davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NY)

I've had at least 6 phone calls with Goldman to resolve this issue. First phone call in mid-XXXX  was to inquire about my XXXX balance as the statement shown didn't add up. 

A case was opened as person I spoke with couldnt explain it. I called twice to check on case progress as my payment was coming due. It took 3 weeks for me to receive an incomplete response in XXXX to my original inquiry. While waiting for this response my payment was coming due. I called to inquire on progress and explicitly asked how to handle the upcoming payment and was told that because I had disputed the balance, I would not be charged interest. 

In fact, I was charged interest and the card company is refusing to refund all the interest charges. This is my first ever partial payment and I want to be clear, I made a partial payment under the companys representation to me that interest would not be charged. If the associate made a mistake in providing this guidance, it is not on me and I shouldnt have to pay. 

To add, it took an additional 3 people, each at a higher level, and over 2 hours on the phone to finally explain my balance discrepancy. In fact, during my 6th call, the manager that called me almost gave up and wanted to create a case to be reviewed. Goldmans obscure accounting of my activity and balances led to several different explanations as to the discrepancy in my purchase activity and total balance due. At one point telling me that the extra balance due was due to incomplete XXXX payment when I had it on autopay for full amount and was told the reason interest was not charged in XXXX was due to some weird accounting done by Goldman. Turns out that was not the case, but again, it took an additional phone call and an extra hour to resolve the mystery. 

I took every action to ensure I would pay my balance on time. I called Goldman several times to get an explanation of the balance due, I called to inquire about case status before payment was due, and I explicitly asked how to handle the upcoming payment and was told that because it was in dispute, no charges would accrue if I didnt make payment. Luckily, I did pay the majority of the balance on time. I didnt pay the amount I could not understand, and no one could explain to me in a timely manner, why it was being charged. Goldmans inability to explain its own statements and the incorrect information provided to me can not possibly be my problem to pay for.
Consumer complaint received 2023-10-06
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: Cascade CISS Holdings, LLC (OH)

I was shopping for Mortgage and auto loan. All of a sudden I get all this inquiries more than XXXX inquiries which has affected my credit. At this moment my loan cant be approved if they are not removed. Without this loan I will lose it all.
Consumer complaint received 2023-12-23
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-12-23
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. (NY)

In accordance with the Fair Credit Reporting act 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

Im a person of identity theft. So Chase told me to reopen a new account. Which I did. I needed money because I needed to pay my taxes due to my other bank waiting a few days to give me a provisional credit so my boyfriend signed over his payroll check over and I mobile deposited it. On XX/XX/2025 we went inside the bank to deposit the check in person because the fraud department said they needed proof of my boyfriend. So he came with me with his id and the check and everything, the teller said that we could deposit the check and we showed proof then noticed my account was still restricted. The banker called the fraud department and told them that we couldnt unrestricted the account even with proof of my bf there because he needed a verified phone number. Both of our numbers are under our names. I called my carrier XXXX  times and they told me they dont put names in public records and doesnt know what Chase is talking about. I called Chase so many times. And the fraud department gave me so many different answers. The run around. We even got a us cellular phone put under his name and it still wasnt good enough, they wont release our funds and they closed my account and took the money. XXXX banker even said after the account is closed I could go to the bank and receive a the check, the supervisor of the fraud department said that wasnt possible still due to a unverified phone number. Which I have all the receipts that the numbers are under our names and deposit receipts. Smh. They basically took our money and wont release our funds! Ive been with Chase for XXXX years! I cant even see my closed account. Its gone from my online portal and my savings is next to be closed. Im so XXXX!
Consumer complaint received 2023-09-05
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (NY)

My XXXX Wells Fargo card is used for rent and apple only but it keeps getting fraudulent charges. This has happened multiple times over a year timespan. 

This card is only used for rent and XXXX. However, fraud keeps happening. Reading other reviews online shows that there is a clear data leak. 

