davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (SC)

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX Method of verification was not provided. 

XXXX XXXX Account was removed and added back without a re-insertion letter. Method of verification was not provided. 

XXXX XXXX XXXX Method of verification was not provided. 

XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXXXXXX XXXX  XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXXXXXX XXXX Method of verification was not provided XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXX  XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXXXXXX XXXX Method of verification was not provided No Name Account XXXX Account is incomplete, how was this verified ? 

XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AL)

XXXX XXXX XXXX has employed a bank, Comenity Bank, which has only a website available to make payments. 

The website has been down for over 36 hours as of XXXX XXXX on Tuesday XXXX XX/XX/2022. 

https : //c.comenity.net/ac/bjs/public/home Additionally they do not answer their phone for over thirty-six hours. 

Consumers who have had payments due can not pay their bills. 

XXXX XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Collections West, Inc. (AZ)

US COLLECTIONS IS GARNISHING ME AND MY XXXX DAUGHTER PAYCHECK AND NOT REPORTING IT TO MY CREDIT BUREAU ITS ON MY CREDIT I HAD NO IDEA THIS WAS GOING ON XXXX MY JOB TOLD ME THEM I WAS SENT A COURY DATE OF GARNISHMENT CAN YOU PLEASE HELP I DON'T KNOW IF I SHOULD TALK TO A LAWYER ABOUT WHATS GOING ON I TRIED TO LET THE COURYS KNOW AND THE COURTS TOLD ME TO CONTACT US WEST COLLECTIONS AND THEY HAD THE SAME EMAIL AS THE COURT HOUSE AND TOLD ME THERE IS NOTHING WE CAN DO.
Consumer complaint received 2022-06-28
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have contacted XXXX asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps XXXX took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called XXXX I was told I needed to file a fraud report that is not what their website says. This here is my fraud report.

UCC1-308
Consumer complaint received 2022-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

Dear Madam or Sir, I am a XXXX veteran, XXXX XXXX in XXXX. 
I am a XXXX XXXX who volunteered in two counties near my home during the COVID crisis. 
I am also a holder of significant graduate loans that were held by FedLoans until recently. 

I wrote to The Office of the Ombudsman for Student Loans after reading an article outlining how many borrowers had wrongly been steered toward forbearance instead of XXXX dollar options on their programs. I was one of those borrowers. 
I had periods of unemployment and was regularly directed toward forbearance by FedLoan representative, which resulted in XXXX of dollars that I had to pay to interest/compound interest and that was not applied to my loan, thereby creating more interest on the principal held. 
I sent the letter, return receipt, in XX/XX/XXXX. The letter was received XX/XX/XXXX. I did not hear back as of last week and started making calls. I was transferred multiple times to people who could not help. A helpful agent named XXXX XXXX, in Kentucky, took my number and assigned me a case number # XXXX. 
Today, I got an email from XXXX, my new student loan holder. They've held my loans for less than 5 months and none of my payment history is on their site. 
I've looked back at FedLoans and none of my history is on their site. 
I am concerned that, like millions of other borrowers who signed on to programs that were mismanaged, I will not see the result of my diligence and the XXXX figures I've paid on my loans. 
I would appreciate your assistance in this matter. 

Very Respectfully, XXXX. XXXX Veteran, XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Comenity Banks system is completely down. I have been unable to access my accounts to view charges or make payments. The system does not allow me to log in using my log in details. I have several credit card accounts with Comenity Bank and all of them are not accessible. They have provided a generic prerecorded message when I call they have a system outage that has lasted longer than expected. They also have a similar message on their XXXX feed. I do not know my balance, nor can I see my recent charges and I am unable to make a payment.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (PA)

-- On XX/XX/22, we hired a local plumbing company to do some minor work. My brother paid on the spot with a combination of cash and a {$200.00} money order he originally intended to use for a different bill but had not used yet. He had bought the MO at a supermarket ( XXXX ), which is an agent for Western Union. At the top of the MO, it says " payable at XXXX XXXX Bank XXXX XXXX - XXXX, XXXX, XXXX XXXX, Colorado. '' -- Money orders aren't supposed to bounce, and yet this one bounced. On XX/XX/22, I received a call from the plumbing company saying that XXXX Bank had rejected the MO. The plumbing company sent me a photocopy of the notice, which included the bank 's photocopy of the front of the MO, marked " Refer to Maker - Do not redeposit. '' The bank charged the plumbing company a {$25.00} return fee, which the plumbing company now wants from us along with {$200.00} -- which means an *additional* {$220.00} beyond what my brother paid for the plumbing work in the first place. 
-- Between XX/XX/22 and now, I've tried multiple times to follow the instructions on Western Union 's website ( https : //www.westernunion.com/self-service-form/rmo-form ) by calling the phone number it says to call first to check the MO 's status. Each time, I've either ended up with an automated message saying " We can't help you right now, try later '' or in a loop ( entering the XXXX MO number, entering the dollar amount, and being asked for the dollar amount over and over ). *Western Union charges a {$15.00} nonrefundable fee to track the MO it apparently rejected without explaining why it rejected it, and its list of radio buttons under Reason for Request does not include " We refused to hand over the money you paid us '' as XXXX of the reasons -- suggesting that using that form would just lose us an additional {$15.00} without solving the {$200.00} ( and {$25.00} ) mystery. 
-- I also tried calling the XXXX XXXX XXXX XXXX branch, the XXXX XXXX automated line that the branch banker referred me to, and a national number for XXXX XXXX ( including asking for the call to be escalated and speaking to a supervisor ). Each of those people asserted they can't do anything about it, it's up to Western Union.
Consumer complaint received 2023-02-19
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. (UT)

I placed a dispute on my Experian credit report for an item that was incorrect. Experian resolved the dispute but removed the wrong account from my reporting. They removed my current auto loan from my finance company and my score dropped. I have documents and invoice statements and I need it readded and corrected, as well as my finance company has not reported on my Experian report since XXXX of last year. Im trying to buy a hous and move forward from my bankruptcy but unfortunately can not due to this issue and most creditors and lenders look at Experian first
Consumer complaint received 2022-06-07
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-07
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)

I, XXXX XXXX XXXX, the consumer and original creditor am requesting that said company provide to me as the consumer to which this report pertains to, the audit trail and any written PERMISSIBLE PURPOESES THAT I SENT TO VALIDATE THESE INQUIRES
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In XXXX USAA accepted an Power of Attorney from my exwife, then wife XXXX XXXX ( aka XXXX XXXX XXXX ). In XXXX, I became aware that while I was in the military XXXX submitted a power of attorney to multiple financial institutions including USAA. Upon this discovery, I claimed identity theft by my ex-wife as it was also discovered she had changed her identity in XXXX to evade detection by authorities and an Family Protection order to produce children to visitation. USAA refused to conduct an investigation based upon the determination that the Power of Attorney was " cut and pasted together and had multiple discrepancies of authenticity. The identity theft continues to cause damage to date. Although USAA provided a copy of the fraudulent document ; they refused to investigate the incident of identity theft.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

Experian also detailed me as having these connections XXXX and XXXX XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

Dark Web Scan has shown me that my SSN and DOB were exposed on the Dark Web several times.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hauge Associates, Inc. (KS)

XXXX XXXXXXXX XXXX- Was told by an associate that they would report my debt to the credit bureaus. Told them I couldn't do anything right now. 

XX/XX/XXXX - Associate was very rude during a phone call about trying to collect a debt. Then was informed about a new debt that I had no idea existed. 

XX/XX/XXXX - I called back to have validation letters sent to my new address and explained that I had not received any validation letters prior. They said they would not resend them. 

Countless phone calls between those two dates that was so many that my spam blocker on my phone started to automatically flag and ignore them.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-06-07
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. (PA)

XXXX  XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft report.
Consumer complaint received 2022-06-07
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. (PA)

XXXX XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft report.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Visa XXXX at XXXX the bank that has the card agreement with usaa savings bank - the issuing bank and who told me to call visa, refuses to tell me where I can get the exchange rate information use on foreign transactions for XXXX. Visa tells me to call USAA as the rates used are XXXX and exclusive rates for usaa and that visa does not have that information. I called visa  on XXXX and was on a recorded line. When I called usaa to get the info, they told me to call visa. So this complaint is for Visa as I have also filed one for USAA.
Consumer complaint received 2022-06-29
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate correction of the items in question.
Consumer complaint received 2022-11-30
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. (NJ)

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 Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.