davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-03-04
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. (LA)

In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX BANK Account # 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 2022-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

Binance US is not allowing me to withdraw money due to a " risk management issue ''. I initially tried to withdraw around XX/XX/XXXX. This was the first confusing part given there is no link as of how to resolve this issue. I let it sit for a few days, figuring something was wonky with their margin requirements. 

After trying again, a few days later, the mystery issue persisted. searched their site, and found no mention as well. As a result, I contacted support who gave me more information. 

I attempted to resolve the issue when given steps from their support, who asked me to state : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. I confirm that I am logging in from a supported state. '' in a video. The support ticket was XXXX. 

Since submitting this request on XX/XX/2022, I have heard no response and have not had any access to transfer my money to my checking account. It is effectively illiquid at the moment. 

This is shady. To me, they make withdrawing capital extremely hard, probably due to volatility in the markets and their margin requirements. This is extremely anti-consumer and hurts folks who may need their money back within a reasonable ( 5-10 business day ) timeline.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2024-08-15
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. (NY)

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 2022-10-14
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: Nelnet, Inc. (AL)

In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that 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 a late payment for any purpose.
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We filled a previous claim with the CFPB in regards to Bank of America not standing behind and following Regulation E outlined by the CFPB. Our initial claim was filed on XX/XX/2021, Claim # XXXX. 
Bank of America continues to avoid looking at this claim as anything other than just reaching out to the fraudulent bank rather than addressing their obligation to consumers that are suppose to be protected by Regulation E of the Consumer Financial Protection Bureau. Equally disappointing is the lack of inquiry from CFPB itself. 
CFPB was created to protect consumers and neither Bank of America or CFPB are standing behind these protections. 
At a time in this country where some banks are standing behind their fraud protections for customers, Bank of America continues to disappoint us with their lack of response and concern to consumers. 
We have not heard from Bank of America in weeks and it is unacceptable.
Consumer complaint received 2021-12-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Please send me The True Books including : 1.balance sheet, 2.FAS XXXX, 3.Thrift Finance Report ( TFR ), 4.FR XXXX Balance Sheet, 5.XXXX-OID, 6.S-XXXX/A registration statement, 7. XXXX-bXXXX prospectus, 8. RC-S and RC-B call schedules. 
9. XXXX-C Your failure to send these documents within XXXX days you agree to pay Me {$3000.00} in the form of a check.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX / XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting 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 submitted in writing for the three credit bureaus XXXX Experian and XXXX to be removed off my credit report. The U S Bankruptcy verified they do report to the credit bureaus. They refused to removed the bankruptcy.
Consumer complaint received 2022-08-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account name 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 2022-08-29
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 name XXXX  and 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 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

DISCOVERBANK XXXX
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I have actively input {$30000.00} USD into a Coinbase account over the past week.. on Friday XX/XX/22 my account was closed, no information was given as to why, and I can not access my crypto, USD, or anything. They are unwilling to resolve the issue over the phone and they have my assets tied up with zero way for me to access them and an unlimited downside risk in case of a market crash. They are unresponsive and unable to provide any information regarding my status. I have read dozens of similar situations where resolution took MONTHS and I do not have months available for unlimited risk to the Downside in the event of a market crash. I have zero access to my money.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (PA)

I am submitting this complaint as there is no third party involved, I am making this complaint to CKS PRIME INVESTMENT, L on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of XXXX  is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX, XXXX Account 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 2022-02-23
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: CITIZENS FINANCIAL GROUP, INC. (TN)

Re : Account # : XXXX is not my account. Information belongs to someone else ( identity theft, fraud, error ). I am a victim of fraud or identity theft and this account was fraudulently opened in my name. Social security number obtained and used without my consent or permission to obtain goods and services. Please see additional information for address and identity verification. Reporting on the account should be stopped immediately and removed from credit files.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I am attempting to consolidate my student loans and apply for loan forgiveness, however XXXX has not been given the correct information about my loans because Navient is refusing to update my account information with the XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX has my loan amount to be approximately {$3600.00} when the actual amount over two loans is about {$12000.00}. 

I began reaching out to them in XXXX about this and spent many hours on the phone with them. They first told me that they were not my loan servicer ( they are ), directed me to talk to an agency about default ( I am not in default and never have been ), then they told me it was not their responsibility to update XXXX, and then they told me it was not possible for them to update XXXX, all of which is false. 

When I learned from XXXX customer service that it was absolutely Navient 's responsibility to update that information ( and, in fact, that they are the only entity which actually can ), I reached back out to Navient. That was in early XXXX. I have sent several communications to them, and the situation is still not resolved, even after they ( finally ) explicitly told me that they would address the problem. 

I don't know what else to do, and I am turning to you for help. I can not consolidate until this information is updated, which also means that every month I am potentially paying for a loan that should have already been forgiven. Please take a look at the information I am attaching,. The screenshot of my XXXX  account was taken today, and thus is current as of XX/XX/2022. Thank you in advance for any support you are able to offer me.
Consumer complaint received 2022-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (NJ)

THE $ 4000 MONTHLY MORTGAGE PAYMENT IS KILLING US, AND COVID 19 ALMOST DID. 

We purchased our home 21 years ago ( XXXX ) for {$370000.00}. Planning for retirement, over the years, we bought XXXX rental properties. In XXXX during The XXXX XXXX we lost our employment and we defaulted on our obligations. When we regain our jobs, we hired " XXXX XXXX XXXX XXXX '' to help us restructure and modify the 4 mortgages. HERE IS WHERE THE NIGHTMARE STARTED AND IS STILL GOING ON... The XXXX XXXX XXXX had us faxing updated financial statements for 2 years they charged us {$10000.00} and produced absolutely nothing. See Attached E-Mails. It took 5 years to Modify the 4 Loans, adding an enormous amount of debt. Things were getting worse by the day!!! 
We were served a Foreclosure Notice on one of the Properties ( XXXX XXXX XXXX ) We contested the Foreclosure, We went to Trial arguing the Financial Crisis have destroyed our lives. Lender, Servicer and the Courts made a very wise decision by reducing principal and interest by 50 %. The good news is that this Loan has been current ever since and is now in a very good financial health!!! The bad news is that the other 3 Properties are still straggling to stay alive. If this was not enough COVID made it much worse ... We are asking XXXX XXXX Mortgage for help. The Principal on this Loan has Ballooned during the XXXX XXXX XXXX. We are retiring and we would like like to sell the property however the total amount due is just too high.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.