davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

I transferred {$100.00} worth of XXXX into Binance.US to transfer out XXXX, to buy some crypto on the XXXX XXXX. After initiating a transfer on the XXXX XXXX, transfers complete within a XXXX  or XXXX. 

I requested the withdrawal of {$95.00} of XXXX out of Binance.US at around XXXX XXXX  ET on XX/XX/XXXX Friday. After several hours of waiting I contacted Binance support and they told me to wait a few hours because this was a XXXX XXXX XXXX ''. Meanwhile, all my other transfers on XXXX are going through almost instantly and still are. On XX/XX/XXXX Saturday morning the transfer had failed due to 'network too busy '. I initiated another transfer and it is still stuck in Pending. Binance employees just say the 'network is congested ' when it can be confirmed that it is not. Thankfully I was testing this out with just {$100.00} but I believe Binance is holding and commingling customer funds for their own use without customer consent
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting process. Despite my efforts, incorrect addresses continue to be listed on my credit report, negatively impacting my financial standing. 

I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect address remains unchanged. I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Consumer complaint received 2023-12-16
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. (TX)

I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof that the breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. XXXX and XXXX have since removed this account. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated, and time stamped. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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. (TX)

I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated and time stamped. XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

XX/XX/ I used my ATM/debit card at a stand alone ATM at the cruise port in XXXX XXXX XXXX This is the ATM to the left of the duty free shop. I went back to the cruise ship and decided to log into my bank app to see if my tax return had been deposited into my account. ( about 20-30mins after the ATM transaction. ) I noticed 2 problems : 1. The ATM says it was a {$10.00} fee for using the ATM and it charged me {$20.00}.

2. There was a charge on my card for {$2300.00} for XXXX XXXX I have no idea what XXXX XXXX is. I immediately called the bank to see if they could stop it, they said I had t wait for the transaction to completely post which would take a couple days. 

I also immediately shut my card off to prevent further issues. I went back to that ATM to look around and noticed every time someone approaches the ATM a lady with a board creeps over and stands next to it. Also I noticed on the WIFI of my phone there was a network called " guest. owned device '' side note : yes I had my card in my possession at all times I told the bank this info and they denied my dispute twice. Also they should be able to see that I have rarely if not ever used my debit card in that way ( ie to charge as a credit card type transaction ). I also can prove that I was using another credit card for everything else on that particular day. PNC bank is saying I can not prove it wasn't me more or less.
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On my credit report it shows XX/XX/XXXX as a late payment on the XXXX Toyota XXXX when in fact i have Prof of Extension agreement between me and Toyota Financial Services that state the agreement of extension of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-12-16
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. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

MADE MY XXXX PAYMENT ON XX/XX/. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/24 {$4500.00} was taken from joint account. Called Navy Federal Credit Union XXXX was told by debt collections department that {$4500.00} was taken from joint checking account despite this being a sole individual credit card debt and not joint credit card debt. Navy federal credit union stated that they could even take the funds acknowledging that they did not have to adhere to the statute of limitations regarding credit card debt.
Consumer complaint received 2023-02-13
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. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

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 antedsates 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 2024-04-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MO)

Synchrony bank /Amazon store card account # ending in XXXX. I do not have an account with Synchrony bank. They claim I have a balance of {$180.00} with the amazon store card. I have no such card???
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My student loan was closed, XXXX of the XXXX agencies closed all acccounts, as advised by the department of education, but Experian had a separate, older account showing open with the full amount of the old student loan for aidvantage. XXXX and Dept of education have my loans closed out. 

I submitted dispute, nothing changed. I called and their customer service took no action onine and said all amounts were verified. I spoke to XXXX, they even sent me an email stating the contrary. I submitted XXXX more diputes with Experian to close the aid vantage and zero the balance, they are refusing saying I still owe money according to their records. 

I sent department of education email stating my loan was closed, email that moehela had replaced aidvantage and the moehela was closed with XXXX balance and then the aidvantage email saying congrats, your loan balance is XXXX and closed. 

They obviously are committing fraud by a ) keeping an incorrect balance, b ) keeping an account open that the sponsor even claims is closed and probably trying to sell it to a third party to try to make some financial gain from this. I don't trust experian did anything for background research ; they certainly did not call aidvantage who confirmed Experian made no contact with them in their records. 

