davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (VA)

I mistakenly submitted a purchase order for {$800.00} to buy XXXX using a checking account that I thought had available funds when it didnt. That was a mistake on my part. This transaction occurred on XX/XX/2021. The amount was charged back to my bank and Binance requested that I submit both a bank account statement and a short video with my drivers license reading a passage to confirm my identity for risk management purposes. After I completed this I would be allowed to continue trading and/or withdraw/deposit again on their exchange. Of course the {$800.00} needed to correctly deposited on the exchange which I did complete as well. 

I have completed the requested video and supplied the requested documentation but they will not respond to support tickets or allow me to trade or withdraw my money from their exchange. In total I now have over {$4000.00} locked in their exchange with no access to the funds because they refuse to answer support tickets. Their CEO is the only response that I have received a response from and that was via a comment on XXXX after numerous users including myself called him and his exchange out for refusing to respond to support tickets. He responded saying that he was was sorry they have too many support tickets. That sounds like a mismanagement problem on his part. Hire more staff or shut off your exchange to new customers if you cant handle the incoming flow. Theres a reason XXXX is able to buy XXXX stadiums and your beta cuck exchange cant. They care about their customers and are financially rewarded for doing so. 

I want my XXXX, Tether, XXXX, and LINK off this exchange immediately. I want my ability to trade, deposit, and withdraw assets restored as well. There is no reason for them to not respond to tickets # XXXX submitted on XX/XX/2021 and # XXXX submitted a few days prior.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (NC)

I contacted my Health Insurance Policy Customer Service Department at my PRIMARY Policy MEDICARE Part A & B. And, also my SECONDARY Medicare Secondary Policy Customer Service Department XXXX XXXX XXXX XXXX XXXX ( XXXX ) for Information about Claim to pay {$320.00} for XXXX Test done on XX/XX/XXXX at XXXX NC in XXXX, NC. Their following statements follow for ( 1 ) Medicare Part A & B and ( 2 ) XXXX 
( 1 ) MEDICARE Part A & B - No Claims were filed by XXXX NC between XX/XX/XXXX thru XX/XX/XXXX for {$320.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - submitted a Claim on XX/XX/XXXX for XXXX Test performed on XX/XX/XXXX for {$320.00}. 
- The Claim was DENIED on XX/XX/XXXX due to not being filed by " Primary Policy - MEDICARE Part A & B ( Primary Policy ) before being sent by XXXX as the Secondary Supplemental Policy for claim. 

Their Instructions were to have XXXX re-submit the Claim for {$320.00} properly to MEDICARE PART A & B to pay the {$320.00} to correct the mistake made by them by incorrectly submitting the Claim to XXXX instead of MEDICARE Part A & B.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-06-28
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. (PA)

On XX/XX/22 I mailed a credit dispute letter off to Experian in regards to a number of accounts inaccurately being reported onto my credit report. It was received and on XX/XX/22 FOUR days after the 30 days that the investigation should have been completed by I received an email stating that my dispute results were ready ( see attached proof ). 

I viewed these dispute results and according to Experian they accounts disputed have been verified though they did not provide names, addresses and telephone numbers of individuals contacted during your investigation that helped verify these accounts per request which violates my rights according to FCRA 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ] and 611 ( a ) [ 15 USC 1681i ( a ) ]
Consumer complaint received 2021-04-05
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)

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize.XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX/XXXX XXXX  XXXX
Consumer complaint received 2022-06-22
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXXR Account Number XXXXXXXX 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, all have 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 an account without my written instructions.
Consumer complaint received 2021-05-22
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. (GA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JNR Adjustment Company, Inc (CA)

I received a letter in the mail on XX/XX/XXXX by JNR Adjustment Company Inc a debt collection bill of {$440.00}. The client JNR is representing for this debt is XXXX XXXX XXXX XXXX, of which I have never rented a vehicle nor have done business with before. 

The alleged debt occurred in XXXX of 2021 and this is the first time I am getting notice of it. I have never been contacted otherwise and was given a very short window to respond before they resort to further action. 

They were clearly given my name and address by whoever used my identity for XXXX XXXX, but no payment on any of my financial accounts was used during the transaction. 

I will be contacted them by phone or email today to ensure this debt is not assigned to me going forward.
Consumer complaint received 2021-11-11
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. (CA)

XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.
Consumer complaint received 2022-07-21
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. (TX)

