davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (CA)

XXXX debt sold it agin to credit control account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct # XXXX
Consumer complaint received 2021-01-08
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.REMOVE THE FRAUD ACCOUNT ASAP!
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I was sent an email about paying the closing fee on my home and it was fraudulent info given to me. I wired the money to the fraudulent account unknowingly. I contacted the bank and they would not stop or refund my money
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (TN)

XXXX {$4900.00} original Balance XXXXXXXX XXXX XXXX {$2200.00} original BalanceXXXX XXXX XXXX XXXX {$1100.00} original Balance- XXXX XXXX XXXX 
XXXX {$16000.00} original Balance- XXXX XXXX XXXX {$1200.00} original Balance- XXXX XXXX XXXX {$1600.00} original Balance- XXXX XXXX XXXX {$1000.00} original balance- XXXX XXXX XXXX {$650.00} original balance- XXXX XXXX  ( XXXX  ) Original debtor XXXX {$1400.00} original balance- XXXX XXXX {$610.00} original balance- XXXX XXXX XXXX ( XXXX XXXX XXXX I have contacted all of these company 's to recant my cosumer rights . They have failed to reflect them on my profile.I 've stated that my accounts should have been frozen. I have also stated that my reports are innaccurate. Their not reflecting true on my account. 


under the FCRA section 611 ( 5 ) ( A ) -you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified. 


FCRA 15 U.S.C 1681i, -Ever single one each any or all the unproven, none compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory, accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted. 


The following deterogatory accounts allegations are either untrue, unverfied, incorrect, incomplete, untimely, Not mine, NOT MY RESPONSIBILITY..
Consumer complaint received 2023-08-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (GA)

there is a XXXX dollar and change lien showing on my title report and its on public record. this is definitely a mistake and needs to be erased and re recorded for the proper partial claim that was given by hud, hud is not showing this amount anywhere this needs to be corrected as quickly as possible as i am trying to refinance and i can not move forward with this lien on my account please fix it.
Consumer complaint received 2022-09-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account & Wrong Information Reporting I have continually and ongoing have told Experian that this account is account does not belong on my report. I have asked the company to verify and yet again they are reporting the wrong information. How did you verify? but didn't notice that this company has the wrong address, wrong name on the loan and a few other discrepancies. There are names and addresses on the documentation they have provided that I do not recognize and have never been associated with, I and demanding you reinvestigate this account and update my credit report with this account removed.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (GA)

I have made several attempts to solve this matter with the company and the credit bureau Experian with no success. I have filed a police report for fraudulent account and the company still continues to report this account on my report incorrectly. I have been disputing this for years.
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

I did not receive any notices of this of this collection account and neither do I know what it primarily from. I had no knowledge of the amount of {$1200.00} ( in which this company is adding late fees to this closed collection account on several occasions within a month ). Upon researching, this company states that it is also collecting on the Behalf of XXXX XXXX XXXX XXXX ( This company can not be found to do business in the state of Mississippi. 

This judgement was placed on my Credit in 2021 damaging my credit score of tremendously decreasing it. I have tried to dispute this several times off of my Credit report, but the response constantly states that this belongs to me. They aren't advising how they have confirmed or to whom they have spoken with to acknowledge that this is my debt. However, I have recently researched that neither Wakefield & Associates LLC nor XXXX XXXX XXXX, XXXX are not licensed in the State of Mississippi.
Consumer complaint received 2022-09-23
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-07-07
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: NAVY FEDERAL CREDIT UNION (NV)

I purchased 2 tickets for XXXX XXXX back in XX/XX/2023 for {$320.00}. The show was in XX/XX/2023 and I never received the tickets. I contacted XXXX several times via chat asking for my tickets they told me that they were going to be mailed but they never was. Then I asked XXXX to let me get a refund, transfer, or sell the tickets but they wouldn't let me because they said they were being mailed. 7 days prior to the show they still were not mailed, I couldn't get a refund, transfer them, or sell them, so I reached out to XXXX again. A few days before the show they were available to mobile download and thats it. I couldn't use the tickets and so no one use the tickets. I disputed all of this with the bank, sent numerous chat messages between me and XXXX showing they wouldn't help me with the tickets. Eventually my bank credited me the money back {$320.00} after about a month after the dispute and I thought I got my money back. Recently, I noticed a withdraw on my account for the tickets again and so I called the bank and they told me that they were just balancing out my credit card account because I got a new card with updated expiration date and that I hadn't actually got charged again. Today, I got a letter in fact telling me they charged me again for {$320.00} saying XXXX didn't do anything wrong. It seems every time I have a dispute with my transactions my bank doesn't protect my purchases.
Consumer complaint received 2022-09-20
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. (PA)

All credit report agency are showing a XXXX XXXX that over 14 months ago. Ever month this cost me cause I was charged a higher interest rate or denied credit. Also Experian also shows affirm late which the company claims is false they don't report to credit report agency.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting duplicate Hard Inquiries reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2 016, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g   XXXX  / XXXX /2016 and  XXXX / XXXX /20 16, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2016 , I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g  XXXX / XXXX /2016 and  XXXX / XXXX /201 6, I have requested one of these inquiries be removed as it is a duplicate entry.
Equifax is reporting duplicate Collections reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   collection reporting   XXXX / XXXX /2016, I  have requested  XXXX  of these collections be removed as it is a duplicate collection.
  XXXX   XXXX   XXXX   XXXX   -   XXXX   collection reportin g  XXXX / XXXX /2016,  I have reque sted   XXXX   of  these collections be removed as it is a duplicate collection.
Consumer complaint received 2022-09-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I accidentally made minimum payment twice for the credit card to make sure they don't ruin my credit. I had assigned a future payment for the credit card which did not show at all in the option that says manage payments or pay option. When I asked for reversal of just one payment to credit card back to my checking account, the spokesperson told me it will take 3-5 business days for the wire transfer to appear on the account. In 2 days they charged me overdraft fee for {$50.00} and {$50.00} each to my credit card account. When I explained the problem to the lady, she told me she cant reverse the fees. If my payment of {$190.00} was reversed and returned via wire transfer why would I be charged additional fees besides what they have been leeching off from me ( atleast {$100.00} for interest charges ).
Consumer complaint received 2023-08-09
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. (FL)

XXXX XXXX XXXX, XXXX has not been able to verify this account and the credit bureaus XXXX and Transunion are refusing to remove the account from my credit report I have written them multiple times and they have not responded
Consumer complaint received 2023-08-09
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. (IN)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-07-09
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. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-18
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MD)

Beginning in about XX/XX/2020 I downloaded a cryptocurrency exchange/ wallet called Binance.US. I added my bank via ACH transfer to The BinanceXXXX XXXX, deposited money and began to trade cryptocurrency. I was able to sell the cryptocurrency then withdraw money ( USD ) back into my bank account with no problem other than them holding the funds For 10 days before releasing it to my with some lame excuse. After months of using the platform I began to trust the company and started to accumulate digital assets on a larger scale then my prior {$20.00} transactions. Over that period of time Ive accumulated a little over {$3000.00} by Making {$100.00} deposits here and there and purchasing bitcoin with the money. It was when my account had risen to the {$3000.00} mark that they stopped my trading privileges. This includes the inability to sell, convert or transfer my cryptocurrency into another wallet. Freezing my cryptocurrency purchasing and selling privileges Is a judgment on their part and they have no Obligation to let me do so, but the problem lies in that they will not let me transfer my said bitcoin into any other external wallet or cryptocurrency account. Binance U.S has also frozen my United States dollars in the same fashion, where I am unable to transfer or withdraw my money. Ive sent 22 emails over the course of four days to their customer service department. Subsequently, after my10th email I got a response from a customer service representative calling himself XXXX XXXX who assured me that he Has submitted the report to unlock my frozen privileges, and that he would be in contact when it has been finalized. This has dragged on for several days now giving them the ability to financially gain from freezing my access to my cryptocurrency or United States dollars. Over the course of this time bitcoin has risen to over {$40000.00} Which they can manipulate to profit from doing this to me and their other customers.This whole thing isnt adding up and I fear the worst. Being as though I added all my money to their account transferred through XXXX XXXX or ( XXXX ) There is a record of every dollar that they received. Ive never transferred any of the cryptocurrency I purchased to any other external account, so I have no real evidence that it ever existed at all. I would greatly appreciate the help of getting my money back from Binance U.S.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I notice XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud
Consumer complaint received 2022-09-20
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: Bread Financial Holdings, Inc. (FL)

Someone is trying to open an account on my credit. Other information has slowly been taken over with XXXX, etc. They are trying to open an account with ComenityCB/XXXX  at XXXX XXXX XXXX XXXX XXXX OH XXXX. Please advise.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MA)

I think that I've been victim too bank fraud. I've submitted a complaint with the cfpb before about this. 
Generally on XX/XX/2022, I finally got a chance too make an effort in XXXX XXXX too board the XXXX Transit authority and attempt too renew my D.L. or get my I.D., because of my address. 
I had prior too this made several attempts too confirm my address over the phone ( with truist/bb & XXXX bank card holder services ), that they mysteriously stopped validating. They had also locked or deactivated my card '' status unknown '', and left me with no real accessibility to it.