davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (PA)

Through use of the Binance.US IOS mobile app, on XX/XX/2021 at XXXX EST, I authorized a {$600.00} USD ACH purchase from my XXXX XXXX account for a purchase of XXXX XXXX token, although I was double charged for this transaction of {$600.00}. 

My XXXX bank account received two ( 2 ) ACH debits of {$600.00}, totaling {$1200.00}, whereas my Binance account was credited only one ( 1 ) {$600.00} deposit, totaling {$600.00}. 

Upon noticing the completion of two ( 2 ) ACH debits within my XXXX XXXX account and understanding there was a double-charge of {$600.00} I then requested XXXX remove XXXX transaction to correct my bank account. 

Please note - I also took immediate action to notify Binance.US prior to resolving with my XXXX XXXX. I still do have an open support ticket # XXXX, which still has yet to be addressed. 

I find it important to note that Binance.US provides no support whatsoever. They do not list any working customer service line and any email or support inquiry goes without response. Recently i've uncovered dozens of individuals whom still have outstanding support requests from months ago, and with several hundreds or thousands of dollars either improperly frozen or removed from their account. Additionally, upon reaching out to Binance.US 's XXXX account to inquire about support issues they immediately proceeded to block me for no reason. It's fair to say that I am concerned with my account being abused or hijacked by the company and then having no channel to rectify the issue. 

I kindly ask for assistance in investigating their misconduct and that Binance.US take the appropriate action in reviewing my Binance.US account 's deposit history. They will easily see that I have only received one ( 1 ) ACH deposit of {$600.00} into my Binance account, to which Binance has received one ( 1 ) {$600.00} ACH deposit from my XXXX XXXX account. There is clearly no outstanding amount due to Binance and I request that my account can proceed as normal. 

I've attached documents to refute my claims. Please advise upon receiving feedback, Thanks.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In speaking with the RUDE US Special Handling Supervisor XXXX XXXX regarding the re-insertion of the fraudulent inquiries and the incorrect information provided to me on how this issue will be resolved including the Supervisor XXXX XXXX engaging in a debate with me and essentially hanging up I decided to escalate this issue. Consumers should never be treated with such DISRESPECT especially from someone in a position such as a Supervisor. 

On XXXX XXXX, 2017, I discovered XXXX inquiries were removed and re-inserted into my credit file but XXXX out of the XXXX inquiries re-inserted were FRAUDULENT ( documents on file ). TransUnion is aware of the glitch and has failed to notify me within five ( 5 ) days of re-insertion. TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete all XXXX inquiries immediately.
Consumer complaint received 2021-09-02
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. (SC)

I have collections from XXXX amount {$940.00} originally disputed XXXX successfully taken off my XXXX  and XXXX  by the collection provider & they been sent info to have it removed from transunion. Transunion somehow has not take it off my credit report. Already disputed that it was not mines since i've never had XXXX. attached is the dispute letter that was sent.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX XXXX. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all 3 credit bureaus ( Equifax, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Consumer complaint received 2023-08-14
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: Fidelity National Information Services, Inc. (FNIS) (AL)

Upon checking my consumer report i see that there are a lot of fraud account names address and inquiries that i did not do. I am a victim of identity theft. I have tried calling chex systems to no look. I have been told that they do not have a fraud department and that i would have to do a dispute online. I am currently looking at my report now and there are phone numbers, inquiries, emails, addresses and other on my report. At this point i am seeking compensation of {$1000.00} and for the fraudulent information to be completely removed and to not be put back on my report. I have also tried to work with all the creditor who pulled my chex systems to no success. I also called the credit union that is reporting on me to have them removed this false information to no success.
Consumer complaint received 2019-01-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus ; asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent them. THey have not yet responded.
Consumer complaint received 2022-07-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OK)

i recently received my credit report and it indicated that my account with Chrysler was deliquent, i have never been deliquent and it stated the date of XXXX XXXX and the balance XXXX. I have a car i am financing with but that is the incorrect amount and i have never been late with the company. I contacted Chrysler and they do not show that amount or me ever being late.
Consumer complaint received 2021-04-14
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: Santander Consumer USA Holdings Inc. (GA)

Account name : XXXX XXXX XXXX. 
Amount : {$4200.00} I've never heard of this company. I've never done business with this company. I don't have any contract signed with the company. I believe that this is a scam.
Consumer complaint received 2019-06-11
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. (MD)

I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : XXXX XXXX ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Thank you.
Consumer complaint received 2022-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : Capital One ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Thank you.
Consumer complaint received 2018-09-11
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 have had on several occasions noticed accounts appearing on my credit file over the last 5 years an many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never appeared on my file as they are fraudulent and misleading about my credit worthiness.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from my credit report.
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

I have sent information to both the creditor & credit bureau regarding this violation. Holloway Credit Solutions has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. Holloway Credit Solutions did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

I am writing to file a formal complaint against IQ Data International Inc. for reporting inaccurate and outdated information on my credit report. This issue has caused significant distress and inconvenience, and I am seeking your assistance to rectify this matter promptly. 

The details of my complaint are as follows : Account Information : Creditor : IQ Data International Inc. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Nature of the Complaint : In XXXX, I resolved the outstanding balance on the above-referenced account in full. Prior to the payment, the account was removed from collections. Despite this, IQ Data Inc. continues to report this account as delinquent on my credit report, which is not only inaccurate but also outdated.

Impact on My Credit Report : The incorrect reporting by IQ Data Inc. has adversely affected my credit score and has caused unwarranted harm to my financial reputation. It has also resulted in difficulties obtaining credit and other financial services, as potential creditors are being misled by the incorrect information. 

Actions Taken : I have contacted IQ Data Inc. directly to address this issue but have not received a satisfactory resolution. 
I have also disputed this inaccurate information with the credit reporting agencies, yet the incorrect data persists on my report. 
XXXX XXXX  : I request the Consumer Financial Protection Bureau to : Investigate IQ Data Inc. 's continued reporting of incorrect and outdated information on my credit report.

Require IQ Data Inc. to correct the inaccurate information and update all relevant credit reporting agencies to reflect that the account was paid in full and is no longer in collections. 
Ensure that IQ Data Inc. takes measures to prevent such issues from recurring in the future. 
Enclosed are copies of relevant documents, including proof of payment, correspondence with XXXX XXXX XXXX XXXXXXXX and IQ Data Inc. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've had several cards with XXXX XXXX and at least three I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine.
Consumer complaint received 2022-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SFMC L.P. (TX)

I have been trying to get a resolution for a modification with my mortgage for over 2 months with no end. Starting XX/XX/XXXX. I tried to call and make a payment with Service First Mortgage. After being denied to make payment I received a letter in the mail Dated for XX/XX/XXXX for a Face to Face Interview. Then another letter Dated XX/XX/XXXX and mailed stamped XX/XX/XXXX for a Notice of Acceleration with no Good Thru Date. When I called Service First they referred me to the Law Firm handling this account. I have spoke since XX/XX/2022 with law firm with a XXXX XXXX on the phone and thru email constantly with them and they were also having a difficult time getting information from Service First. After a month of correspondence with the Law Firm they finally received information and a quote for reinstatement. The Law Firm then told me to go to Loss Mitigation. I requested the packet and explained the situation that I work in the Oilfield and have to electronically sign documents due to the fact I work in areas where printers are not available. Then nowhere on the packet states that a electronic signature is not accepted, but now are saying that certain documents cant be signed electronically. My wife has called daily since XXXX to Service First and constantly gets several different answers from several different people in Loss Mitigation and Foreclosure. Foreclosure department even hung up on her. When she has asked several times to speak to a Supervisor no one calls her back. This is getting ridiculous and I need help. My Loss Mitigation was submitted on XX/XX/2022 with everything requested on application and now they keep giving me the run around. I need help! All I want is to get a modification to keep my home.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted XXXX and they said I have no stop payments but Bank of America is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at XXXX has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at BofA, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by Bank of America 's fraud. My credit score is XXXX, now it dropped to XXXX.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Well for the last few months I have been sending Trans Union, XXXX, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXXXXXX XXXX   account number XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting accounts on my credit file that are no longer owed. I ask that they remove these accounts as they have been satisfied. I am aware that Express Recovery can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce removal of this debt, not excluding legal suite against Express Recovery. Please remove the accounts.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MD)

I keep getting calls from Harris and Harris collection agency on a daily basis claiming that I owe for calling an ambulance in the XXXX XXXX  area in XXXX, I have no idea what this is for and have never ever called for this service, they obviously have the wrong person and they can care less, I have requested that they remove me from their calling list, I was told t that the company got my name from XXXX  for my name and based on that found me and keep harassing me on a daily basis, please put a stop to this type of abuse by this company.