davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

The account they said was mine, was : # : XXXX. I no longer have any papers that tell me what my account was 2 or 3 years ago with USAA. The following is a copy of the email I received. 



Final Notification Warning Hi ( my email address ) We sent you an alert concernig your US accunt on XXXX We are your having trouble verifying your billing details stored under your profile. We have limited your ability to use your XXXX due to mssng billi % RANng infrmation.. 

Nte : *Required information must be received within 48 hrs. 
Ntificatin Date : XXXX This will serve as last and final ntifictin for you to fix this error and avid suspensin. 

Click Here To Cntinue And Reslve Nw Thnk you, US RF D : XXXX Go Paperless Go Paprlss Review and edit your online document preferences at usaa.com. 

USAA Community Go Mobile XXXX XXXX XXXX XXXX More Please do not reply to this e-mail. 
To contact US, visit our secure contact page. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Ive called several times to get my address added to my credit report so my credit score can be updated. Theyve been giving me the run around making me wait 72 hours for the address to be updated and when I call still no update. Another agent repeats the process over and I have to wait another 72 hours
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi I'm contacting you because as right now Trans Union has just allowed a Company by the name of XXXX XXXX to report to my credit reports. This account was removed from Credit reports over a year ago and I have never been contacted by XXXX XXXX with any validation information from this account. On XX/XX/2022 XXXX removed this company from my credit report. As of today trans union as has added in back on. Ive been a victim of Identity theft and have been working really hard to build my credit and this type of mistake cause me extreme distress. 

the FTC number is XXXX and the last complaint that was filing on XXXX is XXXX Please have Trans Union Promptly remove this information from my credit reports! 

Ive tried to speak with someone over the phone but they ignore my request.
Consumer complaint received 2022-09-19
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. (MD)

In accordance with the Fair Credit Reporting Act 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 2022-05-15
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. (DE)

I HAVE ATTEMPTED NUMEROUS OF TIMES TO HAVE UNAUTHORIZED INQUIRES REMOVED FROM MY EXPERIAN CREDIT REPORT. I HAVE SENT LETTERS, CALLED NUMEROUS OF TIMES AND I ALWAYS GET HUNG UP ON WHEN I ASK TO SPEAK WITH A SUPERVISOR. I HAVE ATTACHED A FTC LETTER WITH ALL OF THE INQUIRES THAT WERE NOT AUTHORIZED BY ME. BLOCK AND REMOVE THEM
Consumer complaint received 2022-09-19
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (WA)

2 fraudulent charges were made on my credit card. I didn't make the purchases. In XXXX, XXXX I received a bill. I knew the charges were not made by me. I called the company and reported to the fraud department. They opened an investigation XX/XX/XXXX. I continue to receive calls from Comenity Bank collections ( weekly ). I explained charges are not mine and a fraud investigation is open.. I called fraud department back XX/XX/XXXX. Still not complete on investigation. I continue to receive calls from XXXX XXXX I've spent at minimum 5hours on the phone for this situation. 
Please help me. I need the harassing calls of collections to stop, I've never used this card, I should owe {$0.00} and I had the account closed immediately upon seeing the fraud charges early in XXXX. I am concerned this will be sent to collections, and I have not made any purchases on this account.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I write to request that periods of full-time public service combined with periods of in-school deferment be counted toward PSLF. [ I was informed by FedLoan that payments while in grad school would not count toward PSLF, so I did not make any payments. ] If these payments would count toward PSLF, I would have enough payment for my loans to be forgiven under the new waiver. This would be a huge weight lifted from my shoulders as I have been in repayment ( on and off ) since 2011 and the amount owed has actually gone up! It's ridiculous!
Consumer complaint received 2022-02-23
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. (MD)

I sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from XXXX and TransUnion, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.
Consumer complaint received 2024-10-22
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. (NJ)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : Name : XXXX XXXX XXXX Acct # XXXX Balance : - Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX 
Acct # XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX 
Acct # XXXX Balance : - Date Opened : XX/XX/XXXX XXXX : Name : XXXX  XXXX XXXX Acct # xxxxxxxxxxxx XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Acct # xxxxxxxxxxxxxxx XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Acct # xxxxx XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2022-05-15
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)

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 Account number XXXX, has violated my rights. This account is not mine and is reporting in error. I was not notified of any negative information on my report. Delete for inaccuracy because date of last active is incorrect because this account is not mine. Delete for violation of 15 U.S.C 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 r easonable cause to believe that the information is inaccurate.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I have transferred an amount of money to my brother in XXXX, XXXX for medical expenses through " MoneyGram '' on XXXX XXXX, 2022, and was promised to be available in a few minutes or in the same day, but in fact, all MoneyGram locations in the city ( XXXX, XXXX ) says there is an issue for receiving transfers from " MoneyGram '' and that is the status since XXXX weeks ago until today XXXX XXXX, 2022, my brother in XXXX not able to pick up or receive the amount of money transferred. 

Their customer service wasnt helpful in solving the issue, so I gave up on their service, and I am going to cancel the transaction, but they are not going to refund me the fees! which I have paid for a service that I haven't received! and in addition to that, they have caused harm by not delivering the amount as promised!
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial (OR)

USD Coin - USCD for short - is a supposed " XXXX '' issued by XXXX for use in buying and selling cryptocurrency. 

XXXX as a company has raised {$1.00} XXXX dollars in 11 rounds of backing. 

However, they have issued {$51.00} XXXX of USD Coin. 

They claim that each USD Coin is worth {$1.00}, and : " USDC is fully backed by cash and short-dated U.S. government obligations, so that it is always redeemable 1:1 for U.S. dollars XXXX Each month, we publish attestation reports by XXXX XXXX regarding the reserve balances backing USDC. " Where did the other {$50.00} XXXX that they purportedly have come from? They haven't raised anywhere near that much from investors. 

XXXX XXXX claims to attest to the value of their accounts every month, but XXXX XXXX has a history of deficient audits going back to at least 2005. And they are not, in fact, auditing their accounts- only attesting to them. 

I am not sure how it is possible for them to really be backed by {$51.00} XXXX when they have raised {$1.00} XXXX, and it smacks of an obvious scam- they have " minted '' over {$50.00} XXXX in this " coin '' off of a {$1.00} XXXX investment. 

Moreover, some crypto websites offer 9 % APY if you hold USDC, such as XXXXr - and USDC itself previously offered very high APY before cutting it. 

All of this smacks of a fraudulent scheme, where people purport to have something equal in value to {$1.00} USD, but it is not. This allows them to trade their worthless " coins '' for other forms of cryptocurrency, which they can then sell for cash. 

All of this is on top of the obvious fact that there is no reason for a " stablecoin '' to exist at all- if a stablecoin is worth {$1.00} USD, why would you ever not just keep {$1.00} USD, like people do with stock brokerage accounts? 

The only reasonable answers to this is that the {$1.00} USD that supposedly backs these coins doesn't exist, or that you are doing something illegal with this supposed " money '' that you couldn't do with actual US currency.
Consumer complaint received 2022-05-15
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I had an account with XXXX XXXX which XXXX XXXX XXXX had possession of the debt which a settlement was reached and the debt was suppose to be eliminated. They later sold the debt Portfolio Recovery and it is causing my credit to plunge and the debt has been settled. XXXX XXXX XXXX has a class action suit filed against them for mishandling debt. Please if you all can look at resolving this issue it would be greatly appreciated. 
Portfolio Recovery {$1500.00} Portfolio Recovery {$1600.00} Account # XXXX In the letter they also said they acquired the debt on XX/XX/2019. This is total scam! XXXX was eliminated from report.
Consumer complaint received 2022-05-17
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. (LA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # 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
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I AM NOT REQUESTING VALIDATION FROM THE FURNISHER OF THIS INFORMATION. I AM THE ONLY PERSON WHO CAN VALIDATE ANYTHING ON MY CONSUMER REPORT AND CONGRESS STATES MY CREDIT REPORT SHOULD BE EQUITABLE TO ME. After reviewing a copy of my consumer report I noticed late payments posted on my consumer report : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina 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 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have recently been laid off and I am going through a divorce. I contacted Bank of America on XX/XX/2022 to ask for a renegotiation of repayment terms based on my decreased loan balance. I am willing to make payments, but I need a lesser payment amount. I had been making regular payments for at least 2 years and Bank of America refuses to help me with revised payment arrangements. Bank of America would rather negatively report on borrowers as opposed to trying to help someone who wants to pay but simply can not pay quite as much due to a recent layoff. 



XXXX XXXX has begun reporting an account as a collection on my credit. This account is not solely mine and is currently being negotiated inside of divorce proceedings. I have spoken to agents at XXXX XXXX and I have explained that my I am unable to reach my ex regarding this debt, nor do I know where she is, nor am I able to or required to make the full payment. I have further explained that the balance of this account will be paid in full by both my ex and I, once the divorce is finalized. I was misled to believe that the creditor would wait for the final divorce decree before any further action would be taken. This debt is only 1/2 mine and I intend to pay the debt in full with funds that I am entitled to receive in the divorce proceedings.
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-05-15
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. (CA)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) any thing other than this should be changed or fixed.
Consumer complaint received 2022-05-15
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. (OH)

In Accordance with the Fair Credit Reporting ACT 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 an account without my written instructions.
Consumer complaint received 2022-05-15
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