davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (ME)

On Wednesday XX/XX/2022 I requested a withdrawl from my Binance.US account which is a FDIC backed account. 

The withdrawl was in the amou of {$4900.00} in USD and was fully owned by my account. 

When I withdrew the amount I went through the verification process of XXXX Authenticator and then was told I would receive an email from XXXX XXXX XXXX  to verify the transaction as well. 

The email was not received so I put in a smaller withdrawl in the amount of $ XXXX and the email did come and I have received that in my account. 

The company said that I needed to whitelist the emails Associated with them when they responded to my help desk ticket on XX/XX/2022. 

So I did that ( as instructed ) and still received no email link to click for my {$4900.00} withdrawl. 

The more interesting part is that the {$50.00} transaction verification was fine but the larger amount was not. 

I am in need of my {$4900.00} and have contacted them daily to attempt to resolve this with no response after their initial email. 

This is also concerning the this is a US Entity that is claiming to back funds by FDIC yet they can't produce the funds for withdrawl. 

Therefore, they may not have the liquidity to cover larger withdrawls which I would say could be a violation of many Treasury bank charter statutes.
Consumer complaint received 2022-06-03
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # XXXX, 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 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

Our mortgage company, Amerihome Mortgage, created an escrow account that was unauthorized by us. At no time did we ever give any consent for them to create this account. We initially took out a mortgage with them over a year ago with no escrow account. We would like to file a complaint before considering legal action.
Consumer complaint received 2022-09-13
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. (NJ)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX ( XXXX ) account # XXXX XXXX : XXXX XXXX  account # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX  account # XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX  account # XXXX XXXX : XXXX XXXX XXXX XXXX account # XXXX XXXX : XXXX  XXXX XXXX 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 2022-06-03
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)

In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX lender XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 2018-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (GA)

On XX/XX/2018 I came to an settlement agreement with Franklin Collection Svcs on a debt that they purchased from XXXX XXXX XXXX. I did not have a contract with Franklin Collection Svcs therefore they shouldn't have been able to report negatively to the credit bureaus. To settle this matter we came to a settlement amount of XXXX. When I asked them to have the negative remarks removed, they refused.
Consumer complaint received 2022-06-03
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

I am submitting this complaint in order to have the file audited for the following reasons : XXXX ) Discrepancies regarding the Monthly Interest fee for several months in 2020. Especially the months of XX/XX/2020 ( {$510.00} with an interest rate of .09750 % ) loan balance was {$240000.00} and XX/XX/2020 ( {$230.00} with an interest rate of .09750 % ) loan balance was {$240000.00}. I believe the interest rate in correlation to the loan balance is inaccurate and over charged by at least {$270.00}. I feel several months have been miscalculated. 

XXXX ) The security instrument ADJUSTABLE RATE HOME EQUITY CONVERSION MORTGAGE has a notary stamp or seal that DOES NOT look official or legal. The stamp shows irregularities ( no commission or expiration date?? ) Expiration date is HANDWRITTEN in!! I was a notary so I know that is incorrect. 

XXXX ) The HUD 1 shows a miscalculation of monies due to borrower. My mother was given {$8000.00} versus the correct calculation of {$8000.00}. This is why I feel the numbers are incorrect throughout the loan. 

XXXX ) The exact ATTORNEY FEES were added TWICE on 2 statements when this account was with XXXX XXXX. The months are statements ending in XX/XX/2020 and XX/XX/2020. An additional letter was sent on XX/XX/2020 stipulating that XXXX XXXX  forgot to add several fees to the XXXX statement of 2020.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

Good evening, i like to make a complaint to Best Buy Credit Card. I take the credit card about 1 year ago, may be. I bought a notebook and never had a problem. The last year i bought an XXXX  telephone. The seller never told me i have a promotion for 1 year and later the promotion finish, and the interest will be variable. This affect my credit in 4 points, they said they sent the information in the monthly extract but i change my address. Then, when i bought the telephone NOBODY told me the promotion will finish at 1 year. This is a fraud!! The telephone doesnt work good, i need to go 3 times for change, and they told me i needed to go to XXXX. I bought the telephone in Best Buy! Not in XXXX.! Finnally they change the telephone. Later i had a surprise with the bill. I maked a complaint and they give me 1 year promotion without interest. And they promised me than when finish the promotion they will renuew! I need they renew the promotion because these not are the conditions than they told me when i bouth! If you need more info or documents please let me know. Thanks! My email address is XXXX.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

Attempted to buy tickets to a hockey game and the seller was scamming us. Chase allowed for us to transfer {$220.00} to his/her bank account and also have him request {$220.00}. This all happened within minutes of each other. Once we learned it was a scam we attempted to have the bank cancel the transactions but it was too late. The payments were made through XXXX. I just wish there was more that could be done to revoke payments after the fact or that Chase would have found the activity of two exact payment amounts suspicious and called to verify if both were legitimate. These transactions happened on XX/XX/2019.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TN)

I originally filed a complaint with Caliber Home Loans during the PMI removal process. Significant delays from their side created a situation that prevented my possible PMI removal to be delayed. In their response to that complaint, Caliber replied on XX/XX/2022 that due to their significant processing delays, in the event the PMI was subsequently removed, they would go back and refund the PMI taken from XX/XX/2022 up to present. I have attached that specific response to this filing from the previous complaint, as well as, the PMI removal approval letter dated XX/XX/2022 to support the successful PMI removal and my follow-up request for Caliber to follow through with this resolution. 

I have contacted Caliber several times to discuss the PMI refunds, but no one has responded, so I'm filing another complaint as this seems to be the only way to get a response. Thank you.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2019 a package of information was sent to Equifax to dispute information regarding 3 collection accounts on my credit report that have been paid asking for them to be removed. On XX/XX/2019 a phone call was placed to Equifax again speaking with an advisor asking for these to be removed. The 3 accounts have not been removed and remain on my credit report. 

