davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (VA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, BankruptcyXXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXXXXXX XXXX VA XXXX, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Referencenumber : XXXX Court : US DIST CT, XXXX  XXXX bankruptcy discharged Filed on XXXX XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-01-11
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (OK)

I been trying to attain a increase for 7 months now from " Goldman Sachs '', and just today on XXXX XXXX ; XXXX I ask again for a credit increase and once again denied. Their reason which been their same reason over and over again that due to lates, or negatives on my XXXX, from which this bank pull from that my request has been denied. I have told them I don't know where you attain this information from, but your computer system is not accurate at all. My credit scores are in the XXXX which is listed as excellent rating. One can not attain an XXXX  credit score, and don't have " ANY '' lates, negatives, or derogatory on your credit report that's just impossible. I ask them to look at my XXXX, and XXXX to prove my real credit scores and report and they refuse. So I had no choice but to file a complaint on Goldman Sachs. I also have filed a complaint with Federal Regulation Board.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

TO WHOM : IT MAY CONCERN : ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS PUBLIC RECORD TO BE REPORTING ON MY CONSUMER REPORTS
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MD)

XXXX debt in the amount of {$330.00}. Two collection agencies are trying to collect this same debt. Both of them told me they are responsible for the debt and to not pay the other company. The two collection agency names are Waypoint Resource Group and XXXX XXXX XXXX. XXXX told me that XXXX was a fraudulent company and to be weary about paying them, that they checked the better business bureau and it said that XXXX commits fraud. The debt was opened with Waypoint on XXXX XXXX. It was then opened with XXXX on XX/XX/XXXX. Waypoint began a dispute in XX/XX/XXXX and it still isnt resolved.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon discovering a ( Low ) credit Score of about ( XXXX ), on my ( XXXX ) Credit Card, I immediately, called XXXX of this serious Mistake. The operator informed me, that he could ( Not ) help me ; and I needed to mail a Written Letter of ( Dispute ) to ( all ) ( 3 ) Credit Bureau 's ; ( XXXX, Equifax XXXX XXXX ). The ( Letters ) were sent on XX/XX/2023. A few days later, I received only ( 1 ) response from XXXX, the other ( s ) ( Failed ) to properly respond back. 

In my Dispute Complaint ( s ), I clearly pointed out, that I have ( Never ) been Late, with any of, my former ( Mortgage ) Payments, Loan # XXXX. Our Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. XXXX ( Claims ) The Bank claims I was ( Late ) in this ( Last ) XXXX of XXXX, for amount of {$1700.00} Dollars & stated I was ( Late ) this ( XXXX XX/XX/2023 ....? Even though my Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. Try & explain that one ....? 

This is totally ( False ), & clearly the work of Incompetence by the XXXX of ( XXXX XXXX XXXX  ). My ( Wifes ) mortgage Payments are Automatically deducted from her payroll, with XXXX XXXX ... ... ... ..! My present Credit Score is preventing me, from obtaining a ( Loan ) to get my ( Roof ) repaired, XXXX XXXX XXXX, is responsible for my Credit Score, being ( Lowered ) from ( XXXX ) to ( XXXX ) ) ... ....! I need this serious situation corrected & Re-State my Excellent Credit Score. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX E-Mail XXXX Tel # XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/2023 I requested my free annual credit report from all three bureaus and I received it from XXXX and XXXX but none from Equifax. I further followed up with the bureau in particular on XX/XX/2023 via USPS again for a report and to date, I have received no response. 

It appears Equifax is furnishing a credit profile that is fraudulent and refuses to provide a report to dispute and exclude from my credit causing me harm from credit slander and defamation. Per 15 USC 1681, they are to provide a fair accurate report and not interfere with my general reputation. They are further liable per 15 USC 1692k civil liability and under 15 USC 1681n for willful noncompliance.

Failing to send you notifications about your credit report or score in violation of the FCRA. I further declare I am entitled to statutory damages based on Equifax 's conduct.
Consumer complaint received 2024-01-06
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 (CA)

Who is refusing to release my funds. I have created a Venmo account for my business a few months ago. My clients have sent me payments via Venmo and now Venmo is holding all my funds and disabled my account with no opportunity to appeal. 
Who attempting to add a bank account, Venmo appears to have trouble with its verification. I have supplied extensive documents pertaining to identification, my business documents, client transactions, banking statements, personals, etc. Everything is valid and up to date. Despite all this, Venmo still is not allowing me to add my valid bank account details and has abruptly and permanently disabled my account XX/XX/ XXXX XXXX 
There is no appeal process. This is unjust to say the least. How can a company deny extensive valid documentations and steal all my hard earned monies?
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's XXXX XXXX equifax checks systems ; are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed immediately!!!!!!!!!
Consumer complaint received 2024-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I have a company called Consumer Adj showing I owe them {$340.00} on my credit report and I have never done any business with this company. 

They are showing Balance : {$340.00} Original Balance of : {$250.00} Acct # XXXX Date opened : XXXX XXXX contact info : CONSUMER ADJ CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MO XXXX Phone # : ( XXXX ) XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

This company operating and doing business as Jefferson Capital System has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc. (NC)

unathorized charges, and no knowledge of accounts being open, reprted fraudulent to XXXX and XXXX XXXX, company keeps reopening this acct like it is new, I repeatedly report it as fraud and I am not getting anywhere, according to credit report I owe {$3400.00}, i never received merchandise. i have been out of nevada for XXXX  years I was at United States XXXX XXXX at XXXX XXXX since XXXX XXXX XXXX, went to station in XXXX XXXX oklahoma XXXX XX/XX/XXXX until XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current XXXX.
Consumer complaint received 2024-03-09
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: BMW Financial Services NA, LLC (FL)

The BMW financial obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in XXXX  when my mother got covid and I was stuck in XXXX they would not fix it the 800 # did not work there and they did not believe me. 

THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. 
I explained this to BMW financial and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. 
The dealership representative told me the car went to the auction, then I was told by BMW financial that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. 
This is what the manager said over the phone at BMW financial There are 2 types of lease buy outs : a ) One where the dealership buys your car and takes care of all the customers cost. 
b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. 
I apparently had option B, so basically the dealer bought my car, sold it made money and bmw financial profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after covid and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. 
I finally threatened litigation to the dealership XXXX XXXX bmw and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. 
I told all this to BMW Financial and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the BMW dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past 3 leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY BMW FALSELY REPORTING ME. 
I WANT THE LATES TO ALL BE REMOVED FROM MY CREDIT
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

The debt is owned by a business, XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT personally guarantee this account. The only reason Comenity supplied my social security number with this account is because I have personal accounts with that bank but I NEVER personally guaranteed this card and they have not been able to provide proof that I did. This is a violation to combine my personal and business accounts in this way. This collection should not appear on my credit report.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I don't recall having a contractual relationship with this collection company Synerprise Consulting Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-02-08
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 am writing to file a complaint against Apple Card Goldman Sachs for mishandling customer dispute funds. Despite previous complaints, Apple Card Goldman Sachs has only addressed the issue by displaying the disputed funds, originally withheld by merchants, in my bank account. However, this cunning bank has merely manipulated its accounting records to show that these funds have been transferred to me. Yet, the problem persists as my available credit has not been updated, leaving me still responsible for repayment. 

Following my complaint, Apple Card Goldman Sachs has displayed refunds in my transaction records. However, despite several transfers, the total refunded amount of {$1000.00} contrasts with my total credit limit of {$2000.00}. Why, then, is my available credit only {$870.00}? How am I still indebted by {$1100.00}? 

Evidence suggests that Apple Card Goldman Sachs is embezzling funds through its accounting practices. Despite multiple attempts to resolve this matter with Apple Card Goldman Sachs, I have been met with no satisfactory resolution, only further frustration. 

I urge the authorities to oversee this matter promptly. 

Yours faithfully, XXXX
Consumer complaint received 2023-11-09
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. (TX)

I, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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 I, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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 2024-07-02
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: PRONTO FINANCE INC. (IL)

PRONTO FIN XXXX Balance Owed : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.
Consumer complaint received 2023-05-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-04-27
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: LEXISNEXIS (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.