davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (NV)

On XX/XX/21 I wanted to send one of my crypto holdings from my crypto.com wallet to another address and I am required to enable XXXX in order to add an external wallet address, fine. After setting up XXXX and having to XXXX more than a dozen times in less than 5 minutes I concluded that this XXXX process on crypto.com is obnoxiously excessive and not worth my time or effort to continue to use as I originally intended going forward. I then tried to disable the XXXX from my account as I no longer plan on using this app or their services as originally intended due to this obnoxiously excessive use of XXXX however I am only able to disable 2 of the 4 options or to toggle it off completely. I then contacted their customer service who asked me to send a selfie in order to RESET ( not disable ) the XXXX on my account. Per what is stated on their site at the following link : https : XXXX According to what is stated here - " If you'd like to disable your XXXX, you can do so by toggling off in Settings. '' However, I am not able to do what is stated on their site as my option to toggle the enable XXXX is 'greyed ' out and I am restricted from disabling the XXXX from my account as stated on their site. 

I pointed this contradiction out to their customer service and they first tell me the information is not correct and needs to be updated ( it's been a week and still not updated if incorrect ) and they continue to make rules up as they go and request that I follow a procedure to disable ( not reset ) XXXX that it not listed on their site for this process. As of today, XX/XX/XXXX  the XXXX has not been disabled from my account after requesting it be disabled multiple times.

This is the second time I have been blatantly mislead and lied to from crypto.com. It should also be noted that every time my issue has been escalated and someone is supposed to follow up with me, nobody has yet to follow up with me regarding my issue. I have to constantly contact them only to be told something different than the prior time, run around in circles accomplishing nothing, and to not have my issue resolved. 

The first instance was about my card being issued ( I have provided these screenshots for reference ). I was told on XX/XX/XXXX  " I would like to reassure you that your card is issued and being prepared to be shipped. '' However, this was a blatant lie, crypto.com kept requesting that I send them info and documents I had already sent them, and my card ( virtual ) was not issued until XX/XX/XXXX  after I invoked my right to request all info and documents they had be sent to me which they still have not provided to me ( they just issued my card instead likely after realizing they already had everything they kept requesting me to send them for months ). They claim to be XXXX complaint yet fail to comply with this or provide the user with what they have a right to request and obtain under XXXX.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I transferred cryptocurrency from Coinbase to Coinbase wallet. They sent an email saying it was paused, gave me an option to cancel, which I did. Today I tried to transfer it back and it said I needed to pay a large fee $ XXXX and I was willing to pay. The payment method came up blank with a back arrow. Its a small amount of money but its stuck there, I can not do anything with it.
Consumer complaint received 2021-07-17
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XX/XX/XXXX, DEPT OF ED : XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX )
Consumer complaint received 2021-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (TX)

Here is the complaint I submitted to PayPal  and their response : Hi! I'm your PayPal Assistant. To get started, simply ask me a question.

I am still learning, so if I can't help you, I'll direct you to additional resources. 
XXXX XXXX - PayPal Assistant Pay in 4 messages XXXX XXXX Are you contacting us about this topic : Pay in installments? 
XXXX XXXX - PayPal Assistant Yes XXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type need more help ''. 

What is Pay in 4? 
Questions about Pay in 4 repayments How do I send money? 
XXXX XXXX - PayPal Assistant Need more help XXXX XXXX Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 
XXXX XXXX - PayPal Assistant XXXX XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 
XXXX XXXX - PayPal Assistant Your file has been uploaded. 

XXXX ... XXXX / XXXX I received this text before XXXX XXXX. This is not acceptable. Adjust the system to message me between XXXX cst XXXX XXXX MA Hi XXXX, this is XXXX. I can see that you contacted us about the message you received. Id love to help you with that. 
I apologize as we currently have an issue about viewing documents you sent. 
Please tell me more about the text message you received. Send me a message if you need more help. I'll keep this thread open for you. 
XXXX XXXX - Ma XXXX XXXX are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

I received a payment reminder at XXXX cst. That is a problem. Fix the system to send messages during the government specific times. 
XXXX XXXX ME I hope you are having beautiful day today. I certainly understand your concern. I am here to check and provide various options to get this done and thanks for taking your valuable time to reach us. 
This is in response to your message XXXX. So sorry for the inconvenience that this message has caused you. During the time that you added your phone you have agreed to receive text messages from PayPal regarding your account. Just to inform that PayPal operates 24 hours and we don '' t have the control over the system. 
Thank you for contacting PayPal and for being a valued customer. Im glad I was able to answer all your questions. You may close the conversation by selecting End Message or by clicking " x ''. 
XXXX XXXX - XXXX XXXX
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (GA)

By XX/XX/21 I made a final payment totaling {$1800.00} in turn, I was told that the account would get DELETED from my credit report, not paid in full that arrangement was stressed and made clear before the payment was made. Fast forward to now and it is being reported incorrectly. I spoke with XXXX XXXX ( account rep ) who promised me to delete said account
Consumer complaint received 2021-10-24
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: DataMax Corporation (NC)

I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

At XXXX XXXX on XX/XX/22 I received an email saying my account was overdrawn. At XXXX XXXX on XX/XX/22 I got a second email about a second charge that caused an overdraft. At XXXX XXXX I got another email stating I now was being charged {$36.00} twice for over draft fees. It hadn't even been 24 hours since I received the first email about the first overdrawn charge. Their policy is 25 hours. They claim its not their problem that the emails were sent later than they should have been, and refuse to remove the fees so I can get my account out of the negative.
Consumer complaint received 2021-10-24
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)

I have sent Equifax a certified letter dated XX/XX/21 in reponse to their methods of verifing these 5 accounts listed as Dept of Ed/ XXXX XXXX These accounts are seriously being reporting inaccurately. Because of the nature of circumstances and how these accounts are negatively affected my credit I am asking for a non automated investigation. I need Equifax to provide me with a copy any viable evidence bearing my signature showing these accounts being reported accurately. Once i can get this information i can deal with XXXX directly. Equifax as of today has failed to provide any of my mentioned requests. Once again this is a federal law that Equifax is violating
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I was called from XXXX 's phone number asking if I authorized a Zelle transfer. I said No. The caller said they were with XXXX and I had to transfer to a XXXX agent via zelle to reverse the fraudulent charge. I sent them {$1000.00}. Zelle won't refund me any money even though I was tricked into providing the funds. This call occurred on XX/XX/29 and I reported it to XXXX the same day.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I disputed a medical collection negative account on my credit report. I wrote validation letters to the collection agency and the two credit bureaus that posted the negative items. The collection agency responded, but did not provide any validation info. One bureau removed the negative item after my letter dated XX/XX/2022. ( XXXX ) The other bureau did not. ( Equifax ) The account in question is listed below : COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX. {$300.00} STATUS DATE : XX/XX/2022 A second letter dated XX/XX/2022 to XXXX and Equifax to resolve this issue have not been answered. I appeal to you that if XXXX can not validate this alleged debt, then Equiax remove it immediately from my credit report. Thank you. 

best regards XXXX XXXX
Consumer complaint received 2021-10-23
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: V and H Portfolio (TN)

Re : Collection Account # : XXXX Information belongs to someone else ( Identify theft, fraud, error ) Im sending this complaint requesting validation of this debt you say I owe you. Please review additional information attached to this complaint as for address verification. Thank you!
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (OH)

I was approved for a loan and after reading my contact thoroughly the credit score is incorrect the score is XXXX and my credit score is well in the mid and hight XXXX I talked to the specialist on the loan and asked why the interest rate was so high we didn't consider looking at the score
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL
Consumer complaint received 2021-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC (TX)

I lost my job because I refused to take the non-FDA approved vaccine, so my company let me go. I have a family of XXXX, and now all law firms that I have applied for, have blacklisted me because of not taking the shot. I'm the sole provider for my family, as my wife is XXXX due to a car accident. We have XXXX young children.
Consumer complaint received 2021-10-23
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: SYNCHRONY FINANCIAL (NY)

I have this accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-08-03
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, L, XXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXXXXXX  XXXX
Consumer complaint received 2021-10-23
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: EQUIFAX, INC. (FL)

Investigations taking longer tan 30 days, already a FDCPA XXXX, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXC XXXX DEPTEDXXXX XXXXXXXX Equifax Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXXXXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX