davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

I receive social security benefits thru a pre paid card from social security from a card called direct express..well someone hacked my card for the whole amount of {$760.00} my rent, car note insurance and my food money..they made purchases in other countries.. Noe direct express have given me horrible customer service they told me that i will have to wait 90 days to get this resolved..i cant wait 90 days to investigate.. Direct express is not helping me at all..im in a financial hardship.. I need help please
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NY)

Billing name mistake and the mortgage company refused to change, correct borrower name should be XXXX XXXX XXXX XXXX XXXXXXXX. There is no XXXX  in the name. They decide to change whatever name they want.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (FL)

Type of Investment : CRYPTO CURRENCY Exchange : Binance US Name : Account Email : Customer Support Ticket # with Binance US : XXXX My Telephone # : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I deposited $ XXXXusd from my us XXXX XXXX account via wire transfer to XXXX XXXX XXXX XXXX Bam CLEARING ) reference # XXXX ON XX/XX/2021. On XX/XX/2021 I used those same funds to purchase XXXXusd worth of VET tokens ( Vechain ) price slightly above XXXX usd. 

I have been locked out of my Binance US Account for 7 weeks with no status update on when the account will be unlocked. 

While unlocked the price of VET went as high as .25 cents and is currently at .16cents. 

I'm complaining because Binance US. as little to no customer support. I've filed a support ticket and have received little to no response with zero status update going on 7 weeks and counting. 

I received a response on twitter on XX/XX/XXXX, XXXX saying I would receive an email response soon. only to get an email that evening saying they are overwhelmed and will get to me soon ... .that has been a week ago. 

I have suffered mental and emotional stress. I have sent certified mail to Binance US Corporate Office in XXXX XXXX TWICE with all relevant required data to unlock my account : USPS TRACKING # XXXX USPS TRACKING # XXXX I've invested my life savings on BINANCE US exchange platform and have had zero access to my funds for more than 30 days with no status update or reasonable response. 

While i have seen my invested funds increase drastically from .04 cent to .25cent without having access to my funds or account with almost zero communication or status update from BINANCE US . 

CAN YOU PLEASE HELP ME!
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA has taken nearly a month to process my PPP loan. Other XXXX XXXX I worked with prior to COVID who have S-corps structured identically to mine and applied for loans in the same or similar amounts have heard back and been funded within a single week. This includes one XXXX who applied as late as last week and was funded today. BBVA representatives XXXX XXXX and XXXX XXXX have admitted to me on recorded phone calls ( attached ) that the bank did not have the resources necessary to participate in the PPP loan program. And yet they decided to. Despite stating that they are processing applications in the order they have been received, they are not ; they are prioritizing clients with larger accounts with the bank, from whom they stand to make greater profits. Illegal. Ms. XXXX and Ms. XXXX belong in jail.
Consumer complaint received 2022-04-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {XXXX XXXX XX/XX/2022
Consumer complaint received 2022-04-05
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. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-03-29
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: Consumer Financial Services (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2024-02-23
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. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (NC)

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 SELF-REPORTED XXXX Balance Owed : {$5.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$420.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$570.00} ; 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
Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (FL)

I had a military star credit card with AAFES while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with AAFES comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the AAFES. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the XXXX XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 I was supposed to be reissued a cashier 's check of my remaining balance in my account with bank of America. They had mailed me a cashier 's check after 3 years of fighting with them over it. I contacted the OTC, and in doing so was approved for my money. Bank of America sent my cashier 's check to the wrong address. So I then had to wait the 90 days and yet I still have not received my money.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (CA)

The XXXX case that was initially opened in XX/XX/XXXX was prematurely closed, as I believed that Googlepay had completed their task of refunding to me the balance ( {$180.00} ) of my permanently suspended account, however, these funds never reached my bank account as requested, and the {$180.00} had since been sent back to my suspended Googlepay account. 

In the time since opened my first case with the XXXX, I have been assigned a minimum of 6 GooglePay support staff members, each of whom did little to nothing at all in regards to the steps it will apparently take for me to receive the refund that is due to me from GooglePay.

I mentioned this in the initial case I opened almost 2 months ago now, that my boyfriend was dealing with the exact same situation with GooglePay ( ie paid {$180.00} by same person on XX/XX/XXXX, had account suspended on XX/XX/XXXX, was not able to retrieve these funds or talk to a rep from GooglePay about resolving this problem ) .The big difference with his case as compared to mine, is that it some time in XX/XX/XXXX, Googlepay allowed him one time access to his suspended account, at which time he transferred the {$180.00} onto a bank card of his, and his issue was resolved. I have asked repeatedly for the same opportunity from GooglePay but have not been allowed any access to my account. Instead, there have been 2 failed attempts to utilize ACH transfers into two different bank accounts in my name ( no reason has been given for the failure to transfer ) for which I gave accurate routing and account numbers as requested by GooglePay but now 2 months later, the {$180.00} still sits in my suspended account. 
If I would be allowed access just once to my GooglePay account, this situation that has been ongoing since XX/XX/XXXX would be resolved in minutes, rather than the months it had already taken Googlepay to assign, then reassign my case to several staff members, wasting valuable time, money, and resources on GooglePays end, and on my end has been hundreds of hours writing emails, opening cases with CFPB and others, and putting me out at w time where I am currently unemployed and desperately need access to the {$180.00} in question. Please give me one attempt to transfer the funds out of the account and then close my account permanently. Its that simple but has been made so complicated.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint against the XXXX XXXX XXXX  for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/Aidvantage has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights.

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/Aidvantage 's actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations.

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. XXXX XXXX request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws. 

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. 

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the XXXX XXXX XXXXXXXX XXXX Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XX/XX/2023 I received notification from AmEx National Bank that an unknown individual fraudulently tried to withdraw {$13000.00} from my Rewards Checking account. The fraudulent transaction was initiated via ACH and seems to have originated from XXXX XXXX. The transaction failed as I did not have sufficient funds in my account at the time. 

I immediately called AmEx National Bank to inform them this was a fraudulent transaction. The representative told me there was nothing I could do about it until the following morning since the team that handles fraud only worked on weekends at noon. This in itself is extremely concerning and shows AmEx supports fraud, their security measures are an joke and their staff exceptionally incompetent. 

The next morning I called and their so-called fraud team told me that the e-mail was sent in error and my account was secure. I believe the staff member is a liar only trying to wither cover up his incompetence or somehow complicit in the fraud. For the past several days I have had severe security issues with my American Express credit cards and on my American Express credit card there were XXXX attempts to fraudulently charge exactly {$13000.00}. I would be an extreme coincidence that an attempt for exactly the same amount on my checking account was just a bank error. 

Nonetheless, the fraud team refused my request to change my account number and issue a new debit card. They then connected me with their normal customer service staff. 

I again explained the issue with the customer service staff and hey agreed something needed to be done. They got the fraud team on the line again. The fraud team representative told me that if he closed my account it would be very likely the system would not allow opening a new account. He also told me that if the normal customer service staff closed my account, I would have to wait a few days before I could open a new one and even then there is a distinct possibility I would not be allowed to open a new account. This is exceptionally unacceptable. I believe the fraud team member is extremely incompetent and possibly even complicit in the attempted fraud. Further, it seems American Express themselves for offering to the public such an incompetent and fraud-prone account product.