davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WV)

On XX/XX/XXXX Binance.US rolled out a new XXXX XXXX XXXX XXXX without any type of notice to its end users. This new policy is forcing its users to take a video scan of their face and submit it to Binance.US. and their third-party service providers and their affiliates. If you do not accept and or agree to this new policy you are looked out of your account with no way to withdraw your funds. Obviously this is very sensitive data, and I refuse to take part in this new policy. I also firmly believe in by giving up privacy for security you lose both, and I refuse to let this company take average of my personal data like this and refuse to let them hold my account XXXX until I comply. 

I have tried numerous times to reach out to their support and all I get are automated responses. ( Copy and Paste Replies ) I dont understand how this can be legal. How can a company change its policy without any type of notice and hold a users portfolio hostage without any means of exit. I love the idea of XXXX and what it stands for, and its exchanges like this that give it a bad name. 

Seeing how all of my attempts to get access to my money have fallen on deaf ears, I would like to file a formal complaint against Binance.US
Consumer complaint received 2022-04-16
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)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights to privacy.

15 U.SC 1681 Section 604 A. States I have rights 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 2022-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I have been a long time customer with Wells Fargo for over 11 yrs now. I was with this company before but I left and I couldn't recall why I left but now I do. The poor cmer service and lack of professionalism. Today I went to deposit {$500.00} in the ATM and jammed occurred. I input the amount I deposited which was ( XXXX ) XXXX XXXX  bills. The atm stated that it would credit my account XXXX and it would take two business days to review. I immediately became very upset and contacted customer service. I requested to speak with a supervisor. The supervisor by the name of XXXX stated she would get me on the line with someone that can help apply a temporary credit after I explained I needed the money for utilities, gas, and food. As well, as with no money I have no way to get to work that I'm scheduled to work the next three days. She transferred me to a department that was closed. I called back three different times and no help. Called back to file complaint spoke with a representative who did not listen, was very rude, and kept basically telling me " Oh Well ''. Wells Fargo is absolute worst!!!! Why would you have a department that is not open on the weekends that handles these issues. That's like saying you only have issues Monday thru Friday. I need to my money corrected, I need to be compensated for time missed as work since I have no gas to get there. Any fees I occur or penalties need that credited as well. This is the 2nd issues I have with this company in the last six months. Between XXXX they allowed a scammer to take {$700.00} from my saving account and did nothing to assist me with getting my money back. After seeing many of the complaints and the constant discrimination, just wondering if I was of a different race with the same issues would the results have been different. There needs to be ( another ) investigation opened to review the practices and policies. I need my {$500.00} the ATM stole from me and I need my {$700.00} the bank allowed XXXX Scammer to take from me
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-20
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. (CA)

I would like 2 months of 30 days late payment removed. I was unable to pay CC bill due to XXXX XXXX  faults. They changed systems from XXXX to XXXX and I was unable to access payment accounts from XXXX. I called numerous times to request help with the issue and to request a new card, they even removed all late fees because of my issue. Also numerous calls disconnected without call backs and their system has wait times in the XXXX minutes. The day I finally received my card I activated it and saw I was able to access my account and pay. I immediately called and paid what I could, while removing late fees, and then the day after paid the entire card. Weeks later I saw XXXX 30 days late on my credit report and that my score fell about XXXX points. Please help, I have contacted XXXX by phone and fax and they don't want to help. I am a new credit user who wanted to be careful and this is destroying my credit. Please help.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My mortgage loan servicer, Ocwen Loan Servicing, has breached the forbearance agreement by changing the terms and they did not notify me. I happened to go into my account today and I see that I am delinquent when I should not be. I have been following the terms of the agreement I had agreed on for over a year now. Suddenly the payments have changed. They have increased. I was shocked to see I was still owing for XXXX. I called up to Ocwen confused as to why my payments are different now and the first agent I spoke to, XXXX, said that I was delinquent on the taxes and that the taxes 'had not been paid '. This did n't sound right ( and I later found out she was incorrect ) because Ocwen has been paying the taxes for me for years. I have been escrowed with the taxes. The agent gave me inaccurate information by continuing to assert that I was suppose to be paying the taxes. So I requested an " escalation representative '' and she transferred me to " XXXX ''. XXXX researched my account and said that no.. the previous agent was wrong. She said that Ocwen had been paying the taxes and she then said that it appeared someone had gone into the system and 'changed the agreement ' that I had agreed to in regards to the Forbearance agreement. She could n't understand why they had done this and she then transferred me to XXXX ( a home retention agent ). I asked for XXXX to remain on the line after she offered but XXXX refused to speak to me unless XXXX dropped from the line. He said his computer system would not let him even pull up my account while the Ocwen retention agent was online ( even though she had bagged out of my account ). I knew this was a lie. So at this point I told him and XXXX that this was the third or fourth time my forbearance agreement had been changed without any notification to me or consent from me. I asked her to have her manager call me. The call was concluded. The call was made on XXXX/XXXX/2015 at around XXXX XXXX. 

