davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Adjustment Service, Inc. (AL)

On XX/XX/XXXX my daughter had dental work done we have dental insurance at the time so some of it was paid. On XX/XX/XXXX I paid last payment and got a receipt saying patient balance XXXX. I call the insurance company today and got them to look into the account and see if they have proof that the insurance paid their part and they did. I called the collection company today and the lady kept saying I owed it and that that receipt was old and that I owed it. I told her it clearly says patient balance zero. She was not making since. If you see a statement that says the patient balance is zero how can you argue that. I told her do not contact me again about this no more letters which the only letter I have is the one I got today. To add to this I only knew about this cause its on my credit report so the collection department sent me a letter. Saying I owe it.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Can you verify the paperwork? Several of the mentioned accounts contain inaccuracies concerning reporting, amounts, and dates.
Consumer complaint received 2023-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NJ)

On or about Friday, XX/XX/2023, I received in the mail a debt collection letter from Southwest credit systems , L.P. ( Southwest ). In the debt collection, letter, Southwest claimed to be collecting a debt of {$110.00} on behalf of XXXX. The debt collection number provided a reference number and contact information. 

I contacted XXXX who confirmed that a bill was never sent to Southwest for collection. XXXX informed me that this is an ongoing and prevalent issue with Southwest and that XXXX no longer accepts payment over the phone because of Southwests fraudulent activity. 

It should be noted, that I did in fact have a bill with XXXX, in the amount of {$110.00} - precisely the amount Southwest alleged they were attempting to collect. I have paid this amount already and directly to XXXX.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc. (NY)

FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. 
I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS.
Consumer complaint received 2023-02-11
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. (PA)

Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX continues to report a delinquent account to XXXX, XXXX and TransUnion despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

has violated my rights. Or a list of inquiries : 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 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC (OH)

In XXXX I received letters from the IRS and the Ohio Department of Taxation for Lottery Drawing. I contacted them both and told the money was stolen out of my bank account. I went on to provide documentation to both agencies. Information about the taxes came by way of the IRS to the Ohio Department of Taxation. After the IRS completed it's investigation in XXXX and updated said file. I contacted the Ohio Department of Taxation and them was the filed closed. I was told no. I asked for verification of debt that the IRS believed I owed. The Ohio Department of Taxation are just now recognizing in XXXX that they got paid in XXXX15 U.S. Code 1692g any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

XX/XX/ : I make a reservation using Citi Thank You points for a hotel in XXXX XXXX, CA for XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  : due to a tropical storm, I call the hotel to cancel the reservation. They confirm I will be fully refunded in 24-48 hours. 

XXXX XX/XX/ : I call Citi and am directed to their Travel Rewards team. They tell me to call back in 5 business days. 

XX/XX/ : I call Citi again and they explain the delay is because the reservation must be canceled manually. They assure me this is done, then send me an email confirming the cancellation will be processed in 7-10 business days. 

XX/XX/ : I call Citi again. They explain the reservation is canceled and I will see my points refunded in 24-48 hours. If not, they say, I should call back. I ask for a supervisor. They tell me a supervisor is not available, but one will call me in two hours. This call never comes. I receive another email confirming the reservation is canceled and a refund is in process. 

XX/XX/XXXX XXXX XXXX  : I call Citi again. They explain that the reservation was not actually canceled before but it has been canceled now. I should check back in 5-7 days. I receive a third email confirming the reservation is canceled. I ask to speak to a supervisor. Im told no supervisor is available now, but they will call me shortly. They call me a day later at XXXX. I miss this call. 

XX/XX/ : I call Citi again and explain the issues Im having and ask to speak to a supervisor. They confirm no refund has been processed yet and agree to connect me to a supervisor. I am put on hold for 25 minutes, then they hang up on me.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

The Synchrony Financial company is assessing a late fee month after month after they reversed an XX/XX/2022 {$30.00} late fee due to their system/technical error that triggered a series of misapplied, fraudulent, and predatory assignment of fees to the consumer account. This company also is creating stress in their attempts to coerce payment of inaccurate and erroneous late fees, through intimidation tactics and seeking to cause harm to my character by sharing my private information with consumer reporting agencies Synchrony Financial was contacted on XX/XX/2022. I informed XXXX, the representative of the errors and she stated she would remove the XX/XX/2022 {$30.00} late fee. She was also informed that an erroneous late fee was listed for XX/XX/2022 in the amount of {$41.00} which needed to be removed. XXXX verified that the agreed upon minimum monthly amount was received on XX/XX/2022. She stated the update would not be done until XX/XX/2022 statement date, although the consumer requested an update in XXXX - XXXX hours. Unfortunately, since this notification of error, this company has repeatedly charged and continues to intimidate and use fear tactics to coerce several erroneous late fee payments of {$41.00} for XX/XX/2022, {$41.00} for XX/XX/2022, and {$41.00} for XX/XX/2022, when all payments were provided timely. This company is predatory in their tactics and practices, and has been harassing via phone calls, emails, and text messaging. They seek to intimidate the consumer with communication insinuating reporting to the XXXX XXXX Agencies for the purpose of causing damage to a consumer 's character and credit worthiness.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION AND XXXX WITH XXXX WORK HARD TO KEEP THE GENERAL PUBLIC FROM FILLING COMPLAINTS AGAINST COMPANIES. THE THREE PROTECT COMPANIES AND MAKE IT AN INTENT TO DRIVE YOUR CREDIT DOWN TO RUN YOUR XXXX SCORE INTO THE GROUND. I HAVE TRIED WORKING THIS OUT WITH BOTH TRANSUNION AND XXXX TO NO AVAIL. THE GENERAL PUBLIC NEEDS SOMEONE TO PROTECT THEM LIKE THE BUSINESS HAVE WITH XXXX, XXXX, TRANSUNION AND XXXX. THESE FOUR COMPANIES SHOULD BE THERE TO PROTECT AGAINST FRAUD, ILLICIT INQUIRIES BOTH SOFT AND HARD INQUIRIES ON YOUR ACCOUNT.
Consumer complaint received 2022-11-25
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, a check for {$16000.00} was deposited in my account, for payment. The check cleared, and I was able to withdraw {$3900.00} on the XXXX with no problems, after I went into the branch and verified my identity with the banker. Out of nowhere, Chase puts a hold on my account, now saying they need to verify with the maker of the check, before I can have access to the rest of my funds. Ok, no problem, but for some reason they can't seem to get in touch and now I am being penalized with no access to funds and threats of closing my account with a remaining {$12000.00} in my account. I also gave Chase a direct number to use, which they are saying is not in " there '' system??? I'm wondering shouldn't they have done all of these protocols prior to clearing the check and releasing my funds, just to now find a way to close my account and keep the money that has already cleared. Not sure if this is even legal. 
Please have them release my funds as soon as possible, it will be extremely appreciated! 
Thanks
Consumer complaint received 2023-08-08
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 Account XXXX XXXX XXXX XXXX XXXX opened on XX/XX/2020 in the amount of {$900.00}, XXXX XXXX XXXX XXXX opened XXXX in the amount of {$300.00}, XXXX XXXXXXXX XXXX XXXX XXXX  opened XXXX XXXX In the amount of {$18000.00}. 

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

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KY)

I am unable to contact Mohela about my student loans and student loan forgiveness. When using the " Contact Us '' on their website, they never provide an email address or contact form to fill out. It keeps cycling though their FAQs which are not helpful or informative. When I called the XXXX number, I was not able to connect to a person and was told to go to their website. This is ridiculous! 

I am have received an email from the XXXX XXXX. of XXXX stating the some or all of my loan were forgiven and they would send that forgiveness information to Mohela on XX/XX/2023. However, Mohela sent me a bill with a due date of XX/XX/2023. Am I required to make the payment or not?
Consumer complaint received 2022-11-25
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. (GA)

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. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account namXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  Account name 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 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 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (DC)

At this time, CashApp is refusing to reactivate my debit card issued with the number XXXX. CashApp attaches their issued cards to one 's phone number, and allows one to create their own id hash tag, but their methods of portability is flawed when one obtains a new phone with a new number and wishes to keep their hash tag. My hash tag is $ XXXX, and CashApp refuses to transfer it to my new number. They respond to emails with worthless solutions that only lead you back to the same email, with the same answer.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 1

681. 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 2022-12-08
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. (TN)

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 : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

XXXX XXXX has a cash app card I transferred {$530.00} from my personal bank account to his cash app account. Cashapp XXXX and locked his cashapp card/account the money is in limbo. This has been since XX/XX/XXXX I have sent chat messages and called XXXX  times I have been hung up on and told I will get an email when the issue has been resolved. I have sent them a copy of my license XXXX different times and they still refuse to tell me anything or unlock the card.