davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TX)

Unauthorized credit inquiries obtained by the following companies : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (FL)

0 % charges are being satisfied prior to interest bearing charges as a priority over interest bearing charges out of the minimum payment paid and anything over the minimum payment is being applied toward interest bearing charges. In addition for every installment purchase at apple suppose to be interest bearing become interest bearing each month beyond month # 1 instead of seeing 12 months interest or 24 month interest bearing the consumer is being subjected to a reduced installment balance while the interest bearing balance is not being reduced with the payments made on the credit card.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXg of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX. {$400.00}, XXXX XXXX XXXX : {$600.00}, XXXX XXXX XXXXXXXX {$580.00}, XXXX XXXX XXXX : {$210.00}, XXXX XXXX : {$120.00}, XXXX FS XXXX XXXX : {$980.00}, XXXX XXXXXXXX XXXX XXXX : {$150.00}, XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2024-08-25
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. (AR)

these inquiries are the result of identity theft, please remove them. XXXXXXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Retailer ) XXXX XXXX ( Bank XXXX XXXX ( Retailer )
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IN)

Venmo had froze my account due to someone transferring money out of my account onto their card. I disputed it and it was found in my favor, so the money was replaced. My account was froze during this time of investigation. They unfroze my account once the investigation was completed. I was able to transfer half my money over to my rooommate since I couldn't add my bank information on the venmo app. Everything was working fine until today XX/XX/XXXX when I tried adding my bank info again to the venmo app and it kept saying couldn't add this card at this time please try another card. So i tried another card. Now they froze my account with my {$440.00} on it and keep telling me to follow the instructions sent via email. I told them I have not received an email from them about my account being froze again. The agent keeps saying theres nothing he can do. So my account is froze and I can not access my money and they won't answer any of my questions. They froze my roommates account too and he just opened his last night on XX/XX/XXXX. 
I have requested a Venmo debit card three times and they say its on its way all three times and I still have never received one. I opened the account in XX/XX/XXXX.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dear resurgent ivnv funding, this letter is being sent to you in response to a recent charge that was made on my credit report i do not recognize. 
be advised this is not a refusal to pay, but a notice sent to pursuant to the fair debt collection practices Act,15 USC 1692g starting your claim is disputed and validation requested. 

this is not a request for verification or proof of my mailing address, but a request for validation made pursuant above-named title and section. i respectfully request your office provide me with evidence that i have any legal obligation to pay you. 

at this time, i will also inform you that if your offices have reported invalidated information to any 3 major credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) this act may constitute fraud under both federal and state laws. due to this fact, if any negative mark is found on my credit report by your company or the company you represent, i will not hesitate in bringing legal action against you and your client for the following : violation of the fair credit reporting Act, violation of the fair debt collection practice Acts, and defamation of character. 

if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit and a copy of such deletion request shall be sent to me immediately. 


sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit 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: AMERICAN EXPRESS COMPANY (NY)

I rented a car in XXXX from XXXX XXXX on XXXX  and the plastic fell off my mirror and I had insurance through the XXXX credit card and XXXX XXXX took XXXX for the damage then I called XXXX and told them everything and they asked for pictures of XXXX XXXX and in the end they didn't send anything so XXXX threw me the The bullet and they just damaged my account. Now I'm turning to you to do the right thing and oblige XXXX to refund me the full amount plus a tip for the great injustice they did to me instead of returning the money immediately from XXXX XXXX and paying them from the insurance I have on the card only after XXXX XXXX sent them the The pictures, they caused me great damage I would like the money back immediately plus the interest for the entire time the money was in XXXX 's hands I have already spoken several times with XXXX and they are asking me for a document of the insurance I had in the United States at the time of the accident. 
And I explained to them that I didn't have any car insurance in the United States and I didn't have any car at that time. And there is no voice and no answer. 
And I feel that XXXX is not doing anything to give me back the money I am owed The gist of things in a nutshell I rented a car with XXXX XXXX. 
The plastic of the mirror fell off XXXX XXXX stole {$900.00} from me for the damage instead of taking it directly from XXXX XXXX XXXX did not want and ignored me and XXXX to send the photos I asked XXXX to return the money that XXXX XXXX stole XXXX replies that I will send them the photos and the insurance I had I told XXXX that XXXX XXXX is ignoring and not sending XXXX also called XXXX XXXX and they did not reply to XXXX I explained to XXXX that they see that XXXX XXXX are simply thieves and they do not participate in an action that would please return my money. And when XXXX XXXX returns with the photos, etc. we will talk And there is no sound and there is no season. I feel that XXXX just made fun of me very, very much. 
I work very hard and I just don't have the time to chase XXXX to return the money that was stolen from me dishonestly Even when XXXX calls me, they tell me to bring this note and this note And I explain to them simply and clearly that for the act they ignore me and tell me this is what is needed I do not know and understand why they are asking me for the United States insurance. While I had no insurance I feel very, very humiliated by what XXXX is doing to me I wrote everything in translation, I hope you understand everything I wrote from the bottom of my heart
Consumer complaint received 2024-09-11
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

I used Apple Pay to order shoes from " XXXX '' for {$99.00} on XX/XX/year>. 
The shoes never arrived. 
I disputed the charge and made a fraud protection claim repeatedly. 
I submitted an affidavit stating that I never received the shoes. 
Goldman Sachs/Apple pay found in favor of a merchant ( renamed by them as " XXXX XXXXXXXX '' ) without any evidence that it even exists outside of a scam site.

I have spent hours talking to Goldman Sachs " specialists '' on 3 different occasions but none of them have authority to reverse the charge permanently. 
I escalated the dispute but GS offers no names, phone numbers or emails of any of their managers with any authority. GS promises someone will call but they never do.

I have many other cards but I signed up for Apple Pay for its promised convenience and fraud protection for online purchases. I feel th
at this is GS protocol for avoiding fraud protection which it featured when offering their services.

I know there are others in my class that GS must be denying claims. This is my first time disputing a purchase from an online merchant and I feel GS is engaging in deceptive trade practice by not honoring their promised fraud protection.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (LA)

Subject : Formal Dispute Regarding Inaccurate Reporting and Illegal Re-Aging of Debt I am writing to formally dispute the reporting of inaccurate and misleading information that you have furnished to XXXX regarding an account in your name. The account details are as follows : Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I have obtained multiple credit reports from XXXX, dated XX/XX/year>, XX/XX/year>, and XX/XX/year>, and have identified clear violations of the Fair Credit Reporting Act ( FCRA ). These violations include : 1. Illegal Re-Aging of Debt : The Date of Last Activity ( DLA ) has been improperly updated to change from XX/XX/year>, to XX/XX/year>, and then XX/XX/year>, which is a clear attempt to illegally re-age the debt. Under 15 U.S. Code 1681c ( a ), the original delinquency date must be reported correctly.

2. Inaccurate Account Type Reporting : The account is inaccurately reported as an Open Account, despite this classification being incorrect. This violates 15 U.S. Code 1681s-2 ( b ), which requires furnishers to provide accurate information to the credit bureaus. 

My Demand : I am requesting that you immediately instruct XXXX to delete the inaccurate account information from my credit report and cease reporting this account inaccurately. If this issue is not resolved within 30 days, I will pursue legal action for your violation of the FCRA under 15 U.S. Code 1681n and 15 U.S. Code 1681o, and I will seek damages for willful and negligent non-compliance.
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (WI)

I took out loans from XXXX and while in XXXX I had to take some time off due to my XXXX XXXX XXXX. XXXX  then took my loan at turned over {$20000.00} into collections which shouldn't have happened as I returned to school the following semester. I have tried to explain to them that it should never been turned into collections because no one told me about the repayment and I was XXXX XXXX XXXX XXXXl I had just taken time off for the XXXX XXXX XXXX XXXX. When I called and ask them to remove it from collections they said that you can not take things out of collections once they're in there which I know is not true. This has greatly affected my life as I am unable to get loans or anything due to this being on my credit score
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Byrider Franchising, LLC (VA)

