davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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. (MA)

Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc. 

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (OR)

XX/XX/2021 XXXX I purchased {$320.00} of IOTA MIOTA crypto currency on Binance.US exchange. 
XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$200.00} of IOTA MIOTA crypto currency on Binance.US XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$20.00} of IOTA MIOTA crypto currency on Binance.US exchange On XX/XX/2021, I noticed I was not able to withdraw my cryptocurrency as they claimed my cryptowallet address format was incorrect. I then filed a complaint that I was not able to withdraw my funds due to this error. 
XX/XX/2021 XXXX I purchased {$20.00} of IOTA MIOTA crypto currency on Binance.US exchange approximately XX/XX/2021 I noticed they suspended my account so I was unable to withdraw or deposit my MIOTA cryptocurrency funds. 

I filed multiple requests. I only received two emails on XX/XX/2021 asking if I still needed help. However, when I responded within a few hours, they did not respond. There was no specific reasons why my account was suspended and no directions on how to unlock my account. It has been a few weeks and they have not addressed the issue. 

XX/XX/2021 XXXX I attempted to purchase {$100.00} IOTA MIOTA to see if this would unlock my account. My account was still suspended. however, they allowed the purchase. 

XX/XX/2021 XXXX I purchased another {$100.00} IOTA MIOTA to see if my account would eventually unlock it still remained suspended with no details as to why it has been suspended On XX/XX/2021 I attempted to sell 10 MIOTA of my cryptocurrency for US dollars ( {$10.00} ) in order to withdraw my funds. Now it is stuck in processing. 

I looked at reviews on trust pilot and even tried to post a complaint on their official XXXX account. They removed my post. However, I notice many other posts stating they had the exact same issue of their funds being inaccessible and they had waited for weeks or months, yet they still have not received a response. I even checked their official account on the social media platform " youtube ''. There were more comments stating the exact same issue. Their accounts were suspended for no reason and they can not access their funds. Binance.US has not attempted to resolve the issue and they have not made any attempt to reach out to customers.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

For the past 2 years some companies and myself have been unable to access my credit report from Equifax. I have been contacting the company since then XX/XX/XXXX. I sent all requested documents that was needed by the company in order to resolve the issue. 
When I spoke to representative on XX/XX/XXXX I received confirmation that all documents were received and fulfilled what was needed of me to receive the issue. ( Report XXXX ). 

At this point the issue is causing serious harm to me and my family as I can't obtain gas and other necessary services for my primary residence
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

I owed a debt to XXXX XXXX XXXX, which was forwarded to Diversified Consultants. I paid the debt off to DC in XXXX, 2017, and as assured the derogatory remarks about the collection would be sent to the 3 credit companies. I have written to two companies, but only one has showed as removed. I am very frustrated because I am paying my debts and am trying hard to repair my credit, but the two companies ( XXXX, XXXX ) seem reluctant to remove the information or notate it as paid in full. Please help.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Empower Finance, Inc. (OR)

I was approved for.first and second draw XXXX loans from the XXXX the second draw came from XXXX XXXX XXXX XXXX and they deposited the funds into my fuy verified account prior to i asked if it would be ok and assured by the rep it would be fine and then the day it got deposited they froze my account and have not given any specific reason as to whg they wont call me they asked for a bunch of verification documents i have submitted along with id verification i passed and still i get nothing and i dont have a way to contact the lender as the number is always busy and like most americans my life is turned upside down i nees help
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX that a " Loan '' that I had applied for recently was " Denied '' because of derogatory credit information on my " Equifax '' credit report. I immediately called " Equifax, '' calmly explained to " Equifax '' my situation and asked them to mail me a " Free Copy '' of my " Equifax '' credit report that I am lawfully entitled to per the Federal law called the " Fair Credit Reporting Act. '' " Equifax '' staff said " No '' and rudely hung up on me.
Consumer complaint received 2017-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (KS)

For at least XXXX weeks, I have been unable to access my account. I have attempted to log in to my online account on several devices using different browsers, tried resetting password, and spent several hours on the phone trying to contact a service representative. I am concerned that I will not be able to make my next loan payment on time, because I am unable to access my account information. 

The problem has persisted for several weeks, but I only started tracking my contact attempts this week. Here is the list of the last few days. 

Login Attempt XXXX/XXXX/XXXX XXXX Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; information not found Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX On hold for XXXX ; never XXXX through. 
XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX Received busy signal. 
Login Attempt XXXX/XXXX/XXXX XXXX - Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; XXXX & XXXX not found The message I receive online is, " We are sorry, the service you have requested is temporarily unavailable. Please try again later. '' This is not a wrong password ; I get a different message if the password is wrong.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC. (AL)

I received numerous calls from this number from an automated system. There was no way to opt out of the calls or to tell them I was not the person they were searching for. Then received a call from a " XXXX XXXX '' who left a threatening message on my voice mail. I am clearly not the person they are searching for. Threatened to come to my home and my work. Called from a blocked number but left XXXX as a contact number.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames.

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.
Consumer complaint received 2017-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (OR)

The company was called Premier Student Loan Center. Website : XXXX XXXX XXXX  Account ManageXXXX XXXX XXXX XXXX XXXX XXXX was told that if I paid {$230.00} for 5 months towards my student loans then my payments would be lowered to {$10.00} a month for 7 years and that my half of my loan would be forgiven. However, I received an email that said my actual loan payment would be {$0.00}. I decided to look into it and it was at that point the account manager told me that it was a service fee for the company. Then my wife looked up the company and saw on some student loan forms that this company scammed people into giving them money for a service that I could have done myself. We called up the account manager to cancel the service and she told us that the {$230.00} I had paid in XXXX XXXX and XXXX XXXX could not be reimbursed. It was then I was told it was a service fee and not paying towards my loan. When my wife asked her if this was a scam she ( account manager ) said " Yeah ''. We have cancelled this service on the phone and through an email and asked for an invoice for the two {$230.00} " service fee '' but have yet to receive anything. We are cancelling the credit card that was given to this company. DO NOT USE Premier Student Loan Center. They are misleading and scamming money out of people!!!!!
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and recently after the equifax hacking someone opened a credit card with my information and charged several hundred dollars. Equifax sent my credit report but say I have to pay them to get my credit score. After all they have put me and millions of other consumers through we should not have to pay them anything.
Consumer complaint received 2017-10-20
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: Convergent Resources, Inc. (TX)

Convergent Outsourcing opened a collections account on my credit reports on XX/XX/XXXX. They lied and said they sent something to my address when in fact I did not recieve any documentation from them. Under FCRA I am entitled to verification and validation documents bearing my signature before its placed on my credit. Convergent does not have my signature on this fraud trade. Convergent is the company name listed on all CRAs ; therefore, they need to remove this illegal trade and fraud trade from all CRAs. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Instead of updating the CRAs to remove this fraud trade, they instead added it on two other CRAs making my score crash! I will seek damages if this trade is not removed ASAP.
Consumer complaint received 2024-02-19
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TN)

The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of via Medical Insurance, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ERC (TX)

I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. 

thx! 
XXXX XXXX
Consumer complaint received 2021-04-21
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: Experian Information Solutions Inc. (FL)

I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

THE COMPANY THAT XXXX XXXX XXXX XXXX IS USING AS A DEBT COLLECTOR. IS CALLING ME ... MAKING THREATS ABOUT A FEDERAL LAWSUIT. THEY ARE ALSO STATING THAT I HAVE THREE COUNTS OF FEDERAL CHARGES. THE NUMBER THAT HAS CALLED MY CELL PHONE COME ACROSS MY CALLER ID SAYS UNKNOWN CALLER. BUT THE NUMBER THAT THE INDIVIDUAL LEAVES IS XXXX. THAT I COULD LOSE MY JOB ETC. THE DID NOT GIVE ME THE AMOUNT OF THE DEBT BUT THE DATES STARTED IN XXXX XXXX, 2013.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing this complaint because of Bank of Americas ( BOA ) Denial and failure to further investigate multiple claim ( unauthorized transactions ) attempts through XXXX XXXX XXXX and Department and BOA. I have been proactive in assisting with information regarding the victimization that led to my money being stolen, including but not limited to filing a police report, providing BOA pertinent information when requested, and have always been available to answer questions that might assist in resolving this matter. I have been denied several claims I filed with BOA, and requested the documentation that they used to deny me my rights as a banking consumer. I received a document stating my claim is denied solely of the understanding or assumption I should say that the card was used during the disputed transactions that occurred. How that is possible i don't have the slightest idea. To my knowledge my card was never lost, nor was it misplaced. How that is possible im at a loss. My obligation and responsibility is to assist and provide as much information as i could, and i did. Their obligation is to investigate, and they failed to further do so. Under those provisions they are ultimately holding me liable for unauthorized transactions. They are in violation of the consumer protection act and rules and regulations the stipulate the correct procedures that should have taken place which they failed to do so
Consumer complaint received 2017-10-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

On XXXX XXXX, XXXX, I received a credit alert. Upon checking, Midwest Recovery Systems added a collection to all XXXX credit bureaus with an open date of XXXX XXXX, XXXX. The collection is listed as XXXX XXXX XXXX in the amount of XXXX. 

I havent received any dunning notice or any debt validation regarding this debt. This company has not attempted to contact me. Instead, they place the collection on my credit report thus affecting my XXXX XXXX.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

I purchased a motorcycle back XX/XX/2015, which was financed through Synchrony Bank. When closing the sale the representative helping us at the dealership told us the payments would be automated and asked for our credit card information. The first payment was supposed to go through in XX/XX/XXXX, but it never did so I called Synchrony Bank in XX/XX/XXXX to see what was going on and what I needed to do to have them charge the payment to my card. They informed me that they did not process automatic payments via credit cards and that I 'd have to complete and return an authorization form allowing them to withdraw the monthly payments. I completed and returned the form along with a money order for the past due payment. In XX/XX/XXXX I noticed that, again, the automatic payment had not been processed even though I had mailed them the authorization form so I called Synchrony Bank yet again. I was told I needed to mail them the form again and another money order, so I did. After that, I did not hear from them again so I assumed everything had gone through. Yesterday a repo man showed up at my mailing address to repossess the motorcycle - I was not there, nor was the motorcycle so they left a message with my brother for me to call them. Today I called Synchrony Bank to ask what was going on and they told me that my account had been sent to the collection department so they could not help me. When I reached out to the collection department they forwarded my call to the repo department who hung up on me when I requested someone who spoke XXXX since my spoken English is not great.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.