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 service problem — 
Company: BAM Management US Holdings Inc. (CA)

Binance.US has locked me out of my account for not agreeing to their new biometric facial scanning policy for logging in to one 's account. They give no option to refuse. Either you agree or you can't access your account. Also, this policy change happened suddenly, with no notice whatsoever. 

I found out later that Binance.US is being sued for illegally gathering biometric data on their clients. It seems they are now coercing consent to avoid having to pay out to clients for their wrongdoing in the event they lose the lawsuit. Or it could be the government pressuring them to do this, I don't know. I only know it must be illegal to lock people out of their accounts, denying them access to their funds, for not agreeing to it. 

I would like to have access to my account to remove my funds. I've been going back and forth with them by email. They admit that the new policy is unfair and they say they are trying to roll back the policy to allow users access to their accounts without having to agree to the invasive biometric facial scanning, but it's been more than a week and still no change has been made to allow me access. They did send me a nasty email saying I would no longer be able to use Binance.US. Funny, because I had already expressed to them my desire to remove my funds and close my account. After that, they sent me another email apologizing for the inconvenience of not being able to access my funds on their platform. 

They are clearly acting in an illegal manner. I'm not the only one affected by this obvious violation of privacy rights and denial of access to one 's financial assets ( see Binance.US on XXXX ). They should be sued on both accounts.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off account. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XX/XX/XXXX, and my current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My legal name is XXXX XXXX XXXX. My phone numbers are XXXX XXXX XXXX. I have been residing at my address for the past 18 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is where I used to live.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-03-11
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX  : {$6000.00} ; XXXX  XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX XXXX  : {$810.00} ; XXXX  XXXX XXXX XXXX  : {$590.00} ; XXXX XXXX XXXX  : {$2300.00} XXXX XXXX  XXXX XXXX  : {$670.00} ; XXXX  XXXX XXXX  : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$190.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-18
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. (UT)

For whatever reason Trans Union changed account information that was not incorrect to incorrect information. Why I do not know! They had no call to do it and now it's time to fix or delete it! I've attached the correct info along with their incorrect information! Up until XX/XX/23 I was only complaining about XXXX because they are the only ones that keep screwing up my credit report. Now Trans Union?????? Really????? Why???????
Consumer complaint received 2022-03-16
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)

Ive addressed the fact that portfolio recovery has been continuously re aging an account that they purchased. Ive tried resolving the issue with all 3 of the bureaus, the company itself as well as your company and its still reflecting as a reaged account which is effecting my credit.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (FL)

The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the Dept. of Education validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You
Consumer complaint received 2023-10-19
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. (NV)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2016-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (TX)

Based on information provided by XXXX I sought to seek enrollment as a fulltime student at the XXXX university to pursue a XXXX XXXX XXXX XXXX XXXX. Based on expected cost & information provided states tuition & fees ARE NOT billed at the cost per credit hour of {$600.00}. In addition, pre-generated predatory loans with XXXX though Great Lakes Borrowing based on Truth in Lending Act includes fees for the school application of which was previously settled months prior to enrollment. Total amount billed with Great Lakes include Cost of course/ fees for classes I as a student never enrolled, gained education, or scheduled. 

Transcripts of prior courses were provided and approved by the institution before enrollment for credit adjustment to decrease original loan amount for cost of transferrable credit. While enrolled as a Full-Time student all Department of Education Subsidized, Unsubsidized, and Scholarships were applied to Tuition. It was advised if I wish to obtain additional funding for expected living/outside expenses private loans were required, as additional funds received by University would deflate institutional awarded scholarship that is non-cash redeemable. 

With intensive recruiting by agent XXXX XXXX, there was an urgency to begin classes sooner than expected as all documents were secured with appropriate departments. Special structure of program allows access to classes taken online until arrival at the XXXX. After speaking with several other students who were not aware of the process it was determined many students originally failed the online introductory XXXX credit hour course, which is designed for campus resulting in {$1800.00} pay to retake fee. 

Lack of independent accounting practice as done by XXXX and XXXX XXXX, has afforded XXXX to negatively impact student & parent consumers credit with students who are billed {$45000.00} for courses and a negligence to mention approximately {$17000.00} unmet need with Department of Education as expectation of private loans by parent plus or cosigner are to meet student living arrangements. 

After addressing wishes to suspend having loans billed as I would not be attending classes XXXX XXXX continuously billed Great Lakes from XXXX with out approval. 

XXXX XXXX, XXXX I received an email stating XXXX XXXX University reconciled records to determine a XXXX Refund Check was due in the amount of {$1.00} from loans disbursed to the University by Department of Education from Fiscal Year of XXXX for expected associate cost of obtaining a education while attending classes XXXX hours a day 6 days a week. 

