davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

You are all scammers in this department. You live off people 's taxes! You support the fraud and deception of Bank of America! This XXXX bank they deceived me and indicated incorrect information in the credit report that I did not pay! I do not trust you in your department! You do not care about people like me, about all consumers! If you do not punish this fraudulent structure like Bank of America, for me it means that you yourselves are the same fraudsters. You can not be trusted! You just don't care and you don't care at all about ordinary people like me with my problems and complaints regarding such scumbags, outlaws, crooks and bandits from Bank of America. This financial structure deceives people and earns billions of dollars on such deceptions and fraudulent schemes, and your state structure covers it up! You work together, earn money together, these steal money, deceiving ordinary people and swindling hard-earned money from people, such a vile and disgusting structure as the Bank of America XXXX and your state department simply covers up these fraudulent actions! I don't believe you, you all fell flat on your faces! Fraudsters, thieves, crooks, cheaters, swindlers, bandits, scumbags from Bank of America! And I also don't trust your state department, your organization - because you do nothing, you support and approve of it, you support and allow it! Your state structure, you simply encourage this fraud, you pat them on the head!
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (NY)

As a consumer, I am writing to express my deep concern and frustration regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am absolutely appalled to discover that my privacy has been blatantly disregarded and my personal information has been mishandled without my consent. 
In accordance with the FCRA, I have discovered that XXXX. XXXX XXXX XXXX- Accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX. 
XXXX. XXXX And XXXX - Accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX. 
XXXX. XXXX - Accounts # # # # # # XXXX, # # # # # # XXXX. 
Have all violated my rights as a consumer. This is a serious matter that should not be taken lightly. My fundamental right to privacy has been breached, and my sensitive information has been exposed without my permission. This is a clear violation of 15 U.S.C. 1681 section 602 A, which explicitly states that I have a right to privacy.

Moreover, 15 U.S.C. 1681 section 604A section 2 clearly outlines that a consumer reporting agency can not furnish accounts without the written permission of the consumer. This means that these accounts should not have been reported without my explicit consent, and the fact that they were is a clear violation of the FCRA. 
In addition, the same accounts are being reported by different companies with balances, which is another violation that is extremely damaging to say the least. 
A Companies Policies and practices DO NOT override Federal Laws. 
I urge you to take this matter seriously and take immediate action to rectify the situation. My rights as a consumer should not be disregarded, and I expect to be treated with the respect and dignity that I deserve. This violation of my rights is unacceptable, and I expect a prompt and satisfactory resolution to this issue.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2022-06-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The account " XXXX '' XXXX is a fraudulent account so I disputed it with the bureaus XXXX and Experian multiple times. 

These bureaus claim they have verified the information is accurate, however one can see by looking at the reports this is not true as the " date opened '' information is conflicting. 

The " high balance '' is also conflicting The " date of last activity '' is also conflicting, so there is no way possible both bureaus verified the information as accurate. 

See a recent copy of my credit report reflecting these inaccuracies attached. 

To add insult to injury, I have submitted a copy of my identity theft report ( attached ) to these bureaus twice and they still report the erroneous fraudulent information.
Consumer complaint received 2022-07-20
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. (AZ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$300.00} 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 XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-16
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. (NJ)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent
Consumer complaint received 2023-05-06
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: Block, Inc. (FL)

I am a XXXX woman, i receive money from my husband to purchase household items i always use delivery services, i receive all my money from indiviuals who usually help us out. on yesterday XX/XX/XXXX my husband sent me {$100.00} to make household purchases as soon as i got ready to use the funds cash app took {$90.00} from me when i checked it stated that i had purchases from XXXX, now i knew i hadnt use XXXX in baout a mouth had no pending charges what so ever so i called XXXX, once as i proceeded to give them my info they asked me how did i pay i informed the woman whom name is XXXX that i made my purchase with my cash app card she stopped me and started reading me a statement that they had received from cash app stating that they had a glitch in they system in XXXX and the clients that had used they service were affected by this and if the called in to refer them to cash app support.si i called cash app support after being hung up on 3 times telling me i made the purchases to dispute with my bank, it had nothing to do with them the problem is ihave no bank account theres no bank affliated with my cash app account i only receive money from family and friends so on the 4th try i was able to speak to a male named XXXX and cash app he informed me that indeed there was a glitch and i needed to contact my bank, i explain to him that i had no bank he stated that cash app paid the merchant, that the merchant got paid and cash did not so it went back to my bank account and i should have received back in my account, so i stated again what bank because i have no bank account, you are my bank account so who got the money cause i would have notice extra money in my account and then he stated i need to escalate this to a manager because i dont know how to resolve this .I hada total of 3 charges that came out at the same time .for dates XX/XX/XXXX for {$45.00} another XXXX for {$36.00} and the last XXXX XX/XX/XXXX for {$8.00} now the bad part about this how i really know they were not honest XXXX of the purchases they took was a refund it was never even given back but on XXXX end it was a processed return, i dont have a job so this has really hurt me i been using cash for awhile and never experinced anything so cruel against your own customers i will continue to spread awareness about this and filed as many complaints i can i was also told that they were going to close my account if i proceeded with this the nerve, there is a class action suit someone is trying to file as we speak because so many people are going through this im not understanding how or why they can do this to people and nothing gets done, they are protected why are we not
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT name that should be deleted is XXXX, XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 



