davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

I opened a checking account with HSBC on XX/XX/XXXX using a link that was supposed to trigger a bonus offer of 3 % cash back on qualifying deposits for the first 6 months ( a maximum of {$700.00} ). The bonus offer required account opening by XX/XX/XXXX. I submitted my application on XX/XX/XXXX and received a confirmation of my application on that day. But I received confirmation of account opening on XX/XX/XXXX. As I was concerned that I would not be enrolled for the bonus, I confirmed with an HSBC agent that I would be enrolled and I was told that I would be. Relying on that conversation, I proceeded to use the account and make deposits according to the terms. However, since then I have not received any of the cash back. It has been much longer than the 8 weeks the bonus terms say to wait for deposit. A chat agent on XX/XX/XXXX confirmed that I had made the required deposits and said they would put in a complaint about the bonus I had not received. I also called and used the HSBC secure message feature to inquire. I was eventually told that my account was not enrolled in the bonus confirmation, despite my initial confirmation. I believe I am entitled to the maximum {$700.00} bonus, but I have received {$0.00}. The bonus code is XXXX. Please let me know if I can provide any additional information.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX & XXXX XXXX XXXX Account # : XXXX XXXX Account XXXX XXXX XXXX, XXXX & XXXX
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (NJ)

I opened an account with Binance.us since XX/XX/2021 for cryptocurrency trading and deposited {$1000.00} in two installments to buy and trade coins, and then they said that trading is disabled and ask for more personal verifications which I did and they approve my identity then I tried to trade again but nothing changed and I was locked out and sent them 5 emails and tickets to resume trading but no one answer me back. So I decided to withdraw my remaining money from Binance.us after I lost money because I was not able to sell then I found that I can't even able to withdraw the remaining cash money from the account and they send me a message that the account and withdrawal suspended due to risk management so I created another two tickets in a span of two weeks hoping someone from the support will get back to me, which never happened and until today XX/XX/XXXX I can't sell, buy or even withdraw my money.
Consumer complaint received 2021-07-13
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. (CA)

I noticed fraudulent accounts on my credit report which led to me filing a FTC report. I mailed the report certified to Transunion and it was received by Transunion on XXXX XXXX. I have a green receipt of reception from Transunion in which I have included in this complaint. I also made a complaint prior to this one which was XXXX and Transunion said they needed my authorization so they can proceed/block the fraudulent accounts. These complaints are being made by me and no one else. You have my authorization to delete these fraudulent accounts and inquiries immediately. I have provided a copy of my social security card and proof of address to confirm that I am making these complaints. You are taking advantage of me and infringing on my consumer rights. These fraudulent accounts should have been deleted/blocked from my consumer report MONTHS ago, but yet you are still taking unjust advantage of me. You are hurting my reputation with the banking system and I'm unable to access my full faith in credit! Not only should these accounts have been deleted, but they never should have been furnished in the first place. Pursuant to 15 usc 1681a ( 2 ), which is the EXCLUSIONS section, consumer reports should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. CREDIT CARD meaning my social security card pursuant to 15 usc 1602 ( L ). I DEMAND THAT YOU DELETE the fraudulent accounts NOW! I also never gave you WRITTEN PERMISSION to furnish ANY of these accounts pursuant to 15 usc 1681b ( 2 ). My consumer rights and my right to privacy are being violated KNOWINGLY!! I WILL SUE!!
Consumer complaint received 2021-07-13
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Mexico, is claiming what I consider to be a fraudulent debt on an account I thought was long closed. 

This bank claims that they held a negative balance on this account, which I thought was closed, for 2 years, from XX/XX/XXXX until XX/XX/XXXX, and then " wrote off '' the debt in late XXXX. 

I closed this bank account in XXXX of XXXX. I have told them that any checking activity on this account after that date would have been fraudulent and I do not agree that I owed them any money. 

This bank never sent me ANY NOTICE of the alleged debt, before they sent it to the credit reporting agencies as a " write off ''. The first time I even gained any knowledge of the alledged debt which had been " written off '' was in XX/XX/XXXX. 

I believe this bank has charged a fraudulent charge to my account, and has sent a fraudulent report of a " write-off '' to the credit reporting bureaus, and that they illegally wrote off this aledged debt without ever making any attempt to collect or notify the alledged creditor, myself. 

I believe that XXXX XXXX XXXX XXXX XXXX is hurting my credit score based on a fraudulent charge, that they illegally " wrote off '' against me.
Consumer complaint received 2021-07-13
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: CITIBANK, N.A. (TN)

Under Federal Law, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 U. S. Code 1602 ( l ).

