davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (AZ)

On XX/XX/2021 I opened up an account with Crypto.com. They have different debit cards you can choose from, all having different requirements to receive their respective benefits. 

I accidentally chose the lower tier, blue card when I was actually attempting to choose the Ruby card where you had to stake {$400.00} worth of CRO, which is Crypto.com native token. 

Upon realizing my mistake, I immediately reached out to support to determine if I could eliminate the request and simply make another request for the Ruby card. The representative told me the only way to do this was to purchase the {$400.00} worth of CRO and have them " stake '' it for me without issue. 

I went ahead and did so, providing screenshots and evidence of the purchase. 24 hours later, I was notified that because there are market changes in price, that I would have to purchase the amount needed to bring the amount of value back to {$400.00}, because in the time it took for them to get back to me the market had shifted. Obviously, I know that there are market fluctuations. However, I was not told that if the market did indeed shift that I would then have to purchase more tokens. In the 24 hours it took for them to reach a conclusion, the market had shifted negatively. 

The lack of customer service and practicality is almost criminal in nature. There was no reason that they could not have simply understood it was a mistake from the outset and offered the ability to stake the funds normally again. Instead, they mislead me and then proceeded to a 24 hour turnaround time before letting me know what their " decision '' was. No one was going to win or lose anything by just making the situation resolved without asking me to spend money without being provided all info regarding the steps that would be taken to reach a potential resolution. 

If a company like Crypto.com ( sponsor of the XXXX ) is going to be acting recklessness and impractically like this, the public should be aware of it. I thank you in advanced for your prompt attention to a space that is clearly not all fun and games. 

Sincerely,
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (GA)

Lendmark is currently negatively reporting an account on my consumer report. I sent off a letter telling them that I do not owe the alleged debt and they need to cease and desist communication. I also requested for them to send me all information that they had in their records so I can validate the debt which is my right as a consumer. They then proceed to send me an alleged contract bearing signatures and it also contained different dates on there as well as the TILA disclosure. Not only did they alter the alleged contract, but they also have violated TILA by failing to disclose to me that the finance charge is actually the sum of ALL charges and letting me that I had the right to rescind the contract as stated in TILA, 15 USC 1635 says " in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained, the obligor shall have the right to rescind the transaction until XXXX  of the third business day following the consummation of the transaction ''. They also failed to provide me with any documentation that showed that I owed them anything. Instead, they falsely obtained this account and are harming my reputation by reporting the account on my consumer report.
Consumer complaint received 2021-11-11
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: Harley Davidson Financial Services Inc (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX ; this is in violation of the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-11
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: Westlake Services, LLC (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

WESTLAKE FINANCIAL SVC XXXX Balance XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on the following accounts : LVNV FUNDING LLC XXXX Balance : {$680.00} ; LVNV FUNDING LLC XXXX Balance : {$2000.00}
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (WI)

There is a inquire on my credit report from XXXX XXXX that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist has been putting administration holds on everyones deposited checks when done through mobile deposit. I have been depositing checks on mobile ( BB & T ) for 3.5 years and never once had s bad check or a bad standing with the bank. Yet, they have decided to hold 5 checks for over {$6600.00} dollars in one week. That is for payroll for my company and for my family to survive. THIS IS CRIMINAL! It is happening everywhere with Truist. There are hundreds of complaints online about this exact behavior in the last few months. 

3 of these checks are bill pay checks where the other bank verifies the funds before sending the check!!! I have been depositing those same checks for over 3 years and never had a hold or a bad check!!
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc. (CT)

Avant has charged off an account opened around 2014, a loan amount of {$6800.00} plus interest accrued until charge off date, which is not known to me. The account may be reported to credit bureaus which is not confirmed as of yet, do not have copy of credit report available at this time. I've requested Avant remove account from credit reporting several times, if reported, past CFPB complaints filed in re, Avant remains evasive about matter as they have not addressed issue in their replies. Their last reply seems to suggest I make payments, payment information provided including number to call, in which case, no payment ( s ) will be made as the funds were never received from loan. I applied for loan, did not receive funds, as explained in prior CFPB complaints. Avant further replied by supposedly opening a fraud investigation, even after account charged off and considering the fact I did apply for loan.. Avant seems to imply fraud is involved, claims to have emailed me information about fraud claim, no such email received to date. Any fraud claim is irrelevant at this point in time, it appears the account is now too old to be reported to credit bureaus, if in fact reported, which is unclear at this time. Avant simply needs to remove account from credit reporting, if in fact reported.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Inaccurate Information and Violations of Laws & 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 that a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed XXXX XXXX XXXX XXXX  CASE NUMBER : XXXX Bankruptcy Dates XX/XX/year>, XX/XX/year>, and XX/XX/year> with all credit reporting agencies. in response they verified the item as accurate, stating they verified the information with the courts. I contacted the courts and their response is attached it's clear the courts do not report to any credit reporting agencies ; therefore, their initial response verifying the item with the court was an error or fraudulent. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), and the information must be deleted Immediately. 

I'm attaching an affidavit and photo identification as proof of identity to expedite the process. 

Thank You
Consumer complaint received 2022-01-06
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-06
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: AMERICAN EXPRESS COMPANY (MA)

In spring of XXXX, a relative was held in XXXX custody, and the prison told us to use XXXX for phone calls with them. Our last " authorized '' charge with them was back in XXXX. In XXXX out of the blue, they charged my AmEx card {$39.00} four times on XX/XX/XXXX, XXXX, and XXXX. I didn't notice the one on the XXXX, but I disuputed the last 3 with AmEx after trying to get a refund from XXXX. 

