davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (PA)

I sold one type of crypto for another ( XXXX  ) so that I could purchase crypto elsewhere by swapping etherium for it. Before this selling, I tried to transfer crypto to my external wallet as a test and it worked. So I tried to withdraw and transfer the etherium after selling the other coin, but then kept getting an error that Im not allowed to withdraw due to pending transactions or insufficient balance. I have been trying for two days. I have been waiting for support for two days. I contacted via XXXX XXXX and XXXX. No response. Because of now being in limbo, I basically lost earnings from the original XXXX I sold ( since I would not have sold it if I knew I couldnt transfer ) and I lost on the opportunity to buy XXXX XXXX XXXX ) for another cheap crypto at the time. It has caused me financial loss. Also, now I dont even know if I can get the rest of my crypto or money out. By the way, all my money is cleared it has been deposited from the bank for a while now, so I dont owe Crypto.com anything. I owned all my crypto and sold it and all transactions processed successfully, so I dont owe the company anything.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XX/XX/2022. $ XXXX. Bank of America and partner XXXX said they cant do anything right now. Once fund has been transfer through XXXX you cant get it back. Its immediate, but they just let me file a complaint that will take 10 business days. 

I get this robocall at around XXXX am saying This is Bank of America, our bank fraud detection system has detected {$2000.00} being transfer from your account to XXXX XXXX through XXXX. Press XXXX to get with a representative. 
I go ahead and press XXXX This call will be monitor A XXXX guy with a polite cooperate voice answers the call. I google the the number XXXX. It was Bank of Americas number. 
He told me XXXX XXXX was trying to take money through XXXX. I went to my account and didnt see any activity and was confused. He assured me that I dont see it because XXXX has turned off the notification. 
He just needed to get into my account and reverse the transfer. All he had to do was get me to say authorization codes for him to log into my account. Reset my password. Got my ssn. Got my email. See what device XXXX uses to log into bank. 
He put me on hold and said let me get my supervisor to do something, please hold. I thought the guy must be new. 
He disconnected while Im on hold, but immediately got back to me hastily. Im over here thinking wow Bank of America sure cares a lot about preventing fraud before it happens..

Did one more authorization code. Then put me on hold and did something with supervisor. Finally disconnect I waited a few minutes. $ XXXX was being transferred to the actual scammer through XXXX ( XXXX XXXX XXXX ) XXXX XXXX pm. 
I called the number to see what was going on and it was the real Bank of America customer service.
Consumer complaint received 2021-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-08
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. (MI)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-04-29
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. (GA)

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. 

1.XXXX  XXXX XXXX violated my rights, 2. THE XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.
Consumer complaint received 2022-01-13
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. (CA)

Upon review of my credit report, it has come to my attention that Experian is reporting and furnishing information on my credit report that the Fair Credit Reporting Act specifically states needs to be excluded from credit reports. Thus, Experian is in violation of Federal Consumer Protection laws. I have disputed these accounts with reason and proof and have contacted Experian multiple times with no relief. This is my final attempt to resolve this matter before I seek damages in the form of monetary relief, as this incorrect and irresponsible reporting has caused irreparable damages to my name, life and reputation as well as by ability to take part in commerce.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (SC)

I made a purchase in on XX/XX/XXXX never got my purchase delivered ask for Direct Express to refund my money sent them the tracking number where it showed that it was stopped at customs in XXXX XXXX as final status. I explained that I never got my log splitters that I paid for but Direct Express would not reverse the charges. I made a complaint to Senator XXXX XXXX office and they referred me to your department. Could you please help me recover my funds. The card used at the time of the fraud was XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX I immediately cancelled that card and they issued me a new card XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX. 
17 Track tracking number is XXXX XXXX XXXX last update was XX/XX/XXXX. Did not make it XXXX SC. I Never got these three items I bought two at at XXXX and another purchase at XXXX because it was such a great deal. This was a scam. Phone number on card for customer service is XXXX but that number will put you on hold for hours and then hangs up on you.Comerica fraud center number is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-03-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I entered into a lease on XX/XX/2016 with Toyota Motor Credit. A year later I purchased a home and was informed by my lender that the interest rate for my loan was high. I reached out to Toyota and discovered a Class Action Lawsuit charging that XXXX and XXXX  where targeted with higher interest rates, after filing an eligibility form with Toyota I was excluded from the class action. I met all required criteria : 1. I am XXXX. 
2. I was charged a high rate of interest when my credit score was excellent. 
3. I purchased the vehicle on XX/XX/2016. 

I should not be excluded and I wish to pursue a complaint against Toyota Motor Credit.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

In XX/XX/2021, chase closed all my bank account and credit card with out any reasons. And i tired a lot of times that if they could reconsider about closing my account but they refuse to do that in very rude way. i have no idea why they closed my account without any pre-notification, and i am currently travel aborad, and they just canceled all my card which makes my life really difficult. i have no idea what is going. i have the only clue that may cause this happen, it is i upgraded my chase student account to the chase private client account because the banker keep push me to do that. i have no idea about this kind account, they tell to do it, i just do. please help me re open my chase account, even just the checking and saving account. thank you
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (AZ)

I am the owner of XXXX XXXX, which is a XXXX XXXX XXXX based in Arizona. On XX/XX/XXXX, XXXX XXXX used an American Express card ending in XXXX to book my property in the amount of {$8200.00}. XXXX XXXX booked my property through XXXX XXXX XXXX  ... He booked for XXXX XXXX XXXX. On the terms and conditions page you will find that there is no refund available if you cancel less than 30 days before check-in. you will see in my attachments that when you go to book on the website, you must check a box that says " i agree to the terms and conditions '' which takes you to the page that lays out the refund policy. there is also a box below it that makes you check a box for the cancellation policy- laying out the refund policy again. XXXX XXXX checked both of those boxes and made the payment. that is, the payment would not be able to be processed unless the person checked those boxes. 

