davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (SC)

I recently started using Binance.US for investments and end of XXXX ( XX/XX/XXXX ) my account got locked due to an accidental charge back. I have done everything theyve asked me to do to reactivate my account. 

I have settled all the money discrepancies, and since then Ive had my deposits activated to be able to deposit more money into their bank XXXX XXXX XXXX, but they will not allow me to do any trades, sales, purchases, or withdrawals at all. Im only allowed to deposit into the account from my other bank account. On XX/XX/XXXX I submitted a support ticket after redoing all of their verification steps, and when you submit a ticket it states to not submit multiple bc it pushes you back in line further. On XX/XX/XXXX they responded that they had not viewed my ticket & that they hoped it resolved itself, & that if I need more help to respond. Since I had not had anything resolved, I responded with no response back from them. I sent another email at exactly one month from their first response on XX/XX/XXXX asking to please unlock my account, or give me the steps I need to do. Still no response and its been another week. 

When I look online for help from them there is no phone number to reach them. They have no chat option to directly interact with a human. The support ticket Ive sent in has not been reviewed still from what I can see and I have money trapped in investments that I want to sell! I cant keep sending support tickets because it will push back further according to their website, and all I need if for my account to become unlocked for buying/selling/trading/withdrawals.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (OH)

On XX/XX/2020 Quicken Loans/Rocket Mortgage called me multiple times during my work day to try to refinance my mortgage although I had previously indicated that I was not interested at this time because we wanted to sell our home. The agent on the phone asked if I would like to make an appointment which I agreed to. I could not hear the agent entirely, but apparently he asked if I would allow him to pull an updated credit report. I did not realize that I gave permission for this. I was never asked for my social security number or birthdate, so the agent had to indication that the person whom he was speaking to was the actual owner of the account. Immediately after this phone call, I received notification that my credit had been pulled and I did not understand why my credit was pulled when I never filled out an application to refinance my mortgage. I contacted Quicken via an online agent who said that " someone '' filled out a  credit application online and that if it was not me, I should file a police report, although their own agent admitted to running my credit report. Shortly after, my husband 's credit report was pulled and he never gave his permission for this nor was he even on the initial phone call. When I asked the agent why my credit was pulled, he said it probably wouldn't effect my credit score " too much. '' This was absolutely an egregious abuse of our personal information.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Up on reading my Chexsystems report that Chexsystem have maintained under my Social Security number. ChexSystems is currently reporting these two fraudulent accounts under my Social Security and name. I did Not consent benefit or authorize any of these following accounts ; XXXX  XXXX XXXX : XXXX  anXXXX XXXX XXXX XXXX XXXX  Account. This is a violation of my rights this is defamation, negligent and enablement of identity fraud in violation of the Fair Credit reporting Act. You check system reporting false information is hindering me from opening bank accounts I asked that this information be immediately deleted from the file you have under my Social Security number.
Consumer complaint received 2022-09-21
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is engaging in deceptive practices by reporting this account on my file. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Please provide the sworn affidavit used to verify and the accompanying documentation. We never had a contractual relationship and they have failed to provide lawful debt validation. Cease and desist all collection activities until you do! Moreover, there is no name associated with this file & needs to be deleted due to inaccurate information. Remove immediately! 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (WA)

They call from a number with no id then I say hello and nothing happens but silence then they hang up when call back it says not in service when I searched the number nothing comes up today it actually said halsted financial services but same thing happened I said good morning and then there was silence and then the phone disconnected when I searched up Halstead financial services and got their website I called the one 800 number and a woman answered and said someone elses name to me and I said no and asked them to stop calling me and she asked me again if I was sure I didnt know the person they asked for I said you called yesterday and it was silent and then you disconnected and then you called again today in silence and disconnect and then answer when I called her one 800 number
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON THE INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY REPORTS AS SOON AS POSSIBLE.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I recently check my consumer report and notice I had XXXX late payment from XXXX different companies XXXX XXXX and XXXX XXXX and to be honest Im a smart consumer and I am fimilar with certain laws. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The XXXX accounts in questioned below should all be updated to paid as agreed on my consumer report. Please help me wityh this matter
Consumer complaint received 2022-08-20
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: GOLDMAN SACHS BANK USA (AZ)

In accordance with the Fair Credit Reporting Act, Apple Account has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Experian is reporting on my credit file inaccurate information on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX as Seriously Past Due, Balance Past Due Amount {$930.00} as of XXXX XXXX, AND reporting under same Collection PAID OFF.
Consumer complaint received 2021-12-10
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: LEXISNEXIS (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Consumer complaint received 2022-07-14
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. (WI)

In XXXX I was XXXX for XXXX years. Upon release in XXXX I discovered that someone filed taxes in my name while I was XXXX. As a result of that i filed an identity theft report in XXXX and I recently resolved that matter with the irs but this year I discovered someone also used my personal information to fraudulently open credit cards in my name Such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-07
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. (MI)

Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for litigation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-21
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. (GA)

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (PA)

