davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

The is a collection account placed on my credit files from Radius Global Solutions on XX/XX/2021 for the amount of {$290.00}. The original creditor is XXXX XXXX XXXX XXXX. This is not my account and I am not responsible for this account.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I've sent multiple letter to experian to close my account Membership account. They have continued to bill me after I attempted to close the account in XXXX of XXXX. I have called but they never answer the phone. I have mailed letters but they never respond. 

They have locked my credit file but I'm still being charged for costs I didnt authorize. They have acted inappropriately by locking by credit file without my authorization and have not provided any remedy to resolve the matter quickly. 

Experian has acted inappropriately and does not support consumer based questions or issues. It shouldn't be this hard to access my own information and close this account. This is abusive behavior by Experian!!!.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2020 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-12-03
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. (PA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please correct or discard these items immediately : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX made on the XXXX. They didn't post till XX/XX/XXXX. XXXX. Contacted them to dispute. No success. 

In accordance to the Fair Credit Reporting act XXXX XXXX has violated my rights. 
Under 15 USC 1681 Section 602 states I have the rights to privacy.

Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor can not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (TX)

I have tried to dispute a debt and provided proof that the debt is settled. The reporting agency did not resolve what is being reported instead they put a temporary freeze so that I can not dispute it again.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2016 of my XXXX  reports were removed from my credit report. 1 XXXX XXXX account and 15 ( all ) of my XXXX/Dept of Ed accounts were deleted. I recently just disputed with Experian because they haven't updated my report reflecting that the 16 accounts should be removed. After the dispute they STILL have not deleted it. THEY NEED TO DELETE IT. Them not having uniform information across all 3 bureaus is erroneous. DELETE ALL 16 OF MY REPORTS THAT XXXX  DELETED PLEASE AND THANKS.
Consumer complaint received 2022-02-11
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. (OH)

Today Trans Union dropped my credit score XXXX points today for paying off over {$2000.00} in debt. Really!!!! 
XXXX XXXX needs to get a handle on Trans Union and XXXX. As a matter of fact I have paid off more than {$20000.00} in debt in the last 3 months and my score keeps dropping. Even was denied a loan because of these XXXX groups in XXXX. 
XXXX XXXX needs them to report correctly. 
They are quick to lower your score and take months to raise it after a mistake. 
Clean up your business! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (GA)

This debt is a collections account that was placed on my credit file. It is from Phoenix Recovery Group on XX/XX/2021 for the amount of {$1500.00}. The original creditor is XXXX XXXX. This account is not mine and I have no knowledge of this account. I have never had any business dealing with Phoenix Recovery Group or XXXX XXXX.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX : XXXX XXXX LOAN ( XXXX ) ~SLS LOAN ( XXXX ) RE : FRAUDULENT XXXX XXXX/XXXX XXXX/SPECIALIZED LOAN SERVICING INVESTORS HOME RETENTION GUIDELINES I contracted a 30 year mortgage loan of {$540000.00} with XXXX XXXX in XXXX guaranteed by the United States Government agency , Fannie Mae/XXXX XXXX to purchase a house in New XXXX , NY XXXX. 
In XXXX, XXXX XXXX secretly sold my mortgage to a private Investors, XXXX without informing me ; until XXXX when I came to find out from Court Documents from XXXX XXXX. 
I protested then, and was informed by XXXX XXXX that it would not affect me adversely and was the usual practice in the industry. XXXX XXXX elected to keep the role of Loan Servicer, after selling my loan to XXXX Investors. 
The borrower discovered recently that XXXX XXXX unilaterally sold my loan to XXXX Investors so as to remove the US Government agency, FANNIE MAE/XXXX XXXX guarantee that protect me against hostile predatory practices, without informing the borrower, and benefit from the CARES ACT and other provisions to alleviate the sufferings of Americans due to the Pandemic. 
The borrower would have elected to refinance the loan from another lender with the cover of the US government guarantee through Fannie MaeXXXX XXXX and benefit from the CARES Act ( para. 7 of Exhibit ) In XX/XX/XXXX, XXXX XXXX transferred the loan servicing, to Specialized Loan Servicing ( SLS ). XXXX XXXX also transferred my application for loan modification to SLS. 
SLS approved a strange retention program, which added a new balloon loan of {$380000.00} to the existing mortgage ( bringing the total loan to {>= $1,000,000} compared to the original loan of {$540000.00} ; and recall {$520000.00} had already been paid by the borrower towards the repayment of the mortgage ) as a condition for signing and extending the loan repayment from 30 years to 40 years. 
The borrower could not sign the so called approved retention program ; without the removal of the additional loan of {$380000.00}. 
In view of this anomaly, the borrower raised a petition to CFPB in XXXX, XXXX. 
In the response to CFPB dated XXXX XXXX, XXXX ( see Exhibit attached ), paragraph 7, SLS stated that : 1 ) The Cares Act and other applicable United States Acts to protect consumers are not applicable to this loan, because it is no longer owned or guaranteed by a government entity- Fannie Mae/XXXX XXXX . It is now governed by the Investors Guidelines-XXXX XXXX  XXXX, XXXX XXXX, as Trustee  for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 

XXXX XXXX The XXXX Investors guidelines have their tailor made modification that does not consider income or expenses in the review process unknown to the borrower. Meanwhile the borrower was made to submit their documentation on income and expenses in the loan modification application.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (MI)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-10-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

I have a crypto trading account on the Binance.US platform. 
Yesterday ( XX/XX/2022 ), I received an email from Binance.US informing me that they mistakenly distributed the wrong amount of the XXXX XXXX to my account on XX/XX/XXXX, giving me XXXX XXXX instead of an unspecified lower amount that they should have sent. 

Binance.US informed me that they need to withdraw the excess ( estimated at about XXXX XXXX ) from my account to correct their XX/XX/XXXX error, and told me that all trading and withdrawals on my account would be disabled until they make that withdrawal. The message provided no estimate of how long this might take. 

Unfortunately, in the more than one month between their error and them notifying me of the error, I sold the crypto coin in question and as a result no longer have enough XXXX in the account to cover their intended withdrawal. My account was frozen anyhow, along with over {$14000.00} in USD and other assets that I have there. 

I immediately attempted to contact Binance.US customer service for instructions and/or an estimate on the duration of the suspension, but was only able to submit a ticket requesting a contact by their support team. I submitted that request with full details of the issue, but as of today XX/XX/2022, I have not received any response whatsoever from Binance.US. As a result, I remain unable to trade on the account or access the funds that I have stored there, and have no idea when I'll be able to access my money.

TL : DR : Binance.US made an error in depositing $ XXXX {$60.00} worth of excess XXXX to my account on XX/XX/XXXX. They froze my account until they can withdraw the excess coins resulting from their error, but due to them not notifying me of their error for over a full month the account no longer has enough of that specific coin to cover their intended withdrawal. My account valued at over {$14000.00} USD remains completely locked and my funds inaccessible to me, but they have provided no additional instructions, estimated date of resolution, or any response whatsoever to my customer support inquiries. 

As a result, I risk substantial additional financial damage due to my complete inability to access the account during a period of high market volatility. 
The poor service and communication displayed by Binance.US is completely unacceptable for any financial institution or trading platform, and more than 24 hours after contacting Binance.US about the matter I have yet to receive any response.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TX)

I am an XXXX XXXX XXXX member. I have a been receiving a recurring charge from Experian on the XXXX of each month from your company since XX/XX/XXXX to XXXX XXXX and I DO NOT have an account with them. I have called several numbers for them but there is not an option to speak with a live representative. The hotline prompts me to log into my account but how can I when an account does not exist. I know my credit score is great and my banks provide the service for free. I want to report fraud on you all because I want to know who is using my bank card information to acquire an Experian account, membership or what ever. I want answers ASAP. I called several times they won't answer, nor did they respond to my XXXX complaint # XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I contacted the company to get my XXXX report but due to me having a new last name they haven't updated it at all, I explained to them that I sent in my information but it wasn't updated at all. I can't apply toanything due to this because they have no record of me.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer agency can not furnish an account without my written instructions.

Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc (NY)

Multiple MasterCard credit cards received in the mail from Venmo that I didnt apply to. I requested Venmo provide me with information on wether or not this is a glitch in their system or if it truly appears there is criminal activity. Venmo did not respond. They did close the credit card accounts but that is it. I received twelve credit cards with different account numbers on them. All with the same name except one has a different name. At no point did I ever applying for the Venmo Credit Card, nor did I authorize them or XXXX XXXX to share my Venmo account and personal information.
Consumer complaint received 2019-07-31
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 (IL)

On XX/XX/XXXX on around XXXX I have called customer service billing dispute to dispute a charge. The charge was for the item purchased on XXXX from the XXXX vendor and the amount was {$24.00}. After the long wait I was finally speaking with the representative who without warning put me on a very long hold and then subsequently the call was disconnected. 
I called again and was informed that the dispute was not finalized. When I brought an issue of professionalism and respect by which cardmembers should be treated ( I am a cardmember in good standing since XXXX ) I was told that I will be transferred to the supervisor. The person who I was transferred offered variety of excuses and still didn't process the dispute as requested. Also I found out that the person being transferred to is not a supervisor. The third person on the call, and the fourth in the chain finally identified himself as XXXX and apologized for the issue however the dispute was not finalized. 

Questions to the Discover Card : 1 ) Why its employees feel they can disrespect consumers such as this and why the dispute billing system is not capable to be handled in an efficient and timely manner? 
2 ) Does Discover does this on purpose to have the people being discouraged to filing the chargebacks for items they ordered and never received? 
3 ) If the call met or did not meet the Discover Card 's professional service standards can you please let me know what are? 
4 ) What is the simple billing dispute charge have to be handled by two separate calls involving 4 people? 

Very much looking forward to the response. Thank you, XXXX XXXX
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was victim of a fraud in my housing search. 

It all began on XX/XX/XXXX when I saw a post on a XXXX group of an apartment. The announcing profile was XXXX XXXX and she sent some nice pictures of a property located in XXXX XXXX XXXX ( XXXX XXXX ), XXXX NY. Everything seemed organized and we agreed to a price for rent and deposit. I asked for some support documents that were sent and I finally transferred {$1400.00} on XX/XX/XXXX. Today the person asked for an additional transfer and it seemed suspicious to me so I asked for a property certificate which was sent but it looks like a fraud. 

This is the XXXX account I transferred money to : XXXX, via the Bank of America XXXX. 

I transferred the money and filed a complaint with Bank of America, but there answer was that the money had already been accepted by the recipient. The bank did not take any positive action to request XXXX to cancel the fraudulent account.