davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I received a copy of my credit report and found the following items to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! Bureau has refused to investigate this negative account on my report. 
2. XXXX XXXX Account Number : XXXX I was never late on this account, NEVER, please remove late mark on status of this account.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WV)

I have had nothing but issues with Binance.US. the company is aware of their inefficiencies as I have many screenshots to prove it. i initiated two separate withdrawals on XX/XX/2021. One withdrawal was done through ACH totaling up to {$78.00}. The other withdrawal was done through wire totaling {$85.00} ( {$100.00} with the {$15.00} wire transfer fee ). I never received emails to confirm these withdrawals and my money is stuck in order. I have reached out to Binance.US and I am now blocked from all forms of contact. customer support emailed me to tell me I had an outstanding balance in which I replied immediately that there is no such issue. Followed by a response apologizing for the misunderstanding and that they would look into my withdrawal issue. I have now received 3 replies that havent addressed the issue as I am explaining or they have said it will be handled. It has been over a week, the situation is not handled and they blocked me and closed my support tickets. My user id # XXXX my email associated with the account is XXXX my last support ticket # XXXX I am all out of options I did everything I could to resolve this issue and they are making no attempt to rectify the situation.
Consumer complaint received 2022-09-21
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)

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my CreditReports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureaus closed mycomplaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX XXXX XXXX, XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personalprofile, I noticed that there were XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$58.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have beenpaying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all thistime. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have themBLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using athird party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a secured credit card with XXXX XXXX XXXX for about 10-15 years now and they changed the way you pay your bills online also online statements would not be updated without any notice, ie, email, call nor text. when I found out that the statements weren't accurate I started sending {$20.00} a month towards my credit card, which I barely even used, the annual fee was what I was paying. in XXXX they tried to send me a overpayment refund check, I told them to put my overpayment towards future bill payments. An representative told me I could request that, and I did. I got a notice that I was late paying my bill in XXXX or XXXX, but the website said I was current and had a credit. around XXXX they reported to the credit agencies that I had a 30 day late payment. Never recieved a email, text nor call before hand. they said I didnt pay a {$5.00} late fee. mind you I had {$150.00} - {$250.00} overpayment that was to have been used. l disputed it they said it was accurate, talked to reps but no one never spoke about my credit I had with them that was to have been used. long story short, I recently closed that account and they sent me a {$350.00} overpayment to my checking account. no one never addressed the fact that I was not late but overpayed my account so how could I be 30 days late when I had a {$350.00} overpayment refund issued to my checking account. My credit went from XXXX in XXXX to a XXXX in XXXX. and my other credit card limits from other companies were lowered because of that error. I worked too hard to get my credit right for this to happen.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a secured credit card with XXXX XXXXXXXX XXXX for about 10-15 years now and they changed the way you pay your bills online also online statements would not be updated without any notice, ie, email, call nor text. when I found out that the statements weren't accurate I started sending {$20.00} a month towards my credit card, which I barely even used, the annual fee was what I was paying. in XXXX they tried to send me a overpayment refund check, I told them to put my overpayment towards future bill payments. An representative told me I could request that, and I did. I got a notice that I was late paying my bill in XXXX or XXXX, but the website said I was current and had a credit. around XXXX they reported to the credit agencies that I had a 30 day late payment. Never recieved a email, text nor call before hand. they said I didnt pay a {$5.00} late fee. mind you I had {$150.00} - {$250.00} overpayment that was to have been used. l disputed it they said it was accurate, talked to reps but no one never spoke about my credit I had with them that was to have been used. long story short, I recently closed that account and they sent me a {$350.00} overpayment to my checking account. no one never addressed the fact that I was not late but overpayed my account so how could I be 30 days late when I had a {$350.00} overpayment refund issued to my checking account. My credit went from XXXX in XXXX to a XXXX in XXXX. and my other credit card limits from other companies were lowered because of that error. I worked too hard to get my credit right for this to happen.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MD)

This is my 3rd complain regarding TD Bank that does not honor the {$200.00} sign up bonus. I believe the reason given was either technical glitch or fraudulent activity. On the TD Bank respond datedXX/XX/2020 ; the reason why I have been disqualified for the {$200.00} bonus because I made a {$1500.00} transfer on XX/XX/XXXX which was reflected on the Saving Account statement dated XX/XX/2020. 

However, I believe that transfer was not made by me. I believe that transfer was either technical glitch or fraud for the following reasons : 1. On the Saving statement ended XX/XX/20, the transaction on XX/XX/XXXX was marked as Transfer FROM Checking Account. It was NOT marked as Transfer TO Checking account. 

2. On the Checking account ended XX/XX/20, there was a transaction on XX/XX/XXXX that showed the {$1500.00} transfer from Saving to Checking. However, there was no transaction recorded that show the XX/XX/XXXX transfer from Checking to Saving in the Checking Statement ended XX/XX/2020that is supposed to be synched with the Saving Statement XX/XX/2020. 