I want my record corrected or I beleive I am entitled to legal action for their fraudulent published info. If they are trying to force me to accept incorrect info, how many thousands of others do they do this too to perpetuate bad credit, bad loans, etc. They deserve to have the CA department of justice to investigate and that will be my next stop.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

On Sunday, XX/XX/XXXX at around XXXX, I used my blue cash preferred consumer credit card ( card issued by Amex ) at a merchant, XXXX XXXX online at the mechant 's website ( XXXX ) in an attempt to redeem an " Amex offer '' ( promotional offer issued by Amex ). The offer terms consisted of the following, add the offer to your account before purchase ( done ), spend {$100.00} with your blue cash preferred card online ( at merchant 's web site ) or in-store by XX/XX/XXXX and receive {$20.00} credit. I spent {$100.00} at the merchant 's web site on XX/XX/17 and no credit was issued following the transaction and after 4 follow-up phone calls with American Express Customer Service . I can provide the email confirmation as additional proof of purchase with the timestamp if necessary. Thank you for your assistance in this matter.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OH)

My federal school loans have been serviced by Aidvantage for approximately XXXX  months. My loans are not showing on my credit report. I asked about this and Aidvantage said they only report to the credit bureaus if I go into default. 

In other words, my credit does not benefit when I'm current on my payments but would get hurt if I stopped making payments. 

Why isn't Aidvantage required to report to the credit bureaus?
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (MS)

I recurve a loan for student aid on XX/XX/22 and was withdrawn from school on XX/XX/22 for unattended classes due to being XXXX now every time I call about my grant and aid refund the school said they are keeping the funds I've asked them to help me understand what I need to do to receive my student aid disbursement.
Consumer complaint received 2023-12-16
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. (FL)

I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my XXXX loan information has been reported to credit reporting agencies, XXXX, Experian, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX  loan information and the legitimate interest each entity had in obtaining this information.
Consumer complaint received 2023-12-16
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. (CA)

Im disputed this account is not mine : ; I have previously disputed the following accounts and have not receive method of verification please see below request and account information Account info Account name : XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX account XXXX XXXX Account name XXXXXXXX XXXX Account number account # XXXX Account name XXXX XXXX account XXXX Account name ; XXXX Account number XXXX account collection and banktuptcy I request for the third time that you provide the method of verification the agency used. i asked : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. 
To date, they have not provided me with a copy of ANY documentation ; Furthermore, they have failed to provide the method of verification as required previous complaint it stated thay they are still working on this account that is incorrect they have investigated these accounts more than 3 times and still no type of verification on accounts.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I attempted to invest in XXXX with a plan to store it in cold storage. Starting on XXXX and going through the end of the year, I accumulated XXXX BTC. After a test transaction ( and one other XXXX XXXX XXXX  ), the ability to send crypto off of the Coinbase platform was revoked ( XX/XX/XXXX ). I contacted their support starting out weekly and then eventually monthly. I felt like the lead me on by saying on multiple occasions that my " account is being reviewed by a specialist team and my ability to send would be reinstated on X date ''. So, I continued to build up my position because I felt like Coinbase was reputable enough in the crypto space and I have not done anything shady whatsoever and would never do anything shady. Anyway, the investment value grew to over $ XXXX USD and I was starting to get nervous about 1 ) my assets being on a crypto exchange where I am considered to be an " unsecured creditor '' so long as the exchange is the custodian 2 ) the horrendous support. They have a tier 1 support that you can contact and they are usually quick to help and respond, but I was given exactly 0 insight into when my sending feature would be reenabled and why it was disabled in the first place. They even told me that for security reasons they couldn't talk about the details of my review. I opened up a formal Coinbase complaint on XX/XX/XXXX regarding my ability to send. On XXXX XX/XX/XXXX they finally got back to me ( after the deadline they have for responding to the complaint ) and they replied with " In that case, we explained that To safeguard against potential loss from an irreversible transaction, your account has been prohibited from sending cryptocurrency off the Coinbase platform until XXXX XX/XX/XXXX. In the meantime, you can still convert your crypto to cash and transfer the funds to your verified bank account. ". So, of course I ask for more details and get nothing. I own the Bitcoin and I want to store it in a multi-sig cold storage setup, who are you protecting from loss??? At various times I completed various questionnaires and verifications ( the same ones multiple times ), but it never led to anything. If you had $ XXXX locked in a bank account for some reason, the bank would likely be very communicative about it. Coinbase seemed like they were trying to tell me the same generic thing over and over again until I just went away. On top of that, it was never proactive. Clearly I had a half a XXXX dollar concern that I expressed multiple times, but I had to continuously bother them if I wanted to hear anything at all. Anyway, I didn't want to, but I sold XXXXBTC simply so that I could reduce my risk exposure to a company that I absolutely do not trust at all. I paid them $ XXXX in fees and because I sold, the short term capital gains tax is going to be over {$30000.00}. I'm not going to give up on sending the remaining, but once I get my BTC off of Coinbase I will never use their services again.
Consumer complaint received 2023-12-16
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. (MS)

Hello I was born with a twin sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my twin. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a complaint against a debt collector who keeps putting a old debt from credit Bank on my credit report that is an accurate when I called the Credit debt collector. They was very rude yelling and screaming on the phone and telling me that they are not gon na take it down even when I told him is Messing my credit up I reached out to Trans Union. Trans Union will not fix it. I sent the documents and they wont let me dispute it