davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

I have been using Binance US to trade cryptocurrencies without any problem for the last 4 montths. However, I just deposited XXXX XXXX USD into my Binance US account to trade cryptocurrency a few days agoo. When I tried to trade in the spot market 2 days ago, it says " order failed : trading disabled. '' I tried at least 10 more times in the next 24 hours, it says exactly the same thing. I tried to withdraw my crypto from the Binance US account and it says withdrawal suspended due to risk management. I was never notified in any way that my Binance US account has any problem. I was never notified by any Binance US personnel that my account trading and withdrawal would be suspended. I have searched on XXXX and found that others have been having the same problems and could not resolve the problem for 3 months. I reached out to Binance US via support email 2 days ago without any replies. Subsequently, I have sent 4 more emails without any replies. I have a total of more than XXXX XXXX USD in the Binance US account and I can not do anything with it. The market has been moving significantly and I can not trade or withdraw. With a lot of assets stuck in a frozen account and market moving significantly, with no one to help. It is extremely frustrating!!! I need someone to tell me at least what is happening to my account and if there was a mistake in disabling my trading with withdrawal.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

XXXX XXXX have reported this account to my credit report and it violates my rights to privacy usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.That being stated this violates FCRA laws and consumer rights so I request CFPB to remove this account and block it from reporting
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i am back to normal making regular payments on my car but because of the past 2 years of XXXX that many people such as myself are going thru, i am not able to catch up so my credit can be worked on properly. this affects my family and my future and bank of America does not care about the people and how this pandemic has affected their customers.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I was scammed by a woman who was renting me an apartment. She asked for {$1700.00} ( XX/XX/2022 ) over Zelle for the security deposit which I paid under the circumstances that this was a legitimate apartment. She refused to show me/tour the apartment and told me I could submit a document to get my funds back. She asked for more money and I said no if I cant see the apartment.I did submit this document and have emails from her starting under the circumstances I would get the money back. I have not received the money. I contacted Zelle because my bank couldn't dispute it. They refused to make an exception as I have a paper trail of this woman telling me I would get my money back, and because I was under the impression she was a reliable person until she scammed me. I have texted and emailed everyday and she has not responded. They told me that there was nothing that they could do despite the circumstances, and I was at fault for authorizing the payment.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Last XX/XX/XXXX, a company conducted a hard inquiry on my account. I've never heard of or had any dealings with this company. I reached out to XXXX and went through their fraud department to have it removed, and I also froze my account. 

In addition, I filed a report with my local police department. Upon calling the number listed on my credit file, I found that it was disconnected ( see attached ). 

There was a name, XXXX XXXX, associated with the XXXX inquiry, but my research on this lead reached a dead end. Upon reviewing my credit report again, I noticed that the same company made another hard inquiry on XX/XX/XXXX. I contacted XXXX again and filed an additional fraud case. They advised me to report the incident to ftc.gov and file another police report. 

XXXX is puzzled as to how a hard inquiry was possible despite my account freeze for the past year. 

I am uncertain about this company 's intentions, but their repeated hard inquiries on my credit report suggest they may be deliberately trying to damage my credit score.
Consumer complaint received 2021-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

As we have expressed to US Bank numerous times, we were having mortgage troubles that started from a principal amount error, that in the beginning, we hopelessly tried to resolve with them via telephone, but it was like we were using the wrong words or speaking another language when speaking with them ; and they would never give us a name of a person ( s ) in a specific department who could help us. 

Then the housing crisis started, and all of our attention had to be focused on trying to remain in our home as US Bank denied loan modification applications, grossly inflated late fees and tried to use default tactics to foreclose on our mortgage. 

So again early XXXX we went back to working on our principal amount error to learn that the matter was worse than we thought, because we learned that we are victims of loan flipping and mortgage fraud ; and with the help of CFPB as US Bank have sent paperwork trying to prove that we signed for a loan, that we did not sign, somehow we are still waiting for the money facts. 

A third fictitious loan in XXXX that we did not want, and did not sign is for {$130000.00} and claims that we received {$16000.00}. We did not receive it, so it is criminal that we have to pay for money that we did not receive, and the {$8900.00} that goes with it. 

Prove that we received this money. We want copies of the cancelled check and every piece of information surrounding that bank deposit and check being cashed. Strangely our paperwork shows that US Bank was working in concert with XXXX XXXX. 

So if US Bank has copies of the XXXX paperwork, they definitely have copies of the cancelled check, and all the information about what happened to the money ... correct? 

Please send money facts only right away, or please deduct the amount of this third fictitious loan from our principal balance. 

Thank you.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates (MI)

This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 



This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account. 



Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist. 



Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 



his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately. 



