davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BAM Management US Holdings Inc. (IL)

Binance a partner of BAM trading services inc offers a product called " XXXXXXXX XXXX XXXX XXXX XXXX XXXX transactions. Without notice or authorization XXXX of usdt was removed from my account. I approached BAM on XXXX occasions and all three tickets were promptly closed offering no response or resolution. 

Because BAM ignored and closed my support tickets, I went to their Binance partner / investor for resolution. They simply responded saying XXXX is a separate company even though Binance has financed them. 

A crime has been committed, i have lost XXXX dollars and I expect to be reimbursed in full. Trust wallet has been negligent, and it caused this lose due to lax application security. 
These tickets and reports will continue to be logged until i am satisfactorily reimbursed for my losses. 

If i am not reimbursed, XXXX will procedure with small claims legal actions against both Binance and Bam trading.
Consumer complaint received 2023-05-08
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)

Despite my persistent efforts to correct my Credit File, the disputed accounts and information continue to be reported, which has been disappointing. I have sent dispute letters and ID theft reports to the Credit Bureaus, and I have also submitted CFPB complaints, but these have been ignored. The Credit Bureaus ' failure to comply with the Fair Credit Reporting Act section 605b is a violation of my rights as a consumer. They claim the disputed information is verified, but they have not provided me with proof. I am informing the Credit Bureaus that I will be working with legal counsel to file a lawsuit if the disputed accounts and information are not removed within the time frame allowed by law. I want to avoid any trouble, and I kindly request that the following items be removed from my Credit File. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX BANK XXXX XXXX : {$65000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/XXXX 2020, I made a transfer of {$500.00} ( out of my XXXX Federal tax return which was direct deposited into myXX/XX/XXXXServe American express Prepaid Account ) into my BankMobile Checking account ending in XXXX. Up until today, XX/XX/XXXX/20 there was a " processing transaction '' note including the amount on my Serve account statement summary. Serve by American Express will not respond as to what is going on.
Consumer complaint received 2023-05-08
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. (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.

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.
Consumer complaint received 2020-04-06
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. (MD)

THE XX/XX/XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

15 U.S. Code 1681- Congressional findings and statement of purpose 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.b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( e ) Limitation of liability Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ 2 ] except as to false information furnished with malice or willful intent to injure such consumer on such date acccounts have been open since XXXX  I will attach identity theft report but the credit bureau have yet to correct addresses and account the where open illegally
Consumer complaint received 2023-07-31
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. (TX)

I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. XXXX and XXXX have removed this account due to them not being able to verify this account. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Please see the True bill attached for FCRA violations.
Consumer complaint received 2020-04-06
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. (MD)

THE XX/XX/XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

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 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-11-07
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. (MS)

I noticed a few years bank a account came onto my credit report from XXXX XXXX. Ive been tried to have it removed since. Its not mine, definitely fraud. Someone had to have stolen my identity for that account.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MO)

I was the victim of an elaborate XXXX  XXXX  scam that started on XXXX XXXX of 2021. I hired an investigator who helped me track down my funds after I discovered it was a scam and they found that the scammers were keeping my funds in a Binance wallet. I tried to provide the information that Binance.com requested after I told them that I was scammed on Friday, XX/XX/XXXX ( today ) but they said that it was insufficient even though it shows the wallets that I sent money to ( the scammers ) and if you look at the XXXX, it gives the transactional details and shows the accounts where my funds are located. I asked them what they would do with the information that I provided, and they said they would not provide me a refund without a request from the police, even though they are still responsible for allowing criminals to commit crimes through their platform. Cryptocurrency platforms are obligated to abide by the Anti-Money Laundering Act just like other financial institutions. I lost {$19000.00} to the sophisticated scammers altogether and they need to give me my money back.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Systems International, Inc. (TX)

I logged on to view an alert on my credit report today, XX/XX/22, and I notice an alert from Credit Systems International which is an account I never opened. Nor, did I receive any statements in the mail regarding this account or any balance owed.
Consumer complaint received 2020-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Northstar Education Finance Incorporated (DC)

I received a letter from my student loan lender Northstar, which claimed that they would be suspending the repayment bonus for my loan. In the form letter it states that the T.H.E. Program was merely a gratuitous reduction but it is a contractual obligation. 

Northstar settled a similar suit in XXXX after it similarly suspended the program in XX/XX/XXXX under the justification of ongoing disruption in the global markets. That deal required the lender to honor the interest-lowering program for the remaining life of the loans.
Consumer complaint received 2020-04-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed XXXX XXXX XXXX XXXX XXXX XXXXDismissed with you. In response, you verified the item as accurate, stating that your office has verified the information with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the court disputing this bankruptcy directly with their office, and their response is enclosed for review. 

From conversations over the phone and in the letter, they sent me, they have confirmed they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error on your part or misleading. 
Either way, the reporting of this Bankruptcy, which I NEVER initiated or requested does not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. I want to XXXX + days late REMOVED. You can not legally report lates and you know this. You are reporting XXXX + days late, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The delinquent date from XXXX  XXXX was XXXX I have NEVER entered a payment agreement with MidLand Funding XXXX 
When a debt buyer re-ages a debt, it often falsely reports new account activity, such as recent payment delinquencies, or it might alter the date of your account, such as changing the date you opened the account or last made a payment. 
I have NEVER disputed this old collection. Out of the blue your agency is now reporting consumer disputes this is a lie and you are wrongfully reporting false information on my credit report. This needs to be removed immediately. Each time the credit bueauers remove the dispute remark within XX/XX/XXXX hours Mid Land puts the remark back on my credit report.
Consumer complaint received 2020-04-06
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. (MS)

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my 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
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I affirm that the incorporation of inaccurately reported late payment remarks on my accounts is a violation of the 15 USC 1666. Every payment associated with these accounts has been promptly remitted, and any deviation from this accurate reporting is unjust and unlawful.
Consumer complaint received 2020-04-06
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. (MS)

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my 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
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank of America debit card was cancelled on or before XX/XX/20. This happened because of some unspecified " merchant compromise '' and was not related to my bank balance or any action of mine. 
Despite having my phone number and email address, as well as the ability to message me through the BOA mobile app and online banking, there was apparently no attempt to notify me of this action. 
I found out when I tried to buy breakfast on Saturday morning. After less than an hour on hold XXXX barely XXXX I spoke to a BOA employee who said the cancellation was " for my protection '' and promised a new one in 3-6 business days. This means a week or more of no cash, no ability to order online, no scheduled payments will be honored, etc. Luckily, I had XXXX old checks in a drawer and I found an open BOA office where I could cash one. Hope everyone 's taking cash ... 
This was an unforgivable lapse of service and a serious, ongoing problem for a customer of XXXX years.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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.
Consumer complaint received 2022-12-29
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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.