davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (OH)

You have taken on an enormous job to protect the consumers and ensure that laws are not broken. I dont want to be like a pricking mosquito ; however, Binance.us keeps violating all of my consumer rights. And if they are doing it to me, they are doing it to other small-time consumers. Today, Binance.us sold my crypto without permission, which is totally against the law. I have contacted them repeatedly to release my account so that I can leave their platform. They went ahead and sold my crypto without my permission, and now when I try to send the money back to my account, I get a message that says insufficient funds. I tried to transfer the remainder of my crypto to another platform, and it says my account is disabled even though they have sent an email today telling me that my account is actives and ready to function. Please help as I have no other recourse. What Binance.us has done is illegal, and they should be held to the law like any other company. I am asking your office to protect me, the individual, against this giant XXXX company that thinks it is above American laws. This company is taunting and toying with my emotions. It is causing me to lose money every day and it is making me an emotional wreck. I am anxious and can no longer sleep. This company is causing undue stress and anxiety. I am asking for your help. This is the 3rd complaint I make against Binance.us. I have all the emails to prove all of my complaints to your office. 
Thank you for your consideration in this matter. This situation has become as annoying for me as it is for your office. Please accept my apologies and also my appreciation.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting.

DPT ED/XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account. 

10. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEBT REC XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-01-06
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. (MI)

ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX, 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  ) In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

In XX/XX/2020 I used my paypal account to receive my unemployment deposits. The initial deposit from Nevada Unemployment was for {$7400.00} on XX/XX/XXXX. I was able to transfer money out on XX/XX/XXXX and XX/XX/XXXX with all amounts being within their terms and conditions. The next time i tried to use my account I received the message that my account was limited and that i would have to wait 180 days before i would have access to my account. On the paypal website it clearly says " Since 180 days have now passed, you can now transfer your money from your PayPal account. You can transfer your money to a bank account or eligible debit card on your account. You may need to update your bank account or card, or add a new bank account or card before being able to withdraw your money. '' On XX/XX/XXXX i received an email that said the 180 days are up and that I should be able to transfer money out of my account. I have not been able to do so even now. I also dont have an option to add a bank account to be able to transfer funds or have access to my paypal cash card thats linked with my account. Everytime i call and ask about my account I get a different answer. One time i was even told that they cant do anything to help me. Which made me feel that they have no intention of giving me my money back. Its not only been 180 days since i dont have access to my unemployment money but its been way over XXXX.
Consumer complaint received 2022-03-02
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)

On XX/XX/2022 I sent Experian a certified mail letter demanding they delete the XXXX XXXX  off my consumer report I've sent letter after letter complaining about this situation providing proof from the Creditors stating that they are not collecting on the DEBT Experian have violated my federally protected consumer rights and I need answers
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OR)

Please see the attached letter of dispute. Wells Fargo failed to communicate with me that a joint account was delinquent. They had contacted me in the past of a late payment and I brought the account current asap. Had they made any effort to reach me, a signer on the loan, I would have made sure it was paid. No mail, email, or phone call attempt to contact me. Furthermore, they only reported the one 30-day late payment, after almost a year with them. I had to call and ask for a third time that all the previous on-time payments be reported. Of which they have only reported a few at this point. The current credit reporting is incomplete and I want the 30-day late removed as I was unaware the payment was not made and they made no effort to advise me.
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA LENDING GROUP, LLC (TX)

I have a mortgage loan with the company " Sierra Lending '' since 2021, and have covered my house with the XXXX XXXX yearly. 

During XXXX and XXXX, Ive informed the Sierra Lending Group Company which is represented by XXXX XXXX, that its my decision to continue with the Insurance Policy generated by the XXXX XXXX XXXX XXXX. 
I previously sent multiple mails informing them ( In addition to the multiple messages exchanged by XXXX, and phone calls with the different collaborators of Sierra Lending, including the owner XXXX XXXX ), my desire to continue with XXXX XXXX XXXX. 

