davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

I seek relief from SYNCHRONY BANK to cease reporting late payments or Charged Off status on my credit profile to agencies such as XXXX, XXXX, and XXXX for SYNCHRONY BANK Account XXXX in the My name XXXX XXXX XXXX Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify for a mortgage, car loan or personal loan.
Consumer complaint received 2024-06-22
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. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The Reinserted of previously deleted negative information on my credit report, specifically pertaining to an account with Bank Of America. 
I was not notified that this account would be reinserted.- this is a violation -If previously deleted information is reinserted into the credit report, the CRA must notify the consumer within five business days of the reinsertion. ****** This notification must include : -A statement that the information has been reinserted. 
-The name, address, and telephone number of the furnisher of the information. 
-A notice that the consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. 

This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to dispute the reinsertion of previously deleted negative information on my credit report, specifically pertaining to an account with Bank Of America. 
I was not notified that this account would be reinserted.- this is a violation -If previously deleted information is reinserted into the credit report, the CRA must notify the consumer within five business days of the reinsertion. XXXX  This notification must include : -A statement that the information has been reinserted. 
-The name, address, and telephone number of the furnisher of the information. 
-A notice that the consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. 

This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).
Consumer complaint received 2023-03-10
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. (PA)

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. 

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 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 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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

I have sent in a request to XXXX and Experian to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from XXXX or Experian. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents XXXX and Experian requires for XXXX straight months. 

Please help.
Consumer complaint received 2024-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTION OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSET IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries as they were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AL)

I Filed identity theft and I have been in an ongoing data breach and I've been heavy inquiries that I never took part of. 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 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
Consumer complaint received 2024-06-22
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-14
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. (CA)

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 
" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001
Consumer complaint received 2024-08-29
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. (LA)

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 U.S.C. 1681. XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 2024-06-23
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. (MN)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-23
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : I wanted to inform all parties that in the last XXXX ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and Disclosure, 623 A1 Responsibilities of the furnisher of information. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] FINAL NOTICE I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

Please delete the following inquires : 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

First and foremost, I started an app called XXXX XXXX where I heard it helps me build credit, and to my surprise I have XXXX hard inquiries with the same company I started to call everyone and dispute it also. So I did that and when I spoke to the representative I wan na say around XX/XX/XXXX it was the weirdest conversation I don't have an account with them but some how they are on my credit report hurting it real bad As a XXXX XXXX XXXX I thought XXXX XXXX  was the only thing on my report which is in outstanding condition So please please SYNCB/CARE CREDIT remove this non existencing account. So that XXXX can have it removed. Thank you so much for your consideration.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (CA)

Recently a new account appeared on my credit report under MOHELA/DEPT OF ED. I have never had student loans in my life, so the loan has been fraudulently tied to my personal credit health. The Accounts look to be opened on XX/XX/XXXX and are in good payment standing. There are currently three loans tied to my SSN, one of which was added as recently as XXXX XXXX as that was the last time I checked my credit health and at that time there were two loans opened under MOHELA/DEPT OF ED. The current outstanding loan balance is and as of XXXX. The total loan amounts are : {$6100.00} ; {$6000.00} ; {$3500.00}. I've disputed this claim with XXXX XXXX as of XX/XX/XXXX and today XX/XX/XXXX with XXXX and will continue with the other credit monitoring services today. I will also be filing an FTC report and police report. Please resolve this error asap.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

I was defrauded of between {$75000.00} to {$90000.00} over the space of 2 months by an apparent corrupt employee of Coinbase. On several dates in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> in a successful attempt to confuse me, the male employee transferred money back and forth between my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. The individual told me it was illegal to discuss with anyone that my identity had been stolen, when asked for a badge number the individual said he was a certified identity theft technician, certified by Coinbase. The individual said that they counted 17 red flags of attempts to access my retirement accounts and that to protect my funds Coinbase was setting up an account to transfer my funds into. I have opened complaints with XXXX XXXX XXXX XXXX XXXX, I have report at reportfraud.ftc.gov, I filed a complaint with the FBI, I have a Coinbase Case number, I have opened cases with Arizona Attorney General, Arizona Corporation Commission, Az dept of insurance and financial institutions, I have spoke with a lawyer, a friend questions me about why I wanted to sell my gold and I realized that I was being scammed, I sold him my gold anyway and he caused the issuance a cashier 's check which I deposited into my XXXX XXXX account, I had recently opened an account at XXXXXXXX XXXX and requested a {$60000.00} check be issued from XXXX XXXX. When I received the {$60000.00} dollar check I deposited it in XXXX XXXX The Back XXXX XXXX declared the check to be fraudulent. I had recently written checks in the amount of approximately {$20000.00} to the Tax departments of Arizona, New Mexico and the IRS. ( I have paid electronically via transfers and credit card all the money owed to the XXXX departments rendering the checks moot prior to XX/XX/year>. The tellers started yelling at me that that was my fault, I said you know how XXXX corrupt this makes the financial industry appear. I was thrown out of the bank who had called corporate security. I was notified by XXXX XXXX XXXX department that they had been authorized to issue a check for {$41000.00} and that once XXXX Bank lifted it's hold which it would do on XX/XX/year>, I would be able to request a check for the balance. After XX/XX/year> I tried again to get a check issued in the amount of the remaining balance at XXXX XXXX and close the accounts, I was told it was out of their hands and that I would never be paid the {$20000.00}. This unethical systematic abuse continues, as I have received a letter from XXXX XXXX stating that my accounts will closed on XX/XX/year> and the {$21000.00} balance will be seized. I have not received approximately {$1600.00} balance from XXXX XXXX, nor have received my money from XXXX XXXX. I have documents of emails, deposits, transfers, transactions, statements, etc.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.