davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MA)

Good Day, My name is XXXX XXXX XXXX. I am writing this letter in hopes of receiving some assistance with collecting funds i have deposited over the internet to a company known as Binance us. which advertised its self as an exchange place to buy and sell crypto currencies. I had been using the site with no problem at all until XX/XX/2021. I received an email from Binance.us that a deposit of crypto I purchased for the sum of {$1000.00} usd was reported to my bank to not be available so I needed to make a deposit or sale some assets to bring my account current and until I did my account may be blocked until the proper funds are disbursed. At the time I didn't understand the message so i thought there was an error because the funds were available so I counited to trade all functions of my account were active and i was able to trade. I made a sale of some of some coins i had valued at the time of transaction completion to the sum of XXXX usd which was deposited to my Binance wallet. Immediately my cash sale went to XXXX due to the company taking its Money that was owed and sending me the remaining in my wallet, no problem their now this is were the problem occurred. on XX/XX/2021 I made a purchase for XXXX usd XX/XX/2021 another deposit for XXXX usd again on the same day made another deposit of XXXX usd which Binance allowed me to make a purchase with. During this time i made an increase in my positions so i wanted to liquidate some of my assets so i made an order to sale which went fine but when trying to withdrawal I get a message I've been suspended on trading due to risk management so i follow the instruction on the website and send in a ticket for review of my account no response i send numerous tickets to alliviate the situation but every time i try to contact someone they send messages from a bot with no actual person to talk to or department to communicate with. my wallet is now holding a total of {$5100.00} i recently closed on my first home and the money i have locked and not able to touch is really putting me in a bad position. i have more than 15 failed attempts to rectify this situation even screen shooting all my transactions and laying out the time line for Binance but to no avail no response just generic automated responses it been really hard to get buy without my funds this was a quick investment and now its turned into a night mare i pray you can help me resolve this issue
Consumer complaint received 2022-11-02
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. (GA)

On XXXX XXXX I mailed XXXX XXXX XXXX a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded XXXX XXXX XXXX to clear out my debt to XXXX dollars to the XXXX, and Return my down payment of {$5000.00}. I gave them 30 days to respond to my cease and desist and to pay in full and have not received a response. 
31 U.S. Code 3123 - Payment of obligations and interest on the public debt
Consumer complaint received 2021-05-21
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: Experian Information Solutions Inc. (FL)

I have an unverified account from the XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began. 
6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request that the XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-05-21
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. (FL)

I have an unverified account from the XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began. 
6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request that the XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MI)

Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.
Consumer complaint received 2021-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was involved in a romance scam 3 years ago and the XXXX got a hold of my information and opens up a Capitol one card in my name. The charge was for {$5000.00} dollars to a company called XXXX. I had a court document appear in my mail saying they are suing me for XXXX which I dont have. I complained to the collection agency handling account said about the fraud. The collection agency also said looking at records a attempt was made to pay it from a account in XXXX. At the time of my romance scam I did not file police report I was scared and threatened by the scammer verbally. I have tried to call the representative XXXX from Capitol one several times no return call. The courthouse said this happens a lot with Capitol one. My problem is I have no money covid hit me very hard financially and on top of that I am having XXXX  XXXX on a few weeks. Any help will be appreciated.
Consumer complaint received 2021-05-21
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: Grain Technology, Inc. (CA)

Grain has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )
Consumer complaint received 2021-05-20
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. (TX)

I submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX  XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help
Consumer complaint received 2018-02-18
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. (OH)

I was denied an apartment with XXXX XXXX on XX/XX/18 because of my credit score. Upon looking at my Experian report, I noticed several inaccuracies. When I attempted to contact Experian online, I was told my dispute could not be filed.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 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 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Two new accounts were opened. Credit score was reduced from XXXX to XXXX indicating the use of new credit lowered my score. I am retired and have a {$42000.00} personal annual income. The credit I am using is {$2700.00} which is 0.0644 % of my annual income. I have no mortgage, auto loan payments other than monthly credit card debt which is paid in full each month. The two new loans were for the purchase of {$320.00} and {$1100.00} items on a vendor promotion. Payments are {$28.00} and {$99.00} respectively and are debited from my checking account automatically on a monthly scheduled payment schedule until each item is paid in full over 12 months. See results below. 
On XX/XX/XXXX your score decreased by 8 points.

Credit Used The percentage of available credit that you're using increased, from 2 % to 3 %. 
Total Debt The amount that you owe on loans and credit accounts increased, from {$1600.00} to {$2700.00}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit. 
Available Credit Your available credit increased, from {$83000.00} to {$84000.00}. 