Through all these different ways of communication with Sierra Lending I let them know I want to renew my insurance policy with XXXX. 
I received refusals from them, trying to force me to act against my will, and intervening in a threatening manner telling me who I can and with whom can not to renew my policy. 
The lender cant force me to change insurance ( but is trying to do that ), however they can force me to have coverage and the loan amount to cover the debt. 

The reason why I don't change to another Insurer is due to none respects the same conditions in Fee and the deductible percentage, the cheapest Insurance company costs me twice of the amount XXXX gives me. 
Ive been proactive and had also proposed other types of solutions and were as well rejected by Sierra, example : cancellation of the Escrow Account. 
All these events had directly affect me not only my economic interests, but beyond multiple discussions, my health is currently being affected since I am unfortunately suffering from migraines and stomach ailments.
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Exoperian and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

On XX/XX/22, I received the results of a previous complaint that I filed via the CFPB on XX/XX/22 regarding a collections account balance. XXXX XXXX XXXX responded, stating the account was closed as fraud and deleted. The dispute was settled. I was then instructed by a CFPB representative ( who confirmed the account was deleted ) to submit this information to XXXX, XXXX, and XXXX so that could be reflected on my credit score. I did so on XX/XX/22. Today, XX/XX/22, they have completed my disputes and said that the debt is still owed on my account according to Sunrise Credit Services who has verified that it belongs to me. This can not be correct as it directly contradicts the results I received from the CFPB last month.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/XXXX I made a payment of {$680.00} for regular full XX/XX/2021 payment and an additional principle payment of {$8000.00}. 
They went ahead and allocated the payments incorrectly and not even close to how I directed them, this is fraud and a scam. They put the balance in unapplied funds account and paid 2 months of mortgage payments. Why?? I called them 2 days ago after discovering the error and was told it would be corrected. It is not corrected. I have to now call these XXXX again. They are stealing my time. These people are scammers, thieves and incompetent. You cant even make a simple mortgage payment online and make an additional payment and the system allocates the money as they want. Not as the customer directs. I made other similar payments this year and the payments were allocated properly. Prior to this year, while checking the box to make an additional payment, they also pulled this same scam.
Consumer complaint received 2022-11-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You are furnishing inaccurate and incorrect information to the consumer reporting agencies. reporting of such inaccurate information has caused severe damage to my character, my rep general mode of living and my ability to obtain credit for personal, family and houschold pu is also damaging my ability to obtain consumer essential goods. You and your inaccurate rep damaged my livelihood. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer re agency if the person knows or consciously avoids knowing that the information is inace
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

Accordi

ng to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 2023-01-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 XXXX  : {$1200.00}
Consumer complaint received 2023-06-20
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Acceptance Company (PA)

On XX/XX/2021, I received a call from Commercial Acceptance Company at XXXX while I was at work so I could not answer. Again, I was contact on XX/XX/2021 at XXXX XXXX  by Commercial Acceptance Company. I asked who was calling and the man on the phone refused to tell me who he was. He continued asking me verifying questions saying he couldn't disclose who he was until he made sure he was talking with the right person. I kept telling him I am not going to give my information to someone over the phone that I did not know who I was talking to. He continued being rude saying I have to tell him this information and I didn't. He eventually said he was a debt collector after going back and forth when he refused to say who he was. I told him, I do not know what debt he is referring to. He continued being rude so I told him to stop calling me and send whatever information he has to the address he has. His rudeness and profound language did not stop. He said that he would continue calling me and all my family members until he finds out who I am. Saying he would contact my grandmother and anyone else he needs to. I told him to stop calling me and I hung up the phone. After all his horrible language, an hour later at XXXX, my grandmother received a call from the same debt collector asking for me. My grandmother immediately contacted me nervous for me. His threatening and harassing actions haven't stopped just there. After telling him not to contact me, he continued to contact me roughly 3-4 since that incident where I clearly said stopped calling me and send me anything through the mail. I never received anything in the mail. Then, I receive a final notice in the mail saying I've been ignoring them and have 5 days to respond or they will take additional action against me. They never sent me any debt notices in the mail prior to this final notice. i never received a letter about the invoice of my ALLEGED debt but they sent a final notice? I NEED HELP! THIS IS ILLEGAL! This company is clearly in violations of my rights!