davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX Bank XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid 19 pandemic is still active and in place. Capitol One Bank for the months of****XXXX  and XX/XX/XXXX are reporting 2 late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (CT)

On XX/XX/XXXX, I called phoenix financial because I had received a collection letter in close likeness to my mother 's name with my kids names attached to the debt. I called and tried to explain and was hung up on after asking to speak to the supervisor. I called back twice and asked for a supervisor and was hung up on by XXXX XXXX twice. I finally spoke to XXXX XXXX who was also very difficult when I explained that they had the wrong debt connected to the wrong person. This is not how people should be treated when trying to clear up something that could effect their life.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IN)

There an issue with a chargeback on a purchase I made around XXXX of XXXX, their system was showing buys as " rejected '' even though the ACH transfer was not rejected. A few days later I came to realize Binance.US submitted about five transfers, I did request each transfer because it kept showing " rejected '', I do have screenshots of this. 

Anyhow, support was slow to respond and their system was unable to take a deposit for about {$950.00} for the chargeback. A couple months later the {$950.00} was paid back with the sale of about XXXX HBAR in virtual currency. 

During this time my account had trading disabled. Being disabled means I can not access my funds, they are being held hostage and I have no recourse because they rarely respond. The moment the {$950.00} was paid back is the moment my account should have been enabled again. 

Months and months of emailing them without a reply. I opened a new ticket on XX/XX/XXXX and did not get a reply until I started posting my experience on XXXX, they have since blocked me because they don't want people aware of what they are doing and how they hold funds hostage. 

On XX/XX/XXXX Binance.US support sent me email stating my account was enabled again on the XXXX and for me to verify this is the case. I checked it out only to learn the same issue remains. 

I also sent them an email because I tried to deposit {$10.00} just to test and I let them know, at this point they kept asking that I send them bank statements and a video even though the issue has nothing to do with making a deposit. I don't care about making deposits, I care about having control over the value of my account which had a value of over {$42000.00} on the XXXX. As of this moment the value dropped to about {$33000.00}. 

Even though they had no need for a video or bank statements I sent them anyhow, seven days ago and I am still locked out of my funds. They have not even replied to the emails that had the requested video and docs attached. Seems like they are stalling and from what I gather there are many they do this to.
Consumer complaint received 2023-03-29
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. (TN)

I filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, i have sent certified letters to Equifax asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

I have reported this as identity theft with the federal Bureau of Identity Theft and it was removed by and now it has been placed back on my credit report from a collection agency. I mailed my Identity report on XX/XX/XXXX. I was original from XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-04-27
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. (TX)

The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-12-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MD)

XXXX XXXX XXXX has sent in a false account with an amount that does not satisfy what the conditions that we left. The lease was up and we paid the last month and vacated immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not only that, the entire apartment flooded and no one came when we called to resolve the issue. Here comes the date that we move out on XXXX and they state we had to pay XXXX rent. When we left after the XXXX days notice given. How could they request rent for XXXX if we would not be there? Also the dates on my consumer report and what I have on file and what they have on file for the dates we lived there are inaccurate. The complex sold this number to an agency that is placing their own amount that they want.
Consumer complaint received 2019-08-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: California Business Bureau, Inc. (CA)

On XX/XX/2019 at approximately XXXX XXXX XXXX at California XXXX XXXX reached out to XXXX XXXX who is an employee of mine and told him they were a collection agency trying to get hold of me and asked him for my phone number. Mr. XXXX came to me and gave me the message. I called XXXX. I asked what this was about. She explained that it was a medical collection account for my daughter. I explained to her that my ex wife ( mother of my daughter ) has a history of incurring medical bills for my daughter without my authorization and that there are court orders in place on how this is to be handled. I kept asking her who incurred the bill and she kept telling me that it could be reported and if I was going to pay the bill. I kept asking her for information and for them to send me something in writing so I could find out if in fact I authorizes this or not. My daughter has had extensive medical bills and some of them I have and some I have not. She asked me for my address. I supplied it. She asked me for my cell and I supplied it. I asked her for who the responsible party was and she would not respond. I asked her to only communicate in writing and she continued to threaten me with reporting it on my credit.
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

