davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have had this account opened since XX/XX/XXXX and have had perfect paying history on this account. I applied to refinance my mortgage and was not approved for a favorable rate because it is reporting in XX/XX/XXXX that I was 30 days past due on my Capital One Credit Card Account on my credit reports with XXXX, XXXX and XXXX. I remember in the month of XX/XX/XXXX I logged into make a payment from the Capital One website and the site was down and was not able to make a payment. I logged into my XXXX bank account and set up a payment in the amount of {$300.00} from my online bill payment system. I noticed a few weeks later that the payment never posted to my capital one account. I immediately contacted Capital one and made them aware of this issue and we scheduled a payment over the phone. I ended up contacting XXXX and they informed me that the payment was sent electronically to Capital one and they gave me the ID transaction number XXXX. I informed them that Capital one never posted this payment to my account and that Capital one stated it was not received. The representative said that the only way for me to get the funds back is to file a dispute for the {$300.00} that was sent to capital one which I did receive the {$300.00} back about a week later. However my credit score has suffered from this issue caused by the Capital One. I did send the funds and I do have records of making the payment but they just never posted it to my account. I am requesting that Capital one removes the 30 day late payment from reporting to XXXX, XXXX, XXXX, and any other major credit reporting company they report to because this was indeed a BANK ERROR. My credit should not suffer because of a bank error and this is totally unfair to me because now I can not save money by refinancing on the high interest rate I am paying for my mortgage.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (OH)

I sent you an email in regards to Binance.us not closing my account when I emailed 3 times telling them my email was hacked and they completely ignored me. I didn't get a response from them until 4 days later, on the XXXX XXXX XXXX  After a few emails back and forth, Binanc.us closed my account on XX/XX/2021. That's 12 days after I informed them of identify theft. 
I I emailed you to put a formal complain towards Binance.us which has another name of BAM Trading Inc. 

My complaint was as followed toward Binance.us : 1. They dont provide consumers with fraud hotline telephone number 2. They don't have a fraud hotline email 3. They don't respond in a timely manner for sensitive issues, such as in the case account compromise 4. They neglected to protect their clients. 
5. They allowed the suspect to continue to have access to my account while they were investigating my claim. 
6. Their lack of quick response and inefficient communication led to a {$12000.00} loss on Binance.us and another {$5000.00} loss at my US bank. 
7. They advertise FDIC insured, that means my money is protected. That is the message I got that us why I signed up with them. 
8. False advertising if they claim to be FDIC insured but when theft happens they don't want to reimburse me. 


I received an update from your agency and you closed my account which doesn't make any sense. My issue was never with Coinbase. My issue was with Binance.us. 

This complaint is addressing Binance.us ( BAM Trading Inc ) XXXX had nothing to do with my complaint other than the fact I was comparing the difference in how they treat their customers. XXXX and closed my account and within in 24 hours they took care of it. They had a number and I was able to shut my accountable immediately. 

Please do not confuse the 2 platforms. 

Reopen my complaint towards Binance .us Thank you XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY (NJ)

There was a balance transfer on my statement on the folowing 2 dates ;  XX/XX/2017 = {$5000.00} XX/XX/2017 = {$2500.00} I have requested on numerous occasions proof that I/we gad requested these Transfers to no avail. American Express could not produce a copy of the checks. AX sent out this account for collections! 

Account # XXXX & XXXX AX also would not turn this matter over to their Fraud Department?
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

i have been contacted via email and mail making attempts to get me to pay a debt I do not owe. I have asked them several times to provide me with proof of their claim. I have asked them to provide the contract that bears my signature. I asked them to state specifically what services and or goods they provided that warrant me to pay them
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (AL)

I have an account of {$400.00} from XXXX XXXX thats reporting in my name and it was opened in my name fraudulently. It was opened XXXX, 2019 I also have an account from XXXX XXXX in the amount it {$4700.00} that was opened in my name fraudulently. 