TransUnion Credit Report Check your credit report for signs of theft, fraud, or error. 
Updated : XX/XX/XXXX Accounts & Balances You have a total of 26 accounts, 9 of them are open, and 17 of them are closed. 

1 New 1 Negative 0 Disputed Balance Breakdown Credit Cards {$2700.00} Real Estate {$0.00} Auto Loans {$0.00} Personal Loans {$0.00} Other {$0.00} {$2700.00} Total Balance Owed Inquiries Number of times that lenders have reviewed your credit report. 
2 Total Public Records Number of records provided by county, state, and federal courts.

0 Total Personal Information Information that you've supplied to lenders. 
XXXX XXXX XXXX Birth Date XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX Ct XXXX, FL XXXX Employer Name XXXX XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

On XX/XX/XXXX, I paid my off my {$16000.00} student loan from the University XXXX XXXX XXXX, serviced by Heartland ECSI, in full, days before the grace period ended. 

On XX/XX/XXXX, I looked at my XXXX credit report and saw that it was still being reported as open according to XXXX. The same day I filed a dispute online, through XXXX, requesting to review the loan, as it had been closed, paid in full, on a positive note. XXXX said they would send me a letter detailing the result of the dispute. The dispute did not show up anywhere online. 

Around three weeks later, XXXX updated my account by deleting the disputed item, permanently removing it from my account, instead of updating the open account to a closed, paid in full, on a positive note, one. Around this time a received a letter detailing the details and resolution of the dispute, as well as how to contact them if it was incorrect, including their customer service line. 

On XX/XX/XXXX, I called the XXXX customer service line, ( XXXX ) XXXX, requesting the item to be restored on my report and reporting it accurately. They said this was impossible as the account was already deleted, and that I had to call the servicer and ask them to report it again and submit it to XXXX. 

On XX/XX/XXXX, I called the Heartland ECSI customer service line, XXXX XXXX XXXX XXXX XXXX, and requested that they report my loan status again to XXXX. They said they couldn't report any information to XXXX unless XXXX requested it directly. The Heartland ECSI customer service representative recommended filing another dispute with XXXX in order to prompt an information request from XXXX to Heartland ECSI. In addition, the Heartland ECSI customer service representative also said that they had reported to XXXX that the account had been closed, paid in full, and on a positive note, in XXXX of XXXX. 

Later in XX/XX/XXXX, I called the XXXX customer service line, ( XXXX ) XXXX, again, to ask that they request information from Heartland ECSI in order to restore the closed account accurately, or to file another dispute to prompt XXXX to do so. the XXXX customer service representative told me that they would not be able to do this, nor would it work and that I had to contact the loan servicer and ask them to report the information to XXXX. 

Disappointed, I asked the XXXX customer service representative that if there was a way I could complain about XXXX 's service, to which they referred me to a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ) and the CFPB. As only having a the possibility of complaining through a XXXX XXXX is disappointing and predatory, and XXXX has demonstrated it's incapability in resolving this issue, I preferred taking my complaint to the CFPB, which is why I am submitting this complaint, in order to understand who is in the wrong ( XXXX and/or Heartland ECSI ) and to resolve this issue.
Consumer complaint received 2021-05-20
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. (LA)

XXXX and Equifax are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (CA)

I have an account with Binance.us and you need to use a XXXX XXXX to access your account. For some reason it crashed and even though I have a login and correct password, I can not access my account without the XXXX XXXX. 

I have contacted them several times about this, they asked me to send them a screenshot of my bank account XXXX XXXX XXXX ) and a copy of my CA driver license and a video of me asking me to do the following : Don't worry, we can assist you manually. 

To help you with your request, please provide the following requirements to continue : Step 1 : Attach a selfie photo of yourself, holding the same proof of identification. 

Step 2 : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link. Unfortunately, we don't accept documentation within XXXX XXXX. 

After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 


- which was all done back on XX/XX/XXXX and have gotten no response I need a new XXXX XXXX  XXXX XXXX and setup key please so I can get back into my account and access my funds. Thanks
Consumer complaint received 2017-09-09
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)

Between XXXX-XXXX 2017, my credit report was improperly handled by Equifax and was one of the 100+ million people affected by this breach. The actions by several of their managers ( selling their company stock without proper disclosure before the news went public ) shows they have no urgency to make this right. They are seeking to limit their liability and taking no steps to help customers.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (WV)

I found on my credit scores a hard inquiry on my report. It was from XX/XX/ 2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted Synchrony Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.
Consumer complaint received 2022-11-02
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. (NE)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these Items to be authenticated ( A ). I will take legal action against you if you do not validate these Items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (OH)

I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I  called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three  months and missed payments on a number of bills due to this issue
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (TN)

I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX