davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

So it starts with XXXX, I was on there and I saw this newspaper that I thought I really liked and signed up for it for like a month, through XXXX. But I dont have access to that XXXX account. So the newspaper keeps charging me every month now for several months, that I cant turn off because I cant access XXXX to turn it off and Ive tried logging in and Ive tried contacting the company directly and Ive even talked to cash app support about the charges on my account to have them refunded or remove and they are unable to help me because even if I change the debit card number that I used when I signed up the company can still force the subscription payment, via cash app support. But I have no way to turn off that subscription or supposed subscription from The XXXX. I have no access to that XXXX account either. I tried going through normal channels and I dont like to make complaints unnecessarily but this is a messed up situation and seeing as how the company can force a charge on an account they dont have a debit card number for seems ridiculous. I feel that Im being taken advantage of as a member of our society that is not necessarily the most advantaged. This is not my first problem Ive had with cash app overall Ive had a payment of {$750.00} Go away in cash app support has no phone number so I can call them and waiting on them to respond by email to days in weeks and eventually I lost track of it because I had stress in my life to deal with. They then closed that account altogether so I couldnt access that money ever again apparently. Cash app uses poverty as a means to take advantage of people. Youre not the only ones of course. But they are a major player in the finance game, FDIC insured or not, they need to be regulated. And as far as I can tell they are not near as regulated as they should be. It is just one of the things that needs to change to make the world a better place and give people a shot at a decent life. 

Thank you
Consumer complaint received 2019-08-28
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: AMCOL Systems, Inc. (SC)

Per XXXX, I have an adverse account with Amcol Systems Inc with a partial account number XXXX**** at XXXX XXXX XXXX, XXXX , SC XXXX XXXX. This file shows a collection for {$150.00} as Medical in XXXX of 2015. This information does not show up on any other credit bureau repository. I have never been contacted by anyone about this matter nor does this have anything to do with me. 

This collection is negatively impacting my credit score. I don't check my credit reports very often as I have a " Freeze '' on my account. I decided to get a copy of my report, this year, as a check and to clean up any erroneous information. I found this addition when I received my report. 

Credit Reporting agencies bare a responsibility to notify consumers when negative information is being added to their file so that both sides of the story are reflected. Unfortunately, credit repositories, like XXXX, simply add negative information to a consumer 's file without contacting the consumer. This has been a part of my file since 2015, without my knowledge. Yes, I should have been more attentive in checking my file ( s ) yet the credit bureau repositories are a profit oriented businesses and should be involved in investigating adverse reports. I also think the that there should be a minimum dollar amount, say {$500.00} or {$1000.00} that can be reported as even a {$10.00} collection will have negative consequences. 

While I should have contacted XXXX about this, first, I believe there are other consumers who have had a similar experience. Furthermore, I don't think I should have to prove my innocence vs a creditor/credit reporting agency proving that a consumer owes money. There has to be a minimum amount owed and a minimum amount of effort spent trying to collect before a request is made to add adverse information. At the very least, making sure that adverse information belongs to the correct consumer. 

This isn't the first time this has happened to me. The reporting agency removed incorrect information from my file, once contacted, yet there is no way to quantify the damage done while the incorrect information was part of my file nor did the reporting agency add comment about the erroneous information removed and how it got there.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OR)

My monthly statement charged me a late fee for not paying bill Before XXXX XXXX but payment was made on due date of XX/XX/1921 Don't no exact time but was on that date They say that they have excused late charges before, I brought this problem to their attention several weeks ago, they they would call and let me know if they would take off excessive charges but never got a call.call again today and let them know. 
I've been with them for 20 years or more.I think with the world in a uproar be with this pandemic they Are being heartless and non empathetic especially to senior Citizens and the man supervisor I talked to XX/XX/21 @ XXXX XXXX Wasn't friendly at all. Shouldn't be a exact time as long as paid on due date
Consumer complaint received 2019-08-28
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. (NC)

TransUnion continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.
Consumer complaint received 2019-01-16
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 (WA)

