davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
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 am a victim of identity theft, I am tired of going back and forth with this company and get nothing. I want these items removed, They are breaking the law reporting inacurrac=te information, Nonne can tell me who was contacted. how it was verified, and I don't want ti was verified by the computer e Oscar, I want a person who was spoken to and all information. I have done my own research and I know they are fraud, REMOVE FROM MY REPORT
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (AZ)

I have an account with Binance.us, it's the USA version of Binance.com for US based customers and have over XXXX in there. 

I tried logging in almost 2 months ago but got a message saying my account was locked with no explanation as to why it was locked. Opened a ticket to get it resolved but it's nearly 2 months later and still nothing. 

They did respond to me a month ago but only said it was being looked at and no communication since. Here 's a screenshot : https : XXXX XXXX case number is XXXX. 

TONS of people are having the exact same issue of being locked out of their account, many even longer than me. I've tweeted at their CEO and on their official XXXX account, have brought up my issue on their XXXXXXXX sub like many others have and still nothing.
Consumer complaint received 2023-08-10
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. (SC)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
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. (PA)

I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my  credit score . I filed a dispute with the credit bureaus with documentation, but it has gone no where.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  XXXXXXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company (TN)

To whom i t may c oncern : Statebridge Company made a major error on my account ( see attachment ). This error caused m y credit score  to plunge  XXXX  Points.  Statebridge cl aimed that I have been 60 day late when in fact I 've never been 60 days. I was 1 day late for the month o f  XX/XX/XXXX   because  XX/XX/XXXX  was on a Monday when we attempted to pay on Friday   XX/XX/XXXX .  They need to contact both major credit reporting agencies immediately and have this corrected. I 'm applying for a home loan and this bad information will cost me a ton as a result of interest rate or being disapproved. I 'll need to hear back them soon I will file a complaint with the OCC and the  Consumer Protection Bureau an d sue for any damages. -  XXXX   XXXX
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (IL)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-11-02
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. (IL)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX CARD XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

O n  XX/XX/16  I made  out a Check to  XXXX   XXXX , which he never received. However, on   XX/XX/16   , so meone went to Bank of America and cashed this check without an endorsement.   XXXX   XXXX  , who is my bank should have never accepted this check back from Bank of America without an endorsement and now they will not give me my {$800.00} back. They advise me that Bank of America is doing a fraud search. That should not be my problem. They do n't care because they are not out {$800.00}. I should be given my money back plus interest. It is now  4 m onths and they have no intentions of doing that. What are my rights? How can they get away with that?
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (CA)

I was informed by a debt collection agency ( Midland Credit Management ) that they want to obtain payment from me in the amount of {$660.00} for a credit card opened in my name in XXXX of XXXX. I told them that I had not opened a credit card that whole year. They checked their records and concluded that their records were accurate. The address they had on file was XXXX XXXX XXXX XXXX, CA XXXX. This is the address of my ex-wife whom I divorced in XXXX of XXXX. Her name is XXXX XXXX ( aka XXXX XXXX, aka XXXX XXXX  ). I believe that she opened a credit card with my information without my permission. 
The credit card account is : XXXX XXXX Bank Credit Card XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

I am writing to dispute a account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with Security Credit Services. I am not responsible for any payments for this account XXXX. I have no business with Security Credit Services. Security Credit Services is " third-party debt collector ''. I do not have a loan or contract with Security Credit Services or owe a debt to Security. Security Credit Services is attempting to collect a debt on the basis of fraud. Security Credit Services decided to ignore my demands for Validation with Notice and Demand to Cease and Desist Over the past several months, I have tried to resolve this issue on XX/XX/2021 letter to CEO but to no avail, refusal. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) XXXX copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with Security Credit Services of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy.unjust enrichment, fraud on the homeowners and consumer. Security Credit Services actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to Security Credit Services. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (NC)

Applied for an apartment for which I was denied based on a credit reporting item on my credit profile. In reaching out to the rental source that obtained the information, it referred me to reach out to Experian. In reaching out to Experian experienced very rude representatives as well as the the information regarding the XXXX XXXX XXXX via the phone call to Experian was never addressed, nor was any information verified regarding the collections company or source for the item listed on my credit file for XXXX XXXX XXXX. In following up with the Consumer and initiating a complaint onXX/XX/XXXX it was responped back to CFPB that the collections item had been confirmed and verified and a letter had been sent to me regarding this. To date no letter has been sent to me to confirm the XXXX XXXX XXXX debt, nor has any collection service verified or sent any type of correspondence confirming the source of this debt. This is the second attempt to address this concern and to get it removed from my credit file, since no correspondence has been provided to me to confirm this debt as was advised to CFPB that this step was taken.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TH Professional & Medical Collections LTD (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2016-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, a man walked into a TD Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not " electronic '' I informed the bank supervisor that TD Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (GA)

I, Consumer XXXX d/b/a XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with American Express in which multiple federally protected consumer rights were violated. On XX/XX/2021, American Express received documents on my behalf via USPS. One of the documents included a debt validation letter. At the end of this letter, I respectfully demanded that payments made on my behalf to this disputed " alleged debt '' be refunded by check payable to XXXX XXXX XXXX. These demands were made pursuant to 15 USC 1692h which states : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. To date this has not been done. 

