davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (TX)

I visited XXXX XXXX XXXX XXXX in XXXX, Tx on XX/XX/2015 and was charged {$770.00} for my visit. 
My insurance at the time, XXXX, paid {$210.00} with a balance of {$550.00}. 
XXXX paid the remaining balance of {$550.00} around XX/XX/2015. 
XXXX XXXX XXXX XXXX turned an unpaid bill of {$550.00} to collections when the bill was actually paid in full. 
I have been disputing that I do not owe any money to XXXX XXXX XXXX XXXX and do not understand why this was turned over to a collections company name : XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX or ( XXXX ) XXXX. 
I have called the collection company numerous times and they do not ever answer the phone. 
I have also submitted multiple disputes with XXXX and the collections company says it is mine bill. I've explained it is my bill but it was Paid In Full and should not have been submitted. 
I have screenshots from XXXX website EOB showing they made two payments to your company and paid the bill in full as stated above.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

I made a purchase on XXXX and at checkout was offered a affirm payment option. I opted to use affirm. After getting the product it was damaged and XXXX issued a credit. I made all the payments to affirm minus the credit that XXXX said it was going to issue.After months of going back and forth XXXX said they kept trying to do the credit and affirm would not accept it. I communicated this with affirm and it seemed it was being work on. I have several emails from including on from XX/XX/XXXX from affirm thanking me for my patience. During this time affirm contracted XXXX XXXX and put the account in collection. There are many emails with affirm and XXXX that validate the credit. Regardless I paid the collection and XXXX gave me the credit personally. The original account was from XXXX of XXXX. Affirm although has been told by XXXX that a credit was attempted multiple times juts continued with collection and Reporting derogatory information to my credit report. I have exhausted every measure available to get this correct as I was clearly not in the wrong. I made every payment to affirm on time on and had approximately XXXX dollar balance which was less then 10 % of the original loan. What was suppose to be a consumer centric product that I did everything I was obligated to do became a credit nightmare. I would never recommend anyone use affirm and they should be investigated. No phone number at times 1-2 months to get a response via email.
Consumer complaint received 2020-05-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (FL)

I checked my credit report, and saw an account for General Revenue Corp for XXXX XXXX University in the amount of {$6000.00}. At the time the account became delinquent and I had to drop out of, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, I would like to state that TransUnion is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting, The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. TransUnion is going out and seeking negative information about me, it is an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). TransUnion is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) 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. TransUnion did not have a permissible purpose, nor did they have my written instruction to report bankruptcy on my behalf, the consumer XXXX XXXX XXXX XXXX. Transunion, without my written consent, furnished negative information about a XXXX  XXXX Bankruptcy XXXX # XXXX on my consumer report. I never gave TRANSUNION or XXXX any written consent to report anything on my consumer report. XXXX alerted TransUnion that Bankruptcy records were deleted from their system and instructed TransUnion to remove the Bankruptcy from my file on XX/XX/2021. It is almost a year later, and TransUnion is still reporting this negative information on my consumer report. I am filing this second complaint because this consumer reporting agency is just violating my rights ; I also attached a letter from the said bankruptcy court in the XXXX XXXX of Michigan stating that they don't furnish anything to the consumer reporting agencies because they know its fraud. Transunion is also in violation of 15 USC 1681a- ( e ), which states 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. TransUnion claimed to investigate the dispute. However, they fail to adhere to 15 USC 1681a- ( e ), which it a direct violation of my rights. I would like this Bankruptcy deleted immediately.
Consumer complaint received 2022-07-28
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NJ)

In XX/XX/2022, Synchrony XXXX/Synchrony Bank/Mattress Firm sent me a credit card with my name on it to activate for advertisement purposes. I did not request to have a new card but currently am a customer of Synchrony XXXXSynchrony Bank/Mattress Firm .
Consumer complaint received 2020-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NC)

I have 2 loans with AMERICAN CREDIT ACCEPTANCE BOTH AT 20 % INTEREST. I have tried to pay my loan down by paying more than the minimum payment. They do not apply any additional funds to my principal balance. I have been paying one of my loans for 20 months and my balance does not go down. I have tried to see about getting my interest rate lowered ... .they refuse. I can not get out of either vehicle because I am up side down XXXX in XXXX and XXXX in the other. I would like all of extra payments applied to my principal balance, and a lower interest rate.
Consumer complaint received 2020-05-23
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. (FL)

A vehicle loan with XXXX XXXX was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called XXXX and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

XXXX took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (NJ)

I received an email this morning, XX/XX/XXXX, from Discover that my account access had been suspended due to unusual activity so I called them to verify anything I needed to. I was then told that my account had been closed by Discover on XX/XX/XXXX due to business reasons but could not be provided any specific reason. I was asked to verify a check that I had deposited on XX/XX/XXXX from my place of work but was still told that my account was closed and there was nothing that could be done. I was also told that I can not access the account nor can I withdraw my money. They said I should get a check for the balance in 60-90 days but thats all the money I have. Why should they be able to hold my money for 2-3 months? I asked to speak with a supervisor and was told that none were available and that ended my call. That money is quite literally my livelihood, I have no way to pay bills or anything now because of this. And nothing was proven to be fraudulent in the account, it was just closed without reason and without me being able to verify anything.
Consumer complaint received 2022-07-28
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

Account Number : XXXX XXXX  XXXX XXXX is reporting this account as " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed before I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX XXXXXXXX XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX XXXX XXXX representative sales XXXX stated my account was at a XXXX balance and my account was closed, in XXXX of XXXX of 2015, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the XXXX forces. I have disputed this account numerous times within the past 5 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.
Consumer complaint received 2022-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom it may concern, 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. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/scrub>XX/XX/XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2020-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NJ)

I bought a car and Santander Bank was the lender charged me 21 % and XXXX for 74 months they got a lawsuit for price gouging and I am suing also I have asked numerous times I want it off my credit. Dates bought it XX/XX/XXXX repoed in XX/XX/XXXX lemon car.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the inaccurate information being reported on my credit file. Specifically, [ Account Number ] is being reported as a redeemed repossession on my credit report. This is incorrect and misrepresents the true status of the account. 

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting an account as a redeemed repossession when that is factually inaccurate is a clear violation of this obligation. I have not redeemed any repossessed property or vehicle, and the inclusion of this remark is erroneous. 

Furthermore, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information on my credit report. Once notified of a dispute, the credit reporting agency is required to investigate the accuracy of the disputed information within a reasonable time. I am now exercising this right and requesting that you investigate this claim immediately.

2. Violation of the Uniform Commercial Code ( UCC ) 9-625 According to UCC 9-625 , creditors are required to adhere to strict guidelines concerning the repossession and redemption of property. Reporting a repossession inaccurately, when no repossession has legally occurred, violates the principles set forth in the UCC regarding fair and accurate reporting of financial transactions. Moreover, UCC 9-609 details the specific rights of creditors when taking possession of collateral after a default, and no such action has taken place in my case, nor has any redemption.

3. Impact on My Credit Score and Financial Health The inaccurate reporting of a redeemed repossession is unjustly harming my credit score and financial standing. A repossession or the suggestion of one, redeemed or otherwise, implies negative credit behavior, which is not the case here. Reporting such false information is damaging to my ability to access credit, and it violates my rights under the FCRA and UCC.
Consumer complaint received 2022-07-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

PayPal has illegally withheld funds from me and have not released it to my account. I provided proof that the buyer was satisfied with my service and paid for my service in full in return. PayPal continues to hold to my funds illegally. 

Buyer information XXXX Transaction amount {$140.00} USD Refund requested {$140.00} USD Transaction ID XXXX Date reported XX/XX/2020 Buyer notes