I need these removed from credit report asap its hurting my ability to purchase a home.
Consumer complaint received 2019-05-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HANCOCK WHITNEY BANK (LA)

I purchased a car in 2008. My grandmother was making payments on the car while I was in college and young. She fell ill and stopped making payments in which I was unaware. The car was involved in an accident and when the bank tried to repossess the car it was in the shop. I told them where and assumed they picked the car up from the mechanic and that was the last I heard for years. I assumed the car was taken and sold. Five years later I opened my check to discover someone had taken half of what I made. It was the first time I was ever aware I was being sued for anything. I was not in a position to fight them, I was a single mother trying to make ends meet and could not afford an attorney. I made an agreement to pay them. A debt in which I thought was the total for the car. Unfortunately five years later I am still making payments. I am desperately trying to purchase a home for my daughter and I to live in. I offered to settle with them last year. I offered them XXXX XXXX dollars which was roughly 50 % of what was left. I had already paid them XXXX XXXX so I assumed that was fair. They declined my offer and continued to track me down and demand more money every time I turned around. I am still making monthly payments to them and would truly just love to be able to purchase a home.
Consumer complaint received 2024-03-18
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: Bread Financial Holdings, Inc. (IL)

I am writing to file a formal complaint against Comenity Bank for their continued erroneous reporting of a debt to the credit bureaus that legally does not belong to me. This unwarranted action has unjustly affected my credit score and has caused significant financial and emotional distress. On XX/XX/2021, I received a Notice of Dismissal from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois, presided over by XXXX XXXX XXXX XXXX. This legal document confirms unequivocally that the alleged account, which was initially opened with Comenity Bank and subsequently sold to XXXX XXXX XXXX XXXX XXXX, was dismissed without prejudice on the Plantiff 's motion. Moreover, the dismissal mandated the cessation of all future reporting related to this account. Despite this clear legal directive, Comenity Bank has continued to report this account as a charge-off to the credit bureaus even though they sold it to another company ( XXXX XXXX XXXX XXXX XXXX This action is not only a direct contravention of the court 's order but also a gross violation of my rights under the Fair Credit Reporting Act ( FCRA ). The persistent negative reporting has unjustly impacted my credit score, limiting my access to financial opportunities and causing undue stress and hardship. I have made several attempts to resolve this matter directly with Comenity Bank, providing them with the necessary legal documents and repeatedly requesting the correction of their records to reflect the court 's decision. Regrettably, my efforts have been met with inaction, and the erroneous credit reporting persists. 

I am also reporting that Comenity Bank is in complete violation of the FCRA laws 1. 15 USC 1681 section 602 states I have the right to privacy.

2. 15 USC 1666b which states a creditor can not treat a payment on a credit cards account under an consumer credit plan as late under any purpose.

Therefore, I am seeking the intervention of CFPB to facilitate the following resolutions : Comenity Bank must cease all negative credit reporting related to this account and rectify the information previously reported to the credit bureaus. 

XXXX of Accounts : COMENITYXXXXXXXXXXXX  Account Numbers : XXXX
Consumer complaint received 2021-02-26
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. (SC)

I file an FTC Report ( # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (NV)

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Carrington Loan loans. loan number XXXX. XXXX XXXX XXXX borrower. property address XXXX XXXX XXXX XXXX, Oh XXXX. 

The servicer has not paid the annual insurance expense, which is inc. in escrows. Ins agent called several times to investigate and received no response. Ins. agent called me to inform me of the issue and advise the policy was due to expire without payment in 10 days. I called carrington, spoke to service rep, and she advised she would investigage and call the carrier. I requested a phone call/email to confirm problem was resolved. I was told she can not verify this, and I would have to call back in 2-3 business days to confirm. I advised this was unacceptable, as we encountered the same issue last year. When I requested to speak to a supervisor, service rep hung up!
Consumer complaint received 2022-06-09
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. (MO)

I applied for a new credit card at XXXX XXXX Bank and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX 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 2019-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Due to inaccurate reporting of available funds by Huntington Bank I incurred an initial overdraft fee on a purchase of gasoline in the amount of {$57.00}. With my account now in the negative there were 2 more transactions processed by the bank in the amounts of {$12.00} ( XXXX ), {$5.00} ( XXXX XXXX ) and {$9.00} ( XXXX ). The overdraft fees associated with these transactions amounted to a total of {$150.00}. Now at an even larger negative balance on my account. The bank authorized wrongful charge from XXXX cable. Historically I always pay my XXXX bill with another account. The charge was processed to this account in XXXX error. To which they admitted fault. Upon learning of this I contacted XXXX and visited a local Huntington branch and spoke to reps about how to go about resolving this. I was told by both of them to file a wrongful charge claim. I did so on XX/XX/2019. I was told not to transfer any funds to offset anything while the bank was investigating the wrongful charge because the banking institution would be less inclined to refund the funds. That same day I called Huntingtons customer service to confirm that what the branch representative was telling were true and was told that it was. As a precaution, I paid XXXX again. Just in case the investigation had a negative impact on my billing. Upon finishing their investigation Huntington decided in the favor of XXXX. Although there should be a recording from my conversation with a rep where they're admitting fault. Folllwing the instructions of multiple bank reps I did not transfer any funds to offset the negative account and this resulted in the bank adding additional overdraft fees. Huntingtons determination resulted in even more overdraft fees. After everything had processed I had 11 overdraft fees totalling {$360.00} resulting from 4 transactions ; 3 of  which being less than {$13.00}. To offset the full negative balance of {$470.00}. Funds were transferred from another account without authorization or notice. I read the disclosure statement and it does not support this. This situation is resulting in me being unable to pay my rent as I'd intended to on XX/XX/2019.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$710.00}
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I AM DESPERATE FOR HELP. DUE TO A LIFE CRISIS I LOST ALL OF MY CREDIT CARDS & AM STRUGGLING TO GET MY LIFE BACK. THE ONLY MAJOR CREDIT CARD I HAD LEFT OPEN IS CITI SIMPLICITY CARD. MY CREDIT LIMIT WAS {$1600.00} AND I MAKE MY PAYMENTS BY AUTO-PAY 2 TIMES A MONTH TO COVER THE MINIMUM PAYMENT. 

