davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MD)

I sent crypto from a XXXX Account on XX/XX/2024 at XXXX to my crypto.com wallet address for XXXX XXXX XXXX XXXX ). I sent this crypto and never received it. Before sending it, I double checked my wallet address that I entered to make sure there were no errors. I waited and waited, and it never arrived. I reached out to the XXXX customer support and they checked the transaction and informed me the crypto was sent to the wallet address and then immediately crypto.com had subsequently swept the crypto from my wallet address and put it within their own wallet. I was informed to contact crypto.com about the issue. I have tried repeatedly to get in contact with customer support and every time I am told through their assistance chat that they can not assist me and that a support rep will reach out to me within a few hours. Each time I reach out to them, the same thing is relayed to me, and I wait the hours and no response. I wait XXXX hours, no response. It has now been days, and I have continued to reach out and I have received no response. Here is the message I sent to crypto.com with the attached message I received from XXXX as well : Good Day, I have been trying to get in contact with your customer support for a week now with no response. I tried to send crypto to my wallet on your platform last week and it was never received. I sent it to the correct wallet address but the XXXX platform is telling me your company took my crypto and moved it to one of your wallet addresses. I never received this crypto in my wallet but the transaction hash said it went into my wallet and then was swept to your crypto.com wallets. I never received the deposit, and neither does my account show the deposit was made into my account. I need my crypto to be recovered and returned back to me, because I didnt mess up when I sent it. I entered everything correctly but the crypto was removed by your company. Here is the message I received from XXXX customer support : XXXX XXXX, Here is another view via a different explorer that displays that the funds hit your destination wallet XXXX and were subsequently transferred to XXXXXXXX XXXX XXXX XXXXXXXX I see you mentioned you sent your funds to crypto.com correct? 

Can you confirm what network you sent your XXXX XXXX to on your Crypto.com account? I see that crypto.com supports XXXX on the XXXX XXXX  in addition to XXXX. 

I recommend reaching out to crypto.com and see if they are able to recover your funds. 

Once cryptocurrencies leave your XXXX account, XXXX can not recall the transaction. The reason behind this is due to a concept known as transaction finality. Transaction finality is a function of decentralized blockchains. It means that once the transaction has been broadcast to the network and confirmed on the blockchain, the transaction is irreversible. Transaction finality is one of the attributes of digital asset transactions. It is common among all crypto exchanges, including XXXX. 

Thank you for your understanding. 

XXXX
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX ran my credit 4 times in a very close time together. I have researched and researched. I do not know who this company is nor did I get give them permission to run my credit. 
They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021 I did not give them permission They ran my credit XX/XX/2021 I did not give them permision.
Consumer complaint received 2021-10-30
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: The Outsource Group, Inc (SC)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. XXXX  XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX   XXXX  XXXX  XXXX, SC XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  6. XXXX  Account Number : XXXX  Please remove it from my credit report.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-04-01
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Denefits LLC (FL)

XXXX  LLC. 

Last Reported XX/XX/XXXX {$2500.00} Reported Balance Opened XX/XX/XXXX ( 1yrs, 1 mos ) Term 12 months ( 1 year ) Company did not provide no services and is charging me for no service
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX. After reviewing my equifax credit report I noticed that i still had an old XXXX credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called XXXX credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to Equifax. When I Disputed this with Equifax, they told me that it was up to XXXX credit card services. 

I believe that both Equifax and XXXX are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX. After reviewing my XXXX  credit report I noticed that i still had an old Chase credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called Chase credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to XXXX. When I Disputed this with XXXX, they told me that it was up to Chase credit card services. 

I believe that both XXXX  and Chase are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

I made a settlement with XXXX. XXXX XXXX in XXXX after disputing the charges from XXXX and the account was closed. I then received a letter in XX/XX/XXXX from Jefferson Capital.to collect the same debt for XXXX  from XXXX for more than double what the initial debt was to them. If I made a settlement for the debt why does Jefferson now have it for double? I called telling them I wanted to dispute because I settled this already & instead of disputing put the debt on my credit report that I would like to have removed asap.
Consumer complaint received 2022-05-19
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-12
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. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A section 2 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-19
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (AZ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-12
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 (TX)

XX/XX/2021, charge for XXXX business training for {$1300.00}, Ive disputed the charge and initially got my money back but then discover placed the charge back in my account and said the investigation was still under review.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX my Equifax credit report suddenly removed all my account history except 2 accounts. On XX/XX/XXXX all my accounts were removed as if I have no credit history. I've called Equifax numerous times and continually told that my issue will be " escalated '' but nothing has yet been resolved. Every time I call I get the run around until finally told my issue will be escalated and nothing more can be done. I've repeatedly told Equifax customer service that this is hindering my mortgage approval for almost a month now.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

XXXX setup auto insurance policies back in XX/XX/XXXX for me twice and did them both wrong, so I cancelled them and had them refunded. They only refunded one, so I had to chase them for weeks to get the 2nd one. They told me to file a dispute with the credit card company, so I did, which was successful and I got my money back. Then XXXX claims they also refunded the transaction of {$860.00} on XX/XX/XXXX in addition to the dispute, so they sent me to collections for it. I proved to them by sending my credit card statements that I never received a refund from them, but they repeatedly tell me its been refunded and its my problem now. I even worked with my credit card company to see if there were any unposted funds anywhere but theres no record of it. Doesnt surprise me because XXXX incompetence along the way was the most egregious thing Ive seen in my life. Im now being harassed by debt collectors for a debt I dont owe. Ive never been sent to collections in my life and have squeaky clean credit. This is embarrassing and they dont care.
Consumer complaint received 2022-05-19
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. (SC)

I have submitted several dispute with XXXX, XXXX and transuion for a medical bill reporting on my credit report, and also my mortgage company XXXX XXXX XXXXXXXX reporting inaccurate missed payments. 
I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. 
My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in XXXX. 
I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.
Consumer complaint received 2022-05-19
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. (CA)

Equifax has not updated my credit file since XX/XX/2021. When I questioned this, they advised I had a block on my file, what block they would not disclose. I have written proof on XX/XX/XXXX of this year they had me submit a form to remove the block in 24 hours. Yet my file has not been updated.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (FL)

I have attached an FTC report with an account and inquiries I did not authorize, I am in the middle of purchasing a home and this is affecting my approval, please delete Asap