davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX I received an email from BINANCE.US that I had an outstanding balance of {$3000.00} USD and if I didnt make the payment to correct this then my account would be liquidated of my cryptocurrency. 

I contacted them via several emails to inform them that I had documentation that the payments went through including transaction pictures from my bank account and confirmation from their sites indicating that the payments were received. 

I highlighted that payments were made from my bank credit card and wire on the following dates : 1 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 2 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 3 ) XX/XX/XXXX - {$1000.00} ACH Wire deposited I also attached the bank proof from my account. 

Therefore, $ XXXX $ XXXX $ XXXX {$2900.00} was made into my BINANCE.US account. 

Amount owing from me was {$5.00} USD. And I explained that there was {$5.00} in my account balance that they could take which is what they normally do. They dont wait to withdraw because you deposit into your account first and then you make cryptocurrency purchases. 

They never got back to me at all. Its been over a month now. 

Today, at XXXX PST, they sold my VET cryptocurrency without my consent XXXX XXXX  or XXXX shares. They started the liquidation without my consent. I cant take my money out nor can I transfer this. 

I invested in this company because it was US based and I thought they would uphold US values, sadly newer XXXX companies have shown far more customer honesty and respect than these loose characters. 

I need your help because I dont know what illegal activity they are engaged in with my money and personal information. 

Please help me as I had previously gone to the XXXX XXXX XXXX and the FTC but I havent had any progress with this insane company.
Consumer complaint received 2022-07-13
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: SYNCHRONY FINANCIAL (FL)

There seems to be an error on my consumer report furnished by Synchrony bank/ Brandsmart XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that Synchrony Bank/ Brandsmart is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and Congress has stated there shouldn't be any late payments? Is synchrony bank attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has synchrony bank has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me
Consumer complaint received 2022-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS CAPITOL ONE, XXXX XXXX WICH XXXX WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO XXXX XXXX INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-05-10
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. (FL)

My car was totaled XX/XX/XXXX, the finance company who was XXXX was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that XXXX put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with XXXX, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in 2024 but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. XXXX is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-05
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. (AZ)

I HAVE A XXXX CREDIT CARD, ITS A XXXX XXXX CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$4500.00}
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo i haven't been able to login to my unkind account and tried to fix many homes there had been fraud since XXXX also XXXX XXXX my account has been hacked by someone v and had to get a new number abs my old number someone antsy has it on XXXX account which has only been s month so somebody b ported it over because i was trying to get it back and they told me it was c in someone else 's account XXXX XXXX tried to call them plenty of times but my calls get reroited and v can't get hold of then for b the months I've told XXXX XXXX but they have not done anything about but
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (OH)

I pulled my report an noticed unauthorized inquiries reporting on my credit report. These inquiries are unverified and unauthorized, I've contacted the creditor and they have advised for me to contact your office with this matter. I extremely upset with this matter and need these unauthorized inquiries removed immediately. 

1. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (IL)

XXXX University first ruined my credit score by not sending invoices for my student loan, only after I found out through another loan provider that XXXX reported my loan as default. I contacted them, I paid the balance, they issued " paid in full letter '' however derogatory credit rating still continue till this day I notified all 3 Credit Agencies but my credit score continue to drop due to XXXX failure to notify them of my student loan being paid off.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been selling online my dresses for over 2 years, within different websites such as XXXX, XXXX, XXXX. I have been using only Bank of America for my business for 2 years and was their gold preferred reward client. I have XXXX accounts with Bank Of America. In XX/XX/XXXX I have been sell bulk order of wedding and couture dresses I had in stock. Customer contacted me through email, and made direct payment to my business account with Bank of America for the amount of XXXX $ and XXXX XXXX, after that my all accounts was locked and put on hold for investigation. I believe it was scam as client assured me that he contacted his bank ( XXXX XXXX  ) and make sure to authorized this transaction. Anyway as all my accounts was locked including my personal bank account with funds on it or XXXX and XXXX XXXX. I find out that customer who paid to my business account XXXX $ and XXXX XXXX opened a claim and said that he had never made this purchase. On my end I have all proves including payment receipt, his confirmation in email that he had paid and waiting for gowns being shipped. Bank of America holding all my accounts within over 60 days since this situation happened, even I have provided all proves to their claim department that purchase was made officially and it is not my fault that client made a claim. I have been calling to Bank of America over XXXX times, to resolve this situation and I was told several times that they see that it is not my fault, and this is mistake and I should get my accounts back and this claim should be closed soon. But it has been frustrating time of waiting without any real actions on Bank of America end. They keep locking all my bank accounts until now and I cant use even my personal bank account which has nothing to do with that transaction. Every time I call to customer service of Bank of America they give me different information and different reasons why my accounts still locked. I really dont know what to do. Because definitely this is illegal to hold my personal funds for that long even when all proves are in my side. All I want is this claim to be closed ( because obviously I was scammed ) and instead of protecting my interest they violating my rights and holding my personal bank accounts funds for over 60 days.
Consumer complaint received 2022-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

I received a loan from one main financial XX/XX/XXXX for XXXX. I have been paying on this loan for a year and were even sending extra payments, and have not seen any significant decrease in the amount of the balance.I spoke with a representative on XX/XX/XXXX she stayed my interest rate was 27 %. I currently have other loan with a higher interest rate and is able to see a difference in the balance. I would like to make sure the payments and extra money in which I am making are being distributed properly to my loan.
Consumer complaint received 2022-11-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.
Consumer complaint received 2021-10-18
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-06-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

some time around 2018 there a wall XXXX credit card that was sale to a company my the name Midland credit management i have been pay on this account for three year it should not have gone the collect department of midland credit because i was never late. this collect is on my XXXX  report why i do not no. two-month midland credit contact and ask could they take a payment out of my account on a month base. if i let do this would you remove this from my credit report and the guy said yes and i will give you a balance XXXX and not XXXX so therefore the balance be XXXX so went i check my credit report this Moring the balance was stilXXXX and that was wrong. so said to they Iam going to report ytou all to cfpb servicer. it should never be in collect anyway. and that the problem they purchase this from XXXX XXXXXXXX bank who purchase it from XXXX  and that was illegal therefore against the law
Consumer complaint received 2021-02-23
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. (FL)

XXXX  and Transunion should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.