davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I applied for a {$500.00} secured credit card. I paid the secured card in full. I used it for XXXX and In XXXX wanted to bring the balance down. However, my account had similarities, I added the wrong account unbeknown to me. Amazon probably attempted to collect the funds but was unable to. The excuse that they mention the reason they'd closed the secured card was due to payment failure without reaching out to me first. Based on their information I had a pending payment same payments that cause my account to be closed, they said these payments were, in fact, pending when they closed the account for insufficient funds on XX/XX/XXXX. But yet still I received a check on the XXXX dated XX/XX/XXXX Check # XXXX, Memo XXXXXXXX XXXX  from Synchrony Bank Amazon.com Store Card. I cashed my check in the faith that it was a indeed valid check. In XXXX after I had XXXX I received an alert from XXXX letting me know that I had a debt and it was Amazon. I knew that I did not owe Amazon any money. I reach out, They told me they had a supervisor reviewing it and found out it was their error and that they would remove it from my credit report. Any report that I see on my credit report will be in good standing before they remove it. Friday, XXXX points were removed from my credit profile because of these people 's PROFESSIONAL NEGLIGENCE in their work. They are harassing me and telling me that I have to pay them back their money. This issue brought harm to my credit. The reason I took a secured card was for this not to happen. First of all, you knew the payment failed that was the main purpose of closing that secured card. They said at the time balance was {$510.00} including fees on a full {$500.00} down ( secured ) They decided on top of closing my account to mess up my credit history. they mischievously send {$220.00} back to me so I can be trapped they will have reason to collect because of the mispayment that I submitted not payment due but payments that I was trying to bring my balance down thinking I was using the right account. This negligent infliction of emotional distress on me. I will file legal actions against them if they do not correct their error. Based on experiences with other consumers. Synchrony Bank, Amazon 's financial credit provider will hold off payment for 10  days before providing any credit to the client. So they closed the account on XX/XX/XXXX and cut a check made payable to me on XX/XX/XXXX, less than 10 days when they knew funds were not available 24 hours after submitting my payment online based on them which causes an automatic closure and that was why they did not reach out to me to try to collect the debt. Yesterday when I called them admitting that they made a mistake but I have to pay them back. Supervisor also stated that the declines for unsuficient funds will come to them within 24hours. Why was this negligence part of Amazon? I need that to be removed of my credit. I will also file a FTC against them and more action would be taking for harming me.
Consumer complaint received 2022-08-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Velocity Portfolio Group (NC)

The collection agency has repeatedly called daily for the past year. Many of those calls are outside of approved times before XXXX am and after XXXX pm. Calls during the day are persistent and disruptive to my work schedule. They have also called from numbers indicating they were from businesses I have relationships with, individuals I know, or even numbers associated with legitimate US government agencies like the Postal Service or Customs and Border Protection. They have also called coworkers indicating they were from Customs and Border Protection, and I was in trouble and needed to be contacted. They have also told coworkers erroneous information about my financial situation.
Consumer complaint received 2022-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report its well over XXXX days. I am being taken advantage of by the same company and ignored. section 611 ( A ) failure to investigate within XXXX days gives immediate removal from my credit report. I demand these accounts be deleted immediately I have documents to file litigation over stress. 15 USC
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

When will the harassment end? This is harassment!!!! Aggravated harassment abuse is illegal. Portfolio Credit Recoveries is lying. I am the consumer, a natural person AND the original creditor. You can not VERIFY debt without me. Have you verified? I will not be providing identity documentation because your response to my complaint proves my claim. I do not owe you this alleged debt. Please find proof of my disputes that you fail to provide documents that VERIFY this alleged account belongs to me. A statement does not prove an identity. As stated, your aggravated identity theft tactics can not coerce me into paying this alleged debt. I am protected by law. You are a debt collector, you are not the original creditor. I am the original creditor. Show me proof that I owe this money from YOU. Show me the bill of sale that you paid for this alleged debt. Please find attached, my proof of cease to desist along with certified proof. I will be contacting the Attorney General about this abuse as well.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have contacted the XXXX major credit bureaus, XXXX, Experian, and XXXX, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have contacted the XXXX major credit bureaus, XXXX, XXXX, and Equifax, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I sent {$300.00} in payment to someone who did work at our house. We had just moved out of state and he asked me to send it via XXXX. The phone number was entered wrong by ( 1 ) digit. When I contacted XXXX- they told me to contact my bank- Well Fargo. I filed a complaint that the money was sent to the wrong person and I had no way to cancel the payment. They said they would investigate it. Today, on XX/XX/XXXX, I received a letter from Wells Fargo saying they had completed the investigation and said " the transaction was completed as requested ''. This is not true. This was sent to the wrong person and now I still owe the other {$300.00}! 

There is a history of this with XXXX and other banks if you research this. At least XXXX has a more secure way to send money. I am XXXX, retired on Social Security. Please help me get my {$300.00} back.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (CO)

These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of 1974 by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXXXXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}
Consumer complaint received 2022-08-06
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. (CA)

Transunion has openly and continuously discriminated against me as a consumer which is causing extreme harm to me. 

Pursuant to 15 U.S Code 1681 ( B ) ( 2 ) Permissible Purpose. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - which is me as its my report- I have not granted nor given written consent for Transunion to furnish my Consumer report.

Neither did I grant permissible consent for them to disclose my personal information.

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

Transunion has a grave responsibility with fairness impartially and respect for the consumers right to privacy. My right to privacy was violated without my knowledge and consent
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

I advised this Co that I had filed Bankruptcy gave them attorney info phone website etc MANY times. They continually call me daily. I spoke with my lawyer who told me to not answer but then they call me at work for which I get in trouble for. I told them to not call me at work they are relentless, and I get calling but it's what they say to me and how they handle themselves that gets me, I have been threatened and cussed several times. They are now having managers from other locations call me daily. They say when I tell them to call my lawyer oh you pay a lawyer but not us? Usually the cussing starts then. This is unprofessional they have a bad reputation in XXXX for this type conduct. I am sorry I can't pay this bill I really am but due to reasons beyond my control I had to file bankruptcy. I told them this will have a case number by beginning of XXXX fact is by next week it will have we my attorney and I area completing the details this week. 
NOBODY should be threatened and told they will call and do whatever they want then they laugh... very unprofessional, XXXX told me today he filed suit yesterday if so why is he still threatening me can he file suit which is fine if he does at this point but can he harass and threaten cuss and scream at me and file suit?
Consumer complaint received 2022-08-06
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: BARCLAYS BANK DELAWARE (NC)

I am reaching out after multiple attempts to get Barclays to rectify the fraudulent charges and subsequent issues with my Barclays XXXX XXXX. Fraudulent charges from XXXX XXXXXXXX were charged to my Barclays XXXX XXXX on XXXX XXXX, XXXX and XX/XX/XXXX, each in the amount of {$240.00}. After discovering the fraudulent purchases in my statement, I contacted Barclays who then proceeded to investigate and determined that they were, indeed, fraudulent charges. I requested that they close my account and issue a check to me for the overpayment, as I had already paid off the card balance in full. 

I received a check from Barclays in XXXX, XXXX for the overpayment and assumed that my account had been closed as well. Apparently they never closed the account, and instead mailed me a new card ( which I never activated ) and subsequently, a new statement with the same exact fraudulent charge from XX/XX/XXXX included, along with late penalty fees/interest. On XX/XX/XXXX, I spoke extensively with a Barclays rep who assured me the balance would be cleared from the new, unrequested card, and that the account would be closed. Not only was the situation not rectified, the other fraudulent charge from XXXX XXXX reappeared as well after speaking with Barclays. 

On XX/XX/XXXX, I spent 3+ hours on the phone and via chat with Barclays trying to get the situation resolved, but they have again failed to resolve the situation, with late penalty fees/interest accruing and likely damaging my credit score.
Consumer complaint received 2022-08-07
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. (FL)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

Credit card fraud. A new card was issued without my knowledge and over {$5000.00} dollars worth of fraudulent charges were made without my consent. I filed a fraud claim with the bank and filed a police report for missing card. The bank came back saying that they concluded that the charges were not fraudulent and I am responsible. I did not make these purchases or authorize them. The way I found out there was another card was someone had made a payment on the card. That payment was rejected as someone did a stop payment on it. I have closed the account but theres still a card issued that I dont have again. According to my online bank its not activated. Please let me know if you are able to assist me.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (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 XXXX XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 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. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX XXXX XXXX  On my XXXX credit report for the year of XXXX it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my Experian credit report it shows XXXX XXXX XXXX as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the XXXX XXXX it shows XXXX as late on my experian report but on XXXX it shows current.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (TX)

I have unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX. XXXX XXXXXXXX XXXX XXXX on XXXX XXXX.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX Av, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, NY XXXX Thank You
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights : 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 an account without my written instructions
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (MI)

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 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. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

*XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX is reporting INACCURATE information to XXXX and XXXX. 
It says on my XXXX report the last active date is XX/XX/2022 but, it says on Experian XX/XX/2022. 
It says on my XXXX report the last date a payment was made was on XX/XX/2022 but, it says on my Experian report the last date a payment was made was on XX/XX/2022. 
It says on my XXXX report the payment status is " Late 90 days '' but, it says on my Experian report the payment status is " Late 30 days ''.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Repoting act XXXX these accounts have violated my rights. 

15 U.S.C 1681 Section A. States i have a right to privacy.

15 U.S.C 1681 section 602 section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

Experian- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME
Consumer complaint received 2022-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Over the past 2 years I have made several attempts to remind XXXX XXXX of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that XXXX XXXX is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company.

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer.

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available.

XXXX XXXX failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

EXPERIAN XXXX XXXX XXXX XXXX