SINCE I LOST 80 % OF MY INCOME DUE TO COVID19 I  NEEDED TO RENT A CAR TO DRIVE WITH XXXX BUT THEY ONLY TOOK CREDIT CARDS, NOT EVEN A DEBIT CARD SO I CALLED CITIBANK TO PAY ENOUGH TO OPEN {$1000.00} AVAILABLE CREDIT SO I CAN RENT THE CAR. MY ACCOUNT WAS NOT PAST DUE. 

ON XX/XX/XXXX I CALLED TO PAY {$250.00} BUT THE RENTAL COMPANY NEEDED A DEPOSIT ALSO SO ON XX/XX/XXXX I PAID ANOTHER {$750.00} BOTH PAYMENTS ON MY DEBIT CARD SO THE I WOULD HAVE INSTANT AVAILABLE CREDIT AND SO I NOW HAD APPROX. {$1000.00} AVAILABLE CREDIT & WAS GOING TO RENT A CAR FROM HYRECAR STARING XX/XX/XXXX USING MY AVAILABLE CREDIT THEN CONVENIENTLY A FEW DAYS LATER CITIBANK LOWERED MY CREDIT LIMIT TO APPROX. {$590.00} AND USED MY {$1000.00} TOWARDS PAYING THE PRINCIPAL OWED!!! 

THE PHONE CALL WITH THE AGENT CLEARLY SAYS I WAS PAYING THAT MONEY TO USE FOR A RENTAL CAR & MY STATEMENTS PROVE THEY USED THE AUTO PAY FROM MY BANK ACCOUNT IN ADDITION TO FRAUDULENTLY EATING UP THE {$1000.00} I DESPERATELY NEEDED IN ORDER TO GET WORK DURING THIS PANDEMIC. 

I CALLED 5 TIMES, EACH AGENT TELLING ME MY ACCOUNT SHOWED I WAS GETTING THE {$1000.00} REFUNDED TO ME AND A WEEK LATER THE AGENT SAID THEY REVERSED THEIR DECISION & I WOULD NOT GET THE {$1000.00} BACK!!! CITIBANK USED DECEITFUL BUSINESS TACTICS BY UTILIZING MY {$1000.00} FOR THE WRONG REASONS. I WOULD NEVER PAY MY LAST DOLLAR TOWARDS A CREDIT CARD BILL & ESPECIALLY DURING THIS PANDEMIC. 

PLEASE HELP ME GET MY {$1000.00} BACK. I DO NOT DISPUTE THE LOWERING OF MY CREDIT LIMIT, I AM DISPUTING THE TIMING OF IT. THEY STOLE MY .
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.
Consumer complaint received 2020-08-19
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: NAVY FEDERAL CREDIT UNION (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

The problem is State Home Mortgage made errors on my account and instead of acknowledging their error, they are hoping the problem goes away. I would like a resolution for this fraudulent company. My mortgage was sold to this horrible company soon after the closing and I have had the worst experience possible. This situation is regarding them not paying my mortgage insurance which wiped my escrow account the following year, which resulted in a major increase in my monthly payments. I went above and beyond in XXXX to make sure my payments were lowered and due to SHM not taking the time to catch the error my account is now ruined. They calculated the incorrect amount for my future insurance payments which did not cover the actual insurance payment, and the insurance company DROPPED my account. So, I was stuck with no insurance and a high mortgage payment. They did nothing to fix the issue.