davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/2023
Consumer complaint received 2024-01-11
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 (NY)

I was gifted an Amex prepaid gift card of XXXX usd and have not been able to find a single store that accepts this card in 3 years. It expires in XX/XX/30, I might expire before then.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

I hope this message finds you well. I am writing to express my concern and submit a complaint to TRANSWORLD SYSTEM INC regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSWORLD SYSTEM INC will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told XXXX, Transunion, and XXXX to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : 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 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AL)

I was attending XXXX XXXX  from XX/XX/XXXX until XXXX of XXXX. My payments were messed up on XXXX end like so many other students causing me to no longer be enrolled until I could pay off a big balance out of pocket. That balance could not be paid at the time and I had other debt so I was not able to finish going to school. The school has since gone out of business and my credits were finally transferred years later after already being out of college for YEARS. I am now paying off student debt from an illegitimate college and would like some help getting this debt removed.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tebo Financial Services, Inc. (OH)

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CT)

I had auto-pay set up on my account and never disabled auto-pay. Target stopped my auto-pay without my knowledge and marked me for non payment in XXXX and XXXX. I never recieved statements for the amount due or notification of missed payment. I only found out because XXXX XXXX  alerted me of a 30 day past due. I have never been late on anything. 

I also made a payment in XX/XX/XXXX  that they never processed.
Consumer complaint received 2024-04-19
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. (MO)

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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently pulled my Equifax credit report there is 10 different addresses that I have never lived at. 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 2024-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CA)

I had saw an ad on my phone for XXXX 's & XXXX XXXX 's tour merchandise and had thought that they were a legitimate website. I used Affirm to help pay for my order in 4 installments. I paid the full 4 installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from affirm for help. They did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from affirm stating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. Instead of reaching out to their merchant and conduct their investigation on fraud, they left me the consumer to deal with the issue. They said nothing can be done and asked me to reach out to the merchant. I already stated to them that the merchant does not respond. They have the capability on their end to resolve this issue and get in contact with their merchant that is using their platform but instead they choose to charge off my balance and now XXXX is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as Affirm is choosing to ignore my emails and they have closed off the dispute. I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with affirm which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I was unable to locate my account number
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (VA)

As a XXXX veteran who was taken advantage of to collect repayment by XXXX which was caused by HUMAN ERROR ; NOT MINE FAULT, I should not be liable for the additional ADMINISTRATIVE COST OF {$1100.00} charged by your company.
Consumer complaint received 2023-04-21
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. (AZ)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Guild Holdings Company (TX)

As executor of the estate of my deceased mother, her home was sold and closing disclosure dated XX/XX/XXXX with a closing date of XXXX Title company handling was XXXX XXXX XXXX XXXX The following month I received notices of " corrected '' tax statements from the XXXX XXXX tax office and the XXXX XXXX XXXX XXXX 's office requesting additional funding for the previous year XXXX tax bill. 

I requested an explanation from the title company. Their response sounded like they blamed the taxing entities, stating " It looks like they took off the over 65 exemption off of there. We collected and paid what showed on our tax cert we sent off of and a copy of the check we sent it. What is left will need to be paid by you out of the estate. '' Now their insurance company XXXX XXXX XXXX XXXX XXXX is demanding reimbursement for what they described as " due to the retroactive removal of the Homestead and Over 65 Tax Exemptions. '' I contacted the tax offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , as well as second opinions from the Tarrant Appraisal District, another title company and a couple of realtors. Unanimously they all agreed with the statement from the office of XXXX XXXX XXXX , that " the title company did not perform due diligence. '' It is confusing that a title company would not anticipate the retroactive tax bills as that is one of the things they are paid to research. The assets of the estate have been disbursed and there are no funds to pay for this error.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (OH)

in XXXX of XXXX  i recieved a notice of a collection account with a balance of {$440.00} of principal, {$98.00} in interest and {$260.00} in fees for a total of {$800.00} was sold to XXXX  XXXX XXXX XXXX. on XXXX connected to my name and information that is not mine. i disputed this with the debt collector as per the instructions on the letter stating the transaction is no longer owned by citibank.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just received a copy of my credit report and noticed the following errors. 
1 ) XXXX, XXXX, and XXXX Acct # XXXX Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This looks like someones medical collection as well, which is a HIPAA violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. Please DELETE this collection as soon as possible.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (LA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Hi, this was the most recent letter written to Comenity Bank. I continue to have problems and get no response. 