I have had such trouble with Ocwen. Starting from them over-billing me, Locking me out of my home and trashing my home and putting foreclosure all over my credit reports for two years when I had never been foreclosed. I have prayed for some type of relief. I thought after the previous lawsuit I had found relief. But now nothing has changed. Ocwen is back to changing agreements without notification or consent and I am now again in danger of losing my home. I pray for the CFPB to help me. Please put me in touch with an attorney. Or someone who can help me. No one cares about the little guys. No one cares about us. Please help me.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (CA)

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, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-20
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. (FL)

I want to express how seriously I am taking this matter, and I want you to understand that I am not making empty threats. It is essential to adhere to the law, and I am fully prepared to take legal action against your company if necessary. I have taken the step of sending you certified letters, requesting the removal of inaccurate information from my file, but unfortunately, my concerns have not been addressed. It is crucial that you comply with the Fair Credit Reporting Act and take immediate action to correct the inaccuracies in my file. Failure to do so may leave me with no choice but to pursue legal recourse to protect my rights.
Consumer complaint received 2022-04-16
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. (CA)

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXX  XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX  XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # XXXX
Consumer complaint received 2023-02-08
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-08
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. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-16
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. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2023-02-08
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. (PA)

I suspect a fraudulent account on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The account is listed below. I also noticed that my XXXX is not showing this same collection and I uploaded that screenshot as well. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Balance - {$820.00}
Consumer complaint received 2022-03-16
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am contacting the bureauS today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2024-03-13
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. (TX)

XXXX XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, XXXX XXXX Code XXXX XXXX ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, Transunion and XXXX are not an affiliate of XXXX XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-01-30
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. (PA)

Hello, my name is XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it
Consumer complaint received 2016-02-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefeild and Associates is illegally charging interest on ER visits and claims that they have every right to do so. The refuse to make any settlement on the original debt and stated that the debt was not sold. The hospital specifically stated that the debt was sold and that no interest should be charged. 

I did offer to pay the full balance if the collection agency would send a letter stating they would report the balance as paid in full. They refused, stating that they will only send letters after the payment is collected. This is a bold faced lie. I talked with XXXX who refused to give a last name. 

I have been a debt collector for the last 7 years and know that the statements he made about interest, settlements and letters were all illegal and false
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

I bought a computer and a phone and after speaking with several managers and customer service from the Bank and XXXX support they still have not put my laptop on an installment plan. I have asked them several times and THEY DO NOT HELP! at all. They ignore my request, instead, they promised me that the computer will be enrolled into a plan and the following month the bill ends up higher. This is the worse customer service bank I have ever seen. Also, they do not fix anything instead it is getting worse. For example, last month I paid {$140.00} and this month my bill is {$200.00}. THE WORSE...
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

on XX/XX/XXXX, XX/XX/XXXX i notice two bankrupcy appears on my credit report with Experian that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with experian but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also XXXX is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.
Consumer complaint received 2018-01-27
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: U.S. BANCORP (TX)

US Bank issued Master card gift card failed to work on Point Of Sale and vendor is unable to identify why it failed. Called number back of card and they too do not know why it failed. They are not willing to return fees since failure.