davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (UT)

On XX/XX/XXXX I initiated a {$30000.00} wire transfer from my personal bank account to Binance.US ( XXXX XXXX XXXX ) for deposit into my account. 
Shortly after the first transaction my account was XXXX with no notification or reason as to why there was a discrepancy. 
I was as a result have been unable to buy, sell, trade or withdraw both fiat and crypto currencies since after the first transaction initiated on XX/XX/XXXX. This includes withdrawing the money deposited to the institution back into my own account from which it was originally sent. I have had several smaller deposits and had funds prior to the wire transfer on XX/XX/XXXX. 
After waiting a day to perhaps allow the wire transfer to settle, I opened my first ticket attempting to resolve this matter on XX/XX/XXXX - ticket number XXXX Here are the following subsequent tickets attempting to seek resolution : XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX I was finally given a canned response for a request of info from XXXX at binance.us support that my account was suspended due to security measures - ( a PAID wire transfer from my personal bank ) and inorder to unlock my account I had to validate bank account ownership. I complied and sent the information that was on XX/XX/XXXX Two tickets were opened after I sent the requested information with no movement so I opened more and heard back on XX/XX/XXXX to send essentially the same information that was already sent. So I complied and sent again later that evening on the XXXX. 
It is now a month later since I have sent the validation information, twice. 

I am still unable to access my property/assets being held by BAM Trading and Binance.US, NMLS ID : XXXX.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report.

15 USC 1681a - accuracy and fairness of credit reporting.

15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Back on the XXXX of XXXX I sent letters regarding some inaccuracies on my credit report that came to my attention. Its been almost 3 months and well over 2 months sent a sent letters informing the bureaus of my complaints but have yet to get a response. I just need these inquiries that were unauthorized to be taken off my credit report. This has affected my plans to apply for more credit with these existing on my report. It has been quite frustrating and I'm not sure what else to do but contact you all here and leave a complaint. I believe my information could have been impacted by the XXXX date breach as well. I'm not sure if this possibly has an effect or not but I just felt I should mention this. According to Section 611 ( a ), failure to to investigate these disputes in a certain amount of time gives reason to remove these inquires as it has been over 60 days! Please I need these inquiries to be verified and removed after the investigation as I know these are unverifiable. Please delete, thank you!
Consumer complaint received 2021-04-18
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: SELECT PORTFOLIO SERVICING, INC. (CA)

I already reached out to the credit bureaus and to SELECT PORTFOLIO SER for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The Credit bureaus seem to throw my letters out or do not do anything on my file. I want the inquiries I did not authorize removed. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OK)

I purchased an item from XXXX for a total of {$8.00} in XX/XX/XXXX. I made sure to set up auto pay at that time. My automatic payment was removed without my knowledge and authorization. 
I did not receive a notification that my payment was late until XX/XX/XXXX and I was charged numerous late fees and interest fees for a total of {$86.00} before I was even notified. 

I called XXXX on XX/XX/XXXX to resolve this issue and was told that if I paid {$36.00}, they would waive the rest of the late fees and interest. I agreed and authorized a payment of {$36.00} on XX/XX/XXXX to clear my balance. 

I received an email on XX/XX/XXXX that I had a payment of {$35.00} due on XX/XX/XXXX. My account shows they have not waived the late fees and actually charged me another late fee of {$40.00} and I now owe a total of {$85.00}. 

My XXXX XXXX has also been severely impacted by this.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

My original home insurance company discontinued my home insurance without noticing me so my home insurance had been stopped for more than two months, my loan company ( Planet Home Lending ) asked me to get a new home insurance. I got new home insurance promptly in XXXX, XXXX. 

But started on XXXX XXXX, XXXX, Planet Home Leading asked me to pay expensive {$410.00} just for charging me the lapse of home insurance from XXXX to XX/XX/2022. I told XXXX there is not insurance company want to do the backdate coverage for me and it is nothing to do to protect XXXX 's interest as the loan company of my property since it was in the past. 

But XXXX ignored my request and increased my loan 's monthly payment from {$800.00} to {$840.00} instead. 

So far, I refused to pay the new monthly payment of {$840.00} but pay {$800.00} instead.
Consumer complaint received 2021-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

Reopen, dup of XXXX. Wrong code on 1099-C! Will not offer explanation! 1099 code should be A. I will keep submitting these complaints until they fix this! Like I will do this for years until they get this right!
Consumer complaint received 2023-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (OK)

Asset recovery solutions has contacted my ex husband numerous times trying to collect a debt that is mine that was obtained years after our divorce. The most recent time was Friday XX/XX/XXXX. He has told them every time he is not me and they just keep saying when are you paying this debt. We need it paid. You are the said party and just lying.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (FL)

I went to emergency in XX/XX/XXXX XXXX, a couple week later I received a bill from doctor and other from the hospital, I make a deal with the hospital so my balance was paid in full, but the doctor bill was so high for only 30 minutes, I disputed the bill without any satisfactory results, a couple months later I received a letter from XXXX XXXX XXXX XXXX with a payment deal Creditor XXXX XXXX XXXX Creditor account XXXX Balance {$910.00} Settlement {$630.00} I sent then a letter back asking for a verification letter about this debt and there was not response from then, after 15 days waiting for their response I assumed that they had the wrong information and as I asked in my letter to them clear all information and delete any negative information in my credit report if they they couldn't not verify the debt,, but certainly they dint and sold the debt to a new debt collector and this other sold to other and the new report n my credit apparently appears as new in XX/XX/2021,,.. I was not aware of this information until now that I tried open a new account and I received a letter from XXXX Bank with a possible information why they denied my application, then I checked my credit report and I see all this mess..
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I had my first late payment which was reported to the Credit Bureaus. This has been very impacting as it has kept me from getting an auto loan. This was the only time I missed a payment and it was due to catching XXXX. I was in the hospital and was unable to make a payment. I was XXXX of the first cases. I would appreciate the help in removing this negative reporting as it has taken a negative impact on my credit report and this was out of my hands. Thank you.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

