davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (IL)

Binance.US https : //www.binance.us/en/home I HAVE BEEN TRYING TO GET A HOLD OF THEM FOR 2 weeks straight though emails and social media. Their policy states no funds can be withdrawn out of their exchange until 7-10 business days have completed after ach transfer has been successful. On XX/XX/2021 they have sent an email showing a list of ach transfer that were supposedly a charge back/rejected in the amount of {$6000.00} by my bank on XXXX XXXX XXXX without explaining they have locked over {$24000.00} with of crypto assets without any respond to the 50+ emails and 100+ tweets besides an auto email respond stating pay to unlock the account functions. My bank statements and bank clearly shows no charge backs what so ever or any transaction ach charge back. And there never was any a charge back. Also I dont know if it makes sense to lock $ XXXX until I pay $ XXXX and whats even worse is that what is stopping them for coming back at me with numbers or amounts of made up charge backs after I pay what they are demanding to release what they are holding hostage. There is no customer support acknowledging the fact that this is a crypto exchange that shouldnt freeze a trading account for their own mistakes not mine also they could explain what is going on when a person tries to withdraw not two months later after there has been no issues and my last ach transfer was in the amount of {$5000.00} on XX/XX/2021 2021
Consumer complaint received 2021-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Hello! I have had a loan with Navient ( formerly Sallie Mae ) for XXXX years now. My interest rate is nearly at 10 %, which is absolutely unfathomable in a market where the average rates are 3-4 %. I have been told multiple times ( including most recently on XX/XX/21 at around XXXX ) that there is no room for negotiation or refinancing, but this seems like an inaccurate and positively unfair response. Please help!!! It seems like they are purposefully preventing me from getting ahead.
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IL)

I received a debt collection notice from Afni Inc regarding an XXXX XXXX XXXX account for {$760.00}. I spoke with a representative and she said the account was opened in my name in XXXX, IN. I have never lived in Indiana nor do I know anyone there. Furthermore, I have never had an XXXX XXXX XXXX account.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (PA)

Perfection Collections appeared on my XXXX XXXX and XXXX credit reports in XXXX of 2018 in the amount of XXXX. I disputed this item with the collection agency in XX/XX/2018 and requested that the debt be verified. I received nothing verifying the debt from the collection agency after writing them multiple times and giving them a call. The day I called the collection agency requesting debt validation, the rep continued to call my mobile number that day requesting payment and they have continued to do so. They have not responded to my request to verify the debt.
Consumer complaint received 2021-04-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CT)

I agreed to a payment plan but after weeks of paying they tried to say I still have a large amount remaining and it just seemed unprofessional with how they are dealing with the situation now theyre threatening to have me arrested if I dont repay them
Consumer complaint received 2021-04-19
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: EQUIFAX, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a report stating that these accounts are not mine and that my identity may have been stolen which I have included with this message. I have listed the accounts below. 
I have no idea how these fake items ended upon my credit profile but I want you delete them because I do not want to have someone else accounts in my profile or misleading info. Please delete them asap as its complete fake
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XX/XX/XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

On XXXX I requested my updated address be the only address on file because I don't want my personal information being sent to addresses I do not live in and showed numerous items of identification my address and it went ignored so I refiled again on XXXX after XXXX  said they couldn't change it and showed more documentation and still nothing changed. I don't want personal mail or information being sent to homes that i don't live in.. identify theft is a serious issue.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (LA)

I have had so many problems with this company since the beginning I should have stopped when I started. The company seems to make there own rules when they want and will lie straight to ur face whenever something does not seem correct. When you go to make a payment on their app it says payments processed after XXXX eastern will POST the next business day. So I decided to make a payment the day before at XXXX am central. I waiting till around XXXX and asked them why the payment had not been postted they proceeded to tell me that the funds will post and Be made available in 2-3 business days. Now that doesnt make since, however when u call to discuss it they get made mad and start to make up rules on the fly to cover themselves and there is nothing you as a customer can do about it but what I am doing now because u can hear them laughing in the background and all they tell u is that how it gon na be and thats the answer your gon na get. Thisis not the first time in have dealt with them. They are not a company and don it have a professional customer service department.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Just before midnight on XX/XX/XXXX, a balance inquiry and a subsequent withdrawal were made from my B of A Prepaid account that I did not make. I was told by a B of A claims representative that the inquiry was made at a branch in XXXX XXXX, CA and the withdrawal for {$1000.00} was made at a branch on XXXX XXXX  XXXX in XXXX XXXX, CA. Additionally, just after midnight another withdrawal for {$400.00} was made. I have always been in possession of my atm card and the PIN is NOT written anywhere nor do I share it with anyone. 