I purchased the XXXX XXXX XXXX XXXX on XXXX XXXX. The check engine light came on the 2nd day of me driving the car. I took it back to Byrider. I asked was it possible to switch to another car because I didnt want a car with a check engine light on I was told NO. The service manager at the time XXXX looked at it and said its a sensor problem and the state of Virginia states they dont have to fix it I was confused and upset. They advertised used reliable cars and help people low/bad credit so I trusted I would get a reliable car. Within 60  days the engine blew they claim to have fixed the engine and the reason the check engine light is on. The check engine light came on and stayed on. Then a few weeks later the car was over heating and wouldnt start. I went to advance auto and was told I needed a new battery because the one in it wasnt the right battery for my vehicle type so I spent {$220.00} on a new battery. My car was over heating because it was leaking antifreeze. Took it to service and the radiator was cracked, water pump cracked, C02 sensor replaced, bent control arm, I had to pay {$360.00} for them to fix the car mind you the warranty only covers certain parts and there is a {$60.00} deductible every time you bring the car in to get fixed and I dont trust that they were actually fixing the problem. When I came to pick the car up XXXX the service manager at the time said they seen I also have an exhaust leak but they didnt fix it because they already did a lot of work to my car. That statement confused me as well because why wouldnt you fix it or call me to tell me the other issues found with the car. So I just take the car and drive off. Im not rich I went to that car lot because of the false advertising of reliable used cars. I was sold a lemon and I contacted them several times about the vehicle even tried speaking with the manger who was very rude to me and showed no empathy to the issues that I brought to his attention about the vehicle that was sold to me. My car was only worth XXXX $ and was paying {$15000.00} for the car. My car note was {$520.00} a month. I lost my 2nd job because of me not being reliable to show up on time because of the car not being reliable but Im still paying for a car that wasnt working like it should. I lost time, money all behind this car and I want my money back. The stater went out then the transmission and at that point I was over the car I only had it for 10 months before I voluntarily repossessed the car. I had my insurance tow it to them. Now I get a letter saying they sold the car for only {$900.00} and I owe over $ XXXX still which is ridiculous since I was sold a lemon. Please I need help trying to recoup money that I lost because of Byrider Im without a car and dont have the funds to get another vehicle.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

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 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 2024-10-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear, TransUion I am writing to formally dispute inaccuracies in my credit report related to my XXXX account. I obtained a copy of my report and believe the following information is incorrect : Creditor Name : XXXX Account Number : [ Your Account Number ] Reported Balance : {$510.00} Highest Balance : {$440.00} Opened : XX/XX/XXXX Account Status : Closed Remarks : Charged off as bad debt Balance Discrepancy : The reported balance of {$510.00} exceeds the highest balance of {$440.00}. 
Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 
Payment History : The last payment is noted as XX/XX/XXXX, with no subsequent payments recorded. If I have made payments after this date, they should be reflected in the payment history. 
Under 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information and receive a reasonable investigation. 
Payment Status : The report states " No Info '' for payment status, which is misleading.

Und

er 15 U.S. Code 1681e ( b ), agencies must report accurately and can not omit critical information that misrepresents the consumers credit behavior. Charge-Off Status : The remarks indicate " Charged off as bad debt. '' I would like clarification on this status and if it has been resolved. Under 15 U.S. Code 1681s-2 ( a ), furnishers of information must provide accurate information to credit reporting agencies, including details about charge-offs. Late Payment History : The report indicates 0 times 30/60/90 days late, which may not accurately reflect the history of this account.

Under 15 U.S. Code 1681s-2 ( b ), furnishers must correct inaccurate information after receiving notice of a dispute from a consumer reporting agency.

In accordance with 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft within 4 business days of receipt.

I am requesting the original copy of the agreement and terms and conditions related to this account. Failure to comply will forfeit your claims and require you to delete the items listed above. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. 
Please delete this account unless you wish to be held accountable for {$1000.00} per account. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (GA)

Earlier this year I was involved in an accident. My vehicle was deemed a total loss but for about XXXX months after my lien holder kept reporting late payments on a car that was neither in my possession or operable. I have proof I did not have my car and it was deemed a total loss before it even began to be reported as " late ''. This has affected my credit score tremendously.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This complaint is regards to late/missed payments reporting inaccurate on my consumer credit report.Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible acturacy of the information concerning the individual about whom the report relates. 

I have attached a screenshot shot of my credit report highlighting the errors and inaccuracies.