davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I've been seeking validation and verification from XXXX regarding a negative account on my credit profile, asking for crucial documentation like an acknowledged agreement and transaction history for the balance calculation. Unfortunately, XXXX has refused to provide any such documentation, yet they've reported this unverified debt on my credit report. Moreover, given that this matter appears to be over the statute of limitations, I believe it's crucial to address this discrepancy. Please assist in forwarding my concerns to the respective companies involved.
Consumer complaint received 2023-12-07
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. (FL)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX 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 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

Have had this card for about XXXX years now - no issues. XXXX credit limit, paid regularly. Always on time. My credit score took a dip recently but I just did a ton of work to get the funds to pay across debtors including especially my Apple Card since I like to use this one often and clear the balance. I paid nearly XXXX first week of XXXX and another XXXX on XX/XX/XXXX clearing my balance completely. I received an email on XX/XX/XXXX stating my funds were still be held AND that now I will have only a XXXX credit limit without warning. By law this requires 45 day notice - I would have been more strategic paying other things had u known and wouldnt assume Id have that as back up in case. No help when I call just keep telling me its because my credit decreased which i understand however I have a solid history with Apple and pay all my bills. This was suppose to help my credit and now has made it even worse and harder. Im just told to reapply for new limit which is ridiculous. As a consumer I had no time to prepare for this and in turn had caused additional hardship to my credit standing despite great efforts to clean it up. Please help - it cant be legal to hold money over a week then notify same day that you now cant access XXXX XXXX of it. XXXX and Goldman Sachs idk who is liable but I know that they both play a part in the shadiness of this situation
Consumer complaint received 2023-12-07
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have had Navient as a student loan servicer since XXXX. This month I received a letter from Navient that raises my payments from {$110.00} a month to {$360.00} a month. I can't afford this, my only income is from social security. In 23 years this has never happened. This loan now has an accelerated schedule to pay the loan off in XXXX with these huge payments. Please investigate - there's no way I can afford this, can Navient do this?
Consumer complaint received 2023-12-07
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 XXXX  did unlawfully close my account and charged it off and since then began reporting me as late payments and now reporting me as delinquent payment of XXXX  days and continue to raise charges every month and this has caused a massive decline in credit score am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my Credit worthiness and its illegal to report any payments as late. And then knowing and willing report false claims that Im late amd delinquent every month when the account is close and its unlawful to report false information and late payments then add delinquent payments this is defamation and destroying my ability to getting a loan of credit
Consumer complaint received 2023-05-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CA)

Hello, I opened a savings account at TD bank that came with a {$200.00} bonus, but after completing the terms I never received the bonus. Below is a timeline of the events : Fall XXXX : Received mailer promoting " {$200.00} when you deposit at least {$20000.00} in new funds in the first 20 days and keep at least a {$20000.00} daily balance for 90 days. '' XX/XX/XXXX : Opened a savings account with TD bank and deposited {$20000.00}. 
Winter XXXX : Called TD bank customer service line to make sure the account qualified for the bonus, and was assured that they did. 
XX/XX/XXXX : Completed the terms for receiving the bonus. 
XX/XX/XXXX : The bonus was still not reflected in my account, so I called the store manager about the lack of payment. He was going to look into it but I never heard back about a resolution XX/XX/XXXX : Went into another TD bank and spoke to a manager about the issue. She claimed no promotional mailer was sent to my address. They asked if I had a copy of the mailer but I no longer had it after opening the account 2 years ago. I believe there may be an error in their electronic system about who/where the mailers were sent to, because I definitely learned of the promotion through a mailer I received in my mailbox.
Consumer complaint received 2023-12-07
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-07
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. (AZ)

XXXX XXXX XXXX XXXX XXXX was recently removed from my inquiries and it appeared again. On XX/XX/2023 I received a notification of a car inquiry I did not make. Please delete immediately
Consumer complaint received 2023-12-02
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: EQUIFAX, INC. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (FL)

I have never opened an account with Chase Card Services, but a letter was delivered via XXXX  XXXX ( which had to be signed for ) to my address stating that I had an account balance of {$6200.00} that needed to be settled or else it would be submitted to a law firm for review. As stated previously, I have NEVER banked with Chase, so I think this is a phishing/fraud incident.
Consumer complaint received 2023-12-07
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. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MA)

At one point in time I filed for an apple credit card via Goldman Sachs and then closed the account. This was around 2022 when it closed and they still are showing up on my credit report and I do not know why? It says via XXXX that dings like this fall off after 3 months and few years later is still there. Its been eating away at my credit score ever since. I need it to be fixed and to show up as a technical error. Its also saying my oldest credit card account was from nine years ago but is also saying I closed that and still have XXXX  XXXX from 9 years ago. I should be getting rewarded credit for this and havent been. Changing to a new XXXX  XXXX card doesnt mean that I sold off my credit history from the previous XXXX years for the new card. Its still capital one and shouldnt change. Only the interest rate and fees should be charged if they ever do accrue! Its ruined my credit history because of this. My longest account by date should have me at 9 years still not 3 years. Apple credit card ding should be removed entirely
Consumer complaint received 2023-11-03
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)