I ordered something on XX/XX/2018 and cancelled it in the morning. Since it was a international transaction, I cancelled the order and called my bank first thing in the morning to give them a heads up. The company said since it's a international transaction, it'll take 2-3 weeks to get a refund. I never received my refund and the company stopped replying to my emails. I called my bank and they marked it as a fraud case and wanted me to prove the merchandise was counterfeit, even though I never received it. After several months of back and forth, I finally got in touch with a supervisor who listened and realized the reason my claim kept getting denied was because it wasn't a fraud case and instead just a dispute, she said I'd get my money back in a few days but I never did. I've been calling US bank and staying on the line for hours waiting while my call is transferred to the correct department only to be picked up by voicemail -- apparently their dispute department only works couple hours a week. 

I just want my {$330.00} back from US Bank. I called them when I cancelled my order and I never received the merchandise ( i cancelled it ) and never received my refund from either side. I'm not sure what actions I can take to get my money back.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion and XXXX have failed to respond to my written disputes within 30 days per FCRA 611 ( A ) ( 1 ). There is an inaccurate bankruptcy type and docket dates reporting on my credit reporting. I have written Standardized 605 ( B ) affidavits of truth of facts and FTC report because my social security number is also reporting incomplete which does not comply with the Fair Credit Reporting Act 609 ( a ) ( 1 ), by not  reporting my social security number entirely which is not reporting 100 % accurate information as required by FCRA 609 ( which is why the bankruptcy has been removed from XXXX XXXX and XXXX ).

FCRA 609 ( a ) ( 1 ) ( a ) requires XXXX and TransUnion to provide ALL INFORMATION on my credit file per my request clearly and accurately. Neither has provided me with the method of verification in which they used to verify this inaccurate reporting as Section 611 ( a ) ( 6 ) and ( 7 ) providing me with the name of the courthouse, persons name they verified the dispute with, address, telephone number, and DOCUMENTATION USED TO VERIFY THE DISPUTE. 
So I disputed with the furnishers name and address listed on my credit report under the furnisher rule 660.4 ( e ) with the bankruptcy court listed and the courthouse responded on companys letter head that neither TransUnion or XXXX  has contacted it and that is did not report or provide this information to no credit bureaus. Responsibilities of Furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] requires complete and accurate information to be reported.
Consumer complaint received 2019-01-16
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. (GA)

I have a XXXX  account that originally incorrectly misstated I had a late payment. XXXX   made the mistake, and after I talked with them, they have since removed the late payment from THEIR records on XX/XX/XXXX.

I called XXXX  for the sixth time since then on Friday, XX/XX/XXXX, and they confirmed again they were no longer are reporting any late payments. I subsequently placed another dispute, my seventh, with Experian that I didn't have this late payment with XXXX. I just received the results of this dispute, on XX/XX/XXXX, that Experian are claiming that the original information is accurate and they are not removing the late payment. Basically they are still not reporting the same results as the creditor is.

As you can see from the attachment, dated all the way back on XX/XX/XXXX, XXXX  admitted their mistake and have stated that there should not have been a late payment. This late payment should be removed in Experian records, but for some unforseen reason they refuse to. I have exercised every other Avenue at my disposal to rectify this wrong, and I have not been able to.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have received robocalls on my home and more recently cell phone at least 3 or 4 times a day, from a rotating set of numbers. This includes, but is not limited to : ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) -XXXX and many many many others. It appears the culprit is a company called " Portfolio Recovery, '' a debt collection company. Some of these lines use caller ID spoofing, or block it entirely so it's blank or just the phone number itself.

Aside from a mortgage, which is paid on time, I have no debt. They are claiming I have some, they're implying they will take action against me to collect and making vague threats.

Additionally, my phone numbers were added to the national " Do Not Call '' registry.

They are persistent and annoying.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp. (FL)

I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.
Consumer complaint received 2022-01-21
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-01-21
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/XXXX, I opened a consolidation student loan through XXXX XXXX XXXX. The consolidation loan made a disbursement to a traditional student loan also held by XXXX XXXX XXXX on XX/XX/XXXX. Said disbursement resulted in an overpayment and, as such, the traditional student loan has remained open. 

After discovering the overpayment, on XX/XX/XXXX I called the consolidation loan servicer, XXXX XXXX XXXX, XXXX ( XXXX ), and requested that the overpayment be applied to the new, consolidation student loan. I was told by the customer service representative that this would take 3-4 business days to complete and that, thereafter, the traditional loan would be closed. 

On XX/XX/XXXX, I checked my account via XXXX 's website and noticed that rather than the overpayment being applied to the consolidation student loan, the original payoff from XX/XX/XXXX had been reversed, leaving the traditional student loan with a balance. My consolidation loan in turn had a larger balance, confirming that the payment had indeed been reversed. 

Since then, I have called three times per week, and each customer service representative has told me that they have emailed your e-check department and have not had the courtesy of any reply. This is unacceptable. As of XX/XX/XXXX, I have received a bill with a due date of XX/XX/XXXX for the traditional student loan. It has a balance and it has accrued interest and the account is now open and accruing daily interest.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (AL)

Debt collectors are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I am sick and tired of this fraudulent collection of debt and this gangster collection from a corrupted company. Could you please help me seek relief from Tsi/XXXX and their illegal collection tactics? I have begged for a debt validation several times to no avail. It is unlawful and fraudulent. I am forced to file this complaint to protect myself and others from this criminal enterprise. I am seeking protection. I live at XXXX XXXX XXXX, XXXX, Georgia, for the last fifteen years, and I do have gas service.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-07-13
Product: Debt collection — Auto debt
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: A P Auto Finance Inc (TX)

Auto Pronto, ( AP Auto Finance ) on XXXX XX/XX/2021, contacted my in law, - who is not a authorized on the auto account And stated, that they were trying to collect a debt, and in said conversation, decided to let her know, if I didn't bring the vehicle in question back to them, I would be charged with Hindering a Secured Creditor, in the State of Texas. 

In doing such, I feel my rights were violated, as my in laws and I aren't really the best of allies at the moment, and has created all kinds of drama. This has also put stress on a medical condition I have as, I have XXXX induced by XXXX. Doing so, has also caused XXXX  and embarrassing XXXX  on my marriage.
Consumer complaint received 2022-01-21
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. (GA)

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 2021-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CL Holdings LLC (CT)

On XX/XX/XXXX I received an email from XXXX stating I had an outstanding balance of {$2100.00} sold to the debt collection company, XXXXefferson Capital Systems LLC. The problem is I never authorized the creation of a XXXX account in my name and was never aware of the transactions taking place on that account, seeing as they were from XX/XX/XXXX and they were done without my authorization through the work of a third party email that used my name and other credentials to create a scamming account. When I realized this, I immediately contacted the debt collection agency and was directed to file this report.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

U.S. Dept of Ed- Is reporting to XXXX  and Experian inaccurately with a {$3300.00} balance. This account is closed, and there is no balance owed.
Consumer complaint received 2019-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/2019, I was trying to transfer {$200.00} through the Cash app from my Credit Union bank account to my Cash app debit card. I mistakenly sent it to my Credit Union debit card, which I had reported lost. So then I transferred another {$200.00} to my Cash app debit card. 
I kept waiting for the initial transfer of {$200.00} to go back to my Credit Union account but it never did. I could see that the transaction was showing as completed in the Cash app but it never turned around. 
I have created at least four support inquiries and on three occasions was able to get documents showing what they have on file. But when discussing with through email only, the support personnel seem to ignore that the initial {$200.00} inquiry should go through my credit union. I had already done that since I could see on my statement {$190.00} was deposited to my credit union account ( {$200.00} minus {$3.00}. for immediate use transfer through Cash app ). 
What I have not seen is the initial {$200.00} which should have also shown on my Credit Union account since the Cash app support team member told me that it was transferred to my Credit Union debit card. 
They refuse to give me the {$200.00} that supposedly went to that debit card and never showed up in my Credit Union account since the debit card was lost. 
I have the Cash app attached to both my Credit Union account and Credit Union debit card for deposits, transfers and sending and receiving cash.