I have had several credit cards comprised threw out 2021.some transactions have been fixed but still continues to happen now my credit is ruined.most of which don't understand English and nothing has been done so I gave up.i asked to be canceled and they said it could not happen until balances were paid in full.cards were as follow Aspire XXXX XXXX XXXX XXXX XXXX XXXX And there was also one opened in my name that I kept getting turned down for even with a pre-approval. Turns out it went to collections and they said I have had it since XXXXmy credit is ruined and nowhere to turn XXXX XXXX
Consumer complaint received 2022-07-23
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: SYNCHRONY FINANCIAL (AZ)

In XX/XX/2022, I contracted with a metal foundry, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, to produce some small statues for me. On XX/XX/2022, I paid XXXX XXXX XXXX XXXX XXXX {$2200.00} with my Synchrony Bank XXXX XXXX for these services. There were to be XXXX statues made. I sent them the prototype to copy for the statues. When the shipment of statues arrived, we discovered they were of inferior and defective quality from the single sample he showed me via email. We took pictures of the defective workmanship and emailed them to XXXX XXXX who agreed that they did look defective and told me to ship them back so they could " make it right. '' I shipped the defective merchandise back as instructed and then XXXX weeks past with no response, so I emailed for the status of the order. I got an email back stating that the workers were waiting for the owner ( XXXX XXXX XXXX to return and give them permission to work on the order. A few days later I get an email from the owner stating he was only willing to give me a refund of 30 % and he was not going to fix the statues. To be exact, XXXX XXXX emailed me on XX/XX/2022 to say he would be issuing me a check in the amount of {$770.00} for a partial refund. We never received any such check. 
All of this information and supporting evidence were provided to Synchrony Bank and they are refusing to help me with getting a refund from this merchant. Synchrony Bank says the merchant acted in good faith with me, but the evidence shows the opposite.
Consumer complaint received 2021-05-07
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. (SC)

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by US SM BUS ADMIN XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-05-07
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: Santander Consumer USA Holdings Inc. (TN)

THESE COMPANYS ARE REPORTING FALSE ACCOUNTS ON MY CREDIT REPORT THAT I NEVER SIGNED FOR OR USED I HAVE ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT YET THEY HAVE NOT.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (DC)

I call the number twice XXXX XXXX, not helping ( The said an investigation but I assuming they are the one who address opened up in my credit report with/or XXXX. This number is refence in twitter in the official Ask Citi account. Info : Ask Citi @ XXXX XX/XX/XXXX Replying to @ XXXX Our escalations team would like to you to call this number : XXXX between XXXX ET for proper verification. XXXX  This is the disputed address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, is not mine. Account info : BEST BUY/CBNA XXXX {$3600.00} {$37.00} Dispute Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX High Balance {$3600.00} Credit Limit {$4000.00} Pay Status Current ; Paid or Paying as Agreed Terms {$37.00} per month ; paid Monthly
Consumer complaint received 2022-11-30
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Dovenmuehle Mortgage, Inc. (NC)

Dovenmuehle Mortgage , Inc. Called me at XXXX while I was in bed. I told the woman at the beginning of the call it is XXXX. She said well that may be so, but and she continued to talk to me about a home my ex husband is responsible for not me. Im a XXXX who gets up at XXXX. I dont appreciate the late call or the rudeness.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

In XXXX my Experian FICO 8 score was a XXXX I used their product " score simulator '' and it told me if I paid down my debt by XXXX dollars my score would go up to 700. I paid my debt down over XXXX dollars and my score is still a XXXX. I attempted to talk to them on the phone and the lady said she was not qualified to answer why that is the case.
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (CT)

I was approved for a personal loan for XXXX $ at 6.99 % APR, following a direct access to my checking account for income and identity verification by PLAID and hard enquiry on my credit report. To finish processing my application they asked me upload my valid drivers license, which I did, after 2 days they send me an email to call them at a given number, during the call based on my name the agent asked about my immigration status, which I replied I have a valid immigrant visa, he then asked me to upload a utility bill, I went on to their portal and uploaded, and then when I went on to check the status it asked me for SSN card to upload and I did, then every time I go on the portal to check status it kept adding documents to upload, my passport, visa, immigration approval document. I uploaded all of them valid documents a total of 7 and denied because the validity is not enough for the loan term 3 years +. I met their advertised criteria and a good credit score of XXXX, they discriminated against me and denied me just because I am an immigrant with reason given - no reasonable assurance to pay back, no where on their website or terms and conditions it mentioned one need to be a citizen or have a validity up to the loan term, I was mislead, played around, discriminated, and humiliated, they asked of unreasonable assurance that exceeds anyones ability.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Social Finance, Inc. (OH)

On several dates, most recently XX/XX/2020 SOFI lending has been contacting family members and telling them that I owe a debt and they are trying to collect that debt. They have contacted each of my family members more than once which is against my rights. I would like them to sees and desist these calls to my family. I have also givent them my attorney 's phone number as well.
Consumer complaint received 2022-06-30
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Incorrect name and addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX