davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (FL)

I called binance support because I needed to withdraw my funds into my ledger. ( Im not very tech savvy ). I couldnt login so I called support, the representative basically told me he would help transfer my coins into my ledger for me. Long story short, I gave him access to share my screen ( stupid move ), he transferred a few random coins into my ledger as I watched ( thinking he was transferring them from my binance account ), until after a few minutes my screen went black and he told me this will take a few minutes. While it went black, he transferred all my existing coins from my ledger out and left me with nothing then hung up and blocked me. He stole XXXX worth of crypto. I came to find out after doing some research that it was a scam phone number posing as binance customer service. I contacted XXXX to remove the link, which they havent yet. I still have the phone number and he blocked me but when I called from my friends number, he answered. I had my friend hang up and a few minutes later, the scammer called my friend back. The scammers phone number is XXXX. Another number he called from was XXXX. I gave you the short version. If you would like more details, or would like to talk on the phone, my number is XXXX. I am active on XXXX  at XXXX XXXX or on XXXX XXXX  XXXX
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

paypal master card ( synchrony bank ) : I have tried to make payments to my paypal mc three times in the last 3 weeks, and although there is available cash in my checking account, paypal has rejected the payments : XX/XX/2021 {$30.00} payment rejected, XX/XX/2021 {$75.00} payment rejected, XX/XX/2021 {$49.00} payment rejected again! 

I spoke with different representatives, but, they had no answer! 

I am having a lot of issues with Synchrony Bank lately! I do not understand what is going on. I have always made all my payments on time ; I have never ever been late at any time and now this ; this should be illegal! If Synchrony Bank is rejecting my payments, now what, eventually they will report me to the credit bureaus as delinquent?
Consumer complaint received 2019-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (TX)

I brought my car to XXXX XXXX XXXX for a repair and they instead traded my car for a new car. 
After a horrible sales experience we signed the paperwork. 
Sales problem was they refused to disclose the cost of extended warranties claming it was variable based on the loan. 
They also claim the warranties are good at any XXXX. However my experience with my previous car proves that not to be true. Yet they insist it is. 
They said several times I should trust them. 
Then after I agreed to the terms. 
I was 1/2 done moving car seats and such from the old car to the new and they came to me with a {$960.00} bill for the repair on the car I just traded. 
What was I supposed to do? 
Nevermind that the repair estimate was {$750.00} So I argued about the price but they insisted with 3 large salesman that I had to pay. Claiming I defrauded themby not telling them the car was in their repair shop. 
This was not true but again what to do? 
So I paid with Credit card. 
Is this what is referred to as a shake down. I had to think of the safety of my family at this point. 
Wrong just wrong and Im out the money. 

Guess I should have listened to my gut and never considered buying from this place. However I need a car to get to work. 
What has happened to our country and honesty?
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXXXXXX 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
Consumer complaint received 2023-01-11
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2020-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I submitted a complaint to XXXX  and received a form letter. It is evident XXXX  didn't read or was to lazy to respond maturely. The complaint was specific but XXXX  replied back - Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Perhaps they just have people that don't know how to respond other than pushing a button to send form reply outlined by others. So as a test, I will submit the complaint again. My complaint and request was - Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report? 
Is the CFPB a waste of money?
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Since Equifax security has been breached by an unknown Hacker or Hackers, it would appear that my personal and financial information is in jeopardy. In an effort to secure and protect my identity, I have attempted to put a Security freeze with Equifax on the financial information of myself and my spouse. I have attempted numerous times to enroll online with Equifax. Each attempt has been rejected by Equifax. I have attempted to call Equifax ( XXXX ) and have been rerouted to a telephone number that does not pick up. I was able to enroll with XXXX and XXXX for a Security freeze without any problem. It would appear that Equifax has failed to securely safe guard my and others personal and financial information and further engages in a deceptive manner while I attempt to place a Security freeze on my and my spouses personal and financial information. I have lost all trust in Equifax and would ask that an investigation be conducted regarding the business practices of Equifax.
Consumer complaint received 2022-09-14
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. (NY)

I am a victim of identity theft and the accounts listed in the identity theft report are produced by way of fraud including XXXX XXXX XXXX XXXX  XXXX which has caused me damages for a loss of {$500000.00} as I am not able to sell my home due to the fraudulent lien being placed on my home.
Consumer complaint received 2021-09-11
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. (FL)

XX/XX/2021 I was using a app called XXXX XXXX just anxious to see what was on my credit profile and to see just what these agencies are reporting.The XXXX XXXX app reported a lot of miss information that was incorrect and had no permissions to display or furnish any of my information without my natural scent, including Experian. I made a call to XXXX XXXX and they advised me their information and data comes from other third party debt collection agencies like experian. 

