davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (FL)

XX/XX/2021 Its been weeks and months and Ive gotten no response from Binance.US. I have over $ XXXX in my portfolio and I am unable to withdrawal to my bank or send to another crypto wallet. Please upvote to get my ticket responded to ASAP. 
I tried a small test transaction to whitelist approved wallet address as well as my bank account ( same account I used to deposit all funds ). I have had a Binance.US account for over a year. I am still getting the same withdrawals suspended due to risk management. I have had my past tickets closed for trying to get help on what additional info they need from me to mitigate risk and no response. 


Latest ticket number is # XXXX Update XX/XX/2021 Funds just shy of XXXX now I had two people from Binance.US respond to my ticket asking for XXXX material. I responded immediately with all the same/matching material and info as I signed up with. That was a week ago. I followed up to that email today and still no answer. 
The most helpful info I received was to reach out to my states Division of Securities to have them write a letter to Binance.US. A user here did that and received their funds along with Binance.USs attorney asking them to keep the situation hush. Its sad but I guess the only pressure they respond to is legal action.
Consumer complaint received 2016-06-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (CA)

I received a payday loan from speedy cash for {$2600.00}. I started paying monthly but realized the interest was out of hand. I got the loan consolidated and payed the outside lender. I signed a cease and dissist letter so speedy cash would stop contacting me. They continued to contact me and put a collections out for me although I payed the entire loan off through the outside lender. I contacted speedy cash and they informed me that the collections would n't go on my credit report and that was false. I would like that collection taken off of my credit report. The entire loan was paid off before they started contacting me through phone calls.
Consumer complaint received 2022-02-14
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-04-15
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)

you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing
Consumer complaint received 2022-02-14
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. (NC)

I asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX XXXX my account was hacked and all but XXXX cents was takin from my account Bank of America has denied my claim twice and are being very unprofessional with my claim and or calls it is now XXXX and they still have yet to return my funds to me or send me a new card there have been transactions goin thru my bank I am not making and the Bank will not assist me nor help in anyway because they believe Im authorizing these things
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc. (MO)

received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XXXX @ XXXX XXXX. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. Thank you.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Contacted mortgage servicer XX/XX/2023 to request escrow shortage be amortized over 72 months because my monthly mortgage payment has increased sustainably. The taxes and Hazard Insurance increased because of the economy. Was informed by customer service that she would not submit request, because of servicer losing funds assisting homeowners. Conversation was recorded.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (KY)

XXXX XXXX I received a call about fraudulent activity on my checking account at which it was discovered that XXXX had been wired out of our savings account. They were suppose to report that and close the accounts which he did not. I got an email about another attempt to wire another XXXX out of our account. I called customer service to repot that and stop it and they put a block on our accounts and reported the fraud again. We went to our local branch to open new accts. We were had issues and I called customer service and they said our original accounts had not been closed so we had to go back close everything again and open new accounts again. 
At this time we have heard nothing about our wire fraud. Hence today XX/XX/XXXX we find out by calling customer service that they denied our claim on XX/XX/XXXX. We have heard nothing from the bank or the wire fraud department at all about why.
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XX/XX/2022, I wrote Bank of America and requested information about an account they are reporting on my credit report which they failed to respond. I then sent another letter in XX/XX/2022 but they responded with only portions of the information requested. In XX/XX/2022, I was advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. And now they have still failed to comply. They did not send a Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established
Consumer complaint received 2021-08-23
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: I.C. System, Inc. (TX)

I have tried to dispute again this account of I C SYSTEM. I have sent multiple letters, but they have not fixed their issues. The reported dates are wrong, and the date opened are wrong.
Consumer complaint received 2021-06-14
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. (NY)

I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent all the credit reporting agencies an official statement on XX/XX/2021 letting them know these accounts were fraudulent and inaccurate, and they were supposed to block or remove after 4 days of receiving. to this day XX/XX/2021, these inaccurate accounts are still reporting on my credit report. I feel as If my consumer rights are being violated, and I hope the CFPB can remedy this situation. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2022-02-15
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. (NJ)

I sent XXXX, XXXX and Transunion letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, XXXX or Transunion consent to furnish this information which is a direct violation of my federally protected rights.
Consumer complaint received 2023-12-27
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-01
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. (TX)

XXXX  ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-06-14
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. (MD)

I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to Transunion, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer right, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card called IKEA Visa Credit Card issued by Comenity Bank and I receive {$15.00} reward certificates from the bank every time that much rewards are accumulated. These certificates can be redeemed at IKEA against the purchases made at the store or online. 

