davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MI)

I sent a wire transfer from my bank to Binance U.S. on XX/XX/2021 for the amount of {$600.00}. It was never processed, then it 'expired ' and no money was put into my Binance account, AND the money was never returned to my bank. 

IT IS LOST Here is the information I have ... 


Entered Date XX/XX/2021 XXXX XXXX XXXX XXXX Effective Date XX/XX/2021 Receiving Financial Institution XXXX XXXX XXXX Beneficiary Information XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Beneficiary Reference XXXX
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have both a BoA cash and XXXX XXXXredit card. In the summer going into the fall of 2018, I was reported 30 days late on a XXXX XXXX XXXX XXXX During that time I had two immediate family members pass away within weeks of each other. Because this was unexpected and they were relatively young, there wasnt an insurance policy for burial. The burial expenses fell directly on me and my sister. Shortly after the second funeral, I became sick, spent three weeks in the hospital and was unable to work. All of this during a short time period caused me to fall pretty far. Between both of credit cards with BoA, I was only reported 30 days late once in the 5 years Ive had the account. There were so many things out of my control during that time that caused me to go past due. I attached what is showing on my credit report.
Consumer complaint received 2017-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is my third complaint against Bank of America. The first is numbered : XXXX and the second is numbered : XXXX. I am submitting a third complaint because my original issue fails to be addressed appropriately or sufficiently. I have expressed this to the Bank of America XXXX representative, XXXX XXXX XXXX. He called me on XX/XX/XXXX and proceeded to get very argumentative and to deny what he stated to me over the phone, splitting hairs to defend Bank of America and refusing to acknowledge the bank 's lending age discrimination tactics. I then stated to him that these tactics span an entire year. He apparently did n't realize I had a second experience this year with a BofA loan officer. However, I did state this repeatedly in my communications to Bank of America and XXXX XXXX 's lack of knowledge of this information means he is and was not paying attention and not reading my communications I also stated the same information to a XXXX XXXX XXXX who also did not process this information and did not respond to me in a way that indicated he was including the two incidents of age discrimination which I clearly stated to him. This entire debauchery, from the incidents with the two loan officers and the two men, XXXX XXXX and XXXX XXXX, who allegedly investigated my claims, means that no one is taking what I am saying with any weight or seriousness and are not taking the time to pay attention and investigate EVERYTHING. They are leaving certain facts out, I want a new investigation to include the second attempt I made THIS YEAR to refinance, and for which I was refused with a 3-5 minute phone call. I again was advised by XXXX XXXX that there are other programs for which I could have applied but which was not told to me either last year by XXXX XXXX or this year by the second loan officer. That second attempt this year was made on XX/XX/XXXX at approximately XXXX EST.
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (NH)

In XXXX of XXXX, I have a retail loan through Wells Fargo for a hot water heater through XXXX XXXX. The deal is 61 months no interest with a minimum payment. Upon starting the process in XXXX, the monthly amount was {$85.00}. There were significant issues last month with an erroneous payment and since then they have done nothing right. This month, I go to pay my loan and the minimum payment is now {$120.00} with no reason given and no warning and no documentation as to why the change. I've always paid more than the minimum for this loan and I am ahead on payments. There is no reason for this. They have breached the original agreement on this loan. I asked that they fix it and they never got back to me.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (MD)

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Consumer complaint received 2019-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an XXXX. ( Please see pages 8, 9, and 10 of the attached credit report. ) This account reports a  {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ORG GC GP BUYER, LLC (IL)

a debt collector is calling my work place everyday constantly and is calling my parents home where I do not live and is in another state. The debtor collector has left numerous messages at my work place and has left my mother and father XXXX messages on their machine.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I received an alert stating my overall debt increased by {$81000.00}. I checked and found out that Equifax is the only one reporting an " additional '' student loan from XXXX XXXX XXXX for {$81000.00}. It just appeared out of no where. The information is a match to an XXXX student loan that should have been deleted due to bankruptcy. They are showing BOTH on my credit and I now have student loan debt of almost 200k. I called them and no one could provide me with a valid number for XXXX XXXX. I called XXXX XXXX and they don't have a number and so here I am with almost 100k of new debt and no one can give me answers. I called XXXX  and they are upset about me including them in the bankruptcy and Equifax will not remove them from my credit even though they have the bankruptcy papers. This new debt appears to be a replica of the other loan ... just under a new name 1. Both opened XX/XX/XXXX 2. both high balances of XXXX But the notes are different. On this unidentified XXXX XXXX XXXX it states : Consumer disputes after resolution Student loan - payment deferred Fixed rate Student loan - payment deferred Account in forbearance How? I have never disputed to have a resolution after the dispute and the payment isn't deferred. My XXXX loan is in forbearance until my lawyer can have a judge make them remove it based on the Federal Courts Judgement. The notes on the XXXX loan are : Student loan - payment deferred Account in forbearance My issue is Equifax ALWAYS reports INCORRECT, DUPLICATE or DELETED information on your credit report and when you call them to point out their error ... .they make you do a 30 day dispute for their error and something that shouldn't be on your credit anyway. Last time they ( Equifax ) put  items from a 12 yr bankruptcy back on my current credit report due to a misunderstanding on their end of documentation I sent in. It is unnecessary stress, disrupts your life, ruins plans, wastes your time and messes with your credit score ... all due to their mistakes or employee mistakes. It isn't fair to me. This is their 4th time just putting incorrect information on my credit report. I have also asked them to delete the notes off my XXXX loan and they continue to lie and say it is done. They need to delete this and the XXXX XXXX XXXX account immediately. That isn't my account. I have attached my credit report and supporting documents for this complaint.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (FL)

XXXX XXXX rented or leased me a storage unit that leaked water during rain. 

When discovered, I moved out of unit. 

XXXX XXXX notified me that I still owed {$140.00} for being in leaking unit ( 2 ) days of the following month. 

The debt was turned over to a collection agency named, AlliesInterstate, LLC. 

Upon contact with this agency, I was offered a {$70.00} payment to settle the {$140.00} claim and I accepted and paid by credit card. 

Upon renting another unit at XXXX XXXX, I was required to pay the remaining {$70.00} of the {$140.00}. 

AlliesInterstate lies to me and misled me as to the settlement terms.
Consumer complaint received 2021-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I have had my mortgage with Loan Care LLC and over the past year I have had increasing issues accessing my account. First, their mobile application stopped functioning. At that point I was still able to access their website for account information. Their website now no longer functions. I have been unable to access my account or verify my payments for 6 months. I have had to call the 1-800 number, wait on hold for up to an hour, and have a representative access my account manually. Today when I attempted to call in, their 1-800 number no longer functions. When I attempt to use the automated system, it gets stuck in a loop and will not allow me to speak with a representative. I have no way to access my account to ensure this company is managing my mortgage appropriately.
Consumer complaint received 2022-12-03
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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. (GA)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance ; {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-10-28
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: CREDIT ACCEPTANCE CORPORATION (IL)

In or around XXXX of XXXX I lost my job due to Covid 19. I started to fall short on funds so I contacted a representative from Credit Acceptances customer service department and told them about my job loss and falling hard on funds and they instructed me to jus pay as I could and they wouldnt be sending anyone out to repossess the car nor would it effect my credit profile. Months later Im caught up on all payments put have 7 late payments on my credit report. Ive contacted then several times even tried disputing through the credit bureaus and its still reporting on my credit and Im not really getting a clear response from credit acceptance as to why. Ive even recently sent goodwill letters to the company asking them to forgive me for my late payments and Im still awaiting a response. This is the only thing effecting my credit profile and holding me back from purchasing my home in XXXX. Even with this issue I still would recommend this company to others as it is a great way to build credit with an auto loan. Im hoping we can get this matter resolved promptly.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (DC)

On XX/XX/2018, I reviewed my credit report and noticed a new collection account on my report. I contacted the company, Credence  Resource Mgmt, that was listed as the company that placed the collection on my credit report. I called the company, asked about the account they placed in collection, and they referred to an account that was over 7 years old and has already been removed from my credit report, but this company reported  it as a new debt. The company does not even own this so called debt and said they are collecting the debt on behalf of XXXX XXXX XXXX for wireless services.
Consumer complaint received 2018-08-22
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. (TN)

Checked my XXXX XXXX and looked at my hard inquiries and saw one from XXXX XXXX/XXXX that happened on XX/XX/2018 and i never applied for anything or did anything with my credit so i think someone might be trying to use my SS number
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 9,000 USD utilizing OneWest Bank, services
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 6,0000 USD utilizing U.S. Bancorp services.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 15 U.S.C 1681 section 602 A. State
s 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2021-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a Bank of America customer for decades. It is my main account. I was laid-off recently and am unemployed and trying to start a XXXX. Id like to be a XXXX XXXX, but I believe Bank of America repeatedly and maliciously sought to structure and time transactions in order to charge me larger and larger fee amounts. These amounted to hundreds of dollars and put my account negative, whereas without the fees I dont think I would have a negative account balance. I called customer service in an attempt for leniency, but was denied outright. I think the representatives are paid in order to deny requests. It is very disappointing that this type of company was selected as the service provider for EDD.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (GA)

Equifax is reporting incorrectly a charge-off for the XXXX partial account number XXXX. This account was included in the bankruptcy and should be reporting a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. This account either needs to be taken out of charge-off status and report a {$0.00} balance and {$0.00} past due, or be removed completely from my credit report.
Consumer complaint received 2021-10-28
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: Early Warning Services, LLC (NY)

XX/XX/2021 XXXX dollars XXXX dollars XXXX dollars the bank is working on the investigation and they might reimburse the money to my account I sent money to zelle and my account is linked with my bank card and this was from XXXX some one said congratulations you are winning XXXX dollars and I will give you this money but then he said you g he ave to pay these certain fees to my account officer XXXX XXXX and XXXX total of XXXX I made these payments threw zelle and I never got XXXX but the guy blocked me off XXXX I asked him once to return back the money he never responded
Consumer complaint received 2015-10-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (TX)

I took out a loan with XXXX XXXX in XXXX 2013 for {$5000.00}. It was sold to Cash Call for servicing immediately and then to XXXX XXXX. It is now back to Cash Call. There are multiple lawsuits in progress right now against them and I offered to pay back the principal of what I owed to take care of the loan. To date, I have paid {$3800.00} and they say my principal is still {$4300.00}. How can I make payments for over 2 years and only take {$700.00} off the principal? I made an offer to pay them {$1100.00} and change to pay back the original {$5000.00} but they said they would only accept an offer of 80 % of the principal remaining so the best offer would be an additional {$3400.00} which would give me an effective interest rate of around 30 %. I understand that I am lucky in that some consumers have paid back more than double what they borrowed but I still believe 30 % is too high.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX