davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (NJ)

The Bank is refusing to honor its Promotion and credit the account with an Incentive Bonus. 

XX/XX/year> the Account was opened under Terms and Conditions for Business Checking Up to {$1000.00} Cash Bonus Offer. 
While the Conditions were met the Bank have not honored the Offer within its Terms. 
After numerous Requests and Reminders the Bank made partial Bonus concession with the use of arbitrary interpretation of Offer 's Terms and Conditions that resulted in arbitrary application of the Offer to different Accounts. 
The language used in the Promotion is deceptive in its contradicting requirements not consistent with Secure and Normally Practiced Banking Relationship, follow up clarifications provided by Bank 's Representatives was latter dismissed, although the language of later versions of Promotions was changed to reflect the clarifications. 

" On Day 90 after account opening, the Average Collected Balance in the account from Day 1 to Day 90 must be within a range shown below. The Average Collected Balance is calculated by adding the Collected Balance in the account for each day of the 90 days and dividing that figure by 90. '' makes no sense in English or Banking. 
" On Day ... '' and " from Day.. to Day ... '' within the same paragraph combined with " within 90 days of account opening '' in another paragraph is there to confuse the customer and leave the Requirements to Interpretation. 
Expecting the Customer to make a calculation of Average Balance based on 90 Daily balances while the Bank does not report to Customer " the Collected Balance in the account for each day '' is there to trap the Customer into Interpreted Noncompliance. 
Expecting the Customer who opens an account online around XXXX XXXX to have $ XXXX on the deposit the same day is there to trap the Customer into Interpreted Noncompliance and deceive the Customer into the relationship
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Today I was at XXXX XXXX XXXX  applying for a credit card. I have the Experian app on my phone and when I went to unfreeze my credit there is the quick available option that includes me having to be a paying member to unfreeze my Experian credit. I have had my credit frozen for many years and havent unfrozen it very much at all Maybe twice in the last XXXX years. The way they made it look was that I needed to pay for the premium service to be able to unfreeze my credit, and in my opinion made it difficult to find the easy fact that I can just unfreeze my credit without having to upgrade my free service to a pay service with Experian. I feel that Experian is being fraudulent by making it look like you need to be a premium member to be able to manage your freezing and unfreezing of your credit.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have been a CITI bank member utilizing their credit cards since XXXX and have paid my credit card payments there on-time ever since. I also have never missed a payment from any other credit company/loan payment in my entire life of utilizing credit. 

I was not aware of a balance that was on one of my CITI bank credit cards ( {$2200.00} ). I had made my payments on-time every month thus far, and in XX/XX/XXXX was when my payment went past-due. Please keep in mind I was set-up for paperless billing and also alerts regarding my accounts, but I never received any notifications and calls regarding the past-due balance. I did not know any of this was happening up until this week ( XX/XX/XXXX ) when I received a text notifying me that CITI bank was calling me in regards to my account. I immediately made the payment upon notification and called CITI bank customer service to discuss the issue. 

Upon answering from a customer service representative, I notified them of the issue. They had simply told me I had been enrolled in notifications since XXXX and that I should have been receiving emails this whole time. I verified my e-mail address with them, and they told me that it was on my account. I had let them know I do not have any record of receiving statements ( I checked my Junk + Spam folders as well ) and they simply told me they do not know what to tell me and it is my fault that I am not receiving the correspondence. I had responded that I have never missed a payment my whole entire life utilizing credit and that should I had been notified, I would have immediately made the minimum payment. They told me every day CITI bank was calling me since XX/XX/XXXX to let me know, however, I never received any phone calls ( I can pull my phone records to prove, if necessary ). I am frustrated and upset that they are wanting to report a late payment for something a ). I was not aware of and b ). I was never notified of up until it was almost 2 months late.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Duvera Billing Services, LLC (NC)

I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

On XXXXXX/XX/year>, I deposited a check from XXXX XXXX for {$140000.00}. I was given a deposit transaction receipt stating the full amount would be available today ( XXXX  ). 

None of the amount is available and no one can tell me why. The explanation is that its a corporate decision.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

Gemini froze my {$350000.00} worth of my crypto assets since XX/XX/year>. 
Gemini at first didn't allow to withdraw my crypto assets to any other platform, only allowing to sell my crypto on their platform, forcing me to pay their trading fees. 
Then, as I was growing agitated with run arounds and precanned responses given by their customer support, they froze my account altogether, because " they noticed that my mobile device was present outside of their service area ''. 
So if a customer went on vacation to a place Gemini doesn't service- Gemini will unilaterally freeze customer funds for an indefinite period of time with no recourse. 
I've repeatedly requested to transfer all of my assets to my XXXX accounts, but my requests were denied. 
I have jumped through every validation hoop Gemini made me jump through repeatedly. 
At this point its abundantly clear that the entirety of their security procedures are set up to lock customer funds on their platform
Consumer complaint received 2024-09-23
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

According to FCRA section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report too, also according to 15 USC 1681b2 Ive never gave WRITTEN permission to furnish these accounts to my credit profile or contact me especially with such hostile tones and language.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX NY XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX NY, XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX I request that my current address be updated accordingly. 

