davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
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. (TX)

I was granted back in the enitre year XXXX due to the Pandemic of COVID, forebearance & hardship from XXXX on my Mortgage and any and all late or missed payments are not to be reported to any of the 3 reporting credit bureau per the forbearance law that the president signed. Experian is the only Creditor that is still reporting and hurting my credit for the year XXXX. This epidemic started back in XXXX, XXXX, XX/XX/XXXX. I am requesting the late payments be removed from my credit report ... ..for the year XXXX. My office work of Employment closed and all workers were force to work from home. I called and wrote to XXXX about my mortgage, early in XXXX and was granted forebearance due to Covid from the beginning of XXXX and continued into XXXX of XX/XX/XXXX. My common law spouse also listed on the mortgage XXXX XXXXXXXX XXXX  of XXXX XXXX in the middle of the worst of the pandemic. XXXX XXXX was XXXX XXXX at XXXX XXXX in XXXX and worked in the COVID ICU WARD. This Hardship I wrote to XXXXXXXX XXXX was granted to extend to XX/XX/XXXX, in which the Mortgage was THEN paid off in full on XX/XX/XXXX,.
Consumer complaint received 2020-06-05
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}
Consumer complaint received 2022-06-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Consumer complaint received 2020-06-05
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}
Consumer complaint received 2022-07-03
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX 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
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (VA)

I am writing to file a complaint against Binance.XXXX Their official name and address are as follows : BAM Trading Services Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. 

Recently, Binance.XXXX has stopped allowing " withdrawals due to risk management. '' This has prevented customers from withdrawing assets to either sell them for cash or to transfer those assets to a more reliable exchange. 

The only ways to contact Binance.XXXX is via social media and by online ticketing system. They have no phone number to speak to a live person. Responses by the Company have been non-existent. 

If you look at their XXXX page, you will see that customers have been waiting for weeks and months to withdraw their funds. Some people depend on these funds ; hence why they invest in the first place. 

Binance.XXXX has not even sent out a blanket statement on what customers should do if they have this message. Everything is at the mercy of customer support and they are not reachable. 

I ask that you contact BinanceXXXX to have them allow customers to have total access to their assets without any further delay. Some customers have major payments they have to make and their funds are locked within the BinanceXXXX system without a care or explanation from the Company. 

Any quick assistance would be welcomed in this matter. Many of us who have been waited are worried as to what may happen with our assets. 

Thank you.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

During the time of the Covid-19 PHH Mort Svs or XXXX told me that my late payment will not be report as delinquent on my credit report. I call in XX/XX/2020 ( to inquire about plans for Covid-19 ) and then I called XX/XX/2020 to see if account was current and it was and that no delinquent information was reported to my credit. Looked at credit report on XX/XX/XXXX and all three months were reported.
Consumer complaint received 2022-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (GA)

XXXX XXXX : XXXX I reject your offer to contract. I have not given my lawful authority for any nonaffiliated third party to be in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I have reasonable cause to believe that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX have all conspired to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file suit for intentional infliction of emotional distress.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I NEVER GAVE YOU WRITTEN NOR ORAL CONSENT TO PLACE AN EXTENDED FRAUD ALERT ON MY CONSUMER FILE PURSUANT TO THE FCRA. I DEMAND THE REMOVAL OF THE EXTENDED FRAUD ALERT. Thank you. Peace and blessings!!!
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

My complaint is with JPMorgan and Chase and XXXX. XXXX  continues to report misleading credit information on their fee for service site. XXXX. Credit scores and account information on their website contradict and are completely different then what is reporting to agencies such as JP Morgan and Chase and XXXX. 

XXXX  displays more positive account reporting. After attempts to be approved for tradeline credit based on their fee for service account, lenders such as JP Morgan and Chase report back with profoundly lower credit scores and defamatory credit information such as recent delinquencies, bankruptcies, chargeoffs as well as low available credit. I was also informed by XXXX XXXX  uses a 3rd party called XXXX. I have never initiated nor authorized any services from XXXX. XXXX has blocked and flagged my individual personal credit as problematic, high risk and extrey derogatory. Neither JpMorgan and Chase nor Experian have credit score information and scores matching JpMorgan and Chase ' letter of declination. I find this practice to be fraudulent and quite discriminatory. I'm a conversation with the lending representative, he could not answer many of my questions of standardization of credit approval. He said it is case by case and based on reporting from XXXX. The same website reporting contrary information. I paid this company XXXX a month to monitor my credit ACCURATELY. Their ratings are noticeably lower than XXXX  and XXXX  in my case. None of the scores listed on any of JPMORGAN AND CHASE 'S declination letters matched XXXX  customer reported information. Nor did JP Morgan Chase 's credit journey third party site.
Consumer complaint received 2022-07-03
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: Resurgent Capital Services L.P. (FL)

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX, Resurgent Receivable, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Consumer complaint received 2020-06-05
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: BARCLAYS BANK DELAWARE (TX)

I would like assistance with disputing a charge on my account for {$16000.00}. It was paid to XXXX XXXX XXXX XXXX on XX/XX/18 and XX/XX/18. In total they charged me {$16000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Consumer complaint received 2022-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Sometime last year, my loan servicing was transferred over to PHH Mortgage. Almost instantly, I started to receive a barrage of emails, and postal letters, and even phone calls trying to upsell me and sending unsolicited requests to try to refinance my house. When i say a barrage, I mean EVERYDAY I would receive a new message in postal mail, and several times a week I would get emails about home mortgage refinancing ... home equity loans... literally anything and everything you likely never wanted to do with your mortgage. It was unending. To the point that I finally reached out to PHH and requested they stop. I got an email saying they would. The torrent subsided slightly... but only slightly. I can not get off their mailing list. I can not seem to get it through their heads to not call me on the phone to try to sell me on some XXXX  mortgage product. They seem to survive by harassing their own customers. I just want to be left alone.
Consumer complaint received 2022-06-29
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. (TX)

I have submitted the attached letter on XX/XX/2022 to TransUnion. Additionally, I submitted evidence that the account in question is closed and no longer active. 

However, TransUnion continues to report as an open account and it is negatively affecting my credit. They have not responded. 

They have not responded and have not removed this from my credit report. 

Please assist me in having this account removed from my credit report. 

Thank you!
Consumer complaint received 2022-07-03
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. (NV)

N 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 a account without my written instructions.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2022-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One, XXXX XXXX XXXX, and XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Consumer complaint received 2022-06-29
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. (MI)

on. for 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 XXXX XXXX  ( FINANCE ) = XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate correction of the items in question.
Consumer complaint received 2022-06-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc (IL)

I am submitting another complaint against MCA Management previous complaint number XXXX ). 
The alleged debt MCA is ruining my financial reputation for, was never validated by me, the Consumer! Per Federal law, the Consumer is the only one who can validate an alleged debt! Not even a COURT OF LAW CAN DO SUCH. I have disputed several times and yet they continue collection activity. 
I have sent multiple validation letters since XXXX and they have never provided any permissible purpose for this alleged debt. They have not provided documentary evidence of an agreement between their Company and myself indicating that I gave them the express written consent to access my nonpublic personal information, or furnish ANYTHING to my credit without my consent! They don't possess such authority. 
They claim the laws I have cited do not apply to them which is FALSE! They are governed by the FCRA and FDCPA, and these laws do in fact apply to them. 
Additionally, if this transaction is FACTUAL ( which has not been proven ) it STILL should not be on Consumer report! The law says just that! Factual non public personal information SHOULD not be furnished to my Consumer report without my consent. Transactions are considered non public personal information. There is nothing in the FCRA or FCDPA that says they can furnish ANYTHING on my behalf without my permission! I decide what goes on my Consumer report, not them, or any CRA! 15 USC says that my report is to be fair and equittable to me, the Consumer. What they are doing is unlawful and it needs to be addressed properly. They can not provide me with any proof that they are lawfully operating in accordance with the FCRA and FDCPA. 
Additionally, they claim this debt is mine, and was not paid but what probable evidence do they have indicating such? None whatsoever. 
They are using unfair, extortionate means to attempt collecting on alleged debt which against the law and my rights as a Consumer. 
They have broken the law! 
And them hanging up in my face, continually and then blocking my number for exercising my RIGHTS was uncalled for. I put the BURDEN OF PROOF on them and it obviously intimidated then. How is it harrasment to call and demand answers for why they are attempting to ruin my financial reputation. They are a debt collector which means they are governed by the FCRA AND FDCPA, yet they refuse to follow the law. They even told me, they don't have to follow any of the laws I've indicated which is false! 
I have attached the letter and email sent back in XXXX requesting disputing alleged debt as incorrect, and requesting validation.