RUSHMORE LOAN MANAGEMENT SERVICES ESCROW ANALYSIS DATED XXXX REFLECTS ILLEGAL XXXX XXXX XXXX FEES TOTALING {$15000.00} GOING BACK ( XXXX ) XXXX YEARS OR MORE, PLUS FALSE {$130.00} ESCROW FEES THAT VIOLATES BOTH FLORIDA STATE XXXX & XXXX LAWS WHICH CAN BE CONSTRUED AS FEE PADDING, CONSPIRACY TO DEFRAUD, ABUSIVE CLAIMS, UNETHICAL SELF SERVING, UNJUSTIFIABLE OVERCHARGES AND XXXX XXXX XXXX 

XXXX XXXX XXXX INTENTIONALLY CLASSIFIED MY PROPERTY AS NON-HOMESTEAD TO PUT ME IN XXXX WAY WHEN IN FACT IT IS MY XXXX NOTED IN XXXX XXXX XXXX PROPERTY TAX RECORDS SINCE XXXX. MY PROPERTY IS A XXXX IN A NEW HIGH RISE CONDOMINIUM WITH HOME OWNER ASSOCIATION THAT PAYS FOR OUR MASTER POLICY BUILDING INSURANCE COVERAGE IT IS NOT A HOUSE.
Consumer complaint received 2021-04-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Green & Sons Agency, Inc. (UT)

We were served with a court summons from the lawyer from Outsource Receivables Management on XXXX XXXX XXXX regarding medical bill owed to a XXXX XXXX. We had assumed we settled the debt in XX/XX/XXXX, however, we were informed that the hospital used an independent contractor to perform the XXXX XXXX XXXX XXXX  ... 

We never received any letters from the collection agency that they were trying to collect. The first we heard of the debt was with the court summons. They stated that their only responsibility was to mail the letter, not ensure we get it. Now they are not only going after the debt, but they are threatening to garnish pay to cover court and lawyer expenses that we were never previously told about. 

Even though i have been underemployed for a year, I offered to settle the original debt immediately, but they insisted that legal action is already taken, can't be cancelled, and that they are going after me for 3x what the original debt was.
Consumer complaint received 2022-02-11
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove as soon as possible
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (NC)

My name is XXXX XXXX. On XX/XX/XXXX, my husband, XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. We were given the value of {$10000.00} for the auto. We requested financing for the auto and based on my credit score, we were accepted for financing by Onemain Financial Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN XXXX. The annual percentage rate that we were given was 18.17 % making the finance charge {$5500.00}. Unfortunately, we feel that in a way we are being taken advantage of by Onemain. The rate is too high, especially at a time in which we are in a pandemic. My husband and I have been going through financial hardship due to the COVID 19 pandemic and the added expenses that we have incurred due to this international health crisis. We know that the government has established laws for these finance companies not to gauge their rates and Onemain has definitely done this. How is it possible that we have to pay almost 60 % over the price of the automobile in interest rates. Our finance contract with Onemain started on XX/XX/XXXX. Our first payment was {$330.00} and the monthly payments since then have been {$260.00} per month, which {$130.00} of this is in interest only. We need for you to look into this and see if the finance rate can be lowered and regulated, especially as the car that we are paying was sold to us in a faulty state and it has been parked in the garage and we have not even been able to use it since it was purchased.
Consumer complaint received 2021-06-23
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 XXXX XXXX incorrectly reported a XX/XX/2021 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Transunion needs investigate the erroneous statement. Transunion is not to verify if the account belongs to me! Not verify my name, address etc!!! Transunion needs to follow the federal law to report accurate information. My report says XX/XX/2021 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal! Investigate not verify account address!
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Was sued by Portfolio Recovery Associates for a credit card debt that I did not accrue as I was XXXX during the dates the account was in collections. All attempts to explain that to them were ignored and they proceeded with the case. The case was dismissed as Portfolio 's attorneys no-showed mediation. 

Now, three years later, they're suing me again, for the same exact account they've already lost in court over. The account, they allege, was opened in XXXX of XXXX. The statute of limitations is six years here in Wisconsin. The last payment on this account before my XXXX, was in XXXX. So, the account is now past the SoL. 

In XXXX, they even threatened to sue my elderly Mother to collect the money owed to the " original creditor '', which is an outright lie because I confirmed with the OC that they had closed the account and written it off two years prior. Portfolio acquired the account in XXXX. 

There is no possible way I could have used that card from XXXX XXXX and no one else was authorized to use it, unless it had been stolen, which was the case. I had massive fraud and identity theft issues upon my XXXX  and even have police reports backing that. 

Yet, here they are, suing me for the same exact account again, using the exact same wording as in their prior claim again and I have received absolutely nothing by mail, email or telephone from them about it this time until I received the summons from the court. 

This is blatant harassment and it has to stop. 

My advice to anyone who reads this is to do what I did... stand your ground. Don't pay them anything, not a penny and tell these XXXX XXXX XXXX XXXX every time they call. Keep logs of when they do and be prepared to receive a summons whether the account can be collected on legally or not.