davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX convinced me of a passive income opportunity on XX/XX/2023. XXXX stated he and his partner, XXXX XXXX, would manage my next step funded account and I would receive a passive income payout of $ XXXX {$4000.00} monthly. The initial investment cost was {$4500.00} and he claimed I would receive my entire return on investment within 90 days. After my return was not received, I started to inquire with XXXX and each time there was a new excuse of why the payment was not received. He also strongly encouraged me to get an LLC for tax purposes, which the initial cost was {$800.00}. He put me in contact with someone to set it up, come to find out, I did not need an LLC and now to dissolve the LLC and not be penalized for not maintaining it, I had to pay another {$340.00} to dissolve it. 

After getting in contact with a few of the other investors that were scammed its looking like this is turning out to be a ponzy scheme run by XXXX XXXX and XXXX XXXX. 

There was an SEC filled on XXXX XXXX with multiple individuals who were affected as well. ( Attached is the stamp document ) Theres an on going criminal investigation currently on the situation with XXXX XXXX. 

I requested a fraud claim through my personal bankin ( Bank of America ) and they denied the claim. 

Please help me resolve this issue.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These inquiries below are fraudulent and werent authorized by me to pull 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
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. (SC)

XX/XX/2025 {$1900.00} Midland Credit Management , Inc ( junk debt buyer ) filed case XXXX with XXXX XXXX XXXX XXXX South Carolina with failure to send a pre-legal letter before filing a lawsuit against me. 
I have been a victim of Identity theft on numerous occasions for the said debtor XXXX XXXX.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I was trying to pay my rent by XXXX if I did not complete payment by then I would have to pay a {$120.00} late fee. I arrived to the location at XXXX. Upon attempting to make payment my card was blocked. XXXX minutes later I received a text asking if it was me. I confirmed it was me and they said I can now use card. Once I tried to use my card again it was blocked. I waited on hold for XXXX minutes before I got in touch with a representative. At this point the location closed and I now have to pay a extra {$120.00} late fee due to incompetence by the banking institution
Consumer complaint received 2023-10-25
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 (WA)

On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$490.00}. With another product on the same bill, my total came to {$520.00}. The other product was satisfactory, but the aforementioned XXXX XXXX was defective upon arrival. 

Immediately after receiving the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I noticed it was non-functional right out of the box. I made diligent efforts to troubleshoot the product as per the owner 's manual but to no avail. 

Given that the product was not operational, I initiated a dispute with PayPal under the reference XXXX. After an extensive wait and multiple communications, the merchant proposed that I could return the defective product, but the cost of return shipping would be my responsibility. Considering the substantial weight and size of the product, the XXXX shipping label would cost nearly as much as the product 's original price. I reached out to the merchant to inquire if they would cover the return shipping, but I did not receive any response. 

Given the lack of resolution through PayPal and the merchant, I approached my credit card issuer, Synchrony Bank, to request a chargeback of {$490.00}, citing the reason as " Defective Product Received. '' Initially, the bank issued a temporary chargeback while they commenced their investigation. However, to my dismay, the chargeback was reversed in the merchant 's favor on XX/XX/XXXX. 

One of the pivotal reasons I opted to purchase this product online was due to the assurances provided by PayPal 's XXXX XXXX and the protective measures that come with credit card transactions. I had an inherent belief that these mechanisms would offer a safety net, ensuring my interests were safeguarded. I find it deeply concerning that despite these multiple layers of supposed protection, I find myself in this prolonged and arduous situation. 

I'd like to emphasize that over my tenure as a cardholder with Synchrony Bank, I've made transactions totaling more than {$10000.00}. Initiating chargebacks is not a habitual or recurrent action on my account. I've always approached my transactions responsibly, and I genuinely anticipated that the protections, especially in rare circumstances like these, would function seamlessly for a loyal and consistent customer like myself. Instead, I've been subjected to an extended waiting period, had to escalate the issue multiple times, and navigate a maze of processes, all for a matter that I believed was straightforward and should have been resolved in my favor from the onset.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.
Consumer complaint received 2024-01-18
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-07-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (VA)

I was notified that my credit score decreased due to a collections letter added in XX/XX/XXXX. I dispute this transaction with XXXX as I was sure it was a mistake since I have never received any documentation saying I owe any amount for any medical bills. The request was denied, and shortly after, I received a letter from this collection agency stating I owed {$1000.00} for a visit back in XXXX of XXXX. The letter from the collector said XXXX provided the service ; it had an address that did not belong to me and a tax ID that did not belong to me ( since I have never had one ). I called XXXX to ensure everything was paid, and they had a copy of me paying for my visit. They gave me the physician 's number but could not find me or have records or any bills from XXXX. I then called this collection agency, where the person was rude, did not have my information, and their records of my social did not match mine ( even though I did not give them mine ). They said if I did not want to pay, that was fine, but I would be hit in my credit every two weeks, so it was my choice. I researched this company online, and many people seem to have the same issue. All I want is for this to be removed from my credit because it is negatively impacting me, while I have always paid my medical bills.
Consumer complaint received 2023-08-25
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of america is an account that was not been late on XXXX, this was for 30, 60 and 90 days late .... they must to send me proof of this account was late .... because this accoun must to change the status from close/ late to Close /never late..
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. I have attached the 1099c for the account XXXX XXXX XXXXXXXX showing that you are reporting incorrect information. The account was paid and should have been removed per the agreement with the creditor. Not only are your furnishing incorrect information pertaining to this account, but you also failed to remove the account once it was paid. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 1099c form as well as the dispute letter sent to you on XXXX which is dated and time stamped.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX XXXX XXXX  has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action!

In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. 

Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. 

Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. 

Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. 

These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Consumer complaint received 2024-01-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DC)

I am being sent to collections for a debt that was never owed. The leasing agency provided a rent concession for my first month of tenancy ( XX/XX/XXXX ) and this reappeared on my account throughout my lease. Despite written communication with the property manager which confirms that this was made in error, I now have debt collectors attempting to contact me. I received a final account statement and received my security deposit. It has now been over a year since the original charge was made and they are unable to get their finances in order to settle my account. Debt collectors do not have the correct birthdate
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-12
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. (NV)

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 information is inaccurate.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AZ)

I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. 
I have decided to just give up on trying. 
I spent the last XXXX weeks on the phone calling creditors with a XXXX  specialist, XXXX XXXX. Nearly all XXXX  from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX  basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. 
After we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney  XXXX  our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. 
Im sitting up at XXXX looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled " unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX  or XXXX later. So now they are simply referencing their lazy effort from months ago, and saying " we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single XXXX since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? 

Problem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised
Consumer complaint received 2024-01-19
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. (AL)

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 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. Or 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 2024-04-12
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. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.