davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was a victim of fraud worth {$7600.00} through cashapp. 

I contacted my bank and they instantly disputed the transaction and processed a chargeback. 

On XX/XX/XXXX cashapp claimed they reversed the charge and sent it back to my debit card. 

I did not see the reversal and called my bank, my banks also did not see funds cashapp claimed to return. 

Based off the emails cashapp has sent to me they are claiming they issued me a refund and that I should contact my bank to receive my funds. 

Which is a total lie, they claim that they are legally required to return all funds that are disputed by the issuing card handler. 

I have all the emails and messages.
Consumer complaint received 2022-05-18
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXX XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2024-12-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank offered me a {$2500.00} credit limit XX/XX/year>. I accepted it and today received a letter stating the limit was reduced to {$250.00}. My credit score has only gotten better since that approval. If they had offered me even {$1000.00} I would not have opened the account. The only reason I accepted the offer was because of the {$2500.00} limit.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian has told me my account Has been verified. Bankruptcy XXXX. I explain to them that I did a voluntary dismissal and that there is no money owed. They explain that they report as a dismissal no matter what kind. Since the dismissal have very different definitions I think it it important for the creditors to see that it was a voluntary dismissal. So if they cant show my judgment on my credit report accurate thrn that a violation of my fair credit act laws. Im am attaching court documents to prove my case. I will like to get compensation for there error in reporting. 
If the XXXX XXXX plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. 

A ) Voluntary Dismissal A debtor can file a motion to voluntarily dismiss the bankruptcy case, but the court may or may not approve the dismissal depending upon the chapter number of the bankruptcy case and the prior history of the debtor in bankruptcy. IMPORTANT NOTE : Dismissal of a bankruptcy case has serious consequences. For example, if a bankruptcy case is voluntarily dismissed, it may affect a debtor 's rights to the Automatic Stay in a future bankruptcy case. It is highly recommended to consult a bankruptcy attorney.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX, I learned that my XXXX XXXX XXXX credit card was closed on XX/XX/XXXX, for reasons unknown to me. This prompted me to inquire because I received a text message from XXXX XXXX, informing me that they could not process my payment. XXXX XXXX was on auto pay under the XXXX XXXX credit card. At approximately XXXX am I contacted Synchrony Bank and spoke to a customer service representative who confirmed that my credit card account was closed and that it could not be reopened. The CSR was unable to provide the reason for closure but stated I would receive a letter in the mail within 7 10 days informing me of the reason. I contacted Synchrony Bank several times following my original call-in hopes of speaking to someone that could provide additional information as to why my account was closed. Upon speaking to XXXX, a Synchrony Bank CSR, she informed me that an additional ( 4 ) credit card accounts with Synchrony Bank had also been closed. In addition to the XXXX XXXX XXXX, the following credit cards that were closed included : TJ Maxx, Lowes Advantage, Care Credit, and Ashley Furniture. XXXX also informed me that the letter on file indicated the reason for the account closure was due to Activity on accounts shows high risk of failure to pay. I questioned if this was a generic notification as well as what was this based upon. I further questioned the reason behind the account closure since ALL my accounts with Synchrony Bank were in good standing, statement balances were paid in full each month, my credit limits ranged from XXXX XXXX, to include as of XX/XX/XXXX I received a XXXX credit limit increase on the Lowes Advantage credit card. I am unable to access my credit card accounts online to obtain statements, transaction & payment history due to account closure and my attempt to obtain a resolution remains unsuccessful. With each call, I was redirected to contact the credit bureaus. My response to the CSR was the credit bureau reports what the credit card company ( Synchrony ) reports. I also shared that closing my accounts will negatively impact my credit score which has already decreased by XXXX points, it could also potentially cause negative consequences from my employer since I have a security clearance, as well as it will likely negatively impact my ability to secure credit in the future with other lenders and/or banks. I am also concerned as two of the credit cards, Care Credit and Lowes both have promotion/interest free balance plans. What will happen to the promotion, interest free benefit? Will I be required to pay them in full? Another issue to potentially ruin my credit worthiness. In reviewing my credit report as well as other credit platforms, my payment history reflects 100 % ( positive ).
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (VA)

The is a general complaint with gift cards from XXXX or XXXX that are given as gifts and are supposed to be able to be used in a store without registering the card, or online after registering the card. If you try to use it in a store there will be a hold put on it and may not be able to be used until you call them and they send you another one. It is a soft sham by US Bank National Association ( XXXX.XXXX  ) who, after receiving money for the purchase of the card do everything they can to keep from parting with their easy money. One easy question for you : can you not require the company to provide accounting on what percentage, and how much, of the income from their gift card purchases are actually paid out? They have even thought of this by saying that the account remains open forever. Come on guys. Have you really not looked into this? Every person so know has received one of these cards in the past 5 years.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC (IL)

I first applied for a loan in early XX/XX/2023. I was denied, and the phone rep told me they couldn't provide a reason for denial over the phone, and that I would receive the reasons for denial by email or postal mail. I was also told that I could try applying the next day. 

I've applied each day since then. Each day, I have been denied. I finally received the denial letter from early XXXX, and it simply states " Unable to verify application information. '' I called the company to see what it was that I needed to do in order to submit an application with information that could be verified. The agent again refused to provide any additional information on what information could not be verified or how I could submit an application that would be approved, and again told me that I could try applying again tomorrow.
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, XXXX, and Experian. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX/XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Go XXXX issued me a credit limit of {$4700.00} towards my dental credit. When I went to the dentist, they charged the card for the full {$4700.00}. I had been calling the dentist and the credit card to complain that this wasnt correct. XXXX originally told me there was nothing they can do about it and to resolve the issue with the dentist. After 2 years, I finally got the dentist to refund {$3200.00} that I had been paying interest on after pursuing legal action. After the dentist refunded the money, I contacted XXXX and had to speak with a supervisor because they would not refund my check. After speaking with a supervisor who informed me that they could have disputed the charges from the first time I called and alleviated all of this pain, suffering and financial hardships Ive been cause because of this. That supervisor then filed a dispute on my behalf. I received a letter stating that I would be refunded {$310.00} in interest charges. I was never refunded and the dispute was closed. I have called the company numerous times and was refused names, a # and have been hung up on each time. I finally spoke with XXXX XXXX who stated that was transferring me to a supervisor. I was once again hung up on by the supervisor and I am at a point of a mental breakdown trying to have this issue resolved. If someone from the corporate office could call me to have this issue resolved because I am close to filing a lawsuit. This is causing me great pain. Especially not to be able to SPEAK with anyone who can help me!!!!!!
Consumer complaint received 2023-12-05
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: Nelnet, Inc. (GA)

ON XX/XX/XXXX I CALLED NELNET AN REPORTED THAT MY STUDENT LOANS ARE PAID IN FULL, I WAS ADVISED TO UPLOAD A COPY OF M CREDIT REPORT SHOWING THE LOANS STILL SHOWED A OUTSTANDIN BALANCE, I WAS ALSO INFORMED BY THE CUSTOMER SERVICE REP THAT MY LOANS HASNT BEEN REPORT TO THE CREDIT BUREAUS SINCE XX/XX/2023. I LATER RECIEVED A LETTER FROM XXXX STATING THEY DID AN INVESTIGATION AND THEY VEFIED THE INFORAMTION WAS ACCURRATE. IM ASSUMING THE INVESTIGTION WASNT PROPERLY CONSIDERED AND WAS UPDATED BY A COMPUTER INSTAED OF A PERSON. BECAUSE THE RESULTS WOULDVE BEEN DIFFERENT.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX 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 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX 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 2022-05-02
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. (VA)

This Company XXXX  is in violation This Credit bureaus stated my account was properly investigated but how is it that possible if the open date is inaccurate, the date last is inaccurate and the reported is no accurate. This is ground for removal they Als violated my rights under 15 USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 Section 604 A section 2 It also state a consumer reporting agency can not furnish. A account without my written instructions
Consumer complaint received 2022-04-18
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. (FL)

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. 

XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-02
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. (VA)

Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 1681 section 604 A section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-02
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: JPMORGAN CHASE & CO. (IL)

A merchant sent me goods that were returned in transit that I paid for using a Chase Sapphire card. Chase asked the merchant only if the goods were sent. However, the goods were never received. Chase claims that I am responsible for the {$530.00} even though I never received anything because they took the merchant 's word. This is completely unacceptable.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Credit Exchange Corporation (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo wrote off the Balance of my Credit Card account XX/XX/2024 but has been illegally reporting the account as a debt on a monthly basis to all 3 credit bureaus. I have contacted Wells Fargo XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024 and was denied the 1099 and advised that there was nothing that could be done about how its reporting each time I called.

Violating consumer laws : 15 USC 6802 and15 us 6801
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

I have several accounts serviced by Synchrony Bank. Some of these I have had since the 1980s. They were all closed with no warning, call or email.They had been on time and were on auto pay. It has caused a considerable amount of mental anguish, embarrassment and humiliation. You cant speak to a human so any contact is usually just a bunch mumbo jumbo XXXX. I have never been so shocked in my life when I needed to uses a CareCredt card at the hospital and the account was closed. Payments had been on time and I had plenty available credit. Some accounts had a XXXX balance were even closed. What can be done to punish or reprimand this agregious bank? Looking at their social media shows everyone is unhappy with the way they treat customers.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

My debit card was fraudulently used from XX/XX/XXXX to XX/XX/XXXX. Upon discovering this, I immediately notified the bank on the same day and had the card deactivated. After filing a dispute, the bank approved and reimbursed nine transactions, but refused to compensate for another 23 transactions. The reason given by the bank was related to timeframe issue. However, among the reimbursed transactions, there was one from XX/XX/XXXX, while the non-reimbursed transactions include charges from as recent as XX/XX/XXXX. Most of these transactions were made with the same merchants. Those merchants billed different amounts each mouth during XX/XX/XXXX to XX/XX/XXXX on my debit card. Citi banks reason of timeframe was not acceptable. During the investigation, I had multiple phone conversations with the bank. The customer service representatives were often impatient, transferred my calls, or even hung up on me. Eventually, the bank requested that I submit a written report, which I believe was an attempt to make things difficult for me. The reimbursed amount was credited to my account, and I once visited a branch to withdraw the money. However, after the banks request, I returned the full amount for the transactions that had not yet been approved.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of XX/XX/2022 i have enclosed a certified letter stating inaccuracies on my report which by law it must be removed if its inaccuarate under section 609 ... because their in violation and i can sue per violation up too 1000.. however transunion sent me a letter which i will attach it for you too see.. Traunsion sent me a letter applauding my request of disputing and misleading me by saying im using a third party credit repair agency. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. This is a violation I reserve the right to sue a credit reporting agency for violations of the Fair Credit Reporting Act and I believe I can prove that transunion did not use reasonable measures to insure the accuracy of my credit reports and now transunion are stalling the process even further.