davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the Veterans Affairs who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child XXXX XXXX XXXX and I desperately require moving into a larger home.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (FL)

I have contacted this company and no one can help me, it was a loan on affirm that I did not make from the merchant XXXX. Ive contacted XXXX and affirm and no one can help me. I have XXXX separate loans of {$1800.00} and {$1900.00} for supposedly XXXX laptops that I did not purchase or authorize. Affirm calls constantly for payment and texts me but I didnt purchase it. I am trying to figure it out with Affirm before I have to fully do a fraud report with my police station. I cant get a response from no one regarding the process.
Consumer complaint received 2022-02-22
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. (AZ)

To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds (IN)

I filed a chapter XXXX bankruptcy repayment action and listed my federally guaranteed XXXX XXXX student loan ( opening balance of {$39000.00} in XX/XX/1993 ) as a debt. XXXX XXXX placed my loan in default and filed an inflated claim of {$59000.00} before assigning the claim to the federal guarantor ( US Student Aid Funds ). The plan was successfully completed, and I received my order of discharge at the end of the case. 

Over the course of the bankruptcy, I paid pursuant to the court-approved plan, and the trustee remitted to US Student Aid Funds on my behalf, more than {$37000.00}, almost payment in full of the original amount borrowed. The lender 's own records ( which were provided to me ) show that the money was received but was not credited to my principal balance.. Despite my efforts to have their records corrected to give me credit for the {$37000.00} in payments I made during the bankruptcy and in the years since, XXXX XXXX ( now XXXX ) /US Student Aid Funds insists that my unpaid principal balance is {$60000.00}. 

In XX/XX/XXXX of this year, XXXX XXXX declared my loan in default and referred it to a collections agency ( XXXX XXXX XXXX ), which has threatened to garnish my wages in the near future, causing me severe financial hardship, unless I pay the full amount they claim I now owe -- which is a whopping {$82000.00}, more than double the original loan amount. The only way they can claim that my balance is so high is by continuing to refuse to credit me with the {$37000.00} I paid through the bankruptcy and the thousands more I paid since that time. This is beyond negligence on XXXX XXXX 's part ; it appears to be an effort to defraud me into paying considerably more than it's entitled to collect.
Consumer complaint received 2018-08-17
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: EQUIFAX, INC. (NJ)

I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies Equifax, XXXX, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).
Consumer complaint received 2018-08-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (WA)

TRIED TO MODIFY LOAN WITH NO RESULTS. 
I'm in foreclosure again and must sell my home. XXXX XXXX  is the beneficary of this 2nd deed of trust with 9 % interest. Is there any assistance from the XXXX XXXX  settlement for homeowners like me to payoff this non - conforming loan?
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (PA)

Hey, I was taking advantage of, due to malpractice while several laws were being broken under the Fcra by company. This caused me financial injury, this is cause of defamation of character. I cant get a job, I cant get credit or pay daycare. This hurt my ability to obtain credit because of this issue. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA or I demand these items be removed.
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I started this loan with XXXX XXXX in 2003 was having problems with payments so I did some deferments with the thought that they were put on the back of the loan is was then sold to XXXX now I'm with babies and it's at the end of mortgage in XXXX and I still have a XXXX balance what can I do and does XXXX XXXX owe me any money with that law suite.My understanding wasXXXX a month for 161 months which I think was enough please help! I'm XXXXXXXX military 23 years work for the XXXX XXXX XXXX for 19 years and planning to retire in about one year! Thanks XXXX l could XXXX
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CA)

This debt collection agency, assumes I have an acct with them, I asked numerous time to release proof of identification such as dL # and signatures along with records that I apply or put in a application of credit with this company the refuse to relinquish information. I would like for immediate removal from my credit as soon as possible. They keep send anonymous mail to my house, I need it to stop.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (FL)

I made a complaint right here and they did nothing so this complaint process seems to be as bogus as checkngo 's promises. They broke the agreement and took money 3 days early. Then after I complained they said they would send me {$35.00} for their mistake. I sent them payment minus the XXXX dollars because i don't trust them/ now they say they don't have my money and are badgering me to pay them again.The loan was to be paid on XX/XX/XXXX they took the money XX/XX/XXXX the loan was for XXXX XXXX to be paid back with interest and fees. I paid them they broke the contract and now they claim i haven't paid. I have proof from my bank that shows all I am saying is accurate. They will not correct their mistake and they continue to punish me for it.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (VA)

