davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-16
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (WI)

Ally Bank told me they sent me a check for {$3800.00} on XX/XX/XXXX, the second week of XXXX, and are now telling me no checks were ever sent and they are refusing to do a bank transfer. They are stealing my money and this is severe bank fraud https : XXXX XXXX
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

This incident occurred around XXXX XXXX  ET XXXX XX/XX/2021 XXXX. I checked my balance on Coinbase, and I found out that my $ XXXX available fund became {$70.00}. Then I checked the recent transaction history, and it showed that somebody converted my investment to Bitcoin and sent it out 2 times in $ XXXX and $ XXXX. I immediately locked my account and submitted a ticket to Coinbase customer service. I scanned for viruses and found 0 viruses. I used a two-step verification for security purposes, and somebody was able to get the verification code.

The question is why did Coinbase approve 2 withdrawals worth more than {$6500.00} initiated from a different IP address that was never used, not frequently used, or the IP address had not been used for over a period of time for trading or other purposes by the account holder without verifying the account holder 's IDs and a selfie? This is serious security negligence and lack of common sense. There's something worth mentioning : the hacker was also able to sign in to my XXXX online banking account, but XXXX stopped it when the hacker tried to send the money out.
Consumer complaint received 2024-08-17
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. (PA)

I disagree with the accounts listed below which still appear on my credit report, even after your investigation in XXXXXXXX I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit rating ( XXXX XXXX XXXX, XXXX ). Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
Please see referenced accounts below : XXXX XXXX XXXX XXXX Account reporting inaccurately Sued by the CFPB for predatory lending Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX Account reporting inaccurate information Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX Account reporting inaccurately Please verify account belongs to me Account a result of identity theft Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXXXXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX XXXX XXXX XXXX This account does not belong to me, possible identity theft Please remove this account
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-08-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian is reporting inquries on my credit report that I have no knowledge of. As well as continuing to report inaccurate collection accounts on my credit report. 

it has been over 30 days and I haven't received a response from Experian about the investigation results.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I have disputed this information with the company itself previously and they have not removed the unverified and unauthorized inquiries from my credit report. I REVIEWED MY credit report and see there are some unauthorized inquiries reported that needs to be removed. According to the FCRA section 611 ( 15 USC 1681i ) these unverified and unauthorized items must be removed immediately. Under 15 USB 1681b credit reporting agencies can only furnish consumer reports to those who have permissible purpose as defined by the FCRA. This is considered identity theft accessing my credit report without my consent. This item needs to be removed or they will be held liable for damages in the amount of {$1000.00}. I am using CFPB to ensure compliance with consumer reporting
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (GA)

Back in XXXX of XXXX, I was contacted by another collection agency, who stated to me that a debt was placed with them by a company called XXXX XXXX. After working with them to gather information it was discovered that the account was placed with them in error and that they had the wrong individual. Upon further investigation, I was told that XXXX XXXX had placed another account with them and also placed an account with a company called " contract callers '' I contacted this company, and I advised them prior to them reporting to the credit bureaus, THIS IS NOT MY ACCOUNT, they reported the account anyway as an open account on my credit report. I was NEVER contacted by this company and given the opportunity to dispute prior to their reporting. Since contacting them, they still have not provided me with documentation validating this debt. According to this XXXX XXXX XXXX, they require a valid state-issued ID and a copy of a lease to establish service, I have requested this so that I may continue my own investigation of the account. Contract Callers should NOT report this under my credit report without validating this debt. I will not give them any additional time to validate this debt, other than what the law allows. And I will only communicate by email or written letter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove this information from my credit report within XXXX business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2023-05-14
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. (GA)

In according with the fair credit reporting act the list of accounts Below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  XXXX Account number XXXX
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account XXXX XXXXXXXX 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 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-14
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. (FL)

In accordance with the Fair Credit Reporting act 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 2023-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TX)

I was been introduced the carecredit ( synchrony financial ) at the XXXX laser XXXX office, they said is easy to prove, no interest, .hassle free. So I opened the account borrowed {$4000.00} at XX/XX/2020, set up automatic payments which is they required a round $ 120 monthly online. Today i checked my account balance is {$3500.00}, after 3 years automatic payment, i paid them more than {$4200.00} already. i notice that they changed me more than {$2000.00} interes at XXXX, and after that 26 % interest every month around {$85.00}. Such a scam! You never get pay off, debt never going down. I Never received any email or text about the interest charges, or anything about promotional ended .... I been told interest freeat first time, and i followed the payment introduction all the time. Such terrible system, try to confused the customers, and stolen the money!
Consumer complaint received 2019-12-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

XX/XX/2019 Dispute to verify debt with credit bureau XX/XX/2019 Another dispute sent due to no response XX/XX/2019 3rd dispute to investigate the verification process XX/XX/2019 Responded to letter as they have not sent proof to verify the debt XX/XX/2019 Sent letter directly to Creditor and letter was returned to sender as the address they are reporting is incorrect.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Lueder Law Firm, LLC (GA)

The Home Owners ' Association where I live has been sending me demand for fines that I do not owe. I have filed a complaint against those demands in magistrate court, but their attorney, XXXX XXXX XXXX, of Lueder , Larkin & Hunter , LLC has sent me a certified letter on XX/XX/2021 with an amount that is not even in the invoice that the HOA has sent me before and since.

The Law Firm has threatened to sue me if I do not pay this amount. I am already disputing the amount that was in the invoice, but in the demand letter, Lueder, Larkin & Hunter , LLC has misrepresented the amount and the violations for which the amounts they are demanding.

The amount in the invoice the HOA sent me was {$2500.00} plus interest ( which I don't owe ), but the law firm is demanding that I pay {$4600.00}, for violations that aren't mentioned in their invoices.
Consumer complaint received 2023-04-24
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. (MA)

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

The Following Account Is Not Mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the XXXX ( XXXX Opened : XX/XX/XXXX, Balance : {$3000.00} ) account. I am unsure of the accuracy of the Balance of {$3000.00} that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request from you to verify the Date Opened, Date of Status, and First Reported for this account. 
The following account was never late XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$1600.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( TBOM/ASPIRE ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-17
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. (TX)

I would like to dispute the following items 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 XXXXXX/XX/year> Experian : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (KS)

I deposited money into Robinhood ( securities company to trade stocks etc. ) from bank account A. Some time period later I attempted to withdraw funds from my account into bank account B. I've had bank account B attached to my Robinhood account for years and have withdrawn funds several times, perhaps a dozen, with no issue. This time I receive an error indicating that I can not withdraw funds to this account. I complain to the support desk to which they respond that Robinhood has a policy that if funds are deposited from one bank then there is a 60 day holding period and funds may only be withdrawn back to that account. After 60 days funds can be withdrawn to any account. Robinhood offered to process the transfer manually however they require me to describe why I want to withdraw the money to a different account, send in my photo ID, and send in PDF copies of all my bank statements and after that they'll complete my transfer. I verified my photo i.d . with but told them I am unwilling to send in unredacted and unencrypted bank statements ( leaving myself liable to potential fraud ), it's not as if i'm applying for a loan or line of credit, and that I only want to withdraw my money into my account which, again, has been established and used for years with no issue. Robinhood refuses to accommodate my withdrawal request without adherence to their policies and are enforcing a 60 day hold period of my money.
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hollander, Goode & Lopez, PLLC (FL)

XXXX. I own the property located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. 
XXXX. My property was paid in full years ago, I dont have any mortgage. 
XXXX. This property has been my primary residence for the last 20 years. 
XXXX. I am XXXX since XXXX. 
XXXX. I live alone and the property is only in my name. 
XXXX. My account as a homeowner has not been a delinquent status. 
XXXX. On XX/XX/XXXX, I received a letter notifying me that I owed more than {$10000.00}. 
XXXX. I assumed it was a mistake, but after a few months I realized that I was falling into a false and fraudulent case. 
XXXX. All parties involved ; the Association, the plaintiff and defense attorneys, the property management, the accounting firm and others have locked me up. 
XXXX. These delinquents use extensive documents, everything is confusing, a mess difficult to explain. 
XXXX. I really appreciate your consideration ; I value your time. I have more than enough evidence to prove my case. 
XXXX. This report includes part of the documents on Court, they are to extensae. 
XXXX. My property will go up for Foreclosure auction on XX/XX/XXXX XXXX