I have included additional information in the attached PDF, which was my response to AmEx 's finding in XXXX 's favor. 

XXXX 's response to Amex for each dispute was a 10 page PDF response, nearly identical : - they had computer logs showing we first visited the site at <EXACT TIME OF CREDIT CARD TRANSACTION> and registered for a new account with XXXX e-mail address ( How do they have computer logs saying I first visited the site at the exact same time of the credit transaction? You'd expect a few minutes delay. ) - XXXX 's web site does not even allow allow you to open multiple accounts with the same e-mail. ( Their form letters are claiming each of those charges was for a new account for the same e-mail. How is that possible? ) XXXX XXXX 's response contained screen shots of the new user form showing a totally different amount than {$39.00} - It listed an IP address we used to login to the service back in XXXX, but we were in the middle of the XXXX XXXX in XXXX ( verifiable with travel documents ). 

AmEx accepted the merchant 's explanation. A close reading of the responses from the merchant would show they're lying. 

I asked American Express for a merchant block back at the end of XXXX, but again today ( XX/XX/XXXX ) there is a new charge from XXXX. AmEx told me the merchant block didn't work, so they tried again. 

I don't know what to do : - (
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, my name is XXXX XXXX & I'm a victim of identity theft. I want the accounts & inquiries that I did not authorize to be deleted from my credit report immediately. I have reported the theft of my identity to the federal trade commission. I have enclosed copies of everything. Please delete the accounts & inquiries immediately, please!
Consumer complaint received 2022-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My wallet was stolen and an individual named XXXX XXXX tried to buy a car using my information as well as his. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ran my credit through five different banks trying to get a loan for this individual without my consent or me being there on XX/XX/2022.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Four years ago I went to Bank of America to give them a power of attorney for my mother who was in a XXXX XXXX with XXXX. I already had an " in trust '' account for her where she received her Social Security check. The Bank of America Relationship Manager said I had to close the XXXX account and open a new POA account for her when I already had an XXXX account. I also had to change where Social Security sent her check due to the change. Now my mother has passed away, the POA is no longer valid and Bank of America is requiring that I go through probate. I believe they wanted me to open a new account to increase their productivity numbers, as that was the practice at the time, as was investigated and Bank of America was sued for later on. I've been informed that XXXX account was an account that I had capabilities I needed for my mother who had XXXX. When they switched me to a POA account and upon her passing, I have lost the ability to close her account. Bank of America has now frozen her account. I was mislead to close the XXXX account and to open a POA account. The Bank of America Relationship Managers and the Estate Unit Managers are demanding I go through Probate when I would not have had to if I had not been mislead. In XXXX XXXX Florida you must have an attorney to process a " Petition for Summary of Administration ''. Attorney fees start at {$1500.00} and the filing fee is {$340.00}. That is a total of {$1800.00} at minimum. The amount in my mother 's account is {$1200.00}. Bank of America is forcing me to leave the money in the account instead of allowing me to close it. I truly believe they mislead me into opening another account for her social security benefits when we didn't need to open another account. Now the POA has expired upon her death. The XXXX account was opened at another branch prior, the branch manager, forced me to close it and open another account. Now I can not access her account because they froze it. It makes no sense to go through probate and pay {$1800.00} when I'm trying to retrieve {$1200.00} and close the account. I have been a Bank of America client since 1998 and a XXXX client for years. I am seriously considering taking money elsewhere if this is not resolved in my favor. A Bank of America employee created this problem, he has now been terminated, therefore I hold Bank of America liable. I have done my due diligence and I hold Bank of America liable.
Consumer complaint received 2022-04-22
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. (NY)

Equifax froze my credit and regardless of conversations with Equifax, they will not unfreeze my credit. Each time I go through the painful customer support process the agent says they have unfroze my credit but they have not. Hours have been spent on this specific query and Equifax purposefully makes it difficult to get in touch with agents in an abusive manner to consumers
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There is a inquire on my credit report from XXXX XXXX that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (LA)

I am a XXXX XXXX for a small Subchapter S corporation. We have three accounts with Regions Bank. There have been an attempt to defraud the account which the Bank successfully blocked, however since the last 4 days beginning from XX/XX/2022 and running, my and the company 's CEO 's access has been blocked on line. I can not get any information through the Bank 's call center as to what I need to do to fix this situation. I have made three trips to my local branch attempting to restore my access to the money. I was told by the Branch Manager, XXXX XXXX, at my local branch of Regions Bank located at XXXX XXXX XXXX XXXX XXXX that the access has been restored to all accounts and provided with the reset information, all to no avail. My access was blocked. My ability to meet company payroll obligations are in peril because of my inability to access the accounts. I tried to do a transfer from the company 's main account to the payroll designated account, yet despite assurances that all is restored, I was blocked from doing interaccount transfer which will result in overdraft fee due to schedule federal quarterly employment tax obligations, as well is the state, not mentioning other company bills and obligations. All my pleas with the Regions are met with indifference and lack of ergency. The Bank Fraud Department refuse to provide any information in writing or orally, and keeps sending me to my local branch.
Consumer complaint received 2022-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been informed of the XXXX security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to XXXX.