davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

Venmo, without my knowledge or consent, is classifying transfers between individual people as cash advances when reporting the transaction to XXXX XXXX XXXX XXXX. As a result, XXXX CXXXX XXXX XXXXXXXX is charging me a fee and interest on the transaction. The transaction records on Venmo 's side do not make any indication whatsoever that the transaction was considered a cash advance or that it would be coded as such on the credit card transaction. This is the first time this has happened to me and this has not previously happened. I believe this is deliberate collusion between Venmo and credit card processors to abuse consumers into paying fees and interest on low-risk transactions where it is not necessary or disclosed.
Consumer complaint received 2022-08-30
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. (MO)

This is my several 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, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (TN)

credit report are supposed to be accurate an valid my reports are not such across the board the amount for violations of my rights will be drawn up in an invoice with a list of violations as i have given them years to fix these issues
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (IL)

I had a Caesars Rewards Visa Credit Card and tried to take advantage of a transfer balance prom to off other credit cards. 
During XX/XX/22 I paid my balance to a negative XXXX so I could keep paying any interest on the amount I apply for. Between XXXX I applied for the amount of {$4600.00} and it went on my statement. The transfer did not work and was interest on XXXX XXXX  card and payments to a transfer that did not happen. I spoke with Caesars Rewards Visa and they said there was a problem with making the transfer to XXXXXXXX XXXX  I said cancel my card and the {$4600.00} was removed from my card which never received. 
In both XXXX & XXXX received statements that I owed {$4600.00} with late fees & interest. Each I called and fought through the people wanting a payment to a manager. 
Each time I was told they clear up the problem The last conversation was opening investigation case taking XXXX days. On XX/XX/XXXX I received a letter that Caesars Rewards Visa had found the duplication charges and was clear of all charges, interest, fees, and bad credit reports. I was so happy. 
Mid XXXX I received the same statement I owed money, I called and spoke to a manager. I was told to wait until XXXX and everything should be corrected. XXXX cam and the same problem, after 2 hours on the phone and calling the Caesars Rewards Visa phone number, NO XXXX had any knowledge of the letter. A letter that Caesars Rewards Visa had sent me. 
Again, believe it or not Caesars Rewards Visa opened another investigation case that again can take 30-90 days. 
I am at a point where I need a solution or a recommendation on a lawyer. 
I have all my XXXX XXXX statements and NO money was ever deposited into that account, also it resolved by Caesars Rewards Visa that they made an error. However, there customer service has no idea what they are doing. 
This is affecting my life and I need this fixed
Consumer complaint received 2022-08-30
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. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX. These Inquiries resulted from the theft of my identity therefore, these inquiries must be removed from my Credit File. Thank you and I am expecting an immediate action with regards to the continuous issue that I am raising.
Consumer complaint received 2024-10-31
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)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

To Whom It May Concern, I am submitting this complaint due to an extremely distressing and misleading experience with Marcus by Goldman Sachs, an online banking service. This issue has not only disrupted my mortgage closing process but has also resulted in substantial financial losses and unnecessary stress. 

Issue Overview : 1. Misleading Information Provided : I specifically inquired with Marcus customer support about transferring funds directly from my Marcus account to my mortgage escrow account. Marcus assured me that this would be possible. Relying on this information, I proceeded with plans to initiate the transfer. 
2. Denial of Service : When I attempted to transfer my down payment as advised, Marcus abruptly denied my request, claiming I did not meet their criteria for this type of transfer. This was never disclosed in my initial inquiry, and it left me in an extremely difficult position with very limited options.

3. Lack of Accessibility and Transfer Delays : As an online bank, Marcus does not provide in-person services, so obtaining a cashiers check directly from them for my escrow account was impossible. My only remaining option was to transfer the funds from Marcus to my XXXX XXXX account to access a cashiers check from a physical branch. However, even this transfer has been subjected to significant delays. An entire day has passed without completion, delaying my closing and incurring costly penalties. 

Financial and Emotional Impact : This situation has forced me to reschedule my closing date, resulting in a heavy fine. I am experiencing severe frustration and financial strain, as I feel powerless over my own money, forced to operate within Marcus restrictions and at the mercy of their processing times. I placed trust in Marcus based on the assurances they provided, and this experience has shattered that trust, making me feel exploited by their misleading claims and inaccessible services.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Marcus by Goldman Sachs for providing misleading information and failing to facilitate access to customers own funds in a timely manner. Marcus should be held accountable for the financial burden and stress caused by their inadequate service, and necessary steps should be implemented to ensure no other customer endures this kind of experience. 

Thank you for your attention to this matter. I hope for swift action to prevent future customers from facing similar harm. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-30
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)

FCRA Violations Not My Credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$110.00} written off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family NOT MY XXXX NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-31
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)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-03-14
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: HYUNDAI CAPITAL AMERICA (AZ)

In accordance with the Fair Credit Reporting act Hyundai Capital America 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TN)

I am filing a formal complaint against PayPal regarding the freezing of my account without any notice or explanation. Upon discovering the freeze, I attempted to reach out to PayPal for clarification. Despite repeated inquiries, I have received no clear response about the reason for the freeze, nor have I been able to access my account to gather further information or address any potential issues. 

I request your assistance to investigate this matter and ensure that PayPal provides transparent communication regarding the actions taken on my account and an accessible path for resolving this issue. 

Thank you for your attention to this matter. 

As of XX/XX/year>, PayPal has disclosed that they have over XXXX in my account, however refuse to release it.
Consumer complaint received 2022-08-30
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. (FL)

This is my fourth 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  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX  XXXX Balance : {$97.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-30
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. (CA)

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with verified status. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8300.00} Date Opened XX/XX/2014 2014
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I purchased Candy outside a store from a teenager who claimed he was fundraising for his church. I purchased the candy for {$3.00} which was shown on the XXXX XXXX receipt provided to Chase on my claim. XXXX days later the original {$3.00} charge was posted as {$200.00} on my bank account. I filed a claim with Chase and it got denied due to merchant saying customer authorized transaction which i absolutely never authorized a {$200.00} tip. The initial receipt even shows a {$3.00} charge.
Consumer complaint received 2022-08-30
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. (CA)

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by XXXX5 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (PA)

CARMAX AUTO FINANCE HAS BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes. CARMAX AUTO FINANCE and their inaccurate reporting have damaged my livelihood.

The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. CARMAX AUTO FINANCE reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system. 

CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for CARMAX AUTO FINANCE to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that CARMAX AUTO FINANCE are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that CARMAX AUTO FINANCE clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 

I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following Account inaccurate! XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by 15 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and XXXX 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 Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor 10 XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via XXXX XXXX since XXXX.