I learned of the fraudulent activity via email stating that my balance was low at about XXXX on XX/XX/XXXX, and I immediately filed a claim/dispute with B of A. The very next day my claim/dispute was closed. They stated that there was no fraudulent activity occurring. That same day, XX/XX/XXXX, my prepaid account was frozen by B of A ( or EDD, they both point the finger at the other ) and for the next month and a half B of A refused to reopen my claim nor would they discuss any of the documentation or information that they used to come to their decision. 

Finally, in the middle of XXXX I was able to reopen my claim which again was denied immediately. The first time my claim was denied in XXXX, as well as when it was denied in XXXX, I requested documentation stating the reasons they came to their conclusion. Both times my request was denied. 

After my claim was denied for a second time in XXXX, I called the claims department to reopen my claim. I was on the phone with the representative for quite a while and was told my claim would be reopened again however, when I called for a status update on XX/XX/XXXX, I was told that they did not re-open my claim. During that phone conversation I was also informed that I should've filed a police report. I had asked about that previously and was told it wasn't necessary. So, I filed a police report and requested that my claim be reopened, and again was told that it would be. Now, on XX/XX/XXXX, I called for another update and was AGAIN told that they FAILED to reopen my claim. I have requested my claim to be reopened and for a third time requested copies of any documentation that they used to support their decision. in addition, all of my requests to speak to the Investigations Department have been denied.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In XXXX XXXX Capital On Auto finance applied the car payment to the wrong account then reported it to the Credit Bureau that it was late. In XXXX of XXXX the reversed the payment back to the correct auto loan. 
In XXXX they again put the loan payment in the wrong account. 
It is now XXXX of XXXX we have been trying to get this cleared up and get an accurate accounting. It has been reported 4 times for late payments to the Credit Bureaus since we noticed the error in XX/XX/XXXX. 
XX/XX/XXXX the vehicle XXXX XXXX was totalled. We are now withholding payment of the totalled vehicle from the insurance company until this has all been resolved and reported correctly. 
We are being held XXXX on financing another vehicle. 
We have contacted Capital One they have taken notes on the accounts but nothing has been done and we continue to get the runaround.
Consumer complaint received 2021-06-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I refinanced our mortgage through the Money Source ( Loan # XXXX ) in XXXX of last year. Just after closing I received a notice from the county tax assessor ( XXXX, CA ) that our property taxes were overdue. I contacted The Money Source and they paid the taxes but did not make an adjustment to my escrow account. It seems they did not anticipate making that payment which should have been part of closing. 
A year later they are telling me that I'm short {$6300.00} in my escrow account. They have never once notified me about the issue. The only notice I received from them ( XX/XX/2021 ), was an email that stated an escrow audit had been conducted on my account and that " I may have a refund ''. I did not. ( See Attachments ) I have called the Money Source several times to get to the bottom of the issue to find out what they intended to do about it and what caused this issue but they don't seem to have any answers that pass the straight face test. They keep focusing in on my XXXX veteran 's deduction which would leave me a surplus or a refund if they were overpaying. I called and confirmed with the county assessor that there were no overpayments on my account. The Money Source to this point seems unable or unwilling to tell me what's going on. They have not even apologized! They are just going to start charging me an extra {$600.00} per month for a year to make up for it. In what world is this okay? I'm a XXXX vet with a VA loan. This shouldn't be happening period. 
This issue should have been handled in the closing of my loan and is now essentially an undisclosed closing cost charged a year after the fact. The additional concern is that these folks don't seem to know what they are doing. 

Also, I receive relentless sales calls from this company trying to get me to refinance again. I have asked them several times to stop and have blocked several numbers. This proves they have my phone number but can only seem to use it when they want to up sale me but not when there is something I may need to know like a {$600.00} per month increase to my mortgage. 

Please Help! 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-20
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. (TX)

Equifax and removing comments from a dispute : I asked that the comments from a dispute on my credit report be removed. I was assured by the agent that my request was documented and was given a confirmation number ( XXXX ). I requested the comments be removed from all 5 accounts I had open. This was requested on XXXX. I was told it could take up to 30 days to update and I would receive an email confirmation once complete. I questioned if this could be expedited like a request I made on XX/XX/19. That request was processed that day. The agent continued to tell me it could take 30 days. I accepted that response. 3 days later I called back for an update. The agent again stated that he would check on it and again assured me the issue was resolved and I would receive a confirmation email shortly. The phone conversation ended and I check my Equifax account ( I pay a {$20.00} fee per month for their premium service they offer ) and find there was a new dispute investigation request. I was calling for an update on the confirmation number I was given and not to open a new one. I called back to another number I found online ( XXXX ) and talked to a Executive Customer Service rep. He verified my identification by instructing me to open a dispute online to dispute the DOB in my personal file. He told to just update it to the same DOB already listed. He said the reason for this is to update the account as there were no comments in any of the disputes but it still was showing as " under investigation ''. He had me upload my drivers license and social security card to the dispute and then assure me it was complete. I then checked my Equifax account and the account that was opened in error was gone and the request filed on XXXX showed complete. The comments are still appearing.
Consumer complaint received 2021-04-19
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. (MD)

I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

My name is XXXX XXXX XXXX # XXXX XXXX XXXX. Husband of XXXX XXXX. 


On XX/XX/2020, my wife XXXX XXXX has rupture XXXX went into hospital she in hospital until now. She have her US Bank debit card in wallet, her childrens stole her debit card and transfer all XXXX money to there account. I did filed a report to XXXX Police Department, and I ask my wife does not giver permission to anybody to use it. 

USbank. Customer ID XXXX File with XXXX XXXX XXXX # XXXX Police report and case # XXXX. XXXX name : XXXX XXXX # XXXX XXXX Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX. XXXX XXXX ). XXXX XXXX XXXX XXXX the one help my wife to file unemployment insurance benefit and setup US bank card fro XXXX. XXXX daughter Inlaw all the access to her identity. I have US Bank card statement that the transfer to there account.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (CO)

To Whom It May Concern : I applied the refinance rate on my original home mortgage through Interfist Mortgage Company. Throughout the entire process, Interfirst Mortgage company misled me that my loan was approved, thus, I was forced to order the appraisal on my house for the amount of {$620.00}. Later on, my loan was denied and I had to pay out of my pocket for the appraisal fees. I have tried to contact XXXXnterfirst to resolve this issue internally many times through emails and voicemail but they ignored my email and my voice mail. My loan was denied due to lenghth of my employment, they should have known from the begin of the process that my loan was not approved due to my employment ( I start the new job ) because of COVID but they didn't say anything, they made me to go through the entire process until the last minutes and denied my loan although I had a good credit history. I had proof that they misled me to order the appraisal. Can you please publish this so other would not have to be on my situation. 

Thanks, XXXX
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NM)

Hi, I am writing because a fraudulent account was opened in my name in XXXX  and sold to a debt collection agency on XX/XX/XXXX XXXX the person who did this seems to have bought something, paid some of it off, and then let the remainder go to collections in the amount of XXXX dollars. There were many accounts and lines of credit where they used the same tactic. I have worked diligently to report to the police, the FTC, and to the credit unions over the past 6 years. 
This fraudulent account is affecting my ability to get a loan to buy a car. I am requesting again that this fraudulent debt be removed from my name. Thank you for your help.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XX/XX/2021 I sent a debt validation letter to IC Systems. The letter was received by their office XX/XX/2021 via certified mail. 

I did not receive a response within 30 days ( Post Marked XX/XX/2021 ). 

XX/XX/2021 I sent a default letter to IC systems. The letter was received by their office XX/XX/XXXX via certified mail. 

I have not received a response with the 7 days indicated on the XX/XX/XXXX, letter ( Post Marked XX/XX/2021 ). 

IC Systems continues to report false and erroneous information to the three major credit bureaus while choosing to refuse validation of the alleged debt.
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

I keep receiving robocalls from this number : XXXX XXXX XXXX XXXX. It is Harris & Harris, a debt collection company. I called this company two months ago and told them I owed nothing and they had the wrong phone number. Harris & Harris said that it didn't show that I owed anything and that it would make sure that the calls would stop. I continue to receive robocalls from the above phone number. I don't know what to do. I think this is a scam caller and may not even be Harris & Harris.