The credit card used was American Express, but my credit card processor is XXXX. 
On XX/XX/XXXX, XXXX and XXXX XXXX cancelled the reservation to stay at my property. This was one day before check-in. Therefore, no refunds were available. 
XXXX XXXX filed a dispute with American Express and American Express ruled in his favor. I was notified by XXXX that there was a dispute opened on XX/XX/XXXX. I sent in the contract that XXXX XXXX had with my company but American Express ruled in his favor, and XXXX denied my claim for the dispute. I am now hoping to submit evidence that will show evidence that the customer expressly agreed to the payment agreement and contract listed on the website that they booked through. I am hoping to have the chargeback reversed so I can get reimbursed from the fraudulent claim against me and my business.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

1.XXXX  XXXX XXXX violated my rights, 2. XXXX  XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

As of XX/XX/XXXX, Had balance of {$110.00} with TD Bank. My husband had XXXX and opened account in my name over the phone without my knowledge. They added late charges and the total is now {$210.00}. In XX/XX/XXXX, I spoke to bank and told them they should not be opening accounts over the phone. They stated my name was on the account and I had to pay it. My husband XXXX XXXX in XX/XX/XXXX and I feel I am not responsible for this debt. They call me three times every day, sent me four letter demanding payment.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NC)

I took out a personal loan with XXXX by Goldman Sachs in XXXX of XXXX. I was current on all payments when the loan was suddenly sold to XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX. After the sale and subsequent consumer notice, I was unable to access any information on my loan from the XXXX XXXX XXXX and had to work through XXXX for all account statements, payment, and payoff information. 

Upon notice of this, I paid off the loan, at XXXX, immediately. My balance was {$0.00} at the end of XXXX, and no statements were generated. 

As of XX/XX/XXXX, I noticed that the XXXX account XXXX still displayed as 'open ' in my report with all three credit report bureaus. I filed disputes with all three indicating the account was sold, and that it should be showing closed. In all cases, XXXX XXXX XXXX to the credit bureaus showing the account should remain open with the same balance as when the loan was sold. There have been no subsequent payments or late assessments to the account- it has just stayed stagnant on my profile. 

In certain cases, a similar account was opened with XXXX in XXXX of XXXX on my credit profile, showing the amount of the loan balance at sale. Some of those have subsequently closed. This indicates that the loan did indeed transfer entities, and XXXX XXXX not file the appropriate paperwork with the credit bureaus to show the closures when they offboarded the loans. And further, upon inquiry from the credit reporting agencies, they again confirmed that they believe the account should reflect as 'open '.
Consumer complaint received 2021-06-08
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. (MI)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-06-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KS)

Nissan Motor has violated the Truth and Lending Act section 162 15 U.S.C. 1666a- Regulation of Credit Reports. Nissan Motor is reporting to the Consumer Reporting Agencies that I have a delinquent account, which I have already dispute this account with Nissan Acceptance Motors. This is not my account. They are also in violation of section 112 15 U.S.C 1611 - Criminal liability for Willful and knowing violation. They are willfully and knowingly giving false and inaccurate information to the Consumer Reporting Agencies, which is hurting my consumer report and causing me to get denied for credit. Nissan Motors is also in violation of United State Code1692g -Validation of Debt. I plan on filing a complaint with the Attorney General of my state and with the XXXX. If Nissan Motor does not remove the Nissan Motor account from my consumer report I will take legal action and file litigation against Nissan Motor in my state and county court. I submitted a CFBP complaint about Nissan Motor XXXX XXXX 2021 and Nissan Motor responded saying they could not find an account in their system with the information I provided but yet they are still reporting this account to the Consumer Reporting Agencies.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I am on an XXXX Account as primary user with my spouse. I no longer am together with her and want my name removed from the account. She wants to keep the account for herself. USAA is telling me that we have to close the account and she needs to open a new one. She has several bills debit from the account and a direct deposit paycheck that goes to account also.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Brokers Inc. (CO)

Had to take Classes for a XXXX at {$25.00} per class. If you did not pay, you could not attend class. If you missed a class, you had to make it up and pay the {$25.00} for the missed class. They say I owe {$100.00} with Interest.
Consumer complaint received 2021-02-04
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NY)

Under the Chase Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future credit.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NJ)

Your company COMENITY BANK/ VICTORIA never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Constantly getting emails about credit reports, credit card capital one invoices about payments ... and Ive NEVER had a credit card in my name EVER ... Im XXXX Ive applied but have never been approved so the fact there are credit cards out there somewhere in my name is ridiculous ... how do we get this fixed??
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.