davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (IL)

For the past two years, I have been disputing incorrect information on my credit report concerning Affirm. I bought doors from XXXX and they were financed through Affirm, but I had to return them because they were the wrong size. I remember speaking to a representative who told me to wait for a credit to be applied to my XXXX credit card for the return of the doors. Despite this, I never received any statement or other correspondence from Affirm regarding the amount that was due. It was only when I checked my credit report that I saw the negative reporting from the bureau. I don't think I should be held responsible for this, as Affirm should have sent me a statement about the payments due. I have been asking for these items to be removed from my report for some time now, and I feel this is the only fair thing to do. You can see from the attached invoice that there is a credit, as the funds were transferred in XXXX and XX/XX/2021 for the return of the doors, but my report is showing XXXX and XX/XX/2021 as late. If I had any money owed to Affirm, they never sent me a statement. 

Thanks XXXX According to CFPB it's noted : Note : Under the Financial Protection Bureau : Statement required. The creditor shall mail or deliver a periodic statement as required by XXXX for each billing cycle at the end of which an account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, if delinquency collection proceedings have been instituted, if the creditor has charged off the account in accordance with loan-loss provisions and will not charge any additional fees or interest on the account, or if furnishing the statement would violate Federal law.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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

15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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. 


XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (KY)

Why is paypal, venmo and others charging you money to get your money back sooner? This is absurd. Why are banks taking 3-5 days, this is the digital age, no hastle of the post office. Americans are being price gouged at every turn and enough is enough. 

They certainly let you buy things instantly, but somehow getting your money back instantly is a fee? 

This should be a class action lawsuit NOW, not later.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have written 4 letters certified to remove inquiries and still some exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX I received an email that looked just like my house closing attorney, I was given an account to wire the money to for my down payment and closing cost of XXXX This was scam email that was some how intercepted during my communications with the attorney office, mortgage company and realtor. The fraudster gave me incorrect wiring instructions using the attorney logo and address quoting the amount needed and where to send. This was a fraud account and now I am out of my money and could not close on my home. I have filed an investigation with my bank, but still no answers. I need help in getting my money back.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted Transunion with regard to my XXXX score. I attempted to explain that my score was inappropriately low. The representative only indicated the company used certain algorithms and essentially I had no way to address the matter. I received a credit card offer today indicating it was a pre-screened offer for a card with a {$300.00} credit limit with a {$75.00} annual fee attached. Ive also received numerous loan offers at 6 and 7 % interest rates to reduce my supposed interest rate on credit cards. 
I purchased a new car using a 0 % interest credit card with a 3 % transaction fee, while earning more than 5 % on liquid investments. I have {$270000.00} in assets to cover my credit expense and am continuing to reinvest earnings in my XXXX XXXX until payment is due next year. 
I believe my credit score is XXXX to XXXX points lower than it should be.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I reached out to this debt collector named Transworld System Inc on XXXX once I discovered the item on my credit report. I searched for the company online and there are conflicting phone numbers. I XXXX  their address which is a XXXX XXXX XXXX XXXX, DE to see if I could find a phone number for them.which appears to be XXXX. I called the number and I spoke to a representative whom asked for my date of birth and the last four of my social and could not find any debt on file. He said Transworld has different divisions but could not instruct me on how to get in contact with any of the other divisions of Transworld. The debt showing on my credit report is {$500.00} and it has been reporting since XX/XX/2022. I have never entered into an agreement from this company. It also states that the original creditor is XXXX XXXX which is an utility company. I live in XXXX and XXXX XXXX doesn't service this city or the State of Texas and I have never entered into an agreement with this company.f
Consumer complaint received 2023-11-13
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. (TX)

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

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
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

My student loans were transferred to MOHELA this year. 

I submitted an application for an XXXX XXXX XXXX plan on XX/XX/2023. 

MOHELA failed to process my application ( it's listed as pending as of XX/XX/2023 ). 

I have received multiple, conflicting bills and information. A few days ago I received a letter from MOHELA stating they put my account into forbearance. No explanation was included. I did not request such an action. 

MOHELA seems incapable of providing me with the most basic information, such as a monthly payment amount, due date, and status of my XXXX application. MOHELA has effectively sabotaged our household financial plan.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (OH)

I had XXXX loans through this company one opens XX/XX/2023 which was paid off and closed XX/XX/2023 and another loan opened XX/XX/2023 and closed XXXX. Both were completely paid and closed, yet the company was still reporting as opened and full balances. I have been disputing this loan from XXXX since XXXX and the loan from XXXX I have been disputing since XXXX. Once disputed all credit agencies then adjust it, only to have XXXX  loans ( which reports under XXXX on my reports ) come behind and report account as reopened or having a balance repeatedly for the past 5 month ever single time its fixed they come back after to report negatively and inaccurately. I feel they are doing this to make me ineligible for other loans at better interest rates and force me back into XXXX % interest loan with them! They currently are reporting a loan closed in XX/XX/2023 is closed but has a full balance, when it was just fixed correctly XXXX weeks ago, they have caused me thousands of dollars by forcing my home loan to be pushed back months please take action against this company.
Consumer complaint received 2023-11-13
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. (TX)

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least XXXX days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX  XXXX Account # XXXX XXXX. XXXX Account # XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting act this creditor ( TransUnion, XXXX, and XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any purpose.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

My loan matured XX/XX/. It took XXXX XXXX XXXX  6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX  still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.
Consumer complaint received 2023-11-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Amex Prepaid Gift card not able to be used. Called XXXX times and said the the card available balance was there and saw that my transactions was declined multiple times ( provided no reason ). Asked me to continue to " TRY '' and use it other stores that accept American Express. Keep getting declined so called again and said I can submit a refund and it will take XXXX weeks. The card was a gift so the refund goes back to the purchaser and not the recipient of the gift card. Customer service from XXXX is of no help.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX, given to XXXX XXXX XXXX, given to XXXX XXXX, given to XXXX XXXX, allege that I owe Citibank from over 20 years ago, though Citibank claims I have never had an account. Now that I am trying to sell our home, all of a sudden I have a judgement appeared against me blocking the sale. They can not, or will not, produce a single piece of evidence regarding their allegations. No contracts, no signatures, no receipts. I was never served, nor given a court date to contest this matter, nor contacted in any form, or manner. In spite of numerous FDCPA violations, specifically : 804 ; 805a/b/d ; 809b/c/d ; 813a/c ; 814b ; and others, somehow, they managed to have a court approve a judgement without any proof twenty years ago. I have bought and sold three houses, qualified for mortgages, secured auto loans, etc. Never once in that time has anything appeared on my credit reports. These collection agencies have an unfortunate reputation of conducting this type of nefarious unprofessional business. We need to sell our family home and move. I take care of my special needs younger brother, and I am partially physically XXXX. This is unconscionable to allow this sort of unethical behavior to prevail. Show proof, or drop this matter now. 

Claim : {$43000.00} plus XXXX XXXX interest for I don't know how many years : $ XXXX. 

Judgement made on XXXX but I was only made aware of this two months ago.