davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Date happened - XXXX Amounts - None Issue - Unable to view the credit report with reason being " subscriber is not in a desired account state '' though the account was active until XXXX. This account active date was confirmed by the Experian XXXX support XXXX. 
XXXX- over XXXX hours of phone call, spoke to XXXX people. 
In XXXX of the call threads, got transferred 3 times to XXXX different people. 
Started with Experian XXXX membership department who claimed the issue had to do with the credit report information ; routed to Experian dispute department who claimed the issue had to do with membership ; then back to Experian membership department who again claimed the issue had to do with the credit report information. 

Called XXXX times again later, one support specialist claimed they could not hear me ; called the next one kept saying " let me check ... '' and dropped the call called the next one who dropped call in the middle, called again and got dropped without even speaking to them. 

Comments - Highly unreliable service/product as well as unreliable and unsupportive customer service, very concerning given that they handle highly sensitive personal information. No one can resolve the problem other than routing the problem around. Ended up canceling the account and attempted to sign up a new one. 
It turned out then I can not sign up because " they are unable to verify my identity. '' Unreliable service, no one assists in resolving the issue and they just lock your account and tell you " sorry you have to wait. ''
Consumer complaint received 2023-06-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account NameXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc. (CA)

I owed about {$80.00} to charter kids clothing department, in 2019 sometime in XXXX, then left to XXXX because of Covid-19 lockdown I was stuck there with my 8 months old baby, after coming back to USA in Aghast collection agency called me, telling me to {$270.00} I ask them what is original amount because I forgot exact amount, they didnt come back to me, I also explained my situation that let payment was not intestinal act, now amount is {$340.00}, I contacted them offering {$100.00}, and asking for forgiveness because I am single mother and cant work in COVID-19 situation, I requested them to let me speak with supervisor but, supervisor didnt contact me. 

They are asking whole amount, which I dont have it, I am not working, i cant buy second hand car because of my credit they have screwed up. 

They did not send me anything by post, just mounting amount, and repenters are stubborn just want their {$340.00} whole amount. 

Please help me, I am able to pay {$100.00}. 

Thank you
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (CT)

An affidavit was sent to EquiFax due to someone attempting to open accounts using my name and social. Due to this, hard inquiries were placed on my account and negatively impacted my credit score and my ability to get approved for funding. 30 days passed and a letter was received stating they needed a copy of my ID and Social which was sent in the original packet sent to them. Original packet was sent on XX/XX/XXXX and it included the affidavit, dispute letter, and copy of social and drivers license.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

the mortgage was taken over from another company who allowed us to make advanced and partial payments, M & T has allowed, it, but then they have been holding the funds and not applying them when they are received. therefore not giving us the interest reducing benefits of paying ahead of time. this misapplied payment procedure has cost us thousands in interest. that should be removed from the mortgage, as they hold our funds for weeks ( every month ) and then apply it. this has been going on for years since they took over the mortgage. we did not notice it at first, but then we asked them to apply the funds properly and to go back and fix what they had done and they refuse to, and they actual show the funds as unapplied on the statements. the attached examples reflect them holding funds and it it the same on every statement in between, month after month, year after year.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NJ)

XXXX Chase credit card accounts that I have in good standing charged me more interest this month, even though my balance was lower. When I called, there explanation was it was calculated on the average daily balance, but how can that be when I have not used the card and my balance was lower than the previous amount?
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (TN)

I have been using Binance US for cryptocurrency trading and investing since its inception. It is regarded as the largest worldwide trading platform. I have been trying to withdraw about {$600.00} or so for 2 weeks now to the same account that deposited the funds. The transaction has been Pending and Binance US nor XXXX XXXX XXXX which handles the USD transactions will respond. I will be needing to withdraw $ XXXX plus here in a few weeks to pay taxes and am afraid the funds will be locked as well. 

I have seen hundreds of people posting about months of no responses which is just plain unacceptable. It defeats the purpose of cryptocurrency. I urge all customers to think twice before falling into this scam. I mean how can they get away with this being so large and having so many big name people joining the firm. SCAM
Consumer complaint received 2021-04-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2021 to Experian requesting the reinvestigation of the accounts listed below. 
XXXX Account # XXXX XXXX  - Card Service Account # XXXX I stated that these accounts are unverified and needs to be deleted. Till this date I have not received a response. I mailed out another letter on XX/XX/2021 demanding for the accounts to be deleted as it is unverified. I previously filed a complaint with the cpfb and it was closed stating that experian needed authorization. I called experian on XX/XX/2021 and they stated that my dispute is being worked and they dont need any authorization from me. This is a deceptive practice by experian to stall. 
Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These items needed to be deleted immediately.

My information was also impacted by the XXXX  breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Divorce in XXXX. Took on too much debt in the divorce. Signed up for debt relief service in XXXX. Setted all debt but one- XXXX XXXX 

XXXX charged the account off I XXXX. I received a tax bill for the charged off debt in XXXX and paid it. XXXX is reporting the account is closed but still reporting that I owe them. 

XXXX is holding my credit report hostage. They're aren't even offering me a deal. They charged the account off, closed it, reported it the IRS, I paid the bill and they are still reporting it. Why? To be vindictive? I'm never paying them a dime AND I'm a servicemember.
Consumer complaint received 2015-09-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My bank charged me {$36.00} every time I used my Debit/credit card for a transaction when I did n't know my account was in overdraft. They never notified me that I was in an overdraft status. My overdraft fees are approx {$320.00}. I called and had them turn off my " Overdraft Protection '' on the debit portion, but they sated that I cant turn it off on the credit card portion and I would continue to be allowed to charge and would just incur a fee of {$36.00} each time I did so if my account was in overdraft.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

No matter what happens chime tells me Im at fault for something and wont be credited .. 

The XXXX XXXX XXXX XXXX XXXX dispute I have i need to be credited for The XXXX dispute I had I should be credited for theyre system doesnt tell you whos account is connected to a number until after You send it and then they tell you its nothing they can do I didnt notice I put the wrong number and do now Im just out of my $
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (IL)

Received a brinks money prepaid debit card with a routing and account number, not sure how or why, i didnt sign up for anything and i dont have a bank account yet.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO APPROVED MODIFICATION AND ALLOWED ME TO MAKE TRIAL PERIOD PAYMENTS BUT THAN REFUSED TO SEND ME MODIFICATION DOCUMENTS TO SIGN. ALSO CHARGED ME FOR INSPECTION FOR MODIFICATION. ALSO HIRED LAW FIRM FOR FORECLOSURE. I FILED MOTION FOR MEDIATION THRU XXXX XXXX FLORIDA.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MO)

XXXX XXXX, XXXX -I received notification about debt through National Credit Systems , Inc . I immediately set up payment arrangements with XXXX XXXX Collection Representative. I scheduled 3 payments of {$75.00} first payment for XX/XX/XXXX. I contacted the representative again on two other occasions XX/XX/XXXX and XX/XX/XXXX for payments of {$75.00} for six months. These payments did not post though I gave the Representative checking account information on each of the dates stated above. 
On XX/XX/XXXX, NCS reported the debt to the credit bureaus. I again called Mr. XXXX to inquire why the account was reported to the credit reports and he couldn't answer the question. I asked for a letter stating the payment arrangements including a letter stating the account will be removed from the credit report. Mr. XXXX stated he couldn't give me either letter because NCS doesn't do that. I asked to be a supervisor and was directed to 2 separate individuals who did not answer their phones. I have requested 3 different times to talk with a supervisor, promised callbacks, and have not heard from anyone. I requested from Mr. XXXX the ability to make payments online and he stated NCS doesn't do that either. He refused to provide documentation to the above payment arrangements and the request of date removal from credit bureaus.
Consumer complaint received 2021-04-23
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. (GA)

Mortgage company XXXX XXXX  has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Mortgage company XXXX XXXX has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Mortgage company XXXX XXXX  has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.
Consumer complaint received 2021-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (TX)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which PNC MORTGAGE is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

PNC MORTGAGE is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (MA)

BinanceUS took {$1300.00} from my account then blocked withdrawal/transfers. They did this without explanation. 
I have deposited fiat and transferred cryptos many times with them, and this is the first time they took fiat from my account without authorization and blocked access to withdrawals/ transfers. 

On XX/XX/XXXX, I made an ACH deposit of {$1000.00} to BinanceUS. Those are immediately credited to my account, but it did not for some reason. The money cleared my bank but was not credited to the balance on BinanceUS. I immediately submitted a ticket. Essentially, their support staff told me to relink my bank account or re-verify my bank account. The latter made no sense, and I worried it could create a new set of problems as verification is a multiday procedure. I explained that, and they put me in the queue and said not to submit more tickets. However, different issues arose. 

Two days later, {$350.00} disappeared from my account. There was no transaction history, and BinanceUS did not explain. Before this happened, I wanted to withdraw the remaining fiat and transfer my cryptos but received a notification that my withdrawals were locked due to security risk. 

As it stands, binanceUS has total control of my cryptos and has taken {$1300.00} from my account without explanation. 

Attached are our communication and screenshots showing the deposit to binanceUS cleared. Also showing {$350.00} in the account, which disappeared without explanation.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.
Consumer complaint received 2023-06-29
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. (TX)

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.