Additionally, some agents ask for sensitive information that seems unnecessary over the phone, while others do not ask for the same amount of detail. It is concerning that different agents would require different amounts of verification. Details requested when calling in : 1. Security code 2. address 3. last 4 of card 4. last 4 of SSN 5. Mother maiden name
Consumer complaint received 2024-05-02
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Nelnet, Inc. (FL)

the XXXX XXXX XXXXXXXX relied on deceptive advertising to attract students, falsely claiming to work with employers such as XXXX, XXXX, XXXX, and XXXX to create job opportunities for XXXX XXXX XXXXXXXX students and tailoring its curriculum for the job needs of such companies.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

on XX/XX/22 I called capital one requesting a credit for all the late fees applied to my account in order to bring my balance up to date ; they said they were only doing one time courtesy fee waiver of {$40.00} but they couldnt do anything else. 
consequently in order to avoid continuing getting {$40.00} late fee and increase my debt with capital one I decided to make a loan to pay the card in full. 
on XX/XX/22 I called capital one once again, requested to speak to a supervisor directly to request once again a total of {$130.00} credit back to my account ( all late fees ) in order to pay what was fair and pay the credit card in full to avoid any further charges and pay more money in addition to interest and my debt. Once again I was denied the credit, i asked the total balance to pay the card in full in order to avoid more surprises on fees ; the same night i made a loan for the exact amount she told me in order to pay it which I did first thing on XX/XX/22 after several days on XX/XX/22 i realized there was a balance of {$32.00} so i called capital one, requested to speak to a supervisor to inquire about the balance and she said the balance was the interest accurate for the amount that was due when i paid the card in full. i requested for her to look at the notes of my previous call on XX/XX/22 when i specifically called about paying the card in full to avoid more surprises and extra fees ; she said there were no notes about that call. after requesting to speak her supervisor to listen to that particular call on XX/XX/22 she said that there were no one else above her, that it was not possible to hear the call and she was taking the formal complaint but there was no one else that could do anything about it. she even said that theres a special statement they must read to customer when making a payment in full ( pay off the card ) which i specifically told her that the supervisor that i talked on XX/XX/22 didnt mention or said anything about it therefore it was important to listen to my conversation with her because she didnt say anything about any possible additional fees. 
after several requests with the supervisor to listen the conversation and transfer the call to someone else to file a complaint she said theres nothing else i can do and then the call was ended. 
i want capital one to listen to my conversation with the supervisor on XX/XX/22 and the second supervisor i talked early on XXXX after charges applied on my account and also want the credit of {$32.00} for my balance to show {$0.00}
Consumer complaint received 2023-09-05
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. (MN)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-23
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. 

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 2023-06-12
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: EQUIFAX, INC. (SC)

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-05
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. (VA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (DE)

I received a letter from this company stating that they were trying to collect a debt. I sent a letter to them via certified mail. It was sent XX/XX/year> and received by them, XX/XX/year>. I haven't gotten a response from them.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (GA)

During 2021 I was out of work due to Convid 19. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My XXXX also turn me over to collection.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-10-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.
Consumer complaint received 2023-05-05
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: WELLS FARGO & COMPANY (CA)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (SC)

Every month they increase the debt by XXXX and report it as increase in debt. Its from XX/XX/2020 I have no idea what its even from of if its mine but its XXXX so idk what the extra charges are except a way to continue reporting me to hurt my credit.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I have recently discovered that I have been a victim of Identity theft in which such person [ s ] used my credit multiple times over the years under the radar, until now. It wasnt very much money at first, thats probably why it was never noticed, but here recently I have been trying to purchase a home, so I started looking at my credit report more closely. In XX/XX/XXXX, I discovered that the following Accounts have been opened Fraudulently, or by other means unknown. ( XXXX ) XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX  {$7400.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX XXXX XXXX XXXX {$5700.00} Acct # XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX XXXX XXXX {$6700.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX {$1200.00} Acct # XXXX. ( XXXX ) XXXX XXXX  XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX {$0.00} Acct # XXXX. These are the 9 accounts from Transunion that correspond with the Federal Identity Theft Report! Transunion performed another one of their FAKE Investigations - forcing myself to have to file this complaint for a second and maybe even a third time, but if Transunion does Not Delete these accounts as requested, I am prepared to file it as a civil suit in The Federal Court System. Ill gladly accept a large sum of cash for my civil rights being violated via FCRA ( 15 U.S.C. 1681 ).