In addition on XX/XX/2021, American Express violated my consumer rights by threatening to take legal action if this alleged debt became past due by placing with a legal collections agency. I understand that this violates 15 USC 1692e ( 5 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

On XX/XX/2021, a representative from American Express expressed to me that they are handling my account in accordance to ALL applicable laws and regulations. This bold statement informs me that they are knowingly and willfully violating my federally protected consumer rights.
Consumer complaint received 2023-08-10
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. (GA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud o

r extortion.XXXXXXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-20
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: MicroBilt / PRBC (formerly CL Verify) (MS)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX MICROBILT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-20
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: Army and Air Force Exchange Service (NY)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Attention : XXXX  Dispute Department Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-21
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. (NV)

I review current copy of my credit report and show inaccruate information. I sent dispute with no reply and show it has been more than 60 days. Account name XXXX XXXX XXXX  Account number XXXX. Is show as a chargeoff account with an open balance reporting in the amount of {$2500.00}. I understand this is a direct viloation of FDCPA and that no chargeoff can report a balance and it must show as {$0.00}.
Consumer complaint received 2021-05-21
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: National Credit Adjusters, LLC (TX)

XXXX XXXX  has admitted to " placing '' my personal information about an alleged outstanding debt incurred in complaint # XXXX however, according to 18 USC 1028A : Aggravated Identity theft ( a ) Offenses. 
( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

They have illegally placed my information with National credit Adjustmers as well as XXXX XXXX, both violations. Also, they stated because the debt was " assumed '' to be valid when I did not dispute it in time, they ignored another law- 15 USC 1692g- Admission of Liability Failure to dispute may not be construed by any court as admission of liability. 

XXXX XXXX has infringed on my right to privacy and shared or " placed '' my information with a company I know nothing about who is now reporting negative information to my consumer report as if I owe them! I will be pursuing remedies for the violations done.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONLINE Information Services, Inc. (FL)

On XX/XX/XXXX I received a notification from XXXX XXXX that my scores got down due to a collection agency reporting a debt. Right away I opened the site and showed ONLINE INFORMACION SERVICES, named as ONLINE COLLECTIONS who flagged my account for a debt of {$93.00} and another for {$270.00}. I opened the XXXX credit Bureau XXXX XXXX and XXXX and showed in all of them with a drop of XXXX point of my score. I had no idea what was this, so I opened a dispute to XXXX XXXX XXXX  as an Unfair debt. Right away I called this company as their information was showed in the report. I spoke with a representative named XXXX, she told me they were representing XXXX XXXX XXXX with a " legit '' debt, I explained to them that I have NO DEBT with them or any XXXX XXXX, since the last time I received services was in XXXX XXXX XXXX XXXX and my debt was totally with {$0.00} balance. The person asked me to send them a verification of that, which I agreed to do. Right away I called to DIAGNOSE IMAGING SERVICES and spoke with XXXX XXXX from billing department, they told me that I owed a service offered by their radiologist in the Hospital on XX/XX/XXXX and XXXX, XXXX. I explained to them that I had a letter and the information of the Hospital showing my entire balance in {$0.00} after I received Financial Assistance. XXXX XXXX told me then to send them those documents, which I agreed to do. Right away I called also to XXXX XXXX XXXX XXXX, and spoke with the billing Department representative XXXX, who verified for me that I had NO DEBT at the present moment, and she mentioned having no idea why this went to collection. I asked her to send me the prove that my account was with {$0.00} balance, and she did it right away by send me the bill through my email. Using that information, I wrote a letter to XXXX XXXX XXXX ONLINE INFORMATION SERVICES, XXXX XXXX XXXX, with copy of the documents and all that I have explained here. Still as yesterday Mat XXXX I saw ONLINE COLLECTION flagging me again through XXXX and my credit was XXXX. I got so frustrated because I am trying to get a second job and this unfair report is showing wrong information. Today XX/XX/XXXX I called again to ONLINE INFORMATION SERVICES and spoke with XXXX, and I explained to her again about all I mentioned here. I am not sure if they have not received my documents yet. I went online to look for who is this collection company and what is the veracity of their action, and for my surprised I saw they have already complaints reported here in CFPB. If you need me to send you all the documents to prove that at this present moment I have my balance in {$0.00}, please let me know. As well, as I am asking for help to clean again my credit and allow me to continue building my credit as I have been done even during the difficult time we all went through during pandemic. THANKS for helping us as consumers with this unfair situations. Blessings.