davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: 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 (TX)

Gift card keeps declining online purchases. I called Amex and they said it was for my " protection '' and said I should purchase in store. Some stores I would like to purchase from do not have XXXX XXXX XXXX locations. It is {$500.00} gift gard that is somehow useless at this point.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federa

lly protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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 XXXX XXXX XXXX. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF ED/XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-10
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX ; has violated my rights. 

15U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C. 1681 c. ( 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 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 2024-01-21
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: EQUIFAX, INC. (OH)

I am a XXXX XXXX and I notice there's are items on my credit report that are the result of XXXX  and I can not view my Equifax credit report because Equifax is blocking my report and not allowing me to view or upload my XXXX XXXX documentation
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureaus.

Initial attempt to open the account was made, but I encountered an issue with the process.

Contacted customer service and was informed that the issue would be resolved promptly.

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed.

Another attempt to open the account was made, yet the issue persisted.

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently.

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable.

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved.

Compensation for the inconvenience caused during this period.

I appreciate your prompt attention to this matter and expect a resolution withinthe specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (OR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NC)

I have contacted XXXX, XXXX, XXXX and Best Buy/CBNA about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to best buy and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXX XXXX. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of 1974 has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Consumer complaint received 2023-08-21
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. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I found a charge on my debit card for {$150.00} It said XXXX XXXX ( deleted ) XXXX I called the Bank and submitted a fraud report. 
I found out the money was received by a XXXX XXXX XXXX 65 miles east in XXXX Ca. The bank suggested I call them, the bank gave me their number, they were closed. 
They have no branch in XXXX XXXX. They have a bad reputation in their industry. 
Citi bank credited my account then sent me a letter saying I was responsible as the card and PIN were present at transaction! They took my {$150.00} out of my account which caused me to be overdrawn, I took care of that depositing more money. I went to my branch and asked for help. We ( a very nice teller and assistant branch manager at the end ) spent close to two hours with their fraud department, rude and not caring. Supervisor wouldnt budge, I have no business with any home health care at all. I was in XXXX XXXX and XXXX all day including an oil change at ( name available ) I asked if the had contacted The recipients of my money in XXXX? 
She ( the supervisor ) said no to which I asked what was your investigation comprised of? She would not allow us to talk to back office where decision was made, they dont take calls. 

I was shocked, it is very plain to see this was NOT in my Spending Pattern they didnt bother to do anything to investigate, these people could be an organized fraud ring, Im not in the capacity to do an investigation myself, it could be dangerous. 
Some how, my Card was compromised and they got my PIN. The tire place did have my card out of my sight. Thats the only theory I have. 
They ( fraud department ) would not listen to my very sound reasoning. The branch was great but unable to help, assistant branch manager said wait a few days to get your money redeposited. I have heard Nothing from