Since opening my card in XXXX I have had multiple issues with payments and charges to my account. 
- XX/XX/XXXX, I was out of the country and denied re-entry to the US due to having XXXX. This time frame was greater than 30 days. I checked all of my accounts prior to leaving to ensure autopay was active and all but my Comenity payment had processed. I made the payment upon returning but eventually a late payment hit my credit reports causing them to drop on average XXXX points! 
- Around this time, your business was switching financial institutions and there were no updates to my balance for 7 months! This falsely elevated my credit utilization which did not reflect my ability to pay back the debt to other lenders. 
- XX/XX/XXXX, an unauthorized amount of {$830.00} was debited from my account. This was the full amount of a purchase I recently made that came with a 0 % promo period. I had insufficient funds in that account, was charged an overdraft fee by my bank, and this payment was not returned to me for 10 days. 
- Since the payment was returned, Ive been hit with multiple interest charges to the balance and this should not be accruing interest. I was supposed to have 9 months of 0 % interest to repay for my purchases. One was removed and at my most recent request to have the second removed and the 0 % restored to my account appears to have been disregarded as it is still there. 

As of this writing, the interest payment has not been removed, I still have not gotten any response. Today when i logged in to check that the payment would be drafted via autopay, it shows no automatic payments are set up even though last month it was and ive made no internal or external changes with my account. 

Thank you for taking the time to read this, XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

I was contacted through email by Transworld Systems Inc about an alleged owed debt amounting to {$110.00} with a specific account number on XX/XX/2023. I responded to the alleged debt by disputing the obligation of payment by me and requested a debt verification letter. To which there was no response in within XXXX days. 
I have recently received correspondence dated XX/XX/2023 and received it XX/XX/2023. There was an attempt to verify the {$110.00} account along side a added {$210.00} debt both associated with a different account from the first interaction. I contend that Transworld Systems XXXX has violated 15 USC 1692 H, J, F ( XXXX )
Consumer complaint received 2024-01-24
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. (GA)

XXXX XXXX XXXX on XX/XX/year> reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (PA)

The student loan was from 2004, its been 20years now and the U.S. Department of education is still reporting the loan to my credit. I've never reached out to anyone and the U.S. dept. of education claims I've agreed to repay with an installment plan. That is completely false because I have had no contact with them whatsoever. They have provided false information, please advise on how to resolve. I recently contacted XXXX and there investigation report did not resolve the issue.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

PenFED is my mortgage and XXXX  XXXX. They failed to provided XXXX XXXX XXXX  when requested in 2022 and most recently falsely advertised the offering of natural disaster loans. XXXX XXXX XXXX PenFED was notified of a natural disaster that has caused significant damages and losses to my property but told me by phone on XXXX separate calls that they do not offer the 7.99 % natural disaster loan offered on their website.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute an unauthorized hard inquiry on my credit report. This inquiry violates my rights under the FCRA. This inquiry dated XX/XX/2024, was not authorized by me and lacks any legitimate reason. I request immediate removal and confirmation of action taken.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I hope this message finds you well. I am writing to express my concern and submit a complaint to FAIR COLLECTIONS & OUT regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in XXXX U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, FAIR COLLECTIONS & OUT will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

In XXXX I made a purchase at XXXX XXXX, this was the only purchase made by me. I later went to XXXX and lost my wallet, all of my cash and cards were gone. I reported I lost my card to XXXX XXXX and they sent out a new one which I never received. I continued my payments forgetting about the card since I only intended to make one purchase with this card. I called XXXX XXXX after receiving a paper statement notifying them of this fraud and not receiving my card after losing my old one. They told me they would mark this card as fraudulent and would fill out a report. They did not follow up. I called again asking about this matter and they said they saw the fraud report and had no further information. There was no follow up. I called a few more times and the person said they didn't see anything in the system. Now this account is with Midland Credit Management and they want me to pay more than what I originally owed. They were threatening on the phone and sounded like I was being scammed for a large amount of money. I explained I wouldn't pay more than what I specifically purchased which was that TV.