davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-23
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. (PA)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-06-23
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. (NC)

On XX/XX/2022 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to XXXX and Transunion to have the inquiries removed. It has been nearly XXXX months and they are still on my report. XXXX and Transunion both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with XXXX today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

SYNCHRONY ( paypal credit ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX All sent me denials to open a credit line. 
I have not applied to these creditors.
Consumer complaint received 2022-06-23
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)

These inquiries are fraudulent and should be removed Immediately of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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. (FL)

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 XXXXXXXX Collection 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 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Bank of America sent the following letter after three unauthorized XXXX transaction of {$500.00}, {$1500.00}, and {$1500.00}. These transactions were made using my phone number which was stolen and ported to another cellular provider. 

I believe this is a violation of Regulation E and meet the definition of a fraudulent transaction.

The attached letter says I provided information to Bank of America about this claim. This is untrue as I did not provide any input for this claim.

BANK OF AMERICA LETTER : Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and any other relevant information we may have regarding your claim.

We made this decision because : We confirmed that the transfer posted to the account you requested. We recommend you contact the person you sent the funds to directly for further assistance. Since we completed the transfer ( s ) according to the instructions you provided us, no error occurred. Based on this, your account wont be credited.

Were here to help You have the right to request the documents we relied on in making our determination. If you would like a c opy of those documents, please call us at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX XXXXXXXX. Please have your claim number available when you call. 
Thank you for your patience during our review
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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. 
XXXX XXXX # : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Credit Card XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX FINANCIAL XXXX # XXXX XXXX FEDERAL XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, Inquiries : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX ( Finance ), XXXX XXXX XXXX bank ( Finance ) 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 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 2022-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

Spanning from XX/XX/2022 until XX/XX/2022 There was fraudulent activity and money stolen from our personal checking account. Money was transferred from our XXXX XXXX checking account to a online digital wallet entitled coinbase, money was then hacked or transferred to the fraudulent account. Despite our best efforts, Coinbase will not help us recover lost funds or reverse the fraudulent activity.
Consumer complaint received 2024-11-07
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I opened a Verizon Credit Card basically under threat from the company to charge me more plus they would give me rewards by using the card. I only use it to pay my Verizon bill, which has never been late. It was opened back in 2019 and currently has a XXXX balance. The company reduced my credit line and then promptly closed it despite my stellar record. They claim there were too many delinquencies, which is false. They also claimed too many inquiries, which was also false. I demand that they reopen my account with a credit limit to at least pay for the Verizon bill.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

I placed an order for a XXXX  XXXX XXXXnder transmission and never received it. Once realizing I was scammed, I disputed it with my credit card company and from their discovery they found that the company mailed a priority USPS envelope to show " proof '' of transmission delivery. First off, the Transmission never came and how does one send a couple pound transmission via a XXXX priority envelope? 

Secondly, the XXXX regarding the complaint I filled ( C # XXXX ) came back with the result stating that the XXXX destination was not even my mailing address of XXXX XXXX XXXX. The XXXX tracking number is XXXX. 

I submitted all the proof and documents to Synchrony Bank and they are still not refunding this scam. This has been going on for the past couple of months, attached is all the supporting documents for your review.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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. 
XXXX  Account # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I tried to get my 3 free credit reports. Experian is not recognizing me. When i tried to reset my password and try tocorrect the wrong information they have about me, they sent my password and id to a RANDOM STRANGER at " XXXX '' -- - who is this????? Ive tried 9 different phone numbers to try to talk to a human! No human!! The automated voice does not recognize me or my request. The auto voice doesnt have option for EMERGENCY -you gave my info to a stranger! I cant put a block or freeze because im applying for an appartment tomorrow. Please help!!
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance of the fair credit reporting act XXXX  account number : XXXX account name : XXXX XXXX XXXX  XXXX account number : XXXX account name : us dept of education account number : XXXX account name : XXXX 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 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-23
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. (TX)

Equifax credit bureau has reported an incorrect collections account which WAS REMOVED PREVIOUSLY XX/XX/2021. The account " XXXX XXXX XXXX  XXXX isn't my account, it has been deleted from all 3 bureaus due to inaccuracy. 
A proper investigation according to the FCRA was not conducted. This account was reported by XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My father XXXX XXXX XXXX died XX/XX/21 his identity was compromised and stolen. His credit cards were used by unauthorized individuals and maxed out. My brother and I are the only next to kin, my brother was appointed executive of Estate. No one authorized these charges, the address on the account was even changed. We reached out to Capital one several times and spoke with the fraud department, but nothing has happened. My father had several credit cards with Capitol One, Kohls/Capitol One. 
The Capitol One ( partial Account # ) XXXX reflected on his credit report XX/XX/21 it was a balance of XXXX as of XX/XX/21 the balance increased from to a balance of XXXX. 
The Kohls card showed a balance of XXXX on XX/XX/21 as of XX/XX/21 the balance increased to XXXX.
Consumer complaint received 2022-06-23
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)

In accordance with the Fair Credit Reporting. 
Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1691 section 602 A. States I have the right to privacy.

15 U.S.C 1691 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX NA XXXX XXXX XXXX, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX FL XXXX THIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX GA XXXXTHIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME I NEVER WORKED FOR XXXX OR XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the 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 instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union is attempting to fraudulently claim debt : Outstanding {$11000.00} Bad Debt, Collection. Fraudulent In the past I have experienced Identity Theft. I reported that information to Navy FCU in 2021. 

I do not know the owner of this account. This Account does not belong to me.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : XXXX Balance on XX/XX/XXXX {$1800.00} Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting acengy can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Inquiries : 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 Experian 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 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

I purchased a pallet from XXXX XXXX that turned out to be a fraud company. XXXX XXXX XXXX accepted them as a merchant. I was sent to cheap items no pallet as advertied. 

This explains it all : https : //malwaretips.com/blogs/amazon-unclaimed-packages-scams/ They say they are investigating ; they are stalling and hope I go away. 

They are as fraudulent as the merchant they accepted him
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX 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 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (IL)

Failed deposit attempts amounting between $ XXXX on following dates : XXXX, XXXX, XXXX Failed withdrawal amount of total available balance of {$13000.00}, initiated on XX/XX/XXXX, still in pending status as of XX/XX/XXXX ( advertised as 2-3 business days max ) Only action available is complaints/inquiries thru text. Only responses provided are simple acknowledgements, i.e. we are looking in to this, currently XXXX consecutive un-answered texts from Albert XXXX.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

I paid my cellular phone bill to XXXX XXXX XXXX for {$100.00} in 2021. I explained to the debt collector that XXXX XXXX XXXX would not unlock my phone number until the bill was paid in complete. I paid the debt and made the switch to another cell phone provider ( XXXX ). California law states that a user can not change cell phone providers without the former provider being paid in full. My phone was unlocked and XXXX reconnected with the same cell number ( XXXX ) XXXX.