Therefore, there is no complete synched records on both Saving and Checking statements. Too many errors that are not synch. TD Bank has no strong evidence to say that I was the one that made that {$1500.00} transfer from Saving to Checking account. I believe that {$1500.00} was either technical glitch or fraud. 

3. When I first saw those transaction back in XXXX 2020, I believed it was just technical glitched. So, I asked Customer Service through TD messaging system about it. On the message dated XX/XX/XXXX, I was assured that I was still qualified for the bonus despite {$15.00} maintenance fee. Therefore, I let my money stay in TD Saving account and wait for the bonus. So, consideration has been given based on the contract that has been made. 

4. TD Bank fail to give me proof that the transfer on XXXX/2020 per Checking statement was really happened and initiated by the account holder. 

5. I dont believe I made such a mistake that disqualify me for the {$200.00} bonus. I am pretty good in this type of game. The fact that now TDBank uses it as an excuse to disqualify me to get the bonus that I am entitled to ; that makes me suspicious that the glitch was fraudulent all along as way to trick customer especially the one with immigrants name like mine. 

Please send me the {$200.00} check to my home address.
Consumer complaint received 2023-07-17
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)

In accordance with the fair credit reporting act the following companies listed below, " Equifax Information Services LLC '' have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-04-12
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. (GA)

COMPANY : Transunion ACTION ( complainant ) : 3 notarized, written requests sent via certified USPS service to have 3 erroneously reported accounts investigated and accordingly removed or have proper proof provided of their legitimacy in accordance to FCRA guidelines. 
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACTION ( respondent ) : 3 investigations conducted resulting in 1 of 3 accounts in question being removed. No validation of remaining account legitimacy provided. 
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

In XX/XX/2023 we moved our home, auto, and umbrella insurance policies from XXXX to XXXX. XX/XX/XXXX, XXXX emailed us regarding our " ... upcoming policy renewal ''. On XX/XX/XXXX, we received an email with the following subject line " Your Auto Policy documents and insurance cards are available on XXXX ''. Because our XXXX policy was to expire XX/XX/2023, our new policy began XX/XX/2023. Despite having a new policy and alerting XXXX to this fact multiple times, including signing and submitting their policy cancellation document, XXXX continues to send letters requesting payment for an expired auto policy. Furthermore, if I understand the communications correctly, on XX/XX/XXXX ( also see attached letter dated XX/XX/XXXX XXXX XXXX fraudulently and without our permission extended the policy to XX/XX/2023. We never agreed to this and would never agree to having a policy with XXXX while we already have a new agent and agency. 

Today, XX/XX/2023, we received a letter from Radius Global Solutions LLC formerly XXXX XXXX XXXX XXXX, a debt collector who is " trying to collect a debt that [ we ] owe to XXXX insurance- Personal Lines. '' We paid XXXX in full for the policies ( home, auto, umbrella ) we had with them and did not renew the policies in 2023. We do not owe XXXX and were astounded that they continue to harass us and utterly shocked that they submitted this fraudulent bill to a collection agency.
Consumer complaint received 2022-07-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to delete the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be deleted are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (SC)

I received credit alerts from : XXXX XXXX  and XXXX that Americollect inc., company flagged my accounts for collection. Americollect inc., flagged my credit file with inaccurate collection information on XX/XX/XXXX, and XX/XX/XXXX. 
Their account was opened on XX/XX/XXXX : I have not received any goods or services from Americollect inc., and I do NOT now nor have I ever agreed to this contract! Proper documentation from Americollect inc., was NOT provided to NAME to allow Americollect inc., to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
Americollect attempted this same tactic in XXXX of XXXX and was unable to validate their accounts. As a result, each credit bureau immediately removed their accounts.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I contacted Equifax on XX/XX/2021 regarding several unauthorized hard inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. I have certified mail receipts of letters sent to the creditors requesting verifiable proof of authorization for the disputed hard inquiries. 

I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-01
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)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  300XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( XXXX ) XXXX XXXXXXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ XXXX {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (CA)

I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). Transunion, XXXX and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (OH)

I have never received a bill from a leased car I turned into Chrysler Capital. They have no reported data since XXXX. I turned this car in and the balance was paid. I disputed the report through XXXX and they put a current status on my credit Report showing " Late '' without my knowledge or contacting me. Report Number XXXX Date Generated XX/XX/XXXX On the response to the Dispute it shows " Paid, Closed '' on XX/XX/XXXX. 
I would like Chrysler Capital to give me details on what they are billing me for back to XXXX when they reported it was " Paid, Closed ''. Why have they not sent me a bill in the past? I would like this removed from my credit report due to inaccurate reporting.