davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: POM Recoveries, Inc. (VA)

On XX/XX/2021, I received a letter from POM Recoveries about a XXXX XXXX debt stating that I need to provide information regarding his debt. On XX/XX/2021, I sent a letter specifying that POM Recoveries validate the alleged debt. On XX/XX/2021, POM Recoveries sent me a letter with a bill with two unknown signatures and an alleged statement that the Pt mother gave verbal consent. On XX/XX/2021, I responded to POM Recoveries that I never gave XXXX XXXX verbal consent. I requested that they still validate the debt and provide evidence of the verbal consent, the name and title of the unknown signature, and some sort of verbal recording since the alleged verbal consent is being contested. 
On XX/XX/2021, I received a letter from POM Recoveries requesting my insurance information. On XX/XX/2021, I informed POM Recoveries that my insurance company requested multiple occasions from XXXX XXXX to send them an itemized bill pertaining to this alleged debt due to fraudulent claims ; however, XXXX XXXX refused to provide the necessary information to validate the debt. On XX/XX/2021, I received a letter from POM Recoveries stating they contacted XXXX XXXX and they will not provide any additional information to them on this alleged debt. Also, the letter stated that the Hospital diligently recorded the date and time with their employees initial on the Consent and they have acted in good faith since the date of services. In addition, if they do not hear from them within 15 days from the date of this letter, they will resume collection action. 
On XX/XX/2021, I sent POM Recoveries a letter stated that they had not validated the alleged debt and they took this risk without doing their due diligence. In addition, I requested that they provide evidence of the alleged debt, name, and title of the unknown signatures, evidence of the alleged verbal consent, and signatories presented. I have requested that POM Recoveries validated the debt on multiple occasions, but they have been unsuccessful. I receive at least two to three letters per month regarding this matter, which is becoming quite frustrated due to their inability to validate the debt.

Your assistance is needed with this matter because POM Recoveries will not validate the debt since XX/XX/2021, but is threatening to resume collection without doing their diligence to validate the debt.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (AL)

Yes. I have already put in a support ticket with binance.us # XXXX. 

I did an ACH transaction over 10 days ago. Per their guidelines, I should be able to withdraw or transfer {$5000.00} worth of crypto or cash. 
I have tried to transfer as well as withdraw any amount from {$5000.00} down to {$500.00} with ZERO ability. 

It gives me a message saying 'your funds are partially frozen, etc ' 1- It is well past the 10 day deposit hold for ACH 2- Why am I not able to withdraw?

3- Binance.US currently has thousands of customers with the same complaints on XXXX, XXXX, XXXX, etc. Customer service doesnt answser the phones or respond to emails. 

This organization needs to be investigated and shut down. 

I want this to be resolved otherwise I am getting a lawyer involved for class action lawsuit.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi Experian, XXXX and XXXX and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between XXXX and Experian. How come it's reporting different data and different balances. See attachments. Why XXXX saying that I owed {$1200.00}, but Experian says that it was PAID and {$0.00} balance. Something doesnt seem right. And XXXX removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.
Consumer complaint received 2021-05-24
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. (MA)

Hi XXXX, Equifax and XXXX and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between XXXX and XXXX. How come it's reporting different data and different balances. See attachments. Why XXXX saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And Equifax removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.
Consumer complaint received 2021-05-24
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. (IL)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-24
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. (MA)

Hi XXXX, XXXX  and Transunion and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between Transunion and XXXX. How come it's reporting different data and different balances. See attachments. Why Transunion saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And XXXX removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I received a letter from XXXX XXXX stating that I owed {$600.00} and when I checked my credit report they had reported an unpaid account for that amount. I contacted XXXX, they told me to contact unifin which I did. The representative at unifin told me I needed to do my own research and pay my bills if I had a problem with something on my credit report. They would not give me any info about the debt. XXXX finally told me it was XXXX credit. So I contacted XXXX. They told me to contact synchrony bank. Synchrony did not provide any info. I never opened or authorized a XXXXl credit account and still have no idea what the charge is for. These four companies are holding my credit hostage unless I pay {$600.00} that I have no knowledge of ever incurring. Please help me understand how the XXXX credit account was ever opened without my knowledge and why cant anyone tell me anything about it. Why did I first learn of the debt after it was reported to the credit bureaus? When I requested in writing that XXXX send me debt verification, they sent me back a form letter stating that they needed more info from me. My request included the XXXX reference number, unifin reference number, synchrony account number as well as my name address and social. How can they do this to people?
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I closed my credit card, by phone, with CitiBank on XXXX. They have put through charges since that time and are harassing me with phone calls to pay my balance on a closed account. I have had two calls from them today, XXXX, as they refuse to stop calling me.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

On XX/XX/2021, account ending in XXXX with Costco/CBNA was paid in full ( {$3000.00} ) via my bank account with XXXX. On XX/XX/2021, the creditor reported the XXXX balance to all 3 credit bureaus as shown in the attached report. XXXX balance is also reflected on the account statement, also attached. On XX/XX/2021, the lender reported a balance of {$3000.00} to the XXXX credit bureau. I contacted the lender on that day and was told by the representative that she needed to initiate a dispute. On XX/XX/XXXX, I received an email that more information was needed to process my request. I contact their office that day and spoke with the credit manager who told me that the representative made notes on the account that they didn't know which statement was in question. He initiated another request that the account be updated to the credit bureaus. Today, XX/XX/2021, I purchased an XXXX report from XXXX XXXX and the report shows a balance on the Costco account. Documentation is also attached. I attempted to file a dispute on XXXX online, but I was unable to. I then contacted XXXX via phone and filed the dispute manually. I have shared with all parties that I will not be jerked around concerning this situation and want it remedied immediately.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

Hello, My business checking account with US Bank was hacked and used to send unauthorized payments using XXXX. I only found out about this when I checked my checking account some time after these four transactions. I did open up a claim with US Bank but it was denied stating that the transactions were posted as requested, even though I never authorized these transactions. 

When filing the claim with US Bank, US Bank notified me that business checking accounts only have a one day window to submit a claim, while personal accounts have about one month. The reason for the denial of this claim was that I had filed the claim more than 1 day later from when the incidents occurred, as I am a business owner and do not check my checking account every day since I am busy with work. It appears as though someone accessed my username and password and sent these transactions without my knowledge. 

XX/XX/2020 {$300.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00}
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (GA)

I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX XXXX Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX is reporting an alleged account. I have disputed this account on numerous occasions. XXXX keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. XXXX is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all XXXX  different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. 
Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXXXXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (MO)

Kia Motors Finance insisted on receiving the full insurance payoff amount from my insurance company. Kia Motors Finance received payment on XX/XX/XXXX to payoff the loan in full with an excess payment amount of {$5800.00} to be refunded to me. I contacted the company on XX/XX/XXXX and they stated to allow 16 days for the check to be mailed. After allowing more than the 16 days I contacted the company on XX/XX/XXXX. I spoke with one agent that stated to now allow 30 days for the check. I asked to speak with a manager and the manager stated nothing had been processed yet and to now allow for 45 days for a check " to begin to be processed ''.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I am following up again with you about the bankruptcy that that reporting on my credit report with Experian. I've attempted many times to have this account investigate but somehow your Experian has refuse verified this bankruptcy as being accurate. 
I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party most likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. 

This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NM)

I have been trying to close my Citibank Priority Checking account since XXXX. There is XXXX cents in the account currently. I have called repeatedly asking Citibank to close the account and do what they will with the XXXX cents. I was told on XX/XX/XXXX that my account would be closed within 30 days. When I checked my account the 2nd week in XXXX I found that my account was still not closed. Upon calling Citibank back on XX/XX/XXXX, I was first hung up on. The second call I was transferred to 4 different people each one telling me that " this isn't my department. '' I was then informed that my account was blocked and that the only people who could unblock and then close my account are " in a back office '' and that " customers aren't allowed to speak to them. '' I was then told that I was given the wrong information and that closing my account could take at LEAST 60 days, but because this back office team does not speak with customers the Citibank representatives would not give me any sort of date. I just want my account closed and Citibank won't do it.
Consumer complaint received 2021-05-24
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: Neighborhood Autos, LLC (TX)

I purchased a XXXX  XXXX  XXXX  and currently have a XXXX XXXX  from Wise credit LLc they have only reported my payments to one credit bureau which is not effectively building credit resulting in no credit score at all on two bureaus - this needs to be reported to call CBR 's to help my credit profile and is my right as a consumer
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please help me my family maybe left homesless. I am a victim of identity theft, I have submitted an FTC report and a Identity theft affidavit showing that the accounts listed aren't mine. These accounts are hurting me and my family badly. We are in the process of buying a house and are having so many problems with getting it because of these accounts. Please i have sent an FTC report and everything listed was not removed. My family can end up being homeless. What would you do if something like this was effecting your family in a negative way and you couldnt do anything about it. This is not fair I dont deserve for something to be on my account that is not mine.