davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/2022 I was notified that a deposit initiated on XX/XX/2022 had not been received by Binance US in the amount of {$500.00}. I was delayed in responding in a timely manner. Because of the delay in my making good the deposit my account was locked. Usually Binance US will sell crypto currencies to pay themselves the balance due and make good the account. Notice was sent to me that this was done on or about XX/XX/XXXX. Usually they wait a couple of days and then open the account for access to the customer. This was not done and the account is still closed to me. I have about {$40000.00} in the account and need to access it to manage it properly. I am sure they are not trying anything shady, I just think it is lazyness that they don't act when they should. I have sent 2 tickets to them about this matter with no reply. Ticket # XXXX was sent XX/XX/XXXX ( a little premature ) and ticket # XXXX was sent XX/XX/XXXX. I have had no response from them. Can you please help me gain access to my account?
Consumer complaint received 2022-06-03
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)

According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

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

15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a dispute letter to Equifax, XXXX and XXXX XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner
Consumer complaint received 2022-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute letter to XXXX, Transunion and XXXX XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner
Consumer complaint received 2022-06-03
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accountsin my Credit Report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-03
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. (TX)

TRANSUNION RECENT REPORTED A COLLECTION ACCOUNT THAT IS NOT MINE, ALSO THIS COLLECTION ACCOUNT WAS PREVIOUSLY REMOVED FROM MY CREDIT REPORT FROM ALL 3 BUREAUS. I DO NOT OR NEVER HAD AN ACCOUNT WITH XXXX, XXXX CAN NOT PROVIDE ANY CONTRACT SIGNED AGREEMENT, PHONE CONVERSATIONS OR SOCIAL SECURITY NUMBER OR MY NAME ON AN XXXX ACCOUNT.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (WI)

In 2008 I attempted to open a bank account with XXXX, It was closed within a few.weeks due to a XXXX  alert. I found out that I had an outstanding debt with US Bank, which I paid and was finally able to open an account with XXXX. I recently was contacted by an attorney informing me I was going to be sued for non payment on a XXXX XXXX XXXX debt on a bank account that I actually had paid. So far no proof has been provided and am asking g for the CFPB to interview on behalf I help with validating this claim against me.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Halsted Financial Services, LLC. (CA)

I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. That was the first and only time that I received any communications about that alleged debt prior to seeing it on my credit report. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. It was sent to XXXX XXXX XXXX, which contracted it out to Halsted Financial Services. I really need help because none of these companies are responding or even available for questioning.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion has missing tradelines from my credit report that was once on it. These missing tradelines include XXXX and XXXX. This missing information denies me the full financial responsibility for over a year of on-time payments.
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Citibank blocked/froze my account.

This whole ordeal started with my employer 's check being bounced due to their automatic fraud protection procedures. I was issued a new check and I deposited it into my Citibank account without problems. Subsequently, I setup direct deposit with my employer to avoid this problem in the future.

After the first direct deposit from my employer, Citibank " blocks '' my account and I am unable to access funds. I call Citibank to inquire about my account, and am transferred from department to department before they rudely and abruptly hang up on me.

I've attempted to reach out to Citibank via telephone over 5 times, and each time yield the same results. They would transfer me from department to department ( usually a 30-45 minute process ) before rudely hanging up on me after telling me that they can't release any further information.

This happened while I was filing for bankruptcy, causing me extreme hardship and greatly affected my ability to stay alive.

I NEED my money and am having trouble staying alive without it.
Consumer complaint received 2022-06-03
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. (MI)

I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX of michigan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (VA)

Equifax has a missing tradeline from my credit report that was once on it. This missing tradeline is from XXXX. This missing information denies me the full financial responsibility for over a year of on-time payments.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX || Account # : XXXX - XXXX  || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX  || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX  || Account # : XXXX - XXXX XXXX  || Account # : XXXX - XXXX XXXX  || Account # : XXXX XXXX XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX FIN XXXX || Account # : XXXX - XXXX XXXX XXXXXXXX || Account # : XXXX - XXXX XXXX ( Original Creditor : XXXX XXXX || Account # : XXXX - XXXX ( Original Creditor : XXXX XXXX ) || Account # : XXXX
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I made an online payment using the Bank of America online portal. Prior to this, my phone was stolen on XX/XX/XXXX, which resulted in me needing to have my ACH information on my bank account changed after realizing I had multiple transactions I was not aware of. My bank told me all " familiar '' charges ( IE : insurances, credit card payments, etc. ) would not be impacted. On XX/XX/XXXX I received an email saying my payment failed. I attempted multiple times to log back into the app, but by the time I got the email it was outside of the XXXX minutes they provide you to log in for security purposes. After failing again today I called them, and was told that as of XXXX my account was cancelled due to non-payment ( have missed 2 payments EVER ). I did not receive any email until I called in ( I have phone records of this ). I spoke with a Senior Credit Analyst and they told me they would submit a request to reopen my account, NOT TELLING ME THEY'D DO A HARD INQUIRY ON MY CREDIT RESULTING IN A DING. For such a large financial institution, their business practices are disgusting and frankly I am wanting my account reinstated effective IMMEDIATELY. I made a {$1200.00} payment today that has gone towards the account. I need someone to contact me ASAP and I will continue to report them to every organization possible in addition to sharing my experience on social media.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX XXXX XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2022-06-03
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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 to the Fair Credit Report Act Companies/creditors listed below has violated my rights. 

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-19
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. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.
Consumer complaint received 2022-06-03
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. (CA)

in accordance to the Fair Credit Report Act Companies/creditors listed below has violated my rights. 

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because XXXX is given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-03
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX