davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CO)

On XX/XX/2021, I noticed suspicious account activity on my BinanceUS account. Therefore, I manually executed the option to lock my BinanceUS account using the lock option on BinanceUS on XX/XX/2021. Later, I created a request ticket and sent BinanceUS the reason why I chose to manually lock my account. 

NOTE : My current BinanceUS account contains over XXXX of crypto to include BNB, ADA, VET, USDT, and USD. All funds remain available in the wallet prior to me manually locking my account. I read many posts about how BinanceUS claims to be backlogged with tickets. 

My first initial request ticket XXXX was made On XX/XX/2021, I made a request to have my XXXX XXXX to be removed from my account. BinanceUS required a selfie of me holding my driver license. I submitted the required document. XX/XX/2021 I got a response stating the following : " Thank you for contacting Binance.US customer support. 

First and foremost, I sincerely apologize for the delayed response! I can assure you that you have not been overlooked! We have had an influx in customer responses over the past few weeks, and although we are trying our best to keep up, it is taking us a bit longer than usual to respond. 

We have now escalated your inquiry to the appropriate team for further assistance, we appreciate your patience while your ticket is reviewed. 

Thank you, Customer Support Binance.US " BinanceUS never reset my XXXX XXXX 

XX/XX/2021, BinanceUS responded requiring me to submit a selfie containing a statement on paper, my ID, a written address, and utility bill containing my address. I submitted all documents on XX/XX/2021. 

XX/XX/2021, I notified BinanceUS to determine the delay for verifying all required documents and unlocking my account. I got no response. 

XX/XX/2021, I notified BinanceUS to determine the delay and got no response. 


Now, it has been 3 days and I have not received any confirmation/acknowledgements from BinanceUS that my submitted documents have gained approval towards unlocking my account to gain access back to all of my assets. 

I have over XXXX of assets sitting within my account that I have no access until BinanceUS responds and unlocks my account. Please assist!
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I transfer some cash for the sum of XXXX to coinbase on XX/XX/XXXX On XX/XX/XXXXi received an email from coinbase saying they could not process the money because of the currency and they would return the funds back to my bank account within 2 days.
Today is XX/XX/XXXX and i havent received anything. I have written countless amount of emails to support, did not get any reply until XX/XX/XXXX, saying my money would be returned in several days, Still nothing! Please help me retrieve my money.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provided any proof. I've only received negative disputes results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter resulting in 60+ days at a time. I've been disputing for years and it has became a complete burden.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 items 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, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have previously disputed this item with you > XXXX XXXX XXXX XXXX Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I received an email from the lender on XX/XX/XXXX regarding assistance programs offered. I reached out to lender on XX/XX/XXXX and a rep mentioned extensions and payments arrangements. I proceeded to set up a payment arrangement, but rep advised me to call the assistance team. I called and spoke with a rep who asked me a series of uncomfortable probing questions such as : 1. When did your financial hardship start?

2. How long do I inticipate being in a hardship?

3. What is my back up plan for meeting payment obligation?

4. When will I resume work?

5. What can I pay?

Etc. 

I asked if these questions were apart of the payment arrangement process, and I was told, that my account needed to be reviewed further. Also, the answered questions would help to determine if assistance could be provided. I informed the rep that I was affected by COVID-19 pandemic, and was also an XXXX. I explained I have experienced hardships since the beginning of the pandemic. Since I have requested assistance in the past, that process was fair and non-invasive unlike this current experience. He concluded that I was denied for an assistance program, and he transferred me to his supervisor. 

When I spoke with the manager, I asked if the company had a maximum allowed number/amount for utilizing payment arrangement or extensions within the assistance program. She said no, but then told me that the reason I was denied to make a payment arrangement, was because I had set up too many arrangements in the past. She also refused to explain the company policy for customers who suffered hardships from COVID-19 pandemic. She claimed she did not know the corporate email address, so she put in a call back for an executive to reach out. I asked if there was something in writing detailing requirements for the assistance program, she claimed it did not exist. The experience seems discriminatory, because I was notified about assistance programs, and the reps completely refused to allow me to access account services like other customers.
Consumer complaint received 2017-09-08
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. (AL)

Today, Friday XXXX XXXX 2017, Equifax announced that they were the subject of a network intrusion, and details on millions of people was compromised by an unknown third party. I have come to find out that I was among those with details compromised, but have not been told the exact personal details that have been released.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

XXXX Cash App, I notice icons on my phone was moving without my assistance, I could see someone open the XXXX  store and download an app, then I saw cash App open and a request for XXXX that was sent to XXXX XXXX from XXXX XXXX . I tried to cut the phone off and couldn't. I think took my phone to the " XXXX '' store to have a diagnostic ran and was advised it appeared there could have been a virus, a hard reset was done and then I was advised to file a police report ( XXXX ) it was like someone was mirroring my phone. I immediately called Cash App and advise fraudulent activity appeared to be going on and was told they was unable to stop the transaction, I also called my bank which is XXXX the funds were still in my bank which is XXXX. I called Cash App about 15 times in a row to start a dispute, every time I called, I was told no dispute was started, they begin to cold transfer me, leave me on hold for extensive periods of time and often advised they would transfer me to their dispute department and hung-up, every time I asked for a manger I was told no. I was advised a 15-day investigation would take place and 30 minutes later received an email saying case denied, the lack of respect blew me away. I was treated as if I was the criminal, to think you have already been violated, money taken and no one to help you, that was actually all the money I had but Cash App could care less, I have had a Cash App account for years, however I seldom use it. The more I contacted them the more this became less about the money and more about the lack of respect as if there is no recourse. Someone provides you their financial information in good faith and you say too bad so sorry. This is my hard-earned money were talking about. I can tell Cash App has little repercussions for the lack of service they were completely comfortable with telling me anything and some point it appeared to be a game
Consumer complaint received 2022-09-08
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Ok on XX/XX/XXXX an XXXX 2021 My checking account the bank 5 th 3 rd Put a fraud alert on my amount cause their was fraud going on! 
On XXXX XXXX I think it was The bank told me that I had to put my friend on my acct cause 5 th 3 rd Had his check and wont let it go throw my account! 
But I have before and his unemployment checks had even be deposited into my account and his name wont on the account! 
But I ask for his XXXX to be removed and the Fraud department told me ok! 
Well on XX/XX/2021 This person when it to my account and at a branch In XXXX ky and the clerk aloud this person to change my address on my account and he was a 2 nd Dairy on my account I was married for 30 years I know it is against the law for the bank to lead a secondary person change the primary persons address this is very illegal now my information is going somewhere else XXXX knows where or who has it what can I do to hold this bank responsible for their mistakes
Consumer complaint received 2020-11-28
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. (IL)

XXXX XXXX XXXX is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my Experian credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA is reporting an open account with all three credit bureaus that is closed. This is hurting my credit score and I am unable to obtain a mortgage loan. This account was opened after I filed a complaint with Consumer Financial Protection Board.
I feel this was retaliation. Retaliation is the action of harming someone because they have harmed oneself ; revenge.
Consumer complaint received 2017-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed numerous dispute with both XXXX and TransUnion, some apparently go removed, ca n't tell, but what I responding to is no change score for anything. I was just released from XXXX hospital for a debt, and soon should be coming off as well, as the are under the XXXX issues After the divorce the mortgage came off My credit, XXXX, nothing And I was waiting for XXXX. Now all my bankruptcies should be gone, I should be at XXXX, not XXXX, please look into in, please. Contact me at XXXX XXXX XXXX ( XXXX ) -XXXX, thank you so much!
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (AL)

I was scammed by an XXXX company for a website with the total amount of {$920.00}, after a couple of months waiting for my website I never received what my signed contract said. 

Because of that, I started a chargeback with my credit card company Apple Card - Goldman Sachs, and after submitting all my documents with fully evidence of the scam, they decided not to adjust the payment because they just investigated the merchant payment portal that is XXXX and not the merchant behind the transaction ( the XXXX company ). 

This is absurd, and its fully of excuses, this was not a proper investigation and I demand this bank to be held accountable for not properly investigate and always be in favor of merchants even if it was a scam. 