Many students ' graduates and those who were forced to withdraw due to lack of XXXX XXXX funding are stuck with the burden of poor quality education, un-transferrable courses and erroneous loans unable to make payment or obtain gainful employment.
Consumer complaint received 2023-07-19
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. (IL)

There is information on my credit report that I need to change. I have tried to contact Experion but the automated system will not allow me to talk to a live person. I have tried different numbers recommended by other websites, but the system still refused to allow contact with a real person.
Consumer complaint received 2016-10-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Heritage Financial Group, Inc. (OH)

I noticed a collection account on my credit from Heritage Acceptance Corporation for a car loan. I immediately went to the credit reporting agencies website and disputed this claim. The credit reporting agencies never received validation and in turn removed this debt from my credit. about a month later on XX/XX/2016 I received correspondence from Heritage Acceptance Corporation. I will put word for word what the letter says. 
This letter is to inform you of certain actions that Heritage Acceptance Corporation has or will take in relation to your account. 
Dispite Heritage 's efforts to collect, this account has a current balance of approximately {$7300.00}. As a result of certain I.R.S regulations and Heritage polices, Heritage is required to file a form XXXX reporting a cancellation of debt. This letter is to inform you that Heritage is filing a XXXX related to the account. Generally, the IRS considers forgiven debt as additional income. You should consult with you tax professional to determine if this will impact your tax liability After receiving this letter I got a call from Heritage acceptance at my work trying to verify employment. I also got another letter from Heritage stating they are going to request that this account be updated back on my credit. 
My question is why am I being bothered after a letter was sent out stating my debt was cancelled? Also, what is Heritage intentions with verifying my employment on " cancelled debt ''? I do n't want to assume but I feel as if this is a bullying tactic and harassment.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been a Fifth Third Bank customer for many years. I have a XXXX XXXX XXXX I took advantage of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX approx. XXXX. I had no other balance at the time. I was XXXX in XXXX and my payment was a few days late. I made the payment and called about the {$29.00} late fee which was reversed. However, they are now charging me a default interest rate of close to XXXX XXXX I called XXXX XXXX XXXX and was told that the late payment was the cause. I indicated that I had been an excellent customer with no history of late payments and XXXX XXXX was excessive in this case. I was told nothing could be done. I went to the local branch the same dayto speak with a XXXX who was not in. The teller indicated an email would be sent to a XXXX in the proper department. This was XXXX weeks ago. I heard nothing. I paid the card off on XXXX XXXX, but was charged another {$110.00} representing the XXXX XXXX interest with the entire amount due in XXXX rather than a minimum payment. I think this is just consumer abuse
Consumer complaint received 2023-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

I am a senior XXXX with the XXXX XXXX XXXX and have been with the Department for 11 years. I filed my employer certification with Mohela for XXXX in XX/XX/XXXX under the XXXX. At the time, I had XXXX of XXXX eligible payments. On XX/XX/XXXX and XXXX, XXXX, I received three letters from Mohela. The first stated that I had XXXX eligible payments and XXXX qualified payments for the XXXX. The second stated that my employer had provided an end date to my employment and my certification was not accepted. The third stated that Mohela had determined that my employer is not a not-for-profit and my certification was not accepted. 

The reasons for Mohela 's denial of my certification were factually erroneous. My employer did not check that I was no longer employed with them and the XXXX, a federal department, is in fact a non-for-profit. Since I could not cure Mohela 's errors by resubmitting documents, I called Mohela on XX/XX/XXXX. After a XXXX minute wait where the call was disconnected, I spend more than XXXX hours waiting to speak with a person. The person I spoke with reviewed my application and was able to verify that my certification was correct, the letters were erroneous, and the documents would be refiled internally. She further confirmed that Mohela has not accepted my employer certification since XXXX, XXXX. Until then, Mohela accepted the DOL as a not for profit with the same EIN, address, and name. 

I have contacted Mohela twice since XX/XX/XXXX because my account online still states, " Your PSLF eligible and qualified periods are expected to be updated through the XXXX XXXX XXXX process beginning mid to late XXXX based on your certified employment/employer. '' This message has not changed since XX/XX/XXXX. Each time I have called, there is no record that my certification is being reprocessed and I can not get any information from Mohela regarding the status of my loans. While Mohela has been " unindated '' with applications, they are failing to record and provide basic account information, properly review submitted information, and either have no process to correct their own errors or will not provide information on such process.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (CA)

I have made payment in Full to the collection agency ( Receivable Performance Management-RPM, Washington State ) since XXXX 2014 and after several calls to the Debt collector, the information still remain on my credit report as the OPEN unpaid. i have called them several times in XXXX, XXXX, XXXX, XXXX and now XXXX to correct this error and they promised to remove but have not done anything. This inaction is affecting my credit despite making full payment.