davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (CO)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX act # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX the following accounts were taking off my credit report XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.
Consumer complaint received 2021-09-23
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. (TX)

I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.
Consumer complaint received 2021-05-06
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. (NJ)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-10-11
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. (MO)

I previously ordered an updated copy of my Credit report and noticed that the Credit Bureaus still indicate the information reported by the erroneous accounts. I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}, must be corrected to reflect accurate information on my Credit File.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I got SIM hacked on Monday XX/XX/XXXX, ie Hackers took over my phone temporarily via sim transfer and my gmail permanently. After I got my phone number back from XXXX I instantly tried locking my account on Coinbase when I couldn't get in, I finally found a phone number where you can do that, even though it's just a bot. I also wrote an email to coinbase support and they only responded with a generic email about security and mentioned reinstalling the account via email ( which just had been hacked and is still compromised!?! ). 
I have not received any updates if the hackers were successful in transferring any crypto out ( I ; m afraid so ) or if they are locked out or what the actual damage is, etc. And I read in many forums like XXXX that CB often takes their sweet time to respond, up to weeks and months! How is that possible for such a big company with a huge IPO to ignore their customer safety this badly? This contributes to the bad image crypto has as enabling criminals. 

XXXX also is rather sketchy in allowing the sim swap and said they won't reveal the findings of their internal research to me, ie where was the sim swapped, in store, online, etc. There have been many reports of insider jobs at carriers like XXXX  and XXXX, and a long history of sim swap hacks that they should guard themselves and their customers better. It's way too easy.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

XX/XX/2021 Opened Account at Binance.US. After completing " Basic Verification '' steps I was allowed to deposit Cryptocurrencies ( digital assets ) and start trading. Over the next few months I transferred approx XXXX dollars worth of digital assets from my XXXX and XXXX accounts into Binance.US and traded for other assets. 

XX/XX/2021 I noticed one of my limit orders didn't execute when it should have. I found that I couldn't execute any trades or withdrawals, my account was locked out. I found that now Binance.US wanted me to complete " Advanced Verification '' steps. 1st step was to take pictures of my drivers license and use facial recognition software to identify myself. I completed step 1 and it was approved. 2nd step was to upload a proof of address document ( bank statement, utility bill, etc ). I downloaded the most recent statements from my service providers and sent them to Binance.US in the requested PDF format ( this was the format I downloaded them as and they were not altered ). I sent a total of 4 documents that complied with the requirements, each was rejected for reasons : " incomplete address '' or " OCR error ''. I filed a support ticket and received an automated response asking to explain problem. 

My response : " I have sent 4 pdf documents that comply with requested standards, all documents have the same address, which is my current address. The address matching system clearly is not functioning properly, as I have found many other people complaining about this problem on internet forums and social media sites. Please help to solve this problem quickly, because I use a short term trading strategy and am loosing money by not being able to change my positions. '' XX/XX/2021 I have received no response to this message and have found no other way to contact them. 

My main source of information on others having similar problems was : XXXX XXXX XXXX/r/BinanceUSclassaction/ Some people have been waiting for over 3 months with nothing but automated responses. Others have been able to complete the step I am working on, only to be asked to do additional ridiculous stunts like take a video of themselves holding a hand written sign stating " Please reactivate my account '' and saying it as well. Binance.US appears to be making a mockery of their customers while they hold their assets hostage. 

XX/XX/2021 My current account balance is approx XXXX dollars worth of cash and digital assets, I'm worried that I might loose a large amount of this if I can't change my positions, or possibly never have access to it again. I'm also worried, if this is how they treat their customers, what might they do with all the personal information I have sent them. 

I have recently learned that a new CEO was appointed, hopefully he will fix these problems, because I really enjoyed using this platform, before I was locked out.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in XXXX a charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.
Consumer complaint received 2021-05-06
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. (LA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (SC)

On XX/XX/XXXX, Loan Depot funded a new, cash out refinance loan On XX/XX/XXXXXXXX XXXX I made a payment on my new mortgage. This is reflected in the PDF titled " XXXXXXXX XXXX '' Some time after that payment, my loan number changed. I do not know when that happened. 

Now, the loan is not showing any payment made and says a payment due in a few days. Please see the PDF titled " Monthly Statement ''. 

I contacted Loan Depot. In a chat window, the support person claimed my previous loan number belonged to someone else. The Agent said he/she did not have access to a phone or email, so I could not send them the PDF file showing my payment.

