davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (FL)

I reached to XXXX XXXX XXXXXXXX, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with First Source of this card it is still being negatively reflected on my credit report with XXXX  XXXX XXXX. Attached is a copy of the debt on my Credit Report.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (AZ)

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ''
Consumer complaint received 2019-02-11
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. (VA)

On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA (IL)

I am a victim of identity theft, someone was able to create a various accounts using my personal information. Im not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX Attn : Consumer Relations XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX RE : Account Abuse ; UNPAID in the amount of {$330.00} reported by Bank of America on XX/XX/XXXX ( RTN : XXXX # : XXXX ) To Whom It May Concern : This letter is regarding reference number : Above reference ACCOUNT ABUSE/UNPAID ACCOUNT under my name, social security number and Georgia Drivers License Number. This is a formal letter that your claim is disputed. 
This account was PAID IN FULL on XX/XX/XXXX. I have accompanied a copy of that payment to Bank of America ; Therefore, I am requesting the immediate removal from your records. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations ( 15 USC 169e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX or XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX DL : XXXX GA Page 2 of 2 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I received an alert that I was reported " deceased '' by American Express on 2 accounts. I had 3 accounts with American Express. One of the 3 accounts is paid in full. 2 of the accounts, I was working towards a " settlement '' and then all of a sudden.. Poof.. you are deceased. I don't know if it was " retaliatory '' but it sure feels it. I reported that I was alive via a notarized letter. Yet, the investigation of XXXX  to American Express shows I am still deceased.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MA)

Two ACH transactions that occurred on XX/XX/2021 in the amount of {$500.00} each to Binance US /Custodian ( XXXX XXXX XXXX XXXX which never get credited to my Binance account. 

transaction # 1 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX transaction # 2 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX I have attempted to email their customer support Binance/XXXX  XXXX but never got a response back. I have submitted two support tickets about this issue with Binance US for months but they don't respond to my support request ( Binance support ticket # XXXX and support ticket # XXXX ) I would like to file an official complaint about the fraudulent activity with custodian XXXX XXXX XXXX and Binance US.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2023-01-13
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. (NM)

The account reported by XXXX XXXX XXXX, for the amount of {$290.00} being a medical collection came back as being verified as belonging to myself. There is no provider evidence that this account belongs to me therefore should not be reported on my credit report. XXXX has already deleted the account from my report due to unverified information!
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (CA)

I was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious accounts.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious accounts.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been banking with Bank Of America for years. I deposited a check on for {$940.00} that was a paper check from XXXX. Bank of America took 14 days to clear my check. They informed me on the customer service line it was because the Federal Reserve would not clear the check for 14 days. I contacted the Federal Reserve and they stated that the only way a check should be held for more a few days is if you just open your account with 30 days which I have not. I contacted the customer service and asked to file a complaint. I was informed that they take complaints but you never hear an outcome or resolution to the complaint.
Consumer complaint received 2022-10-05
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. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
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: Profit Services Group (GA)

XXXX XXXX XXXX {$830.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (GA)

XXXX XXXX {$8200.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Infinity Holding Corporation (OR)

I continue to get more than 3 calls a day from their office trying to collect the debt. They continue to call and purposely irritate me on the phone. 

Told me Maybe, you should pay your bill, without asking if I was the person they were calling for!
Consumer complaint received 2021-06-03
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. (GA)

XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full account.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. 

Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$76.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. 

You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this matter.