I will be including some emails from the XXXX company blackmailing me for the refund of this money.
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Paypal stated that since my credit card company disputed a charge on my behalf with them without my knowledge and it was denied for a fraudulent purchase that their Buyer 's Protection Program is void. It is not acceptable for Paypal to let scammers on their platform. My user id is XXXX with Paypal and there was a XXXX USD charge for a puppy I never received. I am just one person trying to fight this. Paypal says to try to contact the merchant. I have and the merchant does not reply. See attachments.
Consumer complaint received 2018-03-21
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. (TX)

Multiple incorrect addresses on my report. 

Four addresses related to Post Office Boxes that have never belonged to me. 

Incorrect employment record : I did not work for either XXXX and XXXX or XXXX and XXXX in 2004 Finally, this is the only credit bureau that has seen fit to invade my privacy and report 7 phone numbers!! Most of these are not even mine and I want ALL OF THEM REMOVED!
Consumer complaint received 2017-09-08
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. (IL)

My entire identity has been compromised due to equifax 's lax security. this has led to an inexcusable breach of my privacy and information. my entire life is now up for grabs which has the potential to ruin me.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am fully disputing theValidity of this debt My loan has been Securitized and placed in Loan trust. XXXX XXXX XXXX XXXX XXXX XXXX is serving as trustee for a XXXX XXXX.asset-backed certificate XXXX XXXX in section XXXX of this trust it clearly defined that all mortgages have to be transferred prior to the cut off date of this trust they are using a fraudulent assignment to foreclose on my property. I received a three month trial to get modification for XX/XX/XXXX XX/XX/XXXXand XX/XX/2020 I am concerned about the the back payment being applied to the end of my loan. I have asked for the gap accounting in a qualified written request which has not been responded to. This Loan trust has taken it losses and I am asking for a principal reduction with a complete restructured mortgage and all foreclosures to be canceled until all of my concerns ands dispute Ive been addressed.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I started paying these loans back in XXXX. I wondered why I still owe almost {$2000.00}, when I only borrowed {$11000.00}. I pay $ 79 monthly. This loan was transferred to Naviet in XX/XX/XXXX. from XXXX XXXX with a {$10000.00}. balance, which I just found out by reading their web site. Interest rate is XXXX. I looked back some months it was high as {$25.00}. in interest and some months as low as {$6.00}. I really don't understand what they are doing, but extending my payments and stealing my money. I graduated college 21 years ago!
Consumer complaint received 2020-10-07
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. (FL)

Good Day, I am reaching out for your help due to my bad experience I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. i NEED ALSO A HARD COPY OF REPORT MAILED TO ME WITH ALL THE SHOWING THE UPDATED STATUS OF PAID AS AGREED. NO PROOF WAS SENT OVER 45 DAYS.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control Company, Inc. (TX)

I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication. 

The company is Credit Control.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear Transunion, XX/XX/2024 In Accordance with the fair credit reporting everything has to be XXXX percent accurate on my consumer credit report. 
The Credit bureau stated my account was properly investigated but how is that possible if the open date and close date and last date active is inaccurate. This is ground for deletion.

Inaddition you violated my right according to congress.

15 U.S.C 1681 section 602. A state I have the right to privacy.

15 U.S.C1681 section 604A section 2. It also states a consumer reporting agency can not furnish information without my written consent. Please show me where I gave consent. 
Also the credit breau took longer than 30 days to complete my investigation. 
The information that is showing on my credit report in correctly is XXXX XXXX financial account number XXXX. 

Please reinvestigate this is incorrect. if not moved I will have to pursue legal actions because you are damaging my credit report. 


Thank you, XXXX XXXX,
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 information incorrect
Company: Credit Karma (NY)

There is no option for me to select so I had to choose the closest to my issue. But I have an issue with Credit Karma. Foremost, For years, the platform has reported higher credit scores to myself. So accordingly I have applied for loans, financing on a vehicle, as well as applied for credit cards that say I have excellent approval, yet I am turned down. Which brings me to my second complaint : The platform informs me that I have excellent approval odds for a credit card, but when I apply I am denied. Therefore taking another huge hit to my credit score because the card company is running my credit to see if I can be given the credit card. This has been happening to me for the last 5 yrs at least and I cant get ahead because I continue to tarnish my credit with hard inquiries. Something needs to be done about this and I would like some major assistance in some way on these issues. This is a two pronged issue : higher credit scores being reported false approval odds for credit cards that later deny my application causing me to take hits to my credit. 
Thank you for your time.