davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (IN)

in review of my credit file i see two recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) XXXXx Mortgage XXXX XX/XX/2023 I would like these two inquires removed.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (FL)

I had to break my lease due to Covid 19, and I am now living with a family member. I had to break my lease because of medical complications, and was unable to afford my apartment. The charged me a fee, of which I told them I would do the best I could. I paid half of it, and cleaned the apartment and they rented it out right away. I told them I would make payments on the rest of it. But they turned it over to a collection agency that calls several times daily, and clearly refuses to work with me. And they have put negative marks on my credit report. I am not sure why they would need such a large amount anyway, since the apartment was clean and was rented out the next week.
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Hello, My name is XXXX XXXX. I was first made aware of Midlands debt when I was in the process of refinancing I. XXXX of 2022. I sent a XXXX letter to all XXXX credit bureaus requesting proof of debt. I never received any information. On XX/XX/2022 the collection charges was added back on my credit for the amount of {$890.00} by MIDLAND CREDIT MANAGEMENT. This company is in violation and I would like them to be removed from my credit report immediately. 

Thank you
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XX/XX/2022 off my report or provide proof in writing within 30 days.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

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 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I attempted to purchase an item from an online account and used PayPal to pay for the item. Subsequently, I found out the account/seller was fraudulent and disputed with PayPal. They spent almost 60 days and in the meantime, the seller sent a fraudulent UPS notice that the product had been delivered to me. It never was delivered. 

PayPal sided with the seller and left me with no appeal process. 

I've tried to close my Paypal account and they won't even answer the phone or IM system. 

I'm convinced that I will never receive my money back and just want to close the account of this worthless organization. 

I will use my credit card directly in the future. 

I need your help in closing the PayPal account.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back on XX/XX/XXXX, I contacted Bank of America after I found that my account had been emptied. They opened a fraud claim in the amount of {$6300.00} as that is the amount they determined was unauthorized and it was denied on 3 different occasions when I tried to resubmit. When the claim was denied for a 3rd time, I contacted the claims office and got a supervisor on the phone who told me I needed to file each transaction individually. I was able to get 3 claims submitted out of over 60+ transactions that took place from XXXX. I was told to wait on the outcome of those claims before trying to submit any additional claims. 

Those 3 claims had all temporary credits made permanent as of XX/XX/XXXX. I contacted BOA on XX/XX/XXXX and explained the situation to a manager named XXXX. She sat on the phone with me for over 90 minutes and went through all of the transactions to get filed. She submitted the claim and we got off the phone, but her last comment was that the temporary credit should be applied quickly, and there should be no issue getting it after all this trouble. The total amount of the claim was {$7100.00}. 
We received temporary credit of {$300.00} that night and {$3900.00} the next day by noon. When I called to inquire about the rest of the money as those were not the amounts I was told. I was informed on Wednesday XX/XX/XXXX that the temporary credits on the other two claims were a " courtesy '' and there was no guarantee that they would be handled the same as these were submitted individually. One claim for {$300.00}, one for {$3900.00} and one for {$1800.00}. The problem was that there was {$1100.00} still missing that hadn't even been filed. 
After many calls in, I was told that the {$1100.00} in claims would need to be filed on one of the original claims that was filed incorrectly by BOA and that the research department would have to make the determination if it can be reopened. This to me was unacceptable. On 4 different occasions up to this point, BOA has messed up the filing each time. Had this been done correctly in the first place, we most likely would not be having any conversations. But the claim was escalated for review and temporary credit on XX/XX/XXXX and I was to have a response with in 2 business days, and as of right now at XXXX XXXX on XX/XX/XXXX, I have received the temporary credit for the {$1800.00} claim, but no response at all on the {$1100.00} claim.
Consumer complaint received 2021-07-25
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. (CA)

XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2.XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late XXXX XXXXXXXX XXXX XXXX XXXX This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX XXXXXX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late EquiFax Information Services- they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX XXXXXXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3.XXXX  XXXX I was never late 4. XXXX I was never late
Consumer complaint received 2022-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX Date opened XX/XX/2020 Balance : {$2100.00}
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I called my credit card company ( XXXX XXXX XXXX  ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company XXXX XXXX. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This XXXX  XXXX  refuses to listen or remove the account regardless of how many times I dispute this account.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a credit alerted in XX/XX/XXXX from XXXX that Portfolio Recovery added a collections to my account for {$1200.00}. I have no idea what it could be for and feel it's related to the time my Identity was stolen. I have frozen my credit file before in the past to avoid fraud after several accounts where open in my name. I contacted the collection company in question and was told that the account was originally opened with XXXX Bank in XXXX but purchased by Portfolio Recovery.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo, our mortgage lender, failed to file with XXXX County that we had refinanced a $ XXXX mortgage several years ago, which nearly led to a delay in the closing on the sale of the house ( XXXX XXXX XXXX XXXX, NY XXXX ) on XX/XX/2018.Our mortgage account no. is XXXX. We dealt with XXXX XXXX at XXXX. 

Under NYS real estate law, lenders are supposed to file a Satisfaction of Mortgage form in a timely fashion when a borrower refinances. If that doesn't happen, the lender is liable for damages to the borrower. Under the law, after 90 days, the lender owes the borrower {$1500.00}. 

