davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WA)

I set up a Binance US account, I made a deposit for {$500.00} and it failed. I ended up making successful deposits totaling {$500.00} the same day XX/XX/21. 
On XX/XX/21 the failed {$500.00} was debited from my checking account and the transaction still says failed, the money essentially disappeared. They debited a total of {$1000.00} and only credited me {$500.00}. 
I filed a ticket # XXXX ( only option for contact ) including documentation the same day, didnt hear back and it wasnt until I started XXXX about it that they responded with We have inquired with our banking partner. That was XX/XX/21 Ive heard nothing back, despite trying to contact them. There are hundreds of other people having the same issue, some waiting for months with no answer. I need that {$500.00} back in my checking account.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OR)

I paid off my loan in full on XXXX XXXX, 2020. As of XX/XX/2020 I have not received my escrow refund. I have called three times and sent a message. Each time I call I get a different reason and am told to check again later.
Consumer complaint received 2020-05-25
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. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company has admitted to being a Debt Buyer this company is also a debt collector pursuant to 15 USC 1692a ( 6 ) defined as ANY PERSON who uses instrumentality of interstate commerce. As a private consumer natural person who is federally protected I have been violated. This company has admitted to committing fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028 and 18 USC 1029. They brought my data from a defaulted note purchased from XXXX XXXXXXXX on XXXX of XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2-401.They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company admitted to NOT having a contract with me. They can produce a contract as there is none. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CNAC has admitted to them buying my defaulted note from XXXX XXXX This company also said their complaint that on XX/XX/XXXX they sent documents but I have not received those documents. This company has a Cease and Desist and is using the CRAs as a form of communication which they are defined as a form of communication in Title 15 of the United States Codes ; I demanded to cease all forms of communication.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MO)

Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

NelNet : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX XXXX XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, NelNet, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: KEYCORP (NY)

Yesterday when I was looking at my account it was no pending transactions. I had a balance of {$110.00} and available credit of XXXX. I made a payment of {$110.00} towards my balance at Keybank in XXXX XXXX NY. Then when I looked at my account my balance and available credit was changed only a little. I went back into the bank to see what was going on and they told me it takes 24 hours  to post to my account. I looked at my account today and it said I owe another {$220.00}. I went into the bank & they told me that maybe I made another transaction between yesterday and today when I know I didn't. 
I just looked at my account and now im seeing repeated transactions ( that I already made earlier this month ) saying it was posted yesterday. I know it was posted before then because I check my account every single day more than once a day. And the money was already took out of my account and credit for. 

I first got the secured credit card with a deposit of {$300.00}. I just paid {$110.00} yesterday now they're telling me I owe another {$220.00}. I dont know what type of scam they got going on but they're really the worst and I refuse to pay more than what I originally put on the card. I didnt have no late payments or anything. Actually I paid earlier than the due date.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : Capital One ( Account # ) : XXXX, Capital One Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX  XXXX XXXX account XXXX XXXX XXXX, XXXX XXXX  account XXXX XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — Store credit 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. (MD)

I placed an order for a product with Best Buy on XX/XX/XXXX, using my Best Buy Credit Card for payment ( {$1200.00} ). The order was to be delivered XXXX via XXXX. The order was never delivered. Best Buy retailer was contacted via support chat on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : refuses to re-ship the order or issue a credit. XXXX tracking info indicates the order was signed for, but the signature is not my name ( and I live alone ). I considered XXXX  at fault and filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( called virtual BOT XX/XX/XXXX ; spoke to live rep XX/XX/XXXX ; response email to XXXX complaint received on XX/XX/XXXX ) is adamant that Best Buy retailer needs to file a claim to resolve the issue, but Best Buy retailer refuses to do so. I called Best Buy Credit Card Support on XXXX to file a dispute : they are telling me it can take 60-90 days to reach a resolution. I find this very unacceptable and frustrating b/c I suspect XXXX messed up ( either delivered to wrong address & person, or driver kept the order ) but refuses to take blame, but more importantly Best Buy retailer and Credit Card refuses to support a long-time customer and makes me feel like I am not worth the time and effort to resolve the matter promptly.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One, RE : Credit Card Account Closure Can you tell me who and why my credit card account is restricted and/or closed? I am a XXXX XXXX XXXX XXXX XXXX XXXX and the card is necessary for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without this credit card I am forced to purchase XXXX cash cards to complete online purchases. 

Please investigate the closure of this account and reconsider that decision. 

Sincerely, XXXX XXXX Someone is using my social security numbers to list fake collection accounts on my credit report. Accessing the report, this person is able to monitor and access the credit accounts on my credit report. ( identity theft and collection schemes ). 

In this case, a Capital One credit card was opened in XXXX, 2023, but for no apparent reasons, once the card was activated someone either : ( 1 ) accessed the Capital One account attempting to effectuate frauds, or ( 2 ) cancelled or closed the account. 

When this account was closed my XXXX credit rating was impacted, the credit score is now XXXX. This is a significant change in financial position. I can not repair or fix this negative action, it will remain on the credit report for 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the card is necessary for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears to me as though someone using my information filed a forged document with Capital One stating that they were either : ( XXXX ) ID theft protection, or ( XXXX ) an insurance company to facilitate what in the ID theft world as an " account takeover. '' If you move on this report, you will probably be redirected by Capital One to the person using my information. 

Please contact Capital One and advise them either to reopen the account or remove the derogatory information listed on the XXXX, XXXX, and XXXX XXXX credit report. 

I would prefer the account be reopened, I need the XXXX XXXX XXXX and the card is necessary for XXXX XXXX XXXX Currently, I am forced to purchase XXXX a cash card which is inefficient and inconvenient.
Consumer complaint received 2022-01-17
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. (IN)

these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted Experian, XXXX, and XXXX multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX USA and comments
Consumer complaint received 2020-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

An item appeared on my credit report placed by National Credit Systems, a collection agency. I requested that the inaccurate information be removed from my credit reports. I requested proof of the debt and asked that they validate the debt. National Credit Systems insisted that the debt was my debt. They provided a lease agreement that did not have my signature on it. I misplaced the documents they provided as validation of this debt and had become exhausted and decided to offer and settle the debt so I could get this negative item off my credit records, but have since located it and once again advised NCS that the debt is not mine. Since locating the documentation provided as proof of debt that do not have my signature, I have also contacted the Texas State Attorney General Office, California State Attorney General Office and the Federal Trade Commission. The collection agency is unwilling to remove this negative item from my credit report, nor provide satisfactory proof of a valid debt as mine.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I'm in the process of buying a house and when the lender company ran my credit it didn't show a specific credit bureau report ( EQUIFAX ). I contacted them but they seem to not have any of my information about me in their system even when I provide my social security number, nor my full name or my address. My credit does show up in other credit bureaus and I have had multiple credit lines for many years.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

I have not applied for any credit. And it shows all XXXX XXXX and credit cards I have not applied for nothing but XXXX XXXX so why is these hard inquiries on my credit?
Consumer complaint received 2022-01-17
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. (IN)

these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted XXXX, Equifax, and XXXX multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX USA and comments
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

The is a debt collection company by the name of NATIONAL CREDIT ADJUSTERS who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX, do not know where this debt came from. This company is neither licensed to collect in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is reporting multiple " C '' notation on my consumer reports which is misleading and also further damaging to my reputation as well. This company is violating the FCRA and FDCPA. This is deceptive and abusive behavior.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (WV)

I have a disputed charge for {$140.00} from XXXX for a purchase that I never received. I tried disputing it with XXXX first but after I waited the XXXX weeks and saw no refund, I contacted Synchrony ( PayPal Credit ) to dispute the charge. They collected dates and all the information I had. They then denied my claim twice. I've been using PayPal Credit for years and I've never not paid for a legitimate purchase. My credit score is almost in the XXXX so I don't want it ruined over this, but I will not pay for something I never received.
Consumer complaint received 2024-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX  0f 2023, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at XXXX  ( XXXX XXXX  ) and Kohl 's ( Capital One ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with XXXX, XXXX and XXXX, all on XXXX XXXX 2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called XXXX and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX  and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, XXXX, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.