XXXX I informed the collection reporting agency in a certified letter that I the consumer was violated over 30 times in a spand of time of short time. I looked farther and i find violations after violation. After Experian found that I knew about the violations they quickly removed all 30 but the damaged was already done, and for some time. 
This made me look into any and everything. I was denied credit extensions due to the damages caused on my consumer credit report, and will be seeking damages for the breach of my personal information, and along with all FCRA and FDCPA. 

Please check your personal information profiles these companies will invade in your personal life and privacy. I hope I get results whos on our side. Will keep you updated
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

Well Ocwen Loan Servicing, Loan. I bought the property for XXXX Now the Loan, is up to XXXX so they modified my loan on this amount. The house is worth XXXX XXXX dollars. I will like to complaint that they are trying to foreclose the house and I am going to loose all my savings. Thank You. 


The Company deny me for a modification. 
Please help a concern United States citizen. 
Thank You.
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Ive asked capital one to help refund me my money out of a scam company that was supposed to hire me. Ive spent over {$4000.00} because the scammers sent me a check, which cleared in my account so obviously I thought it was valid and used the money to send to someone to purchase the equipment. Then it reversed into my account leaving me with negative balance. Ive asked the bank to help me because why would they clear a check then cancel it? It made no sense. They said since I spent the money they cant help me recover it. I lost over {$4000.00} which I still need to pay. I cant afford to pay because I lost my job to the pandemic then got scammed out of all my savings.
Consumer complaint received 2020-11-29
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. (IN)

Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXX XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. 

In my complaint nowhere did I ask if XXXX XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. 

My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. 

Yet TransUnion created a report, made that report public, where the report stated I was delinquent. 

Why?
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Paypal XXXX. Everyone knows this. Shame on anyone who works at paypal. 

I sold an item on XXXX item # XXXX. It was delivered by USPS on XX/XX/21, see tracking # XXXX. XXXX states that funds are available. 

But when I visit the worthless trash Paypal website, it says my funds are on hold, and Paypal is under the impression that the item hasn't even shipped. They are wrong. They are idiots. XXXX XXXX XXXX XXXX XXXX XXXX. 

Please cause them to release funds for the item so I can close my account and never deal with these XXXX ever again.
Consumer complaint received 2023-01-11
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. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXXs inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX  XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MS)

l been having problems with  XXXX   XXXX   XXXX  now  Caliber for 5 or  6 years. Back  in 2009 i los t my job got behind  3  payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in  debt.I paid 3  and half years (  XXXX  )  XXXX  a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

My PayPal account got permanently limited by PayPal on XX/XX/XXXX. However, I did not do anything that violate their rules. I just sold a second-hand cloth on an app called XXXX  because I need money, PayPal put that money ( {$410.00} ) on hold for a few days, and before I can get that money, they put my account on limitations, and I could do nothing to restore the account. I am so confused and they have no right to hold my money!
Consumer complaint received 2021-09-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/XXXX on this year.usaa isclosing my account and are refusing to close my account until 60days and I don't owe them anything. I can't pay my bills or feed my family. I am a XXXX XXXX veteran. And this is crazy.can I please get help
Consumer complaint received 2020-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint to XXXX  and received a form letter. It is evident XXXX didn't read or was to lazy to respond maturely. The complaint was specific but XXXX replied back - Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Perhaps they just have people that don't know how to respond other than pushing a button to send form reply outlined by others. So as a test, I will submit the complaint again. My complaint and request was - Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report? 
Is the CFPB a waste of money?
Consumer complaint received 2022-08-12
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. (SC)

I called the 3 credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

XX/XX/XXXX I received a credit alert from the credit bureau stating that I owed a debt. However, the company didnt send me any communication of the debt prior to placing the debt on my credit. Rather parked the debt on my credit. I lost the offer on the house I was trying to purchase. XX/XX/XXXX I received a letter from the company date XX/XX/XXXX. No where in the letter did it state I could dispute the account. Rather demanded payment.
Consumer complaint received 2021-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (WI)

I purchased a car in XXXX and started making payments in XXXX as required. On each payment, I paid extra and asked it to be applied to the principal balance. I asked via letter as well as wrote it on the check. The first letter was sent on XX/XX/21 with no response. The second letter XX/XX/21 and last was XX/XX/21 with no response. I have now paid an extra {$1500.00} that was NOT applied to principal and they have NOT responded. I also called customer service on XX/XX/21 and they couldn't resolve. The {$1500.00} NOT applied to principal will result in significant interest over charges. I am asking for these overpayments to be applied to principal balance.