XXXX. The total amount in dispute is likely XXXX. 

During my most recent conversation with XXXX from XXXX on XXXX, I recorded the conversation including their position that I needed an acknowledgement. XXXX was aware the conversation was recorded.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (PA)

I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue resolved.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I paid for a car repair on XX/XX/XXXX with my debit card. 3 months later I had the same problem. I approached the dealer but he refused to refund. I went to Chase bank. I put in a dispute on XX/XX/XXXX. At the time I was not told of statute of limitations. They credited my account for {$3600.00}. Then 3 weeks later they reversed it. My account was overdrawn. I feel that I was treated unfairly. I should have been informed of this policy. I want the bank to reimburse me now.
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: HANCOCK WHITNEY BANK (CA)

I sent {$100000.00} to my XXXX IRA, missing 18 cents When I wire transferred the 18 cents their bank they chaged me {$15.00} for the 18 cents I am a retired person XXXX years old with a family, and I learned that I need to save even my pennies for my retirement. The bank name is XXXX XXXX XXXX Address : XXXX XXXX  XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX My XXXX XXXX  branch in XXXX CA , didnt charge me anything for my wire transfer I need a refund for my {$15.00}, as for me as a retired person, not a small amount Thank you in Advance Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX CL
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

On XX/XX/2020, PACIFIC CREDIT SERVICE added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, PACIFIC CREDIT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-09-30
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. (MA)

Equifax has violated 15 USC 1681i ( a ) ( 7 ). Failure to complete reinvestigation request and response. This is in reference to CFPB complaint # XXXX but this is NOT a duplicate. Please see attached documentation as proof : Initial Investigation that was claimed " Verified '' Letter to Equifax Proof of received Letter
Consumer complaint received 2023-03-21
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. (MA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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