Few months ago, I received XXXX reward certificates of {$15.00} each, total {$30.00} in XXXX separate statements dated XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I went to IKEA store at XXXX, CA to redeem both the reward certificates and discovered that the statements could not be redeemed since the XXXXKEA point of sale system was getting error when the certificates were scanned. When the issues was borough to the attention of the IKEA store manager, she mentioned that they are experiencing an issue with Comenity Bank 's rewards system hence my rewards could not be redeemed at that point. The store manager asked me to contact Comenity Bank to resolve the issue.

I contacted Comenity Bank about this issue after a few days of my visit to IKEA. I called the bank as well as sent them a message from their website on XX/XX/2022 explaining the issue I am facing with redeeming the rewards. The bank responded with following message : " We implemented a system update due to which some functions are temporarily disrupted. We are temporarily unable to see some account information and help with certain things. '' The bank did not give me any definite date on which the issue with their system will be resolved. So, I waited patiently and contacted them again on XX/XX/2022 since I did not hear back from them in the mean time. The bank responded with following message : " We are still working to resolve the reward issue that is impacting your account. Once this issue has been corrected, your rewards will be updated accordingly. Unfortunately, there is no time frame regarding when this issue will be fixed. '' After this I waited patiently again and called the bank on XX/XX/2022. I was able to talk to a customer support representative who failed to resolve the issue after investigating it for approximately XXXX mins and disconnected the call abruptly. I called them again talked to another customer support representative for around XXXX who said he wants to reissue me the {$30.00} rewards but the system he is working on does not give him that option. When insisted that I want this problem to solved today, he them transferred my call to his supervisor. The supervisor never answered the call and my issue remained unresolved after almost 5 months. This is not the first time I have faced issue with the Comenity Bank service and their rewards system and I fear that they don't want to resolve my issue and take away my {$30.00} rewards.
Consumer complaint received 2024-03-08
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

I rented a home in XXXX Michigan and Landlord had XXXX XXXX already and had put this in my name without me knowing. I had paid the bill monthly with no issues. Equipment needed to be taken back and I was unaware of the bill being in my name it was included in my rent per my landlord. He told me that he would take care of everything when my lease was up and now I see this bill on my credit and in my name.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have written it all our and sent in a good format to the cc company Capital One. But, what happened is, I charged a reservation to the card on approx. XX/XX/19 for a XX/XX/19 reservation date. When I saw the charge on my stmt I didn't recognize it and there was no phone # to call the " XXXX '' charge. I called and asked C1 if they could tell me, they said no, you have to file a dispute and they will send the info in a few days. When I go it on approx. XX/XX/19, I freaked ... '' it was my charge '' and I wanted it. On XX/XX/19 I called C1 and they said they would " submit '' this to the fraud dept to correct. I called and emailed XXXX with the Res # that I wanted to keep the reservation, they said ok once you re-pay and I had C1 re-pay. Then on XX/XX/19 XXXX sent me an email and asked for a " letter from the cc company that I had withdrawn the dispute ''. I again called C1 who said they never have done that and don't have the abilities to do that but all should be fine as it was re-paid. I spoke with XXXX to inform them of this and they said ok. It was re-paid on XX/XX/19. Then 2 weeks later on XX/XX/19 I received a cancellation of the reservation by XXXX, who now had my money and as of this date the reservation date has not even come up, so it is not that I did not show up. Which is the only way they can state that I loose my money right? I was very stressed and alarmed and called C1 and told them all, they said they would remove the charge from my account but they had to send me a letter to request my documents in order to complete the credit. I took them two more phone calls from me and another 25 days to receive their letter with the instructions. On XX/XX/19 I faxed them 19 pages as I have all this proof and believing C1 would then re-cancel the payment. In the meantime I had to make another separate reservation costing me again but believing I would get a final credit. C1 called me today XX/XX/19 and said it is " AGAINST THEIR POLICY TO ENABLE A DISPUTE TWICE ... or was visa/master cards policy ... ( she wasn't sure just said that was their position ) ''. That, ( if even true is ridiculous ) any such policy was never told to me nor do I see any such " policy '' in any written terms. And for either of them to charge me for a " FUTURE '' RESERVATION DATE THAT THEY JUST TOOK MY MONEY THEN CANCELLED MUST BE ILLEGAL '' Or at least correctable at this point. I HOPE AND PRAY THIS CAN BE CORRECTED AS AN INVALID USEROUS AS WELL AS VERY UNHELPFUL ASSISTANCE BY BOTH COMPANIES AND THAT I CAN RECEIVE MY COST BACK.