davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NJ)

( 1 ) On XX/XX/2021, I had transferred {$3600.00} into my Binance.US account from a Binance.Com account. Binance.Com showed that the transaction was successful on its end but Binance.US showed it as a failed transaction and has refused to credit my account. Binance.Com has indicated that the currency is now with Binance.US. 

I have attached a screenshot from Binance.com that shows that the transaction was successful on their end and also the receipt from Binance.US that says the transaction failed. 

I immediately reported this to the company and all I have gotten all day is bot response. 

( 2 ) I also attempted to withdraw funds in my account about {$2900.00} and I was not allowed to as my withdrawal rights had been suspended. No explanation has been provided.
Consumer complaint received 2021-01-22
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. (FL)

I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this as soon as possible.
Consumer complaint received 2021-04-02
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: TSC Accounts Receivable Solutions (CA)

I have made several efforts to resolve this matter directly with TSC Accounts Receivable Solutions. I have never done business with this company and there is no signed agreement with company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.
Consumer complaint received 2021-04-02
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. (LA)

This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.
Consumer complaint received 2021-01-22
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. (FL)

I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this as soon as possible.
Consumer complaint received 2021-09-10
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. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I made a timely payment on my online banking on X/XX/17 to  XXXX for my life insurance policy. My bill pay set up apparently had an old address in the system which was no longer good. [ That was an oversight on my part. ] Since the address was old and the mail was no longer being forwarded to the new address, it was returned to my bank. Citibank NEVER notified me that the payment had a problem. I was not aware that this payment was returned to my bank for want of a better address until I received a letter from XXXX notifying me that my life insurance policy had lapsed. Now it is cancelled and they want me to re-apply. I do not think it should be acceptable in 2017 that a major banking institution would not be required to provide me with notification in writing that a payment I sent out was returned. This should be a requirement. Their answers was basically that they are sorry but because I did not have a box checked in my online banking that I wanted to have an email sent to me when this particular circumstance arose I was out of luck. Mind you, I had NOTHING checked one way or the other as I never utilized this set-up. They were free to contact me via mail, email, phone, etc. but did not and I have been harmed irreparably. I would like you to force them to institute proper policies and procedures for their customers.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

Since my TD account has overdraft fees and overdrawn due to fake checks that scammed me in 2022, my accounts are both closed in checking and savings accounts and therefore can not be able to open not even a standard account in any of these local banks that we all use to protect our money! My account has been closed not locked but closed and banned, and this requires a solution as soon as possible because these mainstream banks are the forefront of the future and Im basically put out of it. Therefore a solution must be presented by you guys the heroes! Need you now!
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (MO)

On XX/XX/3021 My account was hacked. I woke on XX/XX/2021 and checked my account and all my money was gone. I contacted my card company and filed a dispute, I was told that I WILL get a provisional credit applied to my account if I provide my dispute form within 10 days. I said ok and sent the card company my dispute form. So now here it is XX/XX/2021 and I was told the dispute team made a decision on XX/XX/2021 that my claim was denied. I informed the rep that when the money was taken out of my account I was sound asleep due to the fact that I had to work the next morning. The reason they say I was denied was because the merchant told them that I was aware of the charge, but that is not true. I asked for the merchants info and the card company could not provide me that info. So as you can see I am clearly frustrated about this issue. I have bills to pay.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OH)

I filed a complaint previously on United Wholesale Mortgage for the erroneous filing and collection of property taxes against my mortgage. They have not rectified their error and are continuing to secure escrow reimbursement by doubling my mortgage payment for more than 3 months ongoing. I have uploaded receipts that the taxes were paid by me on XX/XX/2021 to their website in XXXX. They charged my mortgage escrow property taxes for 9 other additional properties I own including one I do not own. A refiled legal description removed the additional 9 parcels however I have not received credit for the property taxes i paid personally nor a refund for the taxes paid out of my escrow account for a home I do not own that I am being billed for by them. There also has not been a credit to my escrow account for the refund that was issued by the county auditor for the taxes they erroneously paid. They are continuing to collect additional monies from me by doubling my mortgage payment to reimburse the escrow shortage issues. I have been charged and paid out over {$14000.00} as a result of their error over the past 4 months of finding this error. They said that the issue has been noted and that I would receive a revised escrow as of XXXX. Current online information shows no change nor credit to my escrow and that my due mortgage amount remains at the inflated amount.
Consumer complaint received 2019-11-10
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: EQUIFAX, INC. (CA)

Equifax has deleted '' XXXX XXXX XXXX '' due to it's innacuracy and it not being my account. '' XXXX XXXX   XXXX XXXX XXXX XXXX '' is a different name same account number as '' XXXX XXXX XXXX '' both accounts have the account number XXXX. One has been deleted due to wrong innacurate and fraudulent reporting that would be '' XXXX XXXX XXXX ''. But " XXXX XXXX XXXX XXXX XXXX '' is another name and has the same account and account number and has not been been deleted. I have written both Equifax and " XXXX XXXX  XXXX XXXX XXXX ''. About this issue and neither one has deleted this fraudulent irroneous account that does not belong to me.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AZ)

On XX/XX/XXXX I sent a validation of debt letter to NCA for which I have documentation they received the request on XXXX XXXX. They did not respond within the allotted time as per the Fair Debt Collection Act, 15USC 1692g ( Sec. 809 ). I requested that the account be removed. I received a letter from National Credit Adjusters ( NAC ) dated XX/XX/XXXX. Which is at least thirty ( 30 ) days past the due date. Not only did this letter not include the documentation to validate the debt. It was a request for payment attaching a bill statement. The following requested items were not provided ... 
1.Contract from the original creditor 2.Assignment contract between NCA and the original creditor 3.Evidense of their license to practice in my state 4.Alledged contract or other instrument bearing my signature 5.proof debt owed is within statue of limitations I sent a letter on XXXX XXXX for which I have documentation they received on XX/XX/XXXX advising them of this and reminding them of the guidelines set forth. I also advised if not removed from credit report ( XXXX ) that I will file a CFPB complaint.
Consumer complaint received 2019-02-27
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: I.C. System, Inc. (NC)

A collection item appears on my credit report I have contacted the credit bureau and the creditor requesting the item be removed as it is a fraudulent account opened in my name ... .The date the account was opened I was not of legal age to even sign a contract I asked for a copy of the contract bearing my signature and it was not provided ... I believe the account may have belonged to my deceased father XXXX XXXX instead of my self XXXX XXXX ... please remove this item ASAP I have provided drivers license to show proof of age and birthdate
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I noticed false information placed on my credit report. I am a visit to identity theft. and all my data has been sold to the XXXX XXXX  since XXXX. XXXX also has my knowledge on the XXXX XXXX which has destroyed my life to XXXX XXXX thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help because the name even my XXXX  is incorrect. i am not XXXX  I am XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes do not recall each date submitted but i have sent certified letters and emails, my letter was completely disregarded with no action, they will remove the record then report it again i also have the same record listed 2 times on my credit report.
Consumer complaint received 2022-10-08
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. (AL)

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. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2020-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There is an open XXXX XXXX account showing on my credit report that I have no recollection of every opening alongside two hard inquiries produced by them that I never requested. There are also two additional hard inquiries from XXXX ( XXXX ) and XXXX ( XXXX ) that were not asked for, yet somehow appear on my report.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TCF FINANCIAL CORPORATION (AR)

TCF IS REPORTING TO XXXX, AND NOW MUST BE DELETED MANUALLY BY BOTH PARTIES. LOAN NO.XXXX-XXXX. TCF MUST CONTACT XXXX  DIRECTLY IN ORDER TO UN SUPRESS MY CREDIT REPORT IN ORDER OF DELETION OF ALL TCF BANK ACCOUNGTS FROM CREDIT FILES ... SEE ATTACHED.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

We applied for auto insurance with XXXX XXXX. We were rejected and they sent us a letter explaining why and we see it has information that is not correct regarding one of our sons. There are 2 entries stating the same information unknown date, violation suspended license or other serious violation. We were on the phone with lexisnexis, XXXX - ID number XXXX. For over 2 hours. He could not find the violations being reported back to our current insurance or the XXXX. He said he can't fix it because he can't find it in the DMV file or credit report. He can not get us a supervisor manager or anyone. They refuse to fix send false information to agencies.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I filed a dispute in the EQUIFAX website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education when my application to the XXXX XXXX XXXX XXXX was approved. 

EQUIFAX contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. After filing a complaint with CPFB, EQUIFAX corrected the incorrect student loan accounts with XXXX, and finally reporting them as closed, transferred and with {$0.00} balance. However, EQUIFAX repeated the same mistake and now is reporting my student loan accounts as open and with balances with both XXXX  XXXX. 

That is incorrect. As I explained from the beginning, the Department of Education again transferred and paid off my student loans from XXXX  XXXX to XXXX on XX/XX/XXXX. Thus, the credit report should reflect just the XXXX student loan accounts with XXXX, which correctly are reported as open and with balances. However, all student loans with XXXX  XXXX should be reported as closed, transferred/paid off and with {$0.00} balance as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (WI)

Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( Equifax, XXXX, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call XXXX XXXX XXXX and was advised that my discharge status is in good standing and provided me a letter from XXXX XXXX XXXX. The XXXX XXXX XXXX said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from XXXX XXXX XXXX stating of the incorrect information being reported.