davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the XXXX! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the pandemic! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX  late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.
Consumer complaint received 2023-08-15
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. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

Complaint against Goldman Sachs, Marcus Savings Account : I am a customer of the aforementioned bank. My savings account was locked XX/XX/2023. I was not notified of my account lock, I noticed when attempting to log in. I called the bank at XXXX XXXX XXXX XXXX XXXXXXXX and was told my account was locked and was under review. I called on XX/XX/2023 and was told an affidavit of identity would be sent to verify my identity. I received the affidavit, had it notarized for {$15.00}, and shipped the envelope on XX/XX/2023. The bank office in XXXX XXXX XXXX, UT, US received the affidavit on XX/XX/2023, received by " XXXX. '' I called Goldman Sachs at the same number on XX/XX/2023 because my account continues to be locked. I was told I must wait 2-3 business days for the bank to review my account and that I could call back XX/XX/2023. My general complaints : - Savings account has been locked for over 2 weeks. I can not receive paychecks, transfer funds, or access my account. - No notification was given of locked account. - No reason was given at any time for locked account. - I verified my identity by name, special word, birthdate, and last four of my social security number and my account has not been unlocked. - I verified my identity by notarized affidavit and my account has not been unlocked. - Customer service gives me a 3+ business day time frame to call back every time I call. I need access to my savings funds and would like to close my account with Goldman Sachs, but I can not access my funds.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I've been interacting with XXXX XXXX regarding a closed account. It seems that every time I try to make any calls to XXXX XXXX regarding one of their products, I keep getting transferred to different departments. The calls are very annoying and it has caused some issues with my credit cards and credit score. Recently, it appears that they reported some information to Experian regarding the closed account on my credit card. Apparently, they reported that I had agreed to some sort of lump sum payment- which is incorrect.
Consumer complaint received 2022-10-24
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: EQUIFAX, 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 UCS 1681 1. XXXX XXXX XXXX  # XXXX Has violated my rights 2.US Dept. Of Education # XXXX has violated my rights XXXX. XXXX XXXX XXXX # XXXX violated my rights 15 U.S. Code 1681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge.

15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the XXXX! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.
Consumer complaint received 2022-01-31
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: GOLDMAN SACHS BANK USA (AL)

On XX/XX/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented. I made this dispute with and through Apple, they decided in my favor. The app then revoked my access to their content. Including but not limited to content, that I paid for. I tried to dispute this with my credit card company, but they passed me to Apple, and Apple said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution. The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.
Consumer complaint received 2023-01-05
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. (FL)

For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

I'm reaching out because I'm interested in filing a complaint against Experian, and possibly XXXX and XXXX, though Experian has caused the most issues. As an XXXX  individual, I legally changed my name in XXXX. Despite notifying the relevant institutions and being assured of updated records, I discovered in XX/XX/XXXX, after buying a new car, that none of the credit bureaus had updated my legal name. I successfully updated my information with XXXX, improving my credit score thanks to merging my credit histories under both names. However, I've had no response from XXXX due to their reliance on physical mail. 

My main concern is with XXXX, which I believe is discriminating against me. They required documents that disclosed my XXXX  status. After following all their instructions, Experian opened multiple disputes without explanation, causing my credit score to drop by XXXX points. Despite multiple inquiries, neither Experian nor FICO provided an explanation, hinting at a possible 'split file ' issue. Further attempts to resolve this with Experian led to a referral to XXXX XXXX, ' which demanded payment for services to fix Experian 's mistake, refusing to acknowledge or rectify their error without cost.

This situation has caused me significant financial and emotional distress. Name changes are common for many reasons, and there's no excuse for the negative impact I've experienced. Given the circumstances and Experian 's refusal to assist or explain their actions, I believe I'm facing discrimination as an XXXX person. 

I would appreciate any advice on how to proceed with filing a formal complaint, case, or lawsuit against Experian to address the financial damage and emotional distress caused by their negligence and refusal to correct their error. I've tried to follow Experian 's instructions accurately and feel I shouldn't be suffering due to their oversight, exacerbated by my XXXX identity.
Consumer complaint received 2023-04-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (GA)

I just received notice of this medical bill this year and this bill was dated XX/XX/2019 and I had insurance and never received a bill contact my insurance and was told it has reached the statue of limitations because they should have filed it on my insurance do the debt can't be paid and why they wait 4 years to put it into collections and I never received a bill for this debt in XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MS)

My card is locked so Im receiving alerts when people try to get money or use my credit. My cards are being replaced with prepaid ones so that a fraudulent person can use my account to get lower mortgages and vehicles. It leaves me in a bind and every time I go to use my hard earned money and credit I can not because of lazy pathetic fraudulent individuals want what I have. Someone is receiving Benifits, loans, also commuting felonys using my identity.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by XXXX. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as XXXX and the previous debts listed above that the credit reporting agencies have not bothered to do.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (TX)

Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof nut they just ignored me.
Consumer complaint received 2023-05-16
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. (IL)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Item is also listed twice on my credit report. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX will has not returned my {$200.00} security deposit, after closing my account, which happens to be paid as agreed. And paid early every month. 
They will no acknowledge anything, other than snide remarks upon my credit files.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MI)

Affirm was created fraudulently in my name. I provided them proof of a police report & they refuse to remove it from my credit report. There is several accounts that were opened and none of these were opened by me. They are fraud!
Consumer complaint received 2023-08-15
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. (FL)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

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 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX XXXX15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose