BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I've been a user/customer of Binance.us since XX/XX/XXXX. In order to report and file my taxes, I tried to log into my account on XX/XX/XXXX to download my transaction history and any tax forms they have for me. Instead of allowing me to log in, Binance.us confronted me with an extremely intrusive consent form that would require that I allow Binance.us to collect AND share highly sensitive biometric PII data with third-party companies. For obvious reasons, I can not and will not consent to this attempted theft of personal information. 

They only provide an option to say " yes '' or to log out. Failure to grant them this consent disallows access to my own account, so they are holding my money and my XXXX tax reporting information hostage at the price of my very private personal data. They did NOT provide any prior warning of these unilateral change, and they did NOT provide the ability to transfer our my funds and close my account and opt out of their scam. I have been trying to work with their useless support team since the XXXX, but they've done nothing whatsoever except provide canned or nonsensical responses. 

I spoke with a tax expert from XXXX who believes that what Binance.us is doing is illegal, and I have informed Binance.us of this. I am currently unable to properly file my taxes due to Binance.us 's likely crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RE : Notice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX aka XXXX XXXX XXXXXXXX are reporting to both my Experian and XXXX  credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted Experian to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act and Gramm-Leach-Bliley Act ( GLBA ) CAPITAL ONE has violated my rights by furnishing my credit usage. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - states that my consumer report does not include information solely as to transactions or experiences between the consumer and person making the report 15 USC 6802 ( b ) ( 1 ) ( B ) - states that I, the consumer should have been given the opportunity to opt out of my nonpublic personal information being shared to nonaffiliated third parties 15 USC 6802 ( b ) ( 1 ) ( C ) - states that I, the consumer should have been given explanation on how to exercise that nondisclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I spoke to a representative with Lakeview - Loan Care a couple of weeks ago to ask a question about our homeowners insurance escrow account.

We have switched homeowners insurance to a cheaper policy in order to lower our mortgage payment amount. Our previous insurance provider sent us a refund check, and I'd like to apply that to the shortage on our escrow account to catch it back up from the switch over. I called to get information on how much we needed to pay for the shortage, and how to make that payment.

The representative said since I wasn't on the loan account, and was not listed as an authorized user, I had to get my husband ( who is on the loan ) to add me. They asked that he call, however, he is in the military and XXXX to XXXX and can not make outgoing calls or accept incoming ones. So they suggested he go online to the website to do it. 

He did access the website and added my information in the request, but did not hear anything back or receive any further correspondence on it. When I called back to try and get the information, they said they still did not have the request or have me authorized on there. The rep said to give it a bit and try logging in again to see if it had any updates. 

Since then we have tried logging into the account, but the website is down due to the cyber attack. I also can not reach anyone on the phones, as the phone line is down. This problem has been ongoing for multiple days and after further research, in seems NOBODY with this loan servicer can access their account or speak to anyone to get any solid answers about ANYTHING. 

I need this company to get their website back up and running, get their phone lines back in order, and honor my husband 's request to add me as a user so I can manage our mortgage and make sure our escrow account is paid up to date and on time before the new year. I REFUSE to pay a higher mortgage payment come XXXX due to not being able to get this issue rectified with the mortgage servicer. If anything, my mortgage payment should be going DOWN since switching to cheaper insurance, not increasing by $ XXXX because of their mess up and inability to be communicated with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consider this as my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXXXXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : CITICARDS CBNA XXXX Date opened XX/XX/XXXX Balance : {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 I attempted to place a freeze on all credit reporting agency credit reports. I had no problem doing this on-line except Transunion 's website is misleading and I find i was signed up for a {$29.00} service without any clear indication I was doing this. they indicated rather than using their web site transunion.com I should have gone to XXXX. I was able to cancel the service on the first web site and a phone call got a promise to reverse the charge. I then had to go to the second web site to place a freeze on my credit reporting. I had to set up a separate user ID, password but was taken to what looked like was the EXACT same website. in all I was able to accomplish what I wanted, but as I said, they are unscrupulous in their design and establishing a service I never intended to sign up for. I believe they should at least notify me of the fact that I was signing up for a billable service and what the charges would be. Then if I click ok, it's my decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account Type : Charged Off - Account Filed Date : XX/XX/XXXX - Account Amount : XXXX - Account Closed Date : XX/XX/XXXX - Comments : BK OF AMER  '' Above is the only information the SEC was able to pull from my background check in order to complete my registration they are needing verification information that this debt has been resolved. 

In XXXX or XXXX the balance of the account was transferred to my now ex-wife 's card. Over the next year THAT card was paid off. Her card was not with BOA it was an independent card and I do not remember what kind it was, maybe a XXXX. 

Anyways, it was not charged off to a collection agency. My employer is needing paperwork to complete my hiring process. When I have contacted BOA, their automated system will not allow passage unless you have an account number or a SS number. This account is so old the system does not recognize my SS. The only department I can get to a live person is the CC application department and they do not have access to archived records. When/If they transfer me, it just puts me back into the automated system que. 
I also went into a local BOA branch, and they can not pull up information on this account again, because of the age of it. They could only give me a number to call which of course brought me back to the gatekeeping automated system. 

I need to speak to a live person in both the Credit Card archive department and the Mortgage department to get paperwork for both the closed-out card and the foreclosed mortgage from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
wells fargo bank offered a rewards credit card but they will not let you redeem your earned rewards unless they are in {$25.00} increments. There is no way a customer can figure out how to earn exactly {$25.00} in order to redeem everything they earned. I asked wells fargo to redeem my {$7.00} but they refused. I ask them if I close my card would they send me my {$7.00} and they told me if I close the card I forfeit my earned rewards. So wells fargo is actually stealing the money a customer earns because it is not in their required {$25.00} increment. XXXX XXXX XXXX, XXXX, XXXX do not do that ... no matter what you earn you can redeem it. This is just another example of wells fargo cheating their customers by keeping their earned nickels and dimes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I was notified that I had a new credit inquiry from XXXX. I did not try to open an account and called XXXX who confirmed an account was not opened. I want this inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the XXXX bureaus : XXXX, XXXX, and Transunion and disputed personal info that was incorrect and XXXX collections : XXXX XXXX XXXX, and XXXX XXXX. Pursuant 15 usc 1681 section 602 A. states that I have the right to privacy and 15 USC section 604 section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b states that whats reported must be assured maximum accuracy and XXXX acct says that i have a late payment. 15 usc 1666b states that a creditor may not treat a payment as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a follow up complaint to CFPB complaint ID XXXX. XXXX continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I ask politely for this to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation