davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (KY)

On XX/XX/XXXX Crypto.com sent me an email stating that they were closing my account within the next 30 days ( attaching for reference ). I was told I had 30 days to get all of my funds out of Crypto.com. I was able drain the balance on the debit card ; however, I ran into issues with the XXXX balance I had of XXXX. 

I attempted to sell my balance of XXXX XXXX  on XX/XX/XXXX ( attaching for reference ). I tried 4 times and each time the sell failed. I contacted support and asked them and they told me that my ability to sell had been XXXX and that I needed to transfer out to an external wallet ( attaching chat for reference ). The only other place where I have Crypto is XXXX so I checked XXXX  and see that they are able to receive XXXX so I copied the wallet address and used this address to send the XXXX  to. Keep in mind, that I had absolutely no desire to transfer the XXXX All I wanted to do was sell my position since I was being closed by Crypto.com. I put in the transfer on XX/XX/XXXX. 

On XXXX as it had been 2 days and I hadn't seen my funds I contacted crypto.com. They told me it had been delivered. I contacted XXXX  and they said they hadn't received it yet. XXXX then informed me the method that crypto.com used to send was invalid that they don't have the infrastructure in place to receive those funds so I would need to contact Crypto.com ( XXXX ) to recover. I contacted Crypto.com on XXXX and XXXX, escalated multiple support chats to management and they told me they can't provide any assistance.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

In XX/XX/XXXX I asked KeyBank to move a {$50.00} payment that was being held to a principle payment. The wrote me a letter saying they did it. 

In XX/XX/XXXX ( just this year ) they sent me a statement showing they did NOT honor my request and the {$50.00} still shows as held on the statement.
Consumer complaint received 2022-12-29
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Consumer reporting agencies are reporting account with out my consent. According to The FCRA consumers have a right to privacy. 15 USC 1681. Nissan Motor Acceptance Company as well as XXXX, XXXX, and XXXX has violated my right to privacy. In accordance with the Fair Credit Reporting Act consumer reporting agencies may furnish a report in accordance with the written instructions of the consumer. I never have given instructions to niether the XXXXs or XXXX. 

My account with XXXX is an extension of credit approved directly from my credit card and is to be excluded from consumer reports. XXXX and the XXXX  are in violation of 15 USC 1681 ( b ) and must remove the account.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (FL)

NEVER CONTRACTED THIS DEBT. NEVER RECEIVED SERVICES FROM XXXX. WAS OUT OF THE STATE OF GA WORKING ON AN ASSIGNMENT DURING SAID TIME. NEVER RECEIVED ANY VALIDATION FROM THE COLLECTOR DESPITE THEIR CLAIM THAT VALIDATION WAS SENT.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NY)

We used to have a Suntrust account, and since the transition to Truist completed, Truist has been adding in fees, with no notice. This feels even worse because for MONTHS there were marketing contacts, including messaging on the website opening page, about how nothing was changing with your accounts except that you had to go to a new website to access them. 
First, they added a monthly maintenance fee to a checking account that had always been free. Along with that, they changed the requirements for waiving the fee -- upping them of course, to the point where they are not within reach for a retired person.

They also switched a " money market '' account to a checking account ( without providing any checks -- or notice or even acknowledgment ), with an even lower interest rate attached. 
Now, they've added a fee for every time we transfer money to another account via the website. 
I have not even called in to Truist about these transfer fees, because the result of calling in about the addition of monthly fees ( with no notice ) was so frustrating in ineffective. Furthermore, when I call the XXXX number, they told me to call the branch. The branch told me to call the XXXX number. In fact, calling the branch nearest us, where we go for in person service, just automatically sends you to the XXXX number -- no one answers at the local number we dialed. We ended up calling around to other local branches until someone answered somewhere -- and then told us to call " our '' branch, and the XXXX number. Back on the XXXX number a representative agreed to refund one month 's fee on the account, but advised they are only allowed to do that one time per 12 months, and that they could not eliminate the fee on the account, nevermind that the account ( which we've had for probably more than 10 years ) had never had a fee and Truist never advised one would be added. In fact, if I hadn't gone on the website to check something else about the account, on the exact day the fee posted, I might not have known about it until more than one month 's fee had been charged.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act the following has violated my rights. 

Bankruptcy Case Number : XXXX Collection Account : XXXX Account XXXX Collection Account : XXXX XXXX Account Number : XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXXXXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXXXXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A : 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act the following has violated my rights. 

Bankruptcy Case Number : XXXX Collection Account : XXXX Account Number:XXXX Collection Account : XXXX XXXX Account Number : XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXXXXXX Account Number : XXXX Paid Account/Late Payments : XXXX  XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX  XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX  XXXX Account Number : XXXX XXXX5 U.S.C 1681 Section 602 A : 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MA)

I tries to open a cpinbase account on a new email address because the email I had used to sign up to coinbase wasn't going to be used by me anymore. Because of this simple thing coinbase banned my account. I have tried to get it opened again by coinbase but they answer my tickets ( about 6 now ) by stating that they can not help me and the can not tell me why and to try to open another ticket in a month. It has been almost a year now ....
Consumer complaint received 2022-12-29
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. (PA)

I am a victim of identity theft & I have been trying to clean my credit up for years, I have multiple hard inquiries on my credit report that are fraud I have 99 soft inquiries and 50 of them are fraud I have tried disputing with complaints to companies they refuse to remove these fraudulent inquiries
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union is acting in BAD FAITH because it is IGNORING the true sole basis of my dispute by stating account Belongs to You when they verified. My dispute has ABSOLUTELY NOTHING to do with whether this account belongs to me or not. 

XXXX XXXX - # XXXX that I disputed via XXXX on XX/XX/XXXX is based on FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) ( 2 ) which states a Credit Reporting Agency can not furnish an Account without my written instructions.

Additionally, Gramm Leach Blilley Act Section 6802.

This is the sole reason and basis for my dispute and Trans Union has illegally IGNORED it.

I received letter from Trans Union today showing account was verified with XXXX. # XXXX / Date Issued XX/XX/XXXX. 

Trans Union is in clear violation of FCRA 1681 ( s ) ( 2 ) ( B ) which is the most serious violation that I can sue for in a COURT OF LAW due to their BLATANTLY failing to conduct a reasonable investigation, but it would not be the only violation committed by Trans Union that I would seek compensation for.

Additionally, I made a request in advance with my dispute just in case the account was VERIFIED, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( A ) ( 7 ) and my request was IGNORED, because I received NOTHING within the 15 days that the law requires. I requested the name of the persons they spoke with along with their telephone numbers and address. I will also include this violation to collect monetary compensation if I am forced to take Trans Union to court.

I want to forego litigation but will do so if forced. 

I want XXXX XXXX XXXX. 
deleted from my report immediately.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. 

They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Consumer complaint received 2022-04-15
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. (IA)

My credit score plunged today XXXX pounts to XXXX on my Equifax account ONLY. There is no information on the Equifax report that indicates the reason for this plunge. They have previously attempted to find out what is causing such a low score but there is no information on my credit report to indicate any source of trouble. Most of my other FICO scores are in the high XXXX or above XXXX.
Consumer complaint received 2022-12-29
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-15
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.