Also, I have been in contact with the 3 credit reporting agencies and Equifax is the worst of the 3. Their website and web services are horrible and not user-friendly and the online services hardly ever work. It makes this very discouraging and I feel that because of this most people will get frustrated and just not doing anything and walk away.

One company should not have so much power over someone's life and credit report.
Consumer complaint received 2019-05-03
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: Experian Information Solutions Inc. (FL)

I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with one of my mortgage, that it is now listed as 3 negative entries instead of one. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not 3 negative entries.
Consumer complaint received 2023-06-24
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. (FL)

I wrote a letter to all the credit bureaus early XXXX and still have not gotten a response so here I am reaching out to you all now because I need help. I do not want to take legal matters so I will explain whats happening. The credit bureaus are furnishing fraud and wrong information on my credit files. They are also breaking the law per 15 USC 1681B " I did not authorize thus companies to furnish any information '', let alone FALSE INFORMATION AT THAT! I will give the bureaus one more chance in resolving this issue.
Consumer complaint received 2022-06-03
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, 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 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only one showing that I have an open credit card account is the TransUnion company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC (OK)

TruHome Solutions services my mortgage from XXXX XXXX XXXX XXXX. Last month they added {$200.00} to my mortgage payment for homeowner 's insurance. I have and always have had my own homeowner 's insurance. I and my insurance company have emailed them the proof that I have homeowner 's insurance, several times times. I have been told on the phone and by email that they would remove this forced and unnecessary insurance. Last month, so my payment would not be late, I went ahead and paid my mortgage plus the {$200.00}. This month, my mortgage payment is due and it still has the {$200.00} escrow fee on my account. 
I will attach/upload the email I received, saying that the lender placed insurance policy will be removed and a copy of my homeowner 's insurance that I have had and will continue to have. 
Desired Settlement :
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I feel like someone has access to my credit information because every bank institution I made an account for, eventually my account would go overdrawn and then just stop working. I never knew what was behind my information but it is very scary and inconvenient. Someone has been frauding my accounts for the past two years and it XXXX because now I cant use any banks right now because of my bad false consumer reports. 

On XX/XX/2017, my XXXX XXXX account got frauded and it definitely was not me. {$110.00} was took from me. 

I don't remember the exact date but it was around 2 months ago, my Bank of America account got frauded. Someone was depositing {$5000.00} checks into my account twice. Once I logged into online banking and saw {$10000.00} I went to the bank to ask them what was going on. By the time I arrived at the bank they said my account will be in foreclosure. I reeally need help with trying to open up an account. It is really depressing my credit score, reports are messed up and it is affecting my life negatively. Can you please help me.
Consumer complaint received 2022-12-19
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. Account name : Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance is at XXXX 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one closed my card due to the BANK RETURNING THE PAYMENT BECAUSE THEY THOUGHT IT WAS FRAUD!!! I told them this months ago when I had two returned payments and no one warned me at all that on the third return payment they would close it. I can provide proof that it wasnt my fault! Ive never missed a payment on this account ever! I either want. New card opened or I want my money back. I live alone and Im a single parent I cant afford to just lose that money! I cant believe they treat their customers like this smh
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (LA)

On XX/XX/XXXX I received an ALERT from XXXX. I immediately signed on to my account to verify information from the alert, There was a collection from Convergent Outsourcing for a XXXX account from XX/XX/XXXX.I contacted Convergent at that time to ask why hadn't I received a notice from them before reporting to the Credit Bureaus. Upon talking to XXXX the Convergent Rept. I learned a letter was mailed out, so I asked what address did she mail it to, at that point she gave me the wrong address so then I told her I would contact XXXX for further investigation and I mentioned to her I would dispute this account due to those reasons. Well XXXX decided to report my account AGAIN days later and added the comment that I disputed it which was UNTRUE as of today I have NOT disputed anything.I also mentioned to her there are Rules and Rights before taking matters into your own hands. In XX/XX/XXXX I had 2 XXXX, 2 cell phones and 2 watches. Due to the High Prices XXXX was charging I was able to get a lower price at XXXX XXXX XXXX. I upgraded my devices when I did the switch. Being in a contract with XXXX  for 2 years those devices should have been paid off actually. On XX/XX/XXXX I contacted XXXX  to update my email and mailing address, Just in case I did have a balance and they could forward me the balance. According to what is was if I was able to pay out right I would have if not I could have made payment arrangements.Anything to save the headache of damaging my credit. after contacting XXXX I was notified no one had updated my information in XX/XX/XXXX, In other words I have to pay for their mistakes. There is something suspicious about the whole situation Ms XXXX the collections supervisor from XXXX has been constantly contacting me trying to get me to go to XXXX and update my information so that it can look as if they already had my updated information, when I asked her what address did she send my final bill to AGAIN that was the wrong address so in other words I never received a final bill from XXXX. So I assumed I was paid up, now that it was a my Statue Of Limitations they decided to send it to a collection agency. I even asked XXXX from Convergent to REMOVE this off my credit report and XXXX the collection agency to remove this from my credit report and own up to their mistakes. I will accept their apology work out a payment plan from her on out and move forward. But this has to be in an email to me and removed first. I did mention I would report this to CFPB and my Local Attorney general 's Office if not resolved in 30 days. Attached is where XXXX  and Convergent is ALERTING on this account constantly meaning 2 times in the SAME month which is ILLEGAL and needs to be investigated every time there is a reporting my score drops before CONVERGENT my score was XXXX XXXX now I'm at a XXXX XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent several 609 dispute letters to experian, XXXX & XXXX contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXXXXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.