davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (OR)

I wish to file a formal complaint regarding the company BAM Trading Services Inc. hereby treferred to as BINANCE.US where I hold a trading account with assets worth in excess of {$1500.00}. 

I am disputing a {$250.00} transaction that occurred on XX/XX/2021. 

Through their online trading and direct deposit service, I requested to credit my BINANCE.US trading account with {$250.00} via ACH from my bank. BINANCE.US website service presented me with an error that the transaction failed. 

I attempted the same transaction and it succeeded. However when I looked at my bank statement, I saw that BINANCE.US had withdrawn {$250.00} on XX/XX/XXXX as well as {$250.00} on XX/XX/XXXX. Yet BINANCE.US never credited my account for the second transaction. 

There is no direct contact information or option to call or email directly so I opened a support ticket using the BINANCE.US website to dispute the {$250.00} transaction that had never been credited to my account. This support ticket has never been responded to and remains open to this date. 

After several messages sent to my support ticket did not receive responses. I informed my bank to enact a chargeback for the {$250.00} amount. My bank investigated the matter and sent me a notice saying my dispute was valid. They have since credited my bank with the {$250.00} amount. 

On XX/XX/2021, BINANCE.US sent an automatic email to me stating that a chargeback had occurred, they matched it to the XX/XX/XXXX transaction that succeeded and said nothing about the second XX/XX/XXXX transaction that was never credited to my account. The email instructed that I needed to deposit {$250.00} to restore my account to good standing. I am unable to make such a deposit since my XXXX ACH deposit ability is now frozen. They have threatened to liquidate my account holdings valued at over {$1500.00} if the deposit is not made within 7 days. Most worrying is that BINANCE.US have locked my trading account so that I can not withdraw or trade my {$1500.00} worth of assets that they are holding hostage. 

I have opened another support ticket with BINANCE.US to try and establish communications with the company but have received no response. 

I have proof in the form of PDFs and screenshots that show BINANCE.US withdraw the {$250.00} amount twice but only credit me once in their account. I also can provide a copy of the letter I received from the bank that determined my dispute is valid. 

I am requesting that you send a letter to BINANCE.US informing them that they must restore access to my trading account and allow me to withdraw my assets which far exceed the value of the dispute. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-04-15
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. (TN)

I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated. 

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error.

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB.

The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes.

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974.

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. 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.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have tried to dispute US BKPT CT TX XXXX XXXX  XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to XXXX XXXX records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

Between XX/XX/XXXX and XX/XX/XXXX I applied for an automobile loan. The dealership sent my credit application to several lenders each time without my direct consent. I have called the lenders and none can produce a signed application for credit with their companies.
Consumer complaint received 2021-06-14
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (AK)

On XX/XX/2022 I applied for an Arhaus credit card which uses Comenity Bank to process their credit card applications ; however, I never received a response regarding my application. Arhaus/Comenity Bank never issued an approval or denial letter for the credit card application. I contacted Comenity Bank on 6 different occasions and was either transferred to departments that were not opened, transferred to lines where no one answered the phone, told to reapply for the credit card, and/or provided my demographic information on more than one occasion to several different people who could not confirm my application status -- basically stating they have no record of me completing a credit card application. I then filed a dispute with XXXX, the credit reporting agency that Comenity Bank used to obtain my credit report since Comenity Bank said they had no record of my applicaiton, only for XXXX to state that the disputed hard inquiry could not be disputed because Arhaus/Comenity bank stated I actually completed the credit application. So, I am requesting a response to my credit card application, indicating that the application was approved or denied. Thank you.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (PA)

On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (PA)

On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
Consumer complaint received 2022-07-06
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # 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 an account without my written instructions
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

Your company is reporting the incorrect balance on my credit report, I have been paying this account as agreed every month. You're reporting a false balance and not reporting the correct amount. I have attached reciepts showing I have been paying. Update my credit report. It should be showing paid as agreed with the correct balance. This is a violation
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency XXXX  XXXX XXXX
Consumer complaint received 2024-03-08
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. (IL)

I am formally requesting that you include the following Fraudulent Items to be removed from the Credit report. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$18000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I have hard inquiries not authorize by me : XXXX XXXXXXXX XXXX XXXXXXXX, which they didn't mention in terms that if I access new line of credit they will do a hard inquiries. 

XXXX XXXX XXXX, I don't recognize this hard inquiries
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I was scammed from my bitcoin  account value approx {$14000.00} through Coinbase as all my money got transferred from my digital wallet without Coinbase taking the necessary precautions to safeguard their clientele 's account. There's no reason why they would allow this to occur.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (DE)

XXXX ( XXXX XXXX XXXX ) contacted me via telephone. When I called them back they reported that they have attempted to contact me via mail to an address that I haven't lived at for three years. I don't know if the debt is accurate because they have the wrong information.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hallo sir. 

My problem is XXXX I open a digital account by Coinbase. 
And since XXXX I received a message from Coinbase telling me I have to make a verification. 
Since I done this verification my account is under review. 
Its hundred percent ok, to do some verification to time to time but since XXXX I am triying get it solved I wrote at less 30 e-Mail or contact formula but nothing happened. 
Never get answer from human beings only XXXX bot telling me my case is closed. 
How can do big company like Coinbase be allowed to operate without customers support hotline or care. 
There are 10000 customers who these problems like mine.

I think it is time for someone do something about Coinbase. 

Account under review Your account is currently being reviewed and we need some time to verify your info. 
During this review, you wont be able use Coinbase. Generally reviews take few days. 
So sign every day or two to check your Status. 

This is the massages I got when I signed in my account every day since XX/XX/XXXX. 
I hope you can help or someone will read it and help. 
Best regards XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CO)

I've contacted them many of times they offered supposedly job placement assistance and I was never placed in no job I don't even have a high school diploma and they allowed me to graduate in a certificate program and allowed me to re-enroll into ma program knowing I didn't have a high school diploma or GED I was not aware I needed that in order to graduate so I was not able to graduate ... 
The school does not even exist down here anymore and I would like to just see my loans being forgiven
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (WI)

Hello, I had nearly {$2000.00} stolen from me from something called Current aka XXXX XXXXXXXX XXXX. Problems first arised around XXXX of XXXX where it was small funds stolen and XXXX larger amounts of money was taken. I contacted XXXX XXXX XXXX aka current numerous of times to close the account to which they refused and just sent a new card. I had already opened a new bank and transferred all funds over {$500.00} at a time since I could not transfer more. Unfortunately, I received my stimulus check to my bank account with XXXX XXXX on XX/XX/XXXX. I have all screenshots, all bank statements and the location for where my money was used. But I received a call from XXXX  saying someone in XXXX had used my card at a XXXX spending nearly {$500.00}. Once again I told them I want them to close my account but I was at work in Wisconsin so I could not stay on the line. They said they would issue a new card and stop the transaction and make sure I still had my funds. Not even 5 minutes later I saw someone hack my account taking the money out of savings and sending it to my Checkings. I tried to stop this even contacted the customer service chat and he just said let it happen and theyll dispute it. I was frantic and at work crying because I watch someone make TWO TRANSACTIONS While begging them to take action and stop it. I have screenshots of this as well. The other transaction was at XXXX in XXXX in the amount of {$510.00}. The second was a transfer from my account to someone name XXXX in the amount of {$840.00}. I contacted XXXX attacking her for stealing my money but she had the exact same issue. Someone was in her account stealing her money and she experienced everything that I was. We had a third party hacker in our account and tried to dispute it but current said they will not give our money back. Every penny counts for me because I missed quite a bit of work while I was in a car accident in XXXX and had to attend XXXX and XXXX to get better. I need something done please. I have begged current to do something and they said their decision is final. Its impossible for me to make any transaction in other states because I live in Wisconsin. There were numerous devices logged into my account and no one has ever had my password. There was also a phone number I did not recognize. It took me 4 x contacting someone for someone to log out all unauthorized devices but even then it was too late. I had {$0.00} in my account and current aka XXXX XXXX refused to return my funds.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been stolen XXXX. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX  information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-07-06
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. (MS)

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. 
XXXX XXXX XXXX - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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- States A consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

I contacted carcredit customer service regarding a XXXX interest charge on my account my balance with this company is XXXX. I contacted the company about the charge and was hung up on, I believe her name was XXXX. This is crazy XXXX charge on a balance of XXXX and this card can't be use everywhere. These companies and there rates needs to be looked into!
Consumer complaint received 2022-12-03
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX  Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX