davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I opened a BinanceXXXX account on XX/XX/2021. I funded it by transferring cash multiple times from my bank account and transferring XXXX from my XXXX account. The total assets I have invested total approximately {$14000.00}, and are worth {$48000.00} at the time I am writing this. 
Over the next month I sold all of my XXXX and XXXX and bought the Binance XXXX XXXX. 
On XX/XX/2021, I transferred an additional {$1000.00} from my bank account to my BinanceXXXX account successfully, but when I tried to purchase more XXXX I received a message that my trading was disabled. There was no explanation. 
There is no way to contact BinanceXXXX, other than the online ticket function, so I immediately submitted a ticket, and received a reply saying it was received. Since then I have never been contacted by BinanceXXXX, other than a few emails telling me to wait longer. It has been over nine weeks now, and they are holding my funds without allowing me to access them, and refuse to contact me to help remediate whatever problem there is. 
I submitted additional requests to them for assistance on XX/XX/XXXX, and XX/XX/XXXX. 
I have also filed a complaint with the XXXX XXXX XXXX and the XXXX The XXXX tried to contact BinanceXXXX twice but BinanceXXXX did not respond to them either. The XXXX replied and said BinanceXXXX is not registered with the XXXX  and referred me to the FTC and the CFPB. 
I am now considering legal action but really just want my ability to trade restored so I can sell my XXXX and close my Binance Account.
Consumer complaint received 2017-12-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (DC)

On XXXX XXXX, XXXX, I initiated a lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. As part of the acquistion process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XXXX of XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX I had to request a change in the title to reflect the new address. When XXXX processed the change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX  residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. HFA has taken this 10 % each month with my automatic payment, which no has my account in a past due status. 

I have spoken with both the XXXX XXXX and the XXXX XXXX. of Taxation and Fianance and clearly this tax does n't apply when tax was paid in another jurisdiction. I have provided HFA with the following information from the District : XXXX Sales and Use Tax Monthly Return Booklet Imposition of use tax A use tax is imposed on the use, storage, or consumption of taxable tangible personal property and services in the XXXX, unless the purchaser has paid a sales tax on the purchase of the taxable tangible personal property or service to the District, or another tax jurisdiction in the United States ( US ) or to a US territory. A retailer that did not resell goods purchased under a resale certificate is liable for use tax for those goods used as complimentary gifts. For additional information see XXXX XXXX XXXX et seq. 

From the same booklet, XXXX is citing the following : Imposition of sales tax A person engaging in business in the XXXX must collect sales tax from the purchaser on : 1. Sales of tangible personal property delivered to a customer in the XXXX ; 2. Services listed in XXXX  Official Code 47-2001 ( n ) ( 1 ) ; 3. Renting or leasing tangible personal property used in the XXXX ; 4.  Charges for rooms, lodging or accommodations located in the XXXX that are furnished to transients ; 5.  Admissions to certain public events in the XXXX ; and 6. Charges for parking, storing or keeping motor vehicles or trailers in the XXXX. 

The disconnect : I was n't a purchaser : I already had possession of the vehicle and had paid tax on it. 

Account status : Past Due : {$470.00} Total Fees Due : {$23.00} Total Amount Due : {$490.00}
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I bank at XXXX Bank. My checking account was erroneously debited twice by my mobile phone company and when I realized the error, it was too late to stop the second charge so I was given a credit. In the meantime, because of the second charge ( which was {$510.00} ) my account went into overdraft and I was debited {$370.00} in fees. 

I called the bank on XXXX/XXXX/XXXX. I was told that the overage was n't my fault and that I would be credited the {$370.00} but that {$180.00} was still pending and I would have to call the next day for resolution. 

When I called on XXXX I spoke to a different associate and was told that the rest of the money could not be refunded. Both the associate and the manager at the Resolution Office told me that either had no way of knowing who I spoke to or what was promised to me. 

I countered with, " you are a financial institution, I find it difficult to believe that your associates do not note resolution attempts on customer accounts. '' I work for a financial institution and in fact I write policies and procedures for a living so I told the manager that I wanted to escalate it further or I would have to file with the CFPB for excessive fees and gouging. 

He put me on hold. After five minutes he came back and said that he had spoken to the first associate and that she acknowledged I would receive a full credit. Of course he lied when he said he could n't research the resolution issue. This is an unfair practice designed to deny customers of their rights while overcharging their customers with exorbitant fees. 

I should n't have to fight to receive fair treatment. XXXX XXXX XXXX Bank.
Consumer complaint received 2021-07-14
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. (MD)

I have 5 missed/late payments on my student loans which is inaccurate! I have been deferring my loans every year on time since I have been out of school. I should not have any late payments at all. There is also some information that is reporting different on the different credit bureaus. My accounts are incorrect and reporting differently which is confusing and misleading
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (FL)

The company in question is XXXX XXXX of XXXX, OR. They hired Capital Credit & Collection of XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX with a phone number of ( XXXX ) XXXX as collector on my account. 

This company ( XXXX XXXX ) purported to provide XXXX page 1 ranking for my company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contracted to pay them $ XXXX/month for this service. I never received any ranking results nor communication from them after I started paying  them. 

After approximately 9 months of them taking out $ XXXX/month I asked them to stop all charges ( by telephone ). They said I was under a contractual obligation to continue. I told them I was getting no results and was very unhappy with the service. They refused to stop charging me or cancel my subscription. 

I continued to pay until my card expired, at which point they could no longer charge me. They said I still owed them. I argued they provided no tangible results nor proof they were doing anything for me. 

The final amount owed was {$75.00}. I ended up just paying the {$75.00} in XXXX of 2017 to close the account. However, my personal credit was negatively affected as a result of the collection effort they took upon me. It should never have attached to me personally as an individual as this was a company account. 