Best Regards,
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (VA)

I have paid XXXX XXXX XXXX to settle a debt from Navy Federal credit union. The last payment was made on XX/XX/21, after several attempts to contact and verification that the settlement has occurred, I have not received a letter stating this and XXXX XXXX has not been notified. I keep getting the same promises to update but nothing has happened and my credit score is affected.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (TX)

I never opened this account I am reporting it as fraud self keeps saying I opened it I never check my credit report so this isnt so recent I want this removed immediately. Anything that is reported as fraud needs to be removed from my consumer report.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CO)

Discount Tire displays promotional financing on their direct web page through Synchrony Bank. The ad promotes 6,9,12 months interest free. The interest free feature is what compelled me to apply for the account. Being a XXXX XXXX I naturally track my credit which is in excellent condition with top tier XXXX  scores.When the card came in the mail with the legal terms & conditions I was confused that the offer provided to me was just 6 months with an APR of 29.99 %. It took some time to find the contact number for them which I never located on the paperwork they mailed with the card. After locating it on the home page I spoke to a rep. I explained that I had {$2500.00} in merchandise currently on order with my local Discount Tire store. I let them know I had applied for & wanted the 12, not the 6 month no interest offer shown. I also expressed my concern for the high APR & asked if that could be re-negotiated based on my credit profile. Without any clear answers, direction or resolution provided from the call attempt ; I had them cancel the account under concerns that it has questionable predatory pricing with no transparency to it's terms & conditions. The best they could offer was once I start spending on the card they can provide the no intrest term lenght & no comments on the APR it is based off of.
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XXXX at XXXX XXXX I spoke to XXXX to let him know my payment online had processed from wrong bank account. This was the second time and I changed account # s but it keeps defaulting to old account. My payment is always made before due date and I dont know to fix. He said it was my fault not theirs and hung up on me. He did not help me process a new payment or help resolve the two returned check fees I would be charged. Spoke to supervisor XXXX who told me the first {$25.00} return check fee had already been paid- possibly from the last principal payment I made. I asked him to reverse but said it was not possible to submit research request.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.The Contracts need to be thoroughly reinvestigated and deleted due to inaccurate and unfair deceptive card practices and incorrect information reported on my credit report.
Consumer complaint received 2022-09-24
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  XXXX Balance {$920.00}, XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation
Consumer complaint received 2021-12-13
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: CITIBANK, N.A. (AL)

On XX/XX/21 made online purchase {$41.00}. When products not received disputed charge. Shortly afterwards product received and cancelled the dispute. Citi card adjusted accordingly, however my account was charged twice for {$41.00} as per XXXX statement for {$83.00}. Through numerous telephone calls and written communication I am unable to get anyone to understand this problem. The telephone conversation are dropped or very difficult to understand as the dispute personal are in a remote location based on a island in the XXXX. Inaddition to this problem the credit card company makes payments from my auto pay which are not constant with my original plan. For example my account autopay XX/XX/21 was {$35.00} but my original plan was to pay entire balance. In short I am overcharged {$41.00} by the processing of my statement by Citi Bank and not by the merchant. This is the problem I am having partly due to a foreign language barrier.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I have had a mortgage on my house for over 20 years, and have always paid faithfully each month to Chase Bank which succeeded to my mortgage after the XXXX  financial crisis. I have never had an escrow account. I pay my own real estate taxes. I always paid $ XXXX, and my XXXX XXXX XXXX monthly bill was for this amount, {$940.00}. Then all of a sudden, I received a new bill from Chase saying they had reviewed my " escrow account '', which I never had, and increasing the monthly bill to {$1700.00}. They said they were doing this because they were paying my real estate taxes, which I did not know. This past summer, Chase contacted me and said I had missed a real estate tax payment to my Town. I called my town and they said I had not missed any payments and I was current on my real estate taxes. I called Chase several times and spoke with them, so there is a record at Chase for what I am now saying, and they agreed they had made an error, and that I was up to date on my real estate taxes. So what has just happened is a total surprise to me, and I had no notice of what Chase was doing.
Consumer complaint received 2021-12-13
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

THE PROBLEM : Neither XXXX XXXX nor Capital One will correctly report my payments to all three credit bureaus.. 

For two years now and to date, I have been working with Cambridge Credit Counseling ServiceXXXX to pay off loans with XXXX XXXX and Capital One. Proof attached. Cambridge is unable to get them to correct the reporting, so I am coming to you for help so my credit score will improve, and I'll be able to move ahead with my plans to enter real estate investing with an excellent credit score for better interest and approval rates. I've tried on my own to work with all three credit bureaus, no success. Can you help? Thank you.
Consumer complaint received 2021-12-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MI)

Greetings, Fedloan account numberXXXX XXXX XXXX You may want to review a closed file/complaint fromXX/XX/XXXX I've had my student loan debt IN the Public Service Forgiveness Loan Program for 15 plus yars. Of course PHEAA and it's subsidiaries can'at find my records. 
The latest is I was required to recertify my income contingency repayment plan in XX/XX/2021... their result/decision is that I must now pay XXXX $ plus change per month. 
This is a contract violation and I don't care how they want to reword it. 
The purpose of the PSFL is for me to give service in leiu of monies.

This new requirement is a violation of my PSFL contract. I think, no, I KNOW I want to be a party to any group that sues PHEAA/FedLoan and any/all other entities, subcontractors, child corporation of the parent corporation of pheaa/fedloan for breakingtheir contract with me. 
IF they had demanded a XXXX $ /month payment almost 30 years ago, this debt would have been paid off. As if their history, once you make this payment, they begin to torque the monthly payment up " at whim ''. 
I'm too poor, old and ill to make this kind of a monthly payment. 
Please intercede for so many that give their time and energy into the PSFL and now are illegally demanded to provide monies as well. 

Thank You in Advance, XXXX XXXX XXXX