The Agent ended the 45 minute chat by saying a supervisor would call me later. Given the very poor customer service and missing documentation during the loan process, I do not believe this will happen. For example, they never gave me an updated loan disclosure document I need my account to be credited as having made the payment on XX/XX/XXXX
Consumer complaint received 2022-04-27
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. (TN)

VIEWING MY CONSUMER REPORT AND NOTICE INFORMATION LISTED THAT I NEVER GAVE WRITTEN AUTHORIZATION TO REPORT WITH IS A VIOLATION OF 604 ( a ) ( 2 ) THESE ACCOUNTS LISTED HAS SET MY LIFE BACK AS I HAVE NOT BEEN APPROVED FOR ANY BANK PRODUCT OR SERVICE.
Consumer complaint received 2022-04-27
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. (TN)

VIEWING MY CONSUMER REPORT AND NOTICE INFORMATION LISTED THAT I NEVER GAVE WRITTEN AUTHORIZATION TO REPORT WITH IS A VIOLATION OF 604 ( a ) ( 2 ) THESE ACCOUNTS LISTED HAS SET MY LIFE BACK AS I HAVE NOT BEEN APPROVED FOR ANY BANK PRODUCT OR SERVICE.
Consumer complaint received 2021-12-03
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. (NY)

This is XXXX, XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (NY)

I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.
Consumer complaint received 2021-03-30
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: Experian Information Solutions Inc. (TX)

XXXX XXXX  XXXX/XXXX  # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (NJ)

We sold a home and were advised by the buyers attorney that the wire transfer was sent to our Discover Bank Account on XX/XX/XXXX at XXXX XXXX EST ( XXXX XXXX Mountain time were the wire department of DIscover/ customer service is located ). On Thursday, XX/XX/XXXX at XXXX XXXX EST we called Discover to verify receipt. We were told that the wire transfer department was closed ( it would have been XXXX XXXX MT. We called the next day, XX/XX/XXXX at XXXX XXXX  as advised, they see the transfer and the deposit should appear in our account by XXXX EST. When we did not see the deposit, we immediately called and were assured it would show at XXXX XXXX. Each time, we were advised that the wire transfer was in process and we should see the money in our account soon. Our final phone call to Discover started at XXXX XXXX EST and continued until after XXXX XXXX as we spoke to one representative and her supervisor. During this conversation we were told that all the information provided to us all day was " inaccurate, and the Discover representatives misspoke, and should not have said the money was processed. If we were told this at XXXX XXXX, XXXX XXXX or XXXX XXXX, we would have immediately notified the attorney. It is now XXXX XXXX on Friday night, we were told the wire transfer was returned due to inaccurate information. When we reviewed all the information that we provided regarding the wire transfer / Discover information, it was correct, so we don't understand where the error was, nor could Discover provide this information to us. Because the money was returned, we notified our closing agent, who advised us to tell the new owners to vacate the premises as the funds did not go through. The new owner is an XXXX year old woman and her daughter. it is concerning that Discover will immediately notify us if we travel, alerting to " unusual activity '' for a {$20.00} purchase at a gas pump, but no one thought to call us about returning a check/ wire transfer for {$230000.00} because of a typo?
Consumer complaint received 2019-08-18
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. (TX)

I contacted Equifax on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Equifax, to determine the accuracy and completeness of public information.  Ali verbalized to me that the information was verified by the Bamkruptcy Court, but my written request was ignored more than 3 times.  I sent a certified letter again asking for method of verification in writing, the letter was received by Equifax on XXXX.  I received an email response dated XX/XX/2019 stating "The disputed item is not currently reporting on the Equifax credit file: Public Record: Bankrupty XXXX."  I contacted Equifax via phone to clarifiy what does that mean, I don't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers, so it is not an reliable source) it is a violation of my rights as a consumer and the information should be deleted from my credit report.
Consumer complaint received 2017-12-23
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: AFNI INC. (MO)

I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.
Consumer complaint received 2021-12-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-11-23
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (AZ)

XXXX University Defrauded not only by misled information but by incorrectly financing substantial amounts of indirect costs that applied to my Federal student loans as unused services provided were not relevant. Several attempts to correcting information after months of finally receiving papers of proof to negligence on institutions behalf looking into lawsuits were relevant to case. Some Institutions were forced to close. Also XXXX had all advisors were no longer handling any cases at the time and quit working for them as this lawsuit came forward all students for the class of XXXX including myself were fraudulently taken advantage of. 
FTC had filed a lawsuit against XXXX for fraudulently gaining access into funds for no reproable cause. A settlement amongst students began XXXX year. The advertisements of gaining employment by career advisors and counselors promising that their institution has more leads in landing prospective students right after graduation between XXXX and XXXX were proven to be false. 
In reference to my credit report Navient is not part of the US Dept. Of Education as they are a third party debt collector. They shouldn't have had any rights placing on my credit report 20 times allocating I owe a significant amounts of funds due to the letters I have received in regards to my loans being forgiven which takes years to do. All these past due amounts are inaccurate and false. US Dept. of ED has all information leading to claim status of loan forgiveness program I enrolled so I am asking all of Navient 's reports claiming late or unpaid to be removed off my reports due to inaccurate and false information reported as this is affecting my life and ability to gain employment and other resources. Thank you Sincerely