During the fall of 2019, I began receiving phone calls from Portfolio Recovery Associates, LLC ( PRA, LLC ) attempting to collect a credit card debt previously held by XXXX XXXX. Initially believing this to be a legitimate debt owed, I spoke to a representative over the phone agreed to pay a settlement amount of {$1200.00} by XX/XX/2019. However, after checking my financial records, I realized that I had already settled this debt with the original creditor, XXXX XXXX, and the debt was paid in full. I received tax documents from XXXX XXXX  and the discharged debt was listed as taxable income for the 2019 tax year. Despite this and despite the fact that I submitted records to confirm my payment to the original creditor ( settled with 3 monthly payments of {$540.00} paid XXXX 2019 ) as well as my 2019 tax documents, Portfolio Recovery Associates continues to report inaccurate information to credit reporting agencies, severely and adversely affecting my credit score.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (AZ)

I received and attempt to collect a debt from General Revenue Corporation and responded within the 30 days for request of documents to include a signed agreement that validates this debt was owed by me. In return on XX/XX/2021, I received a copy of an invoice with an additional request I provide them with more information. Then I received another attempt to collect letter, XXXX XXXX, 2021 requesting notification within 30 days that I dispute. Something is not right as I already did this! I am not obligated for this debt, and have requested ALL collection activity cease and if reported to reflect the debt is disputed. to date it is not flagged disputed, only a comment that states consumer disputes account information. 

Currently the the collection activity has continued, the credit reports do not reflect disputed and the posting date for the collection account shows XXXX.2021 to credit reports which pre-dates the initial attempt to collect a debt correspondence.
Consumer complaint received 2019-08-14
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. (AL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on Equifax that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.
Consumer complaint received 2021-09-07
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-08-14
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. (TX)

XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.
Consumer complaint received 2018-12-04
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)

There was nothing to explain further. I have been sending letters to Exquifax and XXXX for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

OneMain was recently forced to pay 10 million for deceptive sales practices to consumers. The reason for this complaint, is the money was given to CFPB and we have to submit a complaint to receive money for this issue.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (MI)

I submitted a letter to Experian on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-04-27
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. (TX)

The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (MN)

XX/XX/XXXX Have a unknown card in my hard Inquires JPMCB never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown XXXX XXXX XXXX never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.
Consumer complaint received 2021-03-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC. (GA)

II have countless inquiries from various companies that I did NOT authorize. 
I have NEVER done business with these companies that are associated on my reports. Further more I am constantly receiving prescreened offers in the mail that I have not applied for. 
I am asking that these inquiries be removed from my credit file because, I did authorize nor have I ever done business with any of these companies. 
XX/XX/XXXX Ally Financial XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX 
XX/XX/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 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

I recently opened an account with SOFI Bank. I transferred funds from XXXX XXXX bank. On XXXX an ACH for XXXX dollars from XXXX XXXX bank to SOFI Bank. On XXXX there was a reversal of this ACH for XXXX dollars. Soon after XXXX froze both my checking and savings account stating that this ACH reversal was against XXXX policy. Upon contacting SOFI Bank has no timeline of when my accounts will be unfrozen. Furthermore all monies in the account are VA benefits and should be exempt from a freeze. If this is not resolved soon I will be a homeless XXXX veteran. Even though my accounts have not reflected a negative balance XXXX has choose to cause undo stress upon me and my family
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (PA)

I am receiving harassing phones constantly even after paying this company, I was offered a deferment and made the payment in full and since then I have been receiving non stop phone calls and messages for payment durning my work hours, I have expressed this multiple times and it is still going on till this day, also non of the people who work for this company seem to communicate or be on the same page. I will be sending over proof of the payment I made along with all phone call and message records.