davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (AZ)

In XX/XX/XXXX I purchased XXXX XXXX from XXXX. In the ad it says " 0 % '' interest for 24 months. Received my first statement and there were charges on the account that were not mine. Eventually they were removed but interest was being charged. I called Goldman Sachs many many times, no one had a clue as to why. Was finally told that interest was being charged on the sales tax. I was never told that and it clearly states in the purchase that it would be 24 months 0 % interest. There are XXXX different amounts on each statement, which I was told by apple and goldman sachs that one was for the sales tax and the other towards the phones. There has been XXXX payments since I started and not only am I still paying interest but the balance due is more than it should be. I have written to XXXX XXXX XXXX XXXX XXXX at XXXX back XXXX XX/XX/XXXX and heard from someone at her office but she had no clue what was going on. I wrote again XXXX XXXX to XXXX XXXX and explained in detail about payments, interest etc, but as of this date, XX/XX/XXXX I have heard nothing. I think its fraudulent to advertise something that they do not do. Plus to have to owe more than should be.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Complaint Against Experian Regarding Unresolved Credit Report Disputes To Whom It May Concern, I am writing to file a formal complaint against Experian regarding the unresolved issues on my credit report. For several months, I have attempted to address these issues by contacting Experian, but to no avail. Despite numerous attempts, I have been unable to speak with a live representative and have only encountered automated systems that do not provide a resolution to my concerns. 

My attempts to communicate with Experian have been met with frustration, as the automated system repeatedly indicates that I can not speak with a live person and instead suggests sending a link, email, or text. This lack of accessibility to a live representative is unacceptable, especially considering the importance of resolving discrepancies on my credit report. 

Due to Experian 's failure to provide adequate customer service and address my concerns, I request that all disputes on my credit report be removed effective immediately. It is unreasonable to expect me to resolve these issues without the ability to speak with a live representative. 

Furthermore, I would like to express my dissatisfaction with the disparity in customer service between Experian and other credit bureaus such as XXXX and XXXX, with whom I have been able to communicate effectively. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that my voice is heard. Additionally, I intend to file another complaint against Experian if this issue is not resolved promptly. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX XXXX email saying contact her XXXX XXXX XXXX XXXX XXXX XXXX about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was a mistake in payment XXXX XXXX ( collections XXXX ) removed XXXX XXXX -May XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have XXXX XXXX payment because I am running a business and need the funding for my business to continue operating.
Consumer complaint received 2023-04-27
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

I was affected by XXXX in XXXX 2020 and had 3 late payments on my credit card. I paid the late fees and have not had any more late payments since. The credit card company states that they can not remove the reported late payments. No reason was given. 
This is have a negative affect on my credit even though it was thee years ago. According to the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) the late report should be removed if the account is in good standing now.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

XXXX XXXX  : # XXXX, XXXX XXXX # XXXX, XXXX  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 2018-04-24
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. (AL)

On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXXXXXX XXXX. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXXXXXX XXXX. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXXXXXX XXXX contracted which states that they no longer have this account as of XXXX XXXX, also a copy of a account statement from XXXXXXXX XXXX stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Account to be removed from your credit report In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX, Account Auto Loan, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Several inquiries were made in my name on all 3 credit bureaus beginning XX/XX/2023. An XXXX XXXX credit card was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number Experian had listed for me since it belonged to the thief and not me. I activated a security freeze on my Experian and XXXX accounts so far.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (TN)

Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : XXXX Account Number : Please verify the completeness and accuracy of this account : Account Name : XXXX Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely. 

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

that is the issue to begin with the state they have a claim when they don't I sent my response they have no contract they are attaching this account XXXX XXXX when it against the law based on the letter statement I sent and have attached to this complaint I find the response frivolous and without proof
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX credit card I had originally on my closed account call it account XXXX of {$280.00} it went up to {$290.00} for a full pay off I paid the {$290.00} in full I will download the online reciept, ive tried to send the conformation reciept that I paid through Experian several times it will not let me load it except once the company keeps stating there information is correct I have a new different account XXXX I with XXXX  XXXX credit card that is a totally different account I paid {$95.00} dollars for a secured card that in there policy states after XXXX to 9 months I would receive the {$95.00} as a credit towards my bill for my # XXXX open account that I owe nothing on its been 2 years ive yet to receive that temporary deposit for the # XXXX open account, also XXXX  XXXX credit card mixes my closed # XXXX credit card account payments with my # XXXX open account payments I want the {$290.00} XXXX they charges me for the old # XXXX XXXX  XXXX credit card account off my credit report immediately the dates are all in accurate for the XXXX I've opened my first card with them if you ask for there account dates and payments it's shows even though I owed {$280.00} for the first card they opened another card while I owed them for the first account that they claim I did not pay I have the reciept reference number date amount {$290.00} XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since. XXXX XXXX I reported that I was involved in identity theft and let TransUnion know multiple times to fix the report and they havent there are still numerous errors that are fraudulent. 

First account that is fraudulent XXXX XXXXXXXX XXXX Open date XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Open date XX/XX/year> Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX XXXX.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

IN XXXX XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY XXXX XXXX XXXX'. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} XXXX CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT BELONG TO ME...
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (RI)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXX XXXX {$5900.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) {$3600.00} XXXX {$3000.00} XXXX  XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) {$1500.00} XXXX  {$1100.00} XXXX  XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) {$1000.00} XXXX XXXX {$850.00} XXXX XXXX  XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX {$700.00} XXXX  XXXX {$1400.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2023-08-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AR)

I was a victim of a fraudulent attack on my Wells Fargo savings account, where the scammer did the following : On XX/XX/2023 an unknown individual ( s ) fraudulently accessed my Wells Fargo bank accounts and unbeknownst to me, added an extra phone number to my profile. On the same date my email account was inexplicably flooded with thousands of emails from many different websites purporting to confirm that I had just subscribed to their news letters. To address this spamming email issue, I immediately began deleting emails at the rate of as many as 1000 emails per hour. I discussed this event with friends and family and no one suggested that I check my bank account. 

On XX/XX/2023 some unknown individual ( s ) apparently logged into my account and ordered a wire transfer from my savings account in the amount of {$3600.00}. I do not know where or to whom this fraudulent wire was sent. After the wire was issued, Wells Fargo sent an email to my email account while I was away from my computer notifying me about the wire transfer. As soon as I saw that email, about 50 minutes after it was sent, I Immediately called the bank to alert them to the fraudulent transaction. The bank said they would make an effort to retrieve the funds which had been fraudulently transferred. The fraudulently wired funds were not retrieved by the bank nor did the bank provide the account number that the funds were transferred to nor dispute that it was a fraudulent transfer. 

Upon further research of my records, I discovered that the XXXX email coming from my bank, notifying me that an extra phone number had been added to my account, was buried in that massive spamming subscription email attack of XX/XX/2023. It was clear that the spamming attack was designed to conceal the notification email. I did file a police report with the local police department. 

The bank never texted to my primary phone number, the phone number that I personally set into my profile, any of the notifications that could allow me to prevent this theft. 

The bank should have confirmed to my primary phone that a new phone number was attempting to be added. 

Wells Fargo does not dispute that the wire was fraudulent nor has it provided any evidence that it was authorized by me.