This account is associated with my card ( social security card and it identification card and therefore under Federal Credit Reporting Act 15 U. S. Code 1681 ( a ) under the Exclusion section ( b ), any authorized or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report.
Consumer complaint received 2022-07-31
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc. (CA)

I have a loan account with Paramount Capital Group that originated in XXXX of XXXX. The loan terms were on a monthly payment basis for a fixed ( minimum ) amount that would span for a duration of 5 years. During the XXXX  year, the monthly payments were made on-time. At the start of the XXXX  year, the COVID-19 Pandemic caused a major disruption in the work force ( causing many people to pause- or end- working ), including my particular work industry. As a result, during the month of XX/XX/XXXX, it was initially reported that I became late on the monthly payments ( but not delinquent on the monthly payments ). After some major " push-back '' from telephone representatives that wouldn't allow me to speak a supervisor at Paramount Capital Group about COVID-19 Hardship options to have the late payments removed from my XXXX, XXXX, and XXXX  credit reports, I continued to make monthly payments and I continued to contact the customer service department at Paramount Capital Group ( about COVID-19 Hardship options to have the late payments removed from my XXXX XXXX and XXXX  ), but ( on numerous occasions stemming from XX/XX/XXXX to XX/XX/XXXX ) the customer service representatives gave me the strong impression that they were insensitive to my COVID-19 Hardship request to have the late payments removed by being very dismissive and inconsiderate ( even after the discovery of the 5-year loan account being " paid-in-full '' with a {$0.00} balance 1-year after the reported first late payment ). PLEASE KNOW, I never stopped paying on my loan account and within 1-year after the first reported late payment, I paid the loan account " in-full '' with a {$0.00} balance after recovering from the harsh hardships from the COVID-19 Pandemic.
Consumer complaint received 2021-07-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

This company is making statements COMPLETE PAYMENT RECOVERY SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX sent in a check and they are now turning me into the check bouncing system. they have been threat me turn me into a bad check writing system and harassing me on the phone. they are making false statements and defamation of my character. I have called many times and asked them to stop making such statements and that I have never sent or issued a check to no one. I also have verified this with the originator debt XXXX XXXX that I never sent XXXX XXXX a check and they never got a check XXXX.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/XXXX, Caine and Weiner contacted me to settle the claimed debt of {$12000.00} to XXXX XXXX XXXX XXXX XXXX ( Document " enotice '' ) via email. With this notice, I was not informed of my right to ask for proof of debt. On XX/XX/XXXX ( XXXX business days ), I responded with my dispute, explanation of the situation, and requested proof of debt. On XX/XX/XXXX, Caine and Weiner representative XXXX acknowledged they would respond with proof. On XX/XX/XXXX, I discovered Caine and Weiner reported my account to XXXX, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX ; one day before contacting me. I requested that this false report be removed. I received no response. 
On XX/XX/XXXX, at XXXX, I contacted Caine and Weiner again as XXXX  days had passed on my request for proof of debt and asked for the removal of my account from all three bureaus as there was no proof of debit as I had explained to them. I received no answer. However, only XXXX  deleted the account from my report. 
On XX/XX/XXXX, I contacted XXXX at Caine and Weiner again to remove my account with the false claim from my credit report from XXXX, XXXX, and XXXX  Credit Bureaus. 
On XX/XX/XXXX, XXXX responded that he would further contact the original creditor for information to validate my debt. 
On the same day, I let XXXX know that I had already requested the proof of debit and I was only contacting him to remove the false debt from my credit report on XXXX, and XXXX as 30 days had already passed. I then let him know that I was aware of my rights under the XXXX Fair Debt Collection Practices Act ( FDCPA ). 
Immediately after this, on the same day, XXXX from Caine and Weiner responded that they had mailed me the letter on XX/XX/XXXX, to which I replied was a lie because I had no mailed contact with them. All my conversations and interactions with them were via email. In addition, he had just responded earlier in the day that he was still reaching out to the original purport creditor XXXX XXXX XXXX XXXX. Thus, if he was still reaching out to this creditor, how could he have sent me any proof of debt on XX/XX/XXXX? It was very clear the representative from Caine and Weiner was lying and working under false pretenses to not remove this false report with the two credit bureaus.

I have now disputed the debt directly with XXXX  and XXXX.
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (MO)

XX/XX/2023 Subject : Request for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the XXXX XXXX XXXX Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by XXXX XXXX. 

The following items are being disputed : XXXXXXXX XXXX Date Opened/Closed Date/Date Reported XXXXXXXX XXXX Date Opened/Closed date/Date Reported In accordance with the five points of compliance under the XXXX XXXX XXXX  Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. 

2. Integrity : The information provided does not maintain the integrity and completeness required by the XXXX XXXX guidelines, leading to an unfair representation of my creditworthiness. 

3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile. 

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of XXXX XXXX reporting. 

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the XXXX XXXX XXXX Format in examining each disputed item and ensuring compliance with the five points of compliance. 

As per the XXXX XXXX guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the XXXX XXXX Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

Sincerely,
Consumer complaint received 2021-07-13
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am not getting any responses from the credit bureaus despite of several dispute I sent them for the past few months. These are the accounts I sent them for dispute : XXXX  XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

All of my Citi Bank Credit cards were closed by Citi last week for no reason. I have never received any communications from Citi regarding the closure, including any text, calls, emails, or mails. I only came to find it out when I log into my online account and discovered that all accounts were closed. I called Citi and talked to a manager, who told me that he can't tell me anything and he can't help at all. I have a total of XXXX thank you points that I can't redeem.