davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CO)

Discover CARD reporting late payment XX/XX/2020. This payment was not late to due COVID-19 Shelter in place order. I made arrangements with DISCOVER about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.
Consumer complaint received 2023-04-26
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (IN)

I had internet service from XXXX. It was supposed to be free for a certain time, and then I would be billed. I received the modem and set it up. It never worked. I reached out to the sales rep that came to my house and he was no help. In XXXX my sister got sick, I was staying at her house whenever I wasn't working. In XXXX, she was admitted to the hospital with XXXX  XXXX XXXX and was XXXX  from XXXX - XXXX. I forgot about the service until XXXX dropped off a box for me to return the modem, I still had my XXXX XXXX XXXX XXXXXXXX since I never got XXXX XXXX to work. I returned the modem in XXXX, they received it Friday XX/XX/XXXX at XXXX XXXX in XXXX XXXX, TX. They are still charging me for the modem. I sent them proof they received it. They keep saying they can't remove the charge only the collection agency can. I talk to the collection agency and they say XXXX has to tell them to remove it and haven't. I have tried to do a 3 way call and both companies refuse. XXXX even claims they can't access my account anymore. I went into the XXXX  store and they told me they could access my account and they were unsure why the telephone reps said they couldn't. The first collection company they sent the bill to disputed the charges after I sent them proof the modem was returned, and XXXX just sent it to a different company.
Consumer complaint received 2022-12-06
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

A debt from XXXX that I disputed in XXXX increased by {$1.00} a couple of days ago. Im concerned this has reset the clock on my debt. The company, IQ Data International, has been incredibly hard to work with and puts me on hold for hours or just keeps me in a phone transfer loop until I give up. Im also concerned if I reach back out after 6 years they will take this as an attempt to pay my debt and reset the clock.
Consumer complaint received 2020-03-18
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. (CA)

I am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX  credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (CA)

I have a personal account with cash app and Ive been using it for a long. Time and Im constantly active on it transferring money or using it as its my main bank I was told to switch over into a bussiness account so I did everything has been fine so me and another bussiness account have been making transactions with eachother selling antiques I was purchasing from him everything was fine until I was making a payment to that person that they let me put lay away basically reserve as Im making my payment it says that cash app has deleted that account I then reached out to cash app and told them reasons why? And that I have a transactions with that person I was buying Ive worked hard to try and purchase the antique and was happy to be finishing paying it off so when this happened I wanted a reason why there profile got deleted and I couldnt get an answer I cant get a hold of the person because we never thought this would happen Im sure hes just as confused as me so I let cash app know right away I just made a payment to this busssienss account how can you guys delete there profile being made that me n this person have been purchasing from eachother, extremely upset I worked extra hours to try and finish paying it off for something I couldnt get because cash app deleted there profile and couldnt give me in touch or any reason why
Consumer complaint received 2023-06-21
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: Central States Recovery, Inc. (SC)

There are numerous items on my credit report that arent mine. Ive contacted the hospitals and they dont have the records Ive disputed the claims but they are still on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$910.00}.
Consumer complaint received 2023-10-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

I applied for the Synchrony bank credit card through Ashley furniture online on my personal computer so I could purchase a bedroom set. I was approved and proceeded to place my order online on XXXX XXXX.Purchase was approved and went through but my computer shut down as we lost power due to a storm. So I called XXXX to make sure my order went through and it did. There was a waiting period for delivery of my items as it was the beginning of the Covid virus. I received all items within a couple months for that order. I completely paid it off in full by XXXX XXXX. I loved the bedroom furniture so much, I decided to order the exact same set for my adult daughter as a birthday gift on XXXX XXXX used my Synchrony credit card as my balance was $ XXXX.Again, there was a shipping delay due to availability. On XXXX XXXX they fed ex us the two nightstands so they charged my card for the cost of both at {$310.00} ( XXXX each ) .Then again on the same day they charged me again for the nightstands at {$150.00} x XXXX .I only ordered two nightstands but was charged for four.Then on XXXX XXXX the remainder of my items were delivered in which my Synchrony card was charged {$1000.00} .Then again on the same day they charged my card another $ XXXXAll and every document and proof I have clearly show what I ordered, the amounts etc. I completely paid off my second order as well.Ive been disputing this with Synchrony Bank now for almost two years. Its been nonstop. Ive spoke to numerous customer service reps, managers that also state they see the mistake and still it never gets resolved. Ive also spent hundreds of extra dollars faxing proofs repeatedly to Synchrony Bank. I even had one of the main people in charge at Ashley Furniture on a three way call telling Synchrony that I had been double charged and what my exact order was and Synchrony still has yet to resolve this. They also placed these amounts on my credit report as two separate accounts trying to damage my credit. Currently Synchrony has been calling regarding a delinquent payment and marked it on my credit as in bad standing when I clearly owe XXXX and I have all proofs, receipts and documents.The issue is with Synchrony Bank for XXXX XXXX store card, XXXX XXXX.
Consumer complaint received 2023-01-20
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: Block, Inc. (GA)

On XX/XX/XXXX, somehow my Cashapp account was compromised. Information was changed and different banking information was uploaded to my account. Not sure how, since my personal information is necessary to update anything. I informed Cashapp of two fraudelent transactions, one of XXXX, and one of XXXX, made from a NJ location, I live in GA. After some investigation, Cashapp did refund the funds from one of the fraudelent transactions, but denied the other, larger amount. These transactions were both reported as fraud, both done at the same time, and by the same source located in NJ, as per the information on Casapp, so why would only one transaction be returned, and not the other? My XXXX account was also compromised, with fraudelent charges made using my Cashapp card information, and once informed, and after XXXX investigated, and noticed suspicious activity, XXXX refunded the funds. I have had my Cashapp account for years, and have not encountered any issues like this before. I would have expected some integrity in the handling of this matter. I do not believe I am getting that from Cashapp. I have since removed Cashapp. I currently keep the app for updates on my dispute, and once refunded, to cash out the funds, and completely close it out. I would not be using the app anymore once this matter is resolved.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank shared my nonpublic personal information with a debt collection agency who is now suing me for an alleged debt. According to XXXX, this information can not be shared with a nonaffiliated third party unless myself the consumer was beforehand given the right to opt out of sharing of this information along with an explanation on how to exercise my right to nondisclosure. According to the terms of the alleged contact furnished to me by the debt collection agency, I was not given the right to opt out nor the instructions on how to do so. Due to this matter, Synchrony bank is in violation of my consumer rights.
Consumer complaint received 2024-04-03
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-01
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: Experian Information Solutions Inc. (MA)

I am writing to submit a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian to address the following inaccuracies in my credit report. To date, Experian has not responded. I am providing details of the inaccuracies and the necessary corrections required : The following account was never late : XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$560.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1900.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Please remove it from my credit report. 

I require that you verify the account identified as XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$25.00} Your reporting represents the information incorrectly. The reported balance of {$25.00} is inaccurate ; I believe it should be a lower amount. Furthermore, the Past Due amount should not be reported, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported. 

The following account is not mine : COLLECTION ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$8300.00} Original Creditor : XXXX Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$740.00} Please remove it from my credit report. 

The following account is not mine : XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340.00} Please remove it from my credit report. 

The following account is not mine : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Please remove it from my credit report.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (VA)

I lost my cash app card and had an available balance of over {$400.00} on it. Cash app refuses to give Me access to my funds because I dont know the card number ( even though its lost so I dont have it ) I have verified my name, email address, home address and phone number attached. I even was able to provide a multi authentication code that was sent to my phone number. I was advised to create a new cash app account and they would be able to transfer the funds from the old account to the new account, however after doing so they say they are unable to. There has been purchases made on the account since the card has been lost but cash app refuses to send me a new card, or close the account or even suspend it to prevent additional purchases being made on the card. I have been calling since XX/XX/2022. They refuse to let me speak to a manager to try and resolve and at the end of each call I am advised to call back and speak with the next agent. This is now 5 months and I am unable to get my funds from cashapp My old cash app account that has the funds in it is XXXX XXXXXXXX the phone number associated with it is XXXX the new account is XXXX XXXXXXXX with the email associated XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 

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 XXXX 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 2023-10-01
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 2023-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (VA)

I got my check garnished from d credit card debt that was over 8 years old in va which is past the time they cab take it. And they never provide me information that the debt was mine they took the money before my court date in XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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. 

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 XXXX 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 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (NY)

Got to car accident in XX/XX/2020 my car got total lost and they pick up the car from my home but they refused to pay more then 10 % of the loan because my insurance was just expired But the other car was in fault
Consumer complaint received 2023-04-22
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 Report 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I do not owe this debt collector.
Consumer complaint received 2023-09-30
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. (IN)

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. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX [ XXXX  XXXX XXXX ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.SXXXXC. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.