XXXX. XXXX XXXX : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number. 

XXXX. Employer : My current job is XXXX XXXX. 

XXXX. My birthday is XX/XX/year> I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license, Social Security or passport displaying my correct name. 
A recent XXXX or bank statement showing my current address. 


Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

Hello dear Wise! 

I am a lawyer XXXX from the XXXX Bar, handling the case of XXXX XXXX, who sued Wise ( Transfer Wise ) for wrongful account closure. My client was not provided with any evidence that he violated wise 's policy, so I will now be handling the case in the XXXX court. 

He is based in XXXX and has every right to use the wise account. When the account was blocked, he provided all the documents confirming his legal use of the account, but the account was closed without explanation, it is clear that wise never says the reasons for closing the account, but you will have to prove in court and voice the reason for closing the account. 

Waiting for your reply .... 

Regards. 
XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX  {$220.00}, CAINE & WEINER {$240.00}, XXXX XXXX XXXX  {$470.00}, XXXX  XXXX {$780.00} AND XXXX. XXXX XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-09-23
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I included dates from XXXX, XXXX XXXX  to XX/XX/XXXXXXXX  of inquiries that I did not have dealings with. I am a victim of fraud and with the FCRA Section 605B ( 15 U.S.C 1681c-2 ). 
Please investigate this matter, and under the FCRA, I request that you immediately remove this fraudulent account ( s ) and Inquiries from my credit report. If necessary, I am available to provide additional information to facilitate your investigation. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disagree with the accounts listed below which still appear on my credit report, even after your investigation in 2022. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit rating ( XXXX XXXX XXXX, XXXX ). Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
Please see referenced accounts below : XXXX XXXX XXXX XXXX Account XXXX inaccurately Sued by the CFPB for predatory lending Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX Account reporting inaccurate information Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX Account reporting inaccurately Please verify account belongs to me Account a result of identity theft Requesting this account be removed from credit report XXXX. XXXX XXXX XXXXXXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX XXXX XXXX XXXX This account does not belong to me, possible identity theft Please remove this account
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OK)

Got a call from XXXX XXXX XXXX saying I owed Citi Financial $ XXXX from 2011. I called Citi, Citi said they sure no record of any debt for me and told me to ask XXXX for a letter certifying the debt, XXXX refused and said it would be filled with the court house within 48 hours. XXXX also had information about me that they shouldnt, but was asking me to verify information as well.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was informed via text message that the bank was closing my account due to suspicious activity... the bank never called to confirm any activity... I found our it was closes for my access immediately..the day before my direct deposit from social security... We have my income and that of my son in law to support six people in our home. I'm XXXX a widow on social security my daughter who is XXXX and XXXX plus her husband my grandson and his girlfriend and my two greatgrandchildren who are raised by my daughter. 
We live on a very limited income and often have trouble paying the bills and the mortgage..we have payment arrangements with all the utility companies and risk being shut off if a payment is missed ... The bank closed my account 1 day before my direct deposit was credited to my account..They now say I have to wait 10 days before I can even get a check mailed... the utility companies and the mortgage company will not wait ten days for their payment... I will be charged late fees and reconnection fees for all the utilities and a late fee for the mortgage ... I want Chase Bank held to task for their Un caring and insensitive handling of my account... I was currently overdrawn at the bank and the suspicious activity was very convenient in its timing..I feel the bank wanted to dump me as a customer and didn't care what happened to us .they have caused irreparable damage to our lives and are running the risk of our home being foreclosed on which will leave us homeless with no money to secure housing ..my name is XXXX XXXX XXXX Phone number is : XXXX. 
This occurred on Tuesday, XX/XX/XXXX, XXXX
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OK)

Referenced to Compliant id XXXX When Trying to make a payment online the company turned off the website to make payment. I did call and was told I could make a payment online even though I said the the online payment does not go through or down. The payment was not paid on the debt XX/XX/year> so added to the first complaint the company has sent a bill will late fees. I sent you the first complaint XX/XX/year> and was in good standing but now my credit is ruined.
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TD BANK US HOLDING COMPANY (TX)

Dates from XXXX current. I have had my information compromised by Target Credit Card Services. Target Stores, Target leasing,. I have been XXXX, robbed and used for others to secure. I have also been XXXX, with no assistance. Booted out of my place of living.
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Axiom Acquisition Ventures, LLC (LA)

My name is XXXX XXXX XXXX, a federal protected consumer, and I am making this complaint against Axiom acquisition ventures for committing identity theft. I have never Axiom Acquisition Ventures any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt Axiom Acquisition Ventures Inc and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, Axiom Acquisition Ventures any right to collect on this alleged debt. 

I have never received any documentation requesting validation from Axiom Acquisition Ventures, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Axiom Acquisition Ventures can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financia reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Axiom Acquisition Ventures continue its collection efforts, I will file for litigation for actual damag caused and Axiom Acquisition Ventures will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. ACCOUNT # XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.