davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-09-01
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. (FL)

I am aware that consumer reporting agencies have received my nonpublic personal information from XXXX fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom XXXX has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies XXXX have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. XXXX furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe XXXX is criminal enterprise involved in conspiracies to cause restraint of commerce.
Consumer complaint received 2022-09-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account XXXXhas 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 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Theres a XXXX XXXX account on my credit that I did not open. Ive never had XXXX XXXX. Someone stole my information and had phone lines opened in my name and Im blaming XXXX for not checking identification. I had mail sent to my address regarding the lines so I emailed the company to tell them that was not me that opened the account and they never got back to me. Now I have an account I am not responsible for on my credit report because XXXX XXXX is reckless and do not ask for proper identification.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was contacted by a person stating he was from " XXXXXXXX XXXX '' a group I belong to and is very reputable. He said he had an opportunity to show me how to invest in XXXX and make quite a bit of money. This was in XXXX of XXXX. After learning what he was going to do I reluctantly invested {$1000.00} from my Golden1 account. I watched it grow in the trading platform called XXXX. I then deposited another {$1200.00} from my XXXX XXXX business account on XX/XX/XXXX. Then another {$1000.00} on XX/XX/XXXX for a total of {$3200.00}. I was then told I c Ould join their {$10000.00} club and make {$60000.00} in three weeks. I was excited because I saw how much my money was growing. So, I deposited another {$7000.00} on XX/XX/XXXX to join the club. I was told at this time that it had to be all in one deposit in order to join. I told them to for get it I will take my money back. He called a little while later and said he worked it out with the company and if I just deposit {$5000.00} more, they would let me in. I told him I only had {$4000.00}. A bit later he called and said that would do and he was doing me a huge favor. He said I could make {$75000.00} in three weeks. I deposited it on XXXX. I watched it grow and grow. Finally it was time to withdraw my funds and I could invest again. I was told to look for an email with instructions. The email said I had to pay their fee upfront to be able to retrieve my funds. {$24000.00}!!!!! This is why I knew I got scammed. He disappeared and so did my money.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America keeps reporting me to XXXX XXXX XXXX  for fraudulence. Because of this I have not been able to open a bank account with them or any other bank. I have disputed these allegations by writing a letter 3 or 4 times directly with XXXX XXXX services to no avail. This is causing me so much hardship. While the fraudulence is true, I have not at all committed this. I sent a police report and wrote everything I encountered ( by disputing ) when this matter happened. Even tried to show screenshots of my encounters to let them know what I was disputing is true. I can not wait 5 years for XXXX XXXX to fall off my consumer report when I was not the person who committed the crime. Please help
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I was charged a late fee in XXXX, XXXX and XXXX of XXXX. I provided bank information to show the payments were made on time but they have done nothing to resolve it. 
XXXX fee {$29.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} = due XX/XX/XXXX - paid XX/XX/XXXX ( just to test my theory & was still charged ) Total fees {$99.00} I can not reach anyone by phone to discuss this issue so everything is done through the website. 

I see many others are having the same problem based on social media posts on their page. This started when they updated their system.
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-01
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I got XXXX Credit Card through a purchase of my new vehicle on XX/XX/2022. Every month I make a payment there is XXXX. I cant login or once they said they didnt get my payment and I paid 2 weeks in advance. Its impossible to login to there site. They want you to go paperless. So when you go paperless you cant get I touch with no one on the phone. This bank deal with poor people or people whos credit is less then perfect. Its so frustrating dealing with them. They dont seem to care about the people. Its like they are trying to make the people fail or fall behind. Were trying to rebuild our credit. I wish to XXXX I could pay them off and never have to deal with them again. I supposedly have rewards points. I tried redeeming them but it can only be done online. Its a catch 22. If I cant get online how do I redeem these mysterious points? 
There are other credit card websites which run more smoothly. This Comenity Bank makes me want to quit. I know Im not the only one. Is there any help? Is there a faster way for me to pay them off. Seriously. No gimmicks.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vanguard Financial Services, Inc. (VA)

I received a bill from debt collectors Vanguard Financial Services , Inc. in the mail stating that this is in advisement of a delinquent account and how it may be reported to a National Credit Reporting Agency. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Vanguard or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. 

I have no contract with Vanguard Financial Services , Inc . I have yet to witness a " wet ink '' signature between XXXX XXXX and Vanguard Financial Services , Inc nor have I ever received a True Bill in commerce in regards to this account. Vanguard has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.
Consumer complaint received 2022-09-01
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. (MI)

These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX XXXX credit card into the program. I completed the program and paid all of my creditors in full as of XX/XX/2022. Even after 2-3 disputes with the major three credit reporting bureaus, XXXX continues to provide false or incorrect information to the three major credit reporting agencies and specifically, Equifax and XXXX continue to list this account as an unpaid charge off, however, the status has been changed to paid with XXXX. ALL 3 agencies are reporting the written amount after negotiation and settlement with XXXX XXXX XXXX, is {$5100.00}. This is also incorrect. The settlement information I have attached clearly shows that after settlement, the final balance was {$5800.00} and XXXX agreed in settlement and was paid {$4400.00}. I am not a mathematical genius but that doesn't amount to {$5100.00} as a write off. There are several errors and inconsistencies among all three reports all around. I am filing a complaint so that I can find and seek resolve as to why they continue to report incorrect information after being paid in full 3-4 months ago. They did not hesitate to very quickly report any negative information surrounding this account when I made the hard decision to include it in a debt consolidation program when going through a financial hardship a couple of years ago. Why does it take so long to correct now and provide accurate information for reporting purposes? I didn't run from the obligation but paid most of it back, albeit, at a lesser amount after settlement.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022, I received an alert about a new inquiry on my credit report from Bank of America. I do not have a Bank of America account, nor did I apply for any new account with them. On my credit report, I can see that the name provided to XXXX was my first and last name, but the middle name was not mine, nor was the address provided one that I use. I first contacted XXXX to have them remove the account, who told me that I would need to contact Bank of America. Upon calling Bank of America, I am unable to speak to a representative unless I have an account number ( the robo prompt will not let me progress without an account number ). I then contacted XXXX again, and was told that I needed to file a police report and mail it to them for them to remove the inquiry.
Consumer complaint received 2022-09-01
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. (VA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-01
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 XXXXXXXX Account XXXX, Has Viotated 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 2022-09-01
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. (WA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2020-05-20
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)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have reasonable cause to believe that USAA fraudulently furnished my nonpublic personal information to a non affiliated third party. As the fiduciary USAA had an obligation to protect the security and confidentiality of my nonpublic personal information. I'm aware per 15 U.S. Code 6801 - Protection of nonpublic personal information, The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 7, The Racketeer Influenced and Corrupt Organizations ( RICO ) Act that I should have received an explanation on how to opt out of having my nonpublic personal information disclosed to a non affiliated third party. I have not received such explanation. I have reasonable cause to believe that USAA has omitted information required by law to disclose as an attempt to bring harm to me and my financial reputation. I have reasonable cause to believe that this has been done in forethought and malice. I have reasonable cause to believe USAA has not acted in good faith. USAA has fraudulently furnished negative information to a non affiliated third party without my lawful consent. Do to the non disclosure do to the known fact of any implied acquiescence would render a contract illegal. I have reasonable cause to believe that the CRA 's have not conducted any reasonable investigation due to the unjust enrichment received. This conspiracy against my rights is a violation of the Sherman Antitrust Act and is causing a restraint of commerce or trade due to the punishment for the non repayment of an extension of credit. I have reasonable cause to believe that this was done to coerce payments under duress. This is a unilateral contract. How is this a lawfully binding contract? Only one side or party USAA received consideration. If one side receives consideration the contract is not lawfully binding and illegal under The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 -7. No contract can make me give up my constitutional rights. USAA never gave me a contract to verify the alleged debt. USAA has XXXX days to remove the alleged debt or give the consumer a contract with a signature. USAA financial institution is causing a restraint of commerce and fraudulently validating an alleged debt with a billing statement.
Consumer complaint received 2020-05-15
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. (NC)

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.