Experian, XXXX, and XXXX did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Law Offices of Robert J. Colclough, III (CA)

under section 15 usc 1681 i am disputing this debt for these following reasons. this account is not mine the balance being reported is not correct I have no prior knowledge of this account and it does not belong to me Why are you reporting this on my account? FCRA requires all information to be accurate! Please remove this immediately
Consumer complaint received 2023-12-07
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. (MO)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE ACCT XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ACCOUNT XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$840.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.
Consumer complaint received 2023-03-23
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. (MD)

I need these accounts removed from my credit report there are two different collection agencies reporting on the same account XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts. 

XXXX XXXX XXXX : XXXX  XXXX These accounts have been paid in full but are still reporting to TransUnion XXXX and XXXX
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/2022, my name and credit card number were stolen. The card itself wasn't stolen. The Bank of America XXXX XXXX XXXX alerted us about possible fraud on XXXX XXXX. I looked at the transactions and there were several XXXX dollars worth of charges that I had not made. 

Another part of the identity theft/scam was that the thief was sending XXXX XXXX and XXXX XXXX people to pick up packages and take them to XXXX or another mailing service and send the stolen packages to them. We encountered 4 different delivery people including 3 on XXXX XXXX and intercepted 2 or 3 packages. I filed a police report on XXXX XXXX and even called them to the house because one of the XXXX XXXX people wouldn't leave. 

I talked to Bank of America fraud department several times. They refunded some of the charges we disputed. However, others weren't considered fraud because they were delivered to our house. I was out of town at the end of XXXX when they would have been delivered. I suspect the thief was using XXXX XXXX to pick up and send packages to them similar to what we experienced in XXXX. Some of pending charges were to businesses that I have never patronized. These pending charges are from the same companies that Bank of America has canceled. I don't understand why these are different. 

I haven't heard from Bank of America since XXXX regarding the claim. Online it says the claim is active, but they haven't updated me. The credit card company has started to charge us late fees and interest on the pending charges that I disputed.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I made a purchase on my card - shortly after the purchase I noticed that I was overcharged from the original amount quoted to me. I reached out and filed a dispute on the charge around XX/XX/XXXX I contacted the dispute department on XX/XX/XXXX to follow up on the resolution as I had not heard anything. I was advised by the representative I spoke with that dispute was closed and a credit was issued back to me for {$940.00} During the conversation I confirmed once more that the case was closed and this was the final resolution- I still needed to pay for the services so I advised her I was going to pull out money separately to pay for the services but wanted to verify the case was closed and this was final - she stated it was final and the credit could not be reversed and no further action would be taken. Based on this conversation on XX/XX/XXXX I went to my bank on XX/XX/XXXX and pulled out just over {$900.00} and paid the company directly for my purchase. 
On XXXX I noticed that the credit I received from the original dispute was taken back and the original charge of {$940.00} was placed back on my card on XXXX. I contacted the dispute department to clarify what happened. During this call the representative advised again that there is no reversal to the credit- so I asked how or why was it reversed- she couldn't explain why but said the case was closed. 
Based on the expectation provided by the representative on XX/XX/XXXX I withdrew money from an account to pay for the services. If this expectation had not been set I would not have done this. Now I have already paid for the services in cash and had the services charged to my account- I have paid 2 times for these services. My actions were based on the expectation set by the representative - proof can be provided that I withdrew money to cover these services- if it wasn't for this misinformation I would not be out this additional money
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute certain items on my credit report that are inaccurately reported. I want to bring to your attention that both XXXX and XXXX have already removed these accounts from their records, recognizing an error in the information. The following accounts are in question : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I find it perplexing that your bureau has verified these accounts while the other major credit bureaus have acknowledged the error and removed them. This inconsistency raises concerns about the accuracy and reliability of the information on my credit report.
Consumer complaint received 2024-05-18
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I closed a credit card with Wells Fargo over the phone. The agent told me all fees were paid, and my account was closed. However, checking my credit on XX/XX/XXXX, I saw that there were XXXX months of late charges associated with that same closed account. Logging in, I saw that there was a XXXX charge, on which I had incurred penalties. I quickly paid this XXXX fee and called Wells Fargo XXXX 

After explaining the situation, they said they would investigate. I called numerous times between XX/XX/XXXX and XX/XX/XXXX to try to resolve these credit hits, but I have had no luck. I have not even gotten a reply or a callback. 

This was an event where I was informed an account was closed when it was not. A {$30.00} charge on an account I was told was closed and paid, has ruined what was otherwise perfect credit.
Consumer complaint received 2023-11-05
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. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly