davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
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: Paypal Holdings, Inc (NJ)

I purchased a product that was advertised on XXXX. It showed a hand held battery operated hand drill to dig holes to plant flowers or vegetables. When I received it there was only this small drill bit in the package. It was from XXXX. I contacted PayPal to ask for a refund. They sent me information to mail the merchandise back to XXXX with electronic tracking. There is no electronic shipping out of the country for less than {$60.00}. The product was {$30.00}. Since sending it back is not an option I feel my only option is to place a complaint since PayPal won't return my money. I should be protected against scammers. The company misrepresented the product. PayPal should be responsible to their clients. I was set to send it before the XXXX of XXXX like requested but needing the electronic tracking finding out that it isnt even feasible to spend {$30.00} extra dollars to get {$30.00} back is ludicrous. I want my money refunded. The company who misrepresented their product is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, No. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank, offering a Credit Builder credit card for Amazon.com, sent an email staying theyve made test deposits into my account, but it did not specify which account. 
I have never set up an account and have no interest in a credit builder account. I attempted to contact Synchrony Bank, but after 30+ minutes on hold ( XXXX XXXX, 2019 ), I was unable to reach anyone. 
One article, on XXXX, stated theyve reached out and were informed that it was an accident without any compromising info. but I have not been able to independently confirm the accuracy of the story, nor does it explain how they would have gotten my contact information or how they would have known I have an Amazon Prime account.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which are found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$710.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-06-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which are found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$710.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which are found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2024-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (CA)

I am writing to reopen the matter regarding the debt Contract Callers states that I owe which has been previously proven not to be mine. Despite this fact, it appears that the debt has been resold to this agency. Iwant to reiterate that there is no valid evidence linking me to this debt, as I have not signed any contracts related to it. Contract Callers has failed to provide any documentation supporting their claim. 

I request that you provide proof of the debt 's validity, including any documentation that demonstrates my obligation to repay it. Until such evidence is provided, I insist that you cease all further attempts to collect on this debt and remove this inaccurate information from my credit report. 

In addition to copies of the original contracts, I am further requesting documentation of the chain of ownership since this debt was previously disproven, and verification of this debt. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (IN)

On XX/XX/year>2024 : I added {$230.00} to my cashapp account from debit card connect to my cashapp. I then wanted to add the funds to another debit card, but that morning when I tried the cashapp said failed. I clicked on my profile to contact cashapp chat support. I waited for an agent to contact me back. When agent contacted me, I then verified my account and self, then asked what was wrong with my account, and why was I unable to use my cashapp account and that I just less than XXXX minutes ago had added funds to my cashapp account. The agent said to give them a few minutes to review my account and would be right back. The agent came back and said the following to me ( I'll reach out directly to our specialty team so they can help you with this. What's a good email address to reach you at? ) I provided my email address to the agent. The agent stated their name as XXXX. The time was XXXX ( EST ). I waited until XXXX, and had received no email or nothing, so I reached back out by chat again. This time at XXXX, the chat support told me to contact by phone at ( XXXX ) XXXX and this time, the guy I spoke to, told me he could not see what was wrong with my account, but that he would send my information over to another department that would contact me to assist me with resolving and getting my account back to normal. I have contacted cashapp, every day since XX/XX/year>2024 and today is XX/XX/year>2024 and I have received no email and nor have my cashapp account being working. I still have no reason as to why I can not use my cashapp account and still can not withdraw the funds that are still sitting in the account.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (TX)

On XX/XX/XXXX I emailed Money Key 's Customer Service Dept asking them to stop the upcoming ACH debit and future debits from my account. I told them this account was closing and that I would make alternate payment methods on this account. 

I emailed their Cust Serv again on XX/XX/XXXX specifically asking someone to acknowledge receipt of either of my two emails. I specifically stated that any prior ACH authorization that was given, was now rescinded and that they are not allowed to acess my account in any form without my permission. The 1st email was done within 72 hours as is typical time to react. They have intentionally avoided contact in the past. I want ( I NEED ) them to re-credit my account asap!
Consumer complaint received 2019-07-04
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. (TX)

I contacted/disputed Tranunion about incorrect Personal Information on  my credit report with them. They have done NOTHING to correct my report. 
They listed phone numbers that were never mine ( several of them ) and I told them one of the addresses listed was never a Valid or Correct address. 
I have only had one phone number the last 10 ( Ten ) years ( the XXXX number ). I am a Widow with NO OTHER TELEPHONE NUMBERS. 
They will not correct the information. 
ALSO, I have PAID/SETTLED with an Acct ( XXXX XXXX ) but they wont remove it. 
I am so very frustrated!
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$23.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX. XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$570.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX  XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$23.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$410.00} XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$310.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX SXXXX  Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I made on time payments with Synchrony Bank and missed XXXX payment due to using my debit card to purchase gas for my car. My {$60.00} purchase was charged for {$120.00} with half the amount being held for several days. Due to this the payment to Synchrony Bank did not go through and I was actually charged that amount as an overdraft fee. My bank reversed the fee back to my account and I contacted Synchrony and explained the situation and made my payment to get back to good standings. Synchrony lowered my line of credit from {$5000.00} to {$800.00} which had a negative effect on my credit score. By default my debt stayed the same but my credit utilization increased so my score lowered even further. 

After making my most recent on time payment I was informed by Synchrony Bank that my account had been closed because I missed a payment and because my credit score was not high enough. My score was over 700 pre-pandemic and now it is under 500. My complaint ( s ) are not just with Synchrony Bank but also with XXXX XXXX and XXXX XXXX that hold funds from your personal account for several days as a result of being a customer with the businesses that utilize their services. 

I contacted XXXX to see who to file a complaint with and the agent put me on an endless hold without even informing me that I would be placed on hold. I feel that the credit card and financial institutions along with the credit bureaus have unfair practices towards those who are impacted most by financial hardships.
Consumer complaint received 2022-06-01
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete these pieces of questionable information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-07-04
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. (OH)

I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

Paid Victorias Secret and XXXX  XXXX Accounts in full with Community Bank, yet they are still flagging my account on my credit reports as negative. Have called repeatedly to dispute and get it updated and they are telling me they don't have the accounts anymore, yet they are still reporting as negative to my credit reports. The accounts are at XXXX so they should not be reporting it as negative. 

The accounts are Victorias Secret and XXXX XXXX.
Consumer complaint received 2022-06-01
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)

I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers instead of investigating the information that I have ask to be asked to investigate. I last mailed in a disputed on XX/XX/2022 and get an alert on XX/XX/2022, through my email say you dispute complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX XXXX that they purchase information from, been informed that they do not have any information in their system. I have attached the disputes and the alerts that I received today.
Consumer complaint received 2022-06-01
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. (PA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I opened My American Express XXXX Surpass Card ending in XXXX on XX/XX/XXXX with a promotional offer of XXXX XXXX XXXX  points and one Free Night Certificate after {$4000.00} of qualifying spending ( image # 1 ). However during the first few weeks after completion of said requirement, I did not receive the bonus and a representative told me that system showed I did not reach {$4000.00}. They would later correct that I have " met the spending on XX/XX/XXXX '' and all it takes is for the 8-12 week to pass per terms and conditions. However that 12 weeks expired on XX/XX/XXXX and no bonus has showed up yet. 

I subsequently opened a case ( # XXXX ) with American Express on XX/XX/XXXX through online chat. They concluded their investigation on XX/XX/XXXX stating three of my transactions were person to person transactions and thus does not qualify me. That is fundamentally wrong because they were, processed through XXXX, a payment solution company, tuition payment to XXXX  XXXX XXXX XXXX and rent payment to XXXX XXXX XXXX, a property management company. None of them is remotely " person to person ''. This is easily evident in the statements and activities summary downloaded from Amex Website ( see below or pdf attached for complete description ). I have the transaction records from XXXX XXXX  XXXX XXXX XXXX or processing company if needed as well. 

I was not informed of this ( incorrect ) ruling through any of the mail address, emails of phones I have on record with Amex. This result only came to my knowledge when I asked about it today of XX/XX/XXXX. 

Three transactions claimed to not qualify : XX/XX/XXXX XXXX-TAX   https : XXXX {$1900.00} XX/XX/XXXX XXXX-RENT https : XXXX {$620.00} XX/XX/XXXX XXXX-TAX https : XXXX {$1000.00}
Consumer complaint received 2022-06-01
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX DEPT OF ED Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. DEPT OF ED Account # XXXX