In a letter to our lawyer, XXXX XXXX in XXXX XXXX, dated XX/XX/2018, Wells Fargo promised to resolve the issue by XX/XX/XXXX. This did not happen. Our lawyer had to create a special document asking our title company to indemnify us in order for the sale to close as scheduled.The lawyer charged us an additional fee of {$150.00} for the time involved in drawing up the document.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OH)

I have made several requests to Enhanced Recovery Company to validate the account in there office. I never received any notification that Enhanced Recovery Company had the authority to enforce a claim upon me. No proof of Claim whatsoever. Enhanced Recovery Company claim does n't meet the standard of the state of OHIO XXXX XXXX This would include affidavits since said records or documents upon which their office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows Enhanced recovery or any third party law firms and collection agencies are in accordance with the XXXX. XXXX OHIO XXXX XXXX XXXX Taking assignment of debt : XXXX XXXX XXXX XXXX No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. 
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. 
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

REFERENCE TO COMPLAIN CASE NUMBER XXXX I ATTACHED A COPY OF MY UTILITY BILL TO PROVE THAT THE DEBT IS NOT MINE. 
Case number : XXXXTransUnion said : Explanation of closureUnder the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item ( s ) unless you can provide new information such as court papers or a recent, authentic letter from the creditor ( s ) that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the creditor directly. Contact information for each creditor is provided on your credit report for review. If you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 




ResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, XXXX # XXXX reflects as a collection, balance and past due {$1700.00} and estimated deletion of XXXX. 

In addition, onXX/XX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, you were notified in writing that the disputed information had been previously verified as being accurately reported by the data furnishers. 



What happened Product Credit reporting Issue Incorrect information on credit report : Information is not mine ( belongs to someone else, identity theft, fraud, etc. ) Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that TRANSUNION AND XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (OH)

Hello, I emailed you a week ago expressing that Binance.us refuses to answer emails. I emailed them on XX/XX/XXXX, and on XX/XX/XXXX they decided to reply to me after I told them that I had sent a complaint to both your facility as well as the attorney general of California. 

In the email I was told they have locked my account because I owe them money. Im not sure how I can owe them money if I am not allowed to trade unless the money clears. On XX/XX/XXXX my account was hacked. They did not close my account until XX/XX/XXXX. Money was transferred out of my account no lost XXXX. When I finally retrieved my account it had around {$6000.00}. I was able to transfer out of Binance.us I believe around XX/XX/XXXX. I received an email stating my account is active. 
After I made a few complaints about how they handled my compromised email, my ability to trade and transfer my crypto was disabled. However, they kept sending me emails about how my deposit limit has increased to {$10000.00}. 
They have disabled my account and refuse to release my crypto. That is theft. That is also a violation on the consumers protection act of XXXX. Binance. Us is costing me to lose money everyday it doesnt allow me to break free from their platform, and it is also causing me mental stress and harm. Binance.us doesnt hear or serve its consumers. It does whoever it wants to do. 

I want you to know that I did serve Binance.us with court papers. I am taking to small claims court. 

I am asking your help.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I receive numerous phone calls and numerous numbers from Portfolio Recovery. At least 10 calls a day. 
The only debt it could be was already discharged from XXXX XXXX for {$900.00} four years ago during a divorce. 
I can't take this harassment anymore. I'm XXXX years old and not healthy. They call all hours and as I said at least 10 times a day. 
Thank you
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WA)

This collection agency has consistently & repeatedly, numerous times over numerous accounts, reported erroneously information ( Known in the industry as " skip / trace '' errors ) which in some manner they have mistakenly attached to me as the account owner and debtor. This erroneous data has been reported to all three of the major credit reporting bureaus : XXXX, XXXX & XXXX beginning XXXX XXXX - XXXX XXXX on XXXX separate accounts ( Reference # XXXX - {$1000.00} / # XXXX - {$350.00} / # XXXX - {$130.00} ) all associated with XXXX, a cell phone provider I have never had an account relationship with. 

Enhanced Recovery Collections of XXXX, Florida has been contacted in each instance, yet continued to make the same error on new accounts. In all cases my SSI # was not initially associated with the account, the XXXX accounts records contained faulty street addresses in states I have never lived and in a number of cases not even my legal name was on the account. ERC is making these record alterations - additions ( Skip / trace errors ) themselves, but blames other organizations ( XXXX - XXXX ) as the responsible party. Regardless they are the one 's reporting the data in error to the credit bureaus. They are aware of the problem and failed to fix it. 

This agency seems to utilize its credit bureau reporting capability in a " predatory fashion '' in order to pressure and collect from anyone they have erroneously associated with an account in default.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (DE)

On XX/XX/XXXX, XXXX talked to a person by name XXXX fraud Discovercard fraud division in dispute of charges made by XXXX in the amounts of {$14.00} XXXX made on XX/XX/2020 ) {$1.00} XXXX made on XX/XX/2020 ) and {$13.00} XXXX made on XX/XX/2020 ). Total of that those fraudulent charges was & XXXX. I deducted that amount from the total charge and paid the remaining amount on a due date. Discover instead of charging back those fraudulent charges, charged me {$5.00} interest on those fraudulent charges. today when I attempted to dispute those charges by talking to another person from the fraud division in XXXX by name XXXX, and another fraudulent charge made in the amount of {$110.00}, by XXXX with whom I do not have any relationship whatsoever and did not purchase anything from them. Again did not get any assistance in that fraudulent transaction. It appears that Discover card allows all types of fraudulent transactions to be charged to my account.