davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WA)

On Binance.US Im fully XXXX-verified and use two-factor authorization. But on XX/XX/21, upon a failed transaction to Binance/XXXX XXXX ( not due to my bank or funds ), my account was flagged and I could no longer do anything with my assets. 

I went through another verification process to restore access as directed by auto-generated email. I then opened up a support ticket # XXXX ( Customer ID XXXX ) to sort out a Deposit Appeal Process. They are reviewing my case but I can not speak with anyone directly. 

XXXX and XXXX are full of customer stories of this exact behavior. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Lexington Law is scamming the consumers because they are telling you that they can clean up your credit and help raise your credit scores. My credit score hasn't gone up and they are taking my money and I am so upset that I have given them this opportunity to assist me. I am trying to clean up my credit and raise my score but Lexington Law pretends that they have a team of paralegals working on your file. They only work on your file when you call them. I don't believe that any of these people are legitimate paralegals and I have asked to speak to a supervisor and that never happened. I have asked to speak to a lawyer and that never happened. I am paying them {$59.00} every month since last XX/XX/2020. I want them to return all of my money from day one starting with the first initial payment of approximately XXXX for setup fees and XXXX fees to start the services for approximately 9 months. I called last week and asked them to stop my services and the agent told me that cleaning up credit is impossible because the only person that can remove anything off of your credit is the Credit Bureaus. I said to her why did your representatives tell me since they are lawyers they can remove all of the derogatory negative items that are impacting my credit. They haven't done anything for me but caused me nothing but stress and financial suffering to pay them monthly to see nothing changing on my credit profile. I can not purchase anything, I can not apply for a credit card. The agent told me that I need to stop using my credit cards. I am paying them off as quickly as I can. I want my money reimbursed to me today. I want them to stop sending my calls to the XXXX and have them read from a script to me and nothing gets done. I am exhausted having to call them every two weeks to make sure that they are doing what they told me that they would do. They have done absolutely nothing for me.
Consumer complaint received 2023-03-28
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)

My identity was stolen and on XX/XX/XXXX, 2 hard inquires appeared on my equifax account. I submitted disputes right away and froze my account. I contact the creditor and they noted the attempts were fraud. The inquires were removed from XXXX  and XXXX immediately after speaking with them. Equifax did not remove the inquires after the disputes were closed. After speaking with equifax again today, they are refusing to remove the fraud inquires even though the other agencies have, I have active fraud alerts on my account as well as through the FTC and my credit has been frozen.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 I withdrew {$60.00} from a Chase Bank ATM at the XXXX XXXX XXXX, XXXX, CA location. I checked my account a few days later and saw an additional {$900.00} missing from my checking account. There were 3 additional transactions, {$400.00}, {$400.00}, {$100.00} that were not made by me. 

I filed a claim with Chase ' fraud department and was later denied reimbursement claiming that since the ATM code was entered, it was a legitimate transaction. They refuse to look at ATM camera footage that shows I did not withdraw the money. 

I followed up with the branch manager she confirmed it is a major problem at her location and to file a police report with XXXX and she will help reopen the claim. It was denied a 2nd time. 

A few weeks later after my claim denial a news report came out about that same location and other customers who have had the same experience. Criminals are using a flaw in Chase 's ATM chip scan feature to capture customer information and steal money from our accounts. 

XXXX XXXX XXXXXXXX I have filed my claim with Chase and it has been reopened and closed 4 times. I have yet to be reimbursed and other victims advised me to follow up here.
Consumer complaint received 2020-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Around XX/XX/2020, after doing an XXXX XXXX XXXX pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX and XXXX  however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.
Consumer complaint received 2023-03-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North State Acceptance, LLC (SC)

The company is not being honest. They have received the {$2000.00} in funds for a down payment for my vehicle which shows in my contract as contribution towards payment and receiving the vehicle. The company is being dishonest and fabricated distancing of my old address and full mileage between their and the updated address which was 18.9 miles as proven by gps. Then harassing my mother at a different address in another town after already knowing where I lived her house was located in XXXX 40 minutes away from where I lived. 4 miles is a lie. Also, this company clearly sent out information regarding money owed after repossession which is considered wrongful repossession. Also this company has now illegal ran my credit report without my consent or notifying and a lawsuit is underway for their bad business practices. Federal states it is illegal for a company to run a credit report without consent. Federal violations with this company include but are not limited to. Reporting that an account was active after it was voluntarily closed by a consumer, Inaccurate statement of balance due, doing a soft pull on my credit report without my consent on XX/XX/2023 I was not made aware or asked by North state Acceptance if they can run my credit report. I am now also seeking arbitration, Punitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. 
Attorney fees and court costs. You can have the cost of litigating the matter covered if you win your case.
Consumer complaint received 2020-12-07
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. (FL)

Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2023-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX is reporting incorrect information on my Bank of America card. They are reporting the first delinquency is XX/XX/XXXX. I filed a dispute in XX/XX/XXXX, they claim they verified it is accurate. However, XXXX removed the account from their report because the beginning of the delinquency was over XXXX years old XXXX beyond the statute of limitations. XXXX verified the account with Bank of America and the first date of delinquency was in XXXX according to their review. I believe XXXX and Bank of America are intentionally misreporting my credit and refusal to correct it is discrimination due to my age, race and gender.
Consumer complaint received 2020-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

About 2 weeks ago I couldnt access my account using mobile app. When I called the bank I was told im sorry, your account has been CLOSED, remaining balance will be sent out, we can not disclose any information at this time and hung up.

I was schocked. I was upset, because my IRS refund was on its way.

I continued to call and find out then they told me they had received my refund!!! And witholding any access to my funds due to this now so called BLOCK placed by THEM. Without my knowledge. When I go in person, Im
told your account is still OPEN! And we can not dispurse any funds until account is fully closed in 30-60 days. MIND YOU I STILL DONT KNOW WHAT IS GOING ON. This should be ILLEGAL. MY TAX PAYER MONEY STOLEN AND WITHELD BY MY OWN BANK? even if you owe money to a bank it gets closed down and reported to credit bureau CITI BANK IS STEALING MY REFUND NOW
Consumer complaint received 2023-03-30
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: McCarthy, Burgess & Wolff, Inc. (MD)

In reviewing my consumer report with XXXX, I noticed an unauthorized Inquiry on my consumer report from a company named McCarthy , Burgess & Wolff on XX/XX/2023. I have not initiated any transaction with this company, so they had no permissible purpose to obtain my consumer report. This is a violation of the FCRA 15 USC 1681 section 604. This is an invasion of my privacy. In addition, FCRA section 607 ( a ) requires that every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 604. FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (FL)

Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC (IL)

This is a scam trying to say I took a loan out and they have my social security number I have never taken a loan out before. They also stated they will hunt me and my family down which is a threat to me and my family. This company needs to be closed no one should ever be allowed to be making threats.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Wire Transferred {$4300.00} on XXXX XX/XX/2023. Within 5 hours informed XXXX XXXX ( my bank ) to cancel the transaction as I suspected they were scammers. However funds were already transferred, my bank was unable to get my funds bank as beneficiary bank refused to do it. I received their decision on XXXX XX/XX/2023.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

I have two affirm accounts that were two small loans for a buy. Now pay later they went into collections called XXXX XXXX I paid them in full for one collection and made an agreement to pay to settle for less for the other collection for the past month I have been fighting with a Affirm to update the correct information on my credit report, they keep saying that I have a balance on both with both should have a XXXX balance, because I paid their collection agency in full for one and agreed to settle for less for the other, but it still should show as paid in full. I have called numerous times in the past month and they refused to update the information correctly stating I still owe a balance on both accounts and they have not updated my credit report. I do not owe a balance on either if they communicate with their collection agency properly.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Collection company has not tried to collect debt as far as I know ; however, the account is in collections ( as a derogatory mark ) on my credit report ( opened XXXX ). I do not have any information about the original creditor. Sent a Debt Verification Letter to the company on XX/XX/XXXX and have not received verification or any correspondence at all.
Consumer complaint received 2021-04-07
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. (NY)

I XXXX XXXX XXXX am contacting you because I am so emotionally distraught about the compromising of my social security number, Email Login, and passwords. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed complaints # XXXX & # XXXX and both is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, but you still accepted my information and reported it to the public. 15 usc1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now criminally and civilly liable of identity theft and i plan to file litigation in this matter.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me withing 24 hours of receiving this dispute letter. Your company does not have the jurisdiction to put whatever you want to reportt on my credit report, if so please send me a document specifically stating your jurisdiction over me and what I CHOOSE TO HAVE REPORTING TO MY CREDIT REPORT. I am a single father who is struggling during the pandemic and the last thing I need is the credit Bureaus to be reporting false misleading information on my report. there are accounts listed on my account that don't even have contact information for me to send the company a direct Dispute. that is not fair and actually that is illegal.The following items below do not belong to me and is a result of fraud that I did not authorize
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I received numerous phone calls ( 15 USC 1692 c & d ) from Midland Funding regarding assumed debt on a positive balance ( 15 USC 1692 b 2 ). I submitted a final debt validation letter before contacting CFPB requesting a wide range of information as a consumer and only received the information they wanted to provide ( 15 USC 1692 g ). They have violated my reputation ( 15 USC 1681 ) as a consumer and I am demanding they zero out the balance on this account and deletions from all consumer reports. 

Served XX/XX/XXXX - XXXX XXXX  {$3500.00} Multiple verification letter sent, final debt validation letter sent XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024, I learned that an address I did not enter or authorize was on my XXXX credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an XXXX online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my TransUnion. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my TransUnion credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (NV)

Experian continues to report fraud information on my report despite numerous attempts to make them understand that they are not mine. My maiden name was XXXX XXXX XXXX XXXX and I found out that my Now late father had opened numerous accounts using my information without my knowledge. I have sent Experian a police report, a FTC Identity theft report copies of my marriage license to show my name change my drivers license my Social Security card proof of address and still these remain on my report. 

The three fraud accounts on my report are XXXX XXXX XXXX XXXX XXXX XXXX I dont know at this point how I could be any more clear with them and they do nothing
Consumer complaint received 2020-04-04
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. (SC)

Called XXXX  ( XXXX  ) ( Equifax ) on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was COMPLETELY SHOCKED after viewing from credit report. This particular agent was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and praying that i'd get that same helpful agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution. With people living outside the USA handling my personal info, im not surprised at all at the level of fraudulent activity on my credit report. Im hoping for a resolution immediately.