The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

AROUND EARLY XX/XX/2022 I RECEIVED A NOTIFICATION OF A NEW FRAUDULENT ACCOUNT OPENED AND REPORTED ON MY CREDIT PROFILE BY THE NAME OF " XXXX XXXX. UPON RESEARCH THIS ACCOUNT SHOWS IT WAS OPEN XX/XX/2022, BUT IT JUST WAS REPORTING TO THE CREDIT BUREAUS IN XX/XX/2022. I CALLED THE PHONE NUMBER OF THE " XXXX XXXX '' ( XXXX ) XXXX XXXX BUT DID NOT RECEIVE A LIVE PERSON AND GOES TO AN AUTOMATED MACHINE WHEN I TRIED TO REPORT THE FRAUDULENT ACCOUNT. 
I HAVE BEEN DEALING WITH THESE FRAUDULENT APPLICATIONS BEING SUBMITTED ON MY BEHALF ALONG WITH MY MAIL BEING STOLEN FOR QUITE SOME TIME NOW. I HAVE NOTIFIED THE XXXX POLICE DEPARTMENT, FTC, UNITED POSTAL POLICE, AND NOW THE CFPB WHICH IS ATTACHED. 
AFTER ANALYZING MY ACCOUNTS AND STATEMENTS I'VE TO REALIZED FUNDS WAS WITHDRAWN FROM MY FIFTH THIRD BANK ACCOUNT IN THE AMOUNT OF : {$8500.00} ON XX/XX/2022 {$200.00} ON XX/XX/2022 {$500.00} ON XXXX XXXX {$8500.00} ON XXXX XXXX {$6000.00} ON XXXX XXXX I HAVE CALLED AND NOTIFIED THE FIFTH THIRD BANK ABOUT THIS MATTER WHICH PUT MY ACCOUNT IN A NEGATIVE BALANCE.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at annualcreditreport.com and all three credit reporting companies, XXXX, transunion, and XXXX  claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what annualcreditreport.com is for. 

Thank you!
Consumer complaint received 2022-06-22
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. (VA)

n accordance with the Fair Credit Reporting act ( XXXX  Account number XXXX ) XXXX XXXX XXXX  XXXX Account number XXXX ), ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry XXXX XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ), ( XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/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 2021-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've never owed any debt but I kept receiving mail from a company called Portfolio Recovery Associates that says I owed money to them. The original creditor that they listed is " XXXX XXXX Bank '' which is an institution that I never dealt with and never heard of in my life. It's been several years and they kept sending it. They also listed " Seller '' as XXXX Bank, another bank that I never heard of and never had any account at.
Consumer complaint received 2022-09-22
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. (AL)

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 2021-11-11
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IN)

I get charged several excessive fees when I use an ATM only one time within a day. My account appears as if I made multiple visits. 

My auto pay has been declined when no money is deposited on card. I feel this to has caused me to be charged excessive fees. 

My card has been positive on several occasions and declined. Then the company holds my money in a pending status for 15 to 20 days. Sometimes more than the charge. And while the money is gone the fees pile higher and higher. 

It's a profit scheme to charge fees where no circumstance would have existed had the money in the account not been put on hold. 

I'm sick to my stomach as I have tried for nearly a year to remedy these kinds of actions.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

i paid my XXXX pymt on XX/XX/XXXX in the amount of {$380.00} like i do every month. they have not given me credit for this payment however. check has cleared the bank. also they r showing that i have an escrow balance of $ XXXX. i dont even have an escrow account with them.
Consumer complaint received 2021-11-11
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX BANK OF AMERICA and XXXX XXXX XXXX XXXX Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// BANK OF AMERICA and XXXX XXXX XXXX XXXX did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

BANK OF AMERICA and XXXX XXXX XXXX XXXX failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) BANK OF AMERICA and XXXX XXXX XXXX XXXX are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I am trying to close out three bank accounts with Bank of America that are part of my fathers estate. The accounts had to go through probate which was completed and I am the executor of the estate. I mailed the information requested from Bank of America to their estate unit XX/XX/2021. This included the information they requested like the death certificate, letters testamentary, and their forms. 

My first follow up call was XX/XX/2021. On the XX/XX/XXXX call the representative confirmed they had received all of the required information and would put in an escalation request to have accounts closed. 

My second call was on XX/XX/XXXX when I was told it was still in back office review. 

My third call was XX/XX/XXXX. Representative was giving me same story about it being in back office review. Complained that is what I was told last time and the response was that they would put in an escalation request. I explained that was said on XX/XX/XXXX and they claimed not to have any record of that. Call continued and she claims to have gotten a manager involved after putting me on hold multiple times. She said account were approved for closure and that checks would be sent out in 2-3 days. 

My fourth call on XX/XX/XXXX I was told checks were mailed but needed to give it until Monday the XXXX to see if they arrive. 

My fifth call on XX/XX/XXXX. Representative confirmed approval on XX/XX/XXXX but then said something was showing red on document intake. He did confirm they had all documents needed. Same story about escalating it to a supervisor. Said they had 4-5 people working on it which is a hilarious exaggeration. End of the call he said he would call me back either end of that day or no later than the following afternoon. Never received a call back. 

My sixth call on XX/XX/XXXX. First representative transferred me to another representative which was supposed to be a specialist on the case. They had no knowledge or history on the case and it was like starting from zero as with all other calls. You talk to a different person each time. They make you wait on hold an average of 20 minutes before you get to the first person. After you get to them you may be transferred again or out on hold multiple times while they work on it. The call ended with me asking how can I have my attorney contact them and where can he send a letter. The representative would not answer and said I would have to talk to manager. When I asked for that was told they are not available. Representative promised to call me back within 5-10 minutes and confirmed my contact number. Of course nobody called me back.
Consumer complaint received 2022-09-22
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. (IL)

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

15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.