I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-07-04
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. (NY)

If Transunion dont remove this negative inaccurate accounts immediately We are going to arbitration XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (FL)

XXXX XXXX. Experian XXXX were all sent letters on XX/XX/2023 from me specifically asking that all old addresses improper collection information and information. I do believe if I were white Id get some type of help and wouldnt be ignored please check into this because my next steps involves the law
Consumer complaint received 2022-08-21
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. (NY)

I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX  XXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
I have disputed the wrongly added delinquency with Experian on XX/XX/XXXX ( the dispute receipt is attached ), and now I am still waiting for the reinvestigation result from Experian. I submit this dispute at CFPB to ensure that Experian will not be deceived by the fraudulent documents and claims from XXXX XXXX and will conduct thorough reinvestigations to correct the wrongly added delinquency in my credit report.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I have bought many prepaid gift cards from American Express ( over 30 in the last decade ). I never had an issue with them until recently when XXXX of the cards I tried to use had a {$0.00} and {$3.00} balance when they each should have had {$300.00}. Because they were bought over a year ago ( but not attempted to be used until recently ) the credit card company whose credit card I used to pay for the prepaid cards said they could not help me in filing a dispute. When I called the American Express gift card customer service, they told me they could not help. They said to contact the merchants where the cards were used. I told them that I could not do so because I did not make the purchases that drained these XXXX cards and so I dont know who the merchants are. All I know is that whoever stole the card numbers and made the fraudulent purchases did so online because I had the physical cards with me and had never lost them at any point. They said there is nothing they could do. I tried twice more to talk to XXXX other customer service agents in case someone perhaps with more customer service experience knew how to go about solving this fraud case but no one was helpful or even sympathetic. I dont understand how in good conscience American Express can say that it is my problem to try and fix this when they are the ones that sold me cards with compromised numbers that didnt deliver the amount that I had paid for fair and square. You can not pocket my money and then turn around and essentially tell me that you didnt do a good enough job to keep the product safe but that is somehow now my problem. It is not and it should never have been.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (KS)

Tried to activate an advertised service of Experian called " XXXX ''. Filled out the formage as asked until we got to connecting with my credit cards and bank. I entered " XXXX '' credit card, and my user name and password, next screen told me to answer a security question, which was " enter authentication code '' I did not have a link to get said code, nor was there a pop up showing a code, this screen locked my browser forcing me to close and re-engage with Experian. I searched the web site for information found none, I called and got a heavily accented CSI that had a hard time understanding my issue and kept repeating it back to me. After 10 minutes of this confusion I hung up, being a senior and with limited time remaining my life, spending time trying to resolve a problem they created with a person I had difficulty understanding was not worth it. The product " XXXX '' is a Joke advertised to create more credit problems for consumer 's.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Dolliemac, LLC dba Elite Document Management Solutions (TX)

I signed up with XXXX document managing solutions and had about {$2000.00}. Drafted from bank account with XXXX XXXX. They had my routing and bank account info. They stopped drafting when my bank account was compromised and I opened a new account. I have also changed my phone number to current ( XXXX XXXX ). Now that I have the time to address this issue, because since then I am being sued by three credit card companies and they havent done anything that is helping me. I am trying to get my money reimbursed cause all they really did was ruin my my credit, I cant seem to log in after numerous attempts and password resets. I have called the phone number XXXX XXXX XXXX numerous times and all get is a voicemail telling me to leave a message. I just want to close this sham and get my money back without the XXXX  or drama. My log in ID was XXXX.
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc (WA)

Hello, I have been able to contact someone at NCS back in XXXX of 2022. I have informed them that I would like to make an offer of settlement of already made payments. The person who has been in charge at NCS XXXX XXXX refused to share my request with the client XXXX XXXX XXXX. 
I then asked again why would he not share my email or request to settle with them. We have gone back and forth many times and he has refused to share my offer with his client and for whatever has said he would if I made an offer and when I told him I did, he says it is an acceptable. I then asked what is acceptable for the client XXXX XXXX XXXX and he keeps telling me to make an offer or a better offer. 
At this point I dont know if the client actually exists and he is refusing to take my offer to the client or there is no client and he is using a fake client. 
I then asked to speak with his boss and he has refused to provide that information as well and said he is the only person I will be dealing with and no one else. 
At this point I dont know what else to do. 
1- I made an offer per XXXX XXXX XXXX but he is refusing to take it to his client XXXX XXXX XXXX 
2- I asked him to ask his client what they think is a fair offer to close this settlement and he is refusing to provide that as well. 
3- I asked to communicate with the client and he has refused to provide that information. 
4- I asked to communicate with his superior since I dont believe he is being honest in his dealings, he has refused that as well.