I believe they are continuing this practice with other unsuspecting people/companies. I also believe they do nothing to help increase ones ranking on XXXX as no reports were ever provided. 

This kind of practice needs to be stopped. 

Here is a link to XXXX where many people have said the same thing as I have and had similar bad experiences not being able to cancel their subscription. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

From XX/XX/XXXX I have been waiting on a background check for a new job therefore causing me to lose income for 2 months .I have made arrangements with Suntrust bank multiple times and being recorded. I made payment on XXXX and intend to make payment on XX/XX/XXXX, and on XX/XX/XXXX bringing the account current. Each of payments are XXXX have been called repeatedly for total amount of times totaling 22 times since may.Each time I have explained and given a time for each payment bringing this debt current.This has been nothing more than harassment, pressure and corrosion.
Consumer complaint received 2020-09-06
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: TD BANK US HOLDING COMPANY (TX)

XXXX delete 3 collection accounts that after an investigation dispute XXXX  and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX  to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me XXXX XXXX XXXX Account # XXXX Deleted XX/XX/2020 by XXXX  Td bank used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX  Account # XXXX Deleted on XX/XX/2020 by XXXX
Consumer complaint received 2022-09-15
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. (FL)

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a letter stating I owe a debt. I sent a dispute letter as the debt is not mine as i have no knowledge of the debt, I do not owe the debt or have any responsibility for it. In the letter I requested the following. XXXX. **Verification of the Debt** : Documentation confirming the debt 's validity and a detailed explanation as to why I am legally obligated to pay the current creditor. This should include a copy of any agreement I purportedly signed, agreeing to the terms of the debt. 
2. **Original Contract** : A copy of the original contract or agreement, including terms and conditions, applicable fees, interest rates, and any " wet '' ( original ) signatures. 
3. **Payment History** : A complete payment history for this account, including any payments made to the original creditor, to verify the accuracy of the amount claimed. 
4. **Itemized Account Information** : Detailed account statements from the last XXXX balance to the present, outlining all transactions, interest charges, late fees, or other charges that have been applied. 
5. **Proof of Ownership** : Documentation proving Portfolio Recovery Associates XXXX XXXX or legal acquisition of the debt, including the purchase agreement. 

they are making false statements, and request this issue to resolved.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NV)

I discovered XXXX inquiries on my credit report that were unfamiliar to me.

I contacted each financial institution and each informed me that they were not done by me.

Here is the list of each company that verified that it was not me that inquired for the credit cards. 

XXXX. Syncb-Amazon phone number XXXX XXXX. Synchrony-financial phone number XXXX XXXX. XXXX XXXX  phone number XXXX
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-29
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Consumer complaint received 2022-10-10
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: Freedom Mortgage Company (TX)

Freedom Mortgage. XXXX Payment made on the XXXX. They didn't post till XX/XX/XXXX. XXXX. Contacted them to dispute. No success. 

In accordance to the Fair Credit Reporting act Freedom Mortgage has violated my rights. 
Under 15 USC 1681 Section 602 states I have the rights to privacy.

Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor can not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX account XXXX This scam ruined our lives. After this much time dealing with the fallout including severe XXXX, I am able to see things more rationally. 

I am a professional with a family. I am XXXX XXXX XXXX. I am not stupid enough to walk into places like this and hand over a credit card to them, I am well aware of unscrupulous places like this. 

This was a failure of AMEX security measures and a willingness of this company to do business with criminals. 

These charges are fraud and AMEX has done absolutely nothing to protect their cardholder and has paid off organized crime. 

Period.
Consumer complaint received 2020-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

On XX/XX/2018, I had to have emergency XXXX taken at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. The hospital agent was XXXX XXXX. 

After this, I did not receive a bill for this service or any request for payment. 

While checking my Credit Report I noticed there is a collection for {$1400.00} from XXXX XXXX XXXX. After asking them several times to provide the original invoice for the service they are collecting, they sent a confusing ledger. ( attached ) To date I dont have the original itemized invoice. 

The bill seems to originate from XXXX XXXX XXXX XXXX at XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX LA XXXX BILLING NPI : XXXX in network. 

The collection company argues that XXXX XXXX XXXX or her administrative company XXXX XXXX, ( XXXX XXXX, XXXX XXXX XXXX ) did not have my insurance information until after the time to file the claim expired, which is impossible since I presented my information at the time of services. The hospital agent was XXXX XXXX. ( attached form ) Furthermore, their own Patient Portal has me as covered with them by XXXX XXXX from XX/XX/2018 ( attached ) XXXX XXXX received and processed three claims originating from this event. Claim XXXX, Claim XXXX and Claim XXXX. 

There is not a denied claim from the provider you represent. ( attached email from XXXX XXXX ) I have paid the patients portion of the only claims they processed. 
I believe this is an administrative failure on your part and XXXX XXXX and I should not be penalized for this failure by sending the account to the credit bureau and charging more than what my insurance would have allowed.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (KY)

XXXX changed my cell phone account from a pay as you go account to a contract account without my permission. When I stopped using the phone as a result of this they sent me to collections with ERC. I settled this debt with ERC 3 years ago, but have been told by my banker that it is still showing up as an unpaid debt on my credit report.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (FL)

XXXX XXXX ( XXXX XXXX ( Direct ) ) has contacted me several times and I have repeatedly told her that I am having health issues and have next to no income due to my health. I also told her that I was attempting to work with the original creditor. She became verbally abusive in her language in an attempt to bully me into a payment arrangement in a way that made me believe that she would make it XXXX XXXXXXXX for me if I did not make any arrangement. 

I did make one payment about a month ago, following it up with an email saying that I never want to be contacted by this woman again moving forward. Today I get a payment reminder from her. 

I have told her and that company about this and still she contacts me.
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.