Caller was professional and did not use abusive language or call to frequently. 
My problem is they demand that i disclose my Social Security Number and refuse to verify my identity any other way. 
The Privacy Act of 1974 as well as Virginia 's Protection of Social Security Numbers Act make it unlawful to deny any service for refusing to provide my Social Security Number. The Creditor is stating they are associated with collecting a debt of {$XXXX} from Virginia State Taxes. I have attempted to contact the Virginia State tax office however, the phone has never been answered for my numerous calls. Seem there is no way to contact anyone at the tax office. It seems very strange and suspicious that a state tax agency would place {$XXXX} to a private collection company based out of state ; that is either unfamiliar with the law or disregards it. This is such a minor amount of debt that I had thought was already paid as I do every year. The collection company is called PennCredit corporation located at XXXX XXXX XXXX XXXX, PA XXXX with a phone number of XXXX
Consumer complaint received 2019-10-07
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: Credit Bureau of Carbon County (UT)

" NEW ISSUE '' XXXX  and COLLECTION CENTER, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (OK)

I received a notice on my Credit Report that I had a Collections. I disputed it and found out it was about a XXXX  debit. I never received a bill or anything saying I owed them. I filed a dispute with the Credit Reporting Agencies and the XXXX, back in XXXX. I got a response from XXXX on the XXXX  dispute. I responded telling them I was never informed about a bill and if they would send me a bill I would pay it. No response back. I received a letter last week from the Collections Agency asking me to pay the collections, this is the first notice I have received about the Bill/Collections. 
I don't know what to do to fix this. My credit has been damaged. I should have received a bill to pay not a collections. I have tried to find Legal help, no one responds or they don't have time. 
Can ANYONE advise or help?????????
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (MD)

I have been trying to clean up my credit and pay off my debts. I closed my bank account and have been paying my debts with cash or XXXX XXXX, etc. I attempted to pay off my {$270.00} XXXX from MoneyLion. I can not because my bank account is closed. When my Mom attempted to pay it off, she was unsuccessful because my bank account was closed. We started calling MoneyLion on XX/XX/XXXX and was promised a call back from a Supervisor on XX/XX/XXXX and XX/XX/XXXX, ( I spoke to XXXX at XXXX ). I was told that my Mom could use XXXX, XXXX XXXX or transfer money to my XXXX XXXX ' via her online banking. None of these methods work because my MoneyLion account is not a checking account. I don't know what else to do. No one has information on how to pay this off. Please help.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (IL)

I was involved in an employment scam which started on XX/XX/19 I was required to purchase items on my Credit Card. In which the fake company reimbursement me using what I found out now is a fake account number. So I made the purchases paid with the account number then my balance on my credit card was restored so I made more purchases since the payment seem to have went thru I shipped the product out. After 6 weeks of this all of the charges came back to my CC as the payment was denied. At that point I found out I was being scammed.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, respectfully receive my greetings, it is to inform and notify that I have been appealing various things from my credit report for some time that is damaging my reputation. I definitely want them to eliminate all credit searches that I did not authorize. 
On one occasion I went to help a cousin buy a vehicle and I would be the co-signer and I made my suggestion that they not inquire about my credit because car dealers are used to making multiple inquiries
Consumer complaint received 2022-02-03
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: Self Financial Inc. (MA)

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
REPORT INFORMATION Type of Incident : Identify theft Following are the types of theft that I was a victim of : X Other Date of XX/XX/XXXX Time of Incident : XXXX Incident : How did you become aware of the incident? I just received an email saying that I owe money to XXXX XXXX  and at the time this taking place I was XXXX and wasnt staying at the address so I know that it was identity theft Location of Incident : XXXX MA Briefly Describe the Incident : I was XXXX  at the time of the incident so I dont really know what time it accrued but it says XX/XX/XXXX Information regarding Thief ( please provide any information that you may have about the alleged thief ) : N/a Please list all items that were lost or stolen, using as many unique identifying characteristics as possible. 
1. Identity ADDITIONAL INFORMATION Please provide any additional details that may be beneficial : I will like to get the account disputed off my credit This Police Report Worksheet is executed and agreed to by : XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX Recorded at XXXX XXXX
Consumer complaint received 2018-08-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2018 I bought a {$640.00} money order and I filled it out to my landlord he calls me a week later saying he never got his money order for the rent so I called them when you ordered a number on a money order and they told me it was cashed XX/XX/XXXX so I paid {$25.00} to get a photocopy of the money order and the other paperwork tell me where it was cashed and all that so I don't get a police report and I take it to the bank TD Bank at XXXX XXXX XXXX XXXX I go in there and talk to XXXX who - vice president and I tell him what happened and he looked at my photocopy wanting his office prank it up on the screen and he said he knew what was going on the same guy was stealing money orders and checks out of the mailbox and he did it like 20 times he cashed yet he cashed my money order and everybody else is in his own name in his own account at the bank and none of the checks or money orders had his name on it he deposits on there and they gave him the money even though they weren't for him and now TD Bank and then mr. XXXX who XXXX was supposed to give me the number to the detective and told me to get on the caseload the number he gave me was the wrong number there was no detective there and every time I try to call back if you don't answer my phone calls you don't call me back I leave message they don't call me back I don't know what else to do I'm in a loss I got the police report the receipts everything my landlord is threatening to throw us out if you know he don't care what happened I'm scared
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (FL)

I was approved on XX/XX/2022 for XXXX for 6 month forward Payments, starting XX/XX/2022 .My Mortgage Company is Interfirst the monthly Mortgage is {$1000.00}. I emailed the award letter to Interfirst on XXXX and XX/XX/2022 I also faxed it on XX/XX/2022 and they state they never received it. As of today the Mortgage Payment has not been applied to my account. When I call XXXX XXXX they say the payment was sent out on XX/XX/2022 and the mortgage company is saying they didn't receive it. I emailed my Case worker and never got a response from him either and the Escalation department from XXXX XXXX never reached out to me either. So my mortgage Company want 's proof from XXXX XXXX that the payment was mailed out. Please look into this. 
Thank you XXXX XXXX
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

On the XXXX of XXXX I went to a pnc branch located at XXXX XXXX XXXX XXXX XXXX ga XXXX the atm ask me for a receipt and I said yes so I press deposit then after I deposited my money of {$1600.00} it was counting my money then the atm said error has occurred please contact financial institution so I enter my card again and checked my transaction and my money was not there so I called pnc they said its go take about 10 business days a couple days later they told my claim has been denied because the amount. Of money in the atm so i was thinking because on XXXX it says XXXX has been having alot of fraudulent checks going around and goin to pnc so that was a lie they told me and I contacted that branch I went to and ask have a technician came out to check the atm and I was told no so they lying to me about my money and they dont wan na give my money back.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MN)

I cancelled my XXXX XXXX around XXXX in XXXX, after noticing I was still being charged for several months while the gym was closed due to the Covid-19 pandemic. I spoke with two of their employees ensuring I would be reimbursed for the amount taken from my account during their closure. The first staff member I spoke with asked few questions and said I should expect to be credited within a couple days. The credits did not get refunded so I reached out a second time and spoke with another staff member who helped me through the process of crediting my account as previously promised. During that same conversation I informed them the coronavirus outbreak resulted in me losing my job and I needed to cancel my gym membership. She said I could cancel at that time, or instead, I opt for a temporary account hold that would automatically renew in six months. I refused the hold and clarified I was only interested in cancelling as I was in a state of financial uncertainty and had concerns about health safety. She verbalized understanding and agreed to cancel my account. 
Over a year later in XX/XX/XXXX, I was reviewing credit card statements and noticed the XXXX had been charging me monthly membership fees ( $ XXXX. XXXX from XX/XX/XXXX - XX/XX/XXXX. I contacted their customer service on XX/XX/XXXX about the mistake, and informed them I had not been a member, nor had I attended their facilities since their shut down during the pandemic. 
After many weeks, the XXXX charges had not been refunded so I consulted with my credit card company via telephone, to investigate the issue. 
XXXX XXXX refunded my account and proceeded to contact the XXXX requesting documentation proving valid membership, or a term agreement showing I was financial responsible for fees from XX/XX/XXXX - XX/XX/XXXX. 
Due to the XXXXs lack of communication and failure to provide documentation, XXXX XXXX fraud investigations concluded I was not responsible for the disputed charges, I won the case and the claim had been closed. 
Shortly after, the XXXX began sending threatening letters and emails regarding an outstanding balance. 
Next, on XX/XX/XXXX, I began receiving TransWorld Collections notifications stating theyd taken on the debt of {$170.00}. The first letter explained that it was my Right to notify the agency within thirty days informing them of inaccurate/disputed charges, which I did. 
Since the case has closed, Ive continued to be harassed by both the XXXX, and TransWorld Collection Agency falsely accusing me of owing {$170.00}. The investigation preformed by my creditor supports that I do not owe any money to the XXXX, nor do I owe TransWorld Collection Agency. 
I lost my job during the pandemic and was unemployed each month I was unknowingly charged for a membership I did not agree to. Im disgusted on how unethically the XXXX has handled this issue, and I do not deserve to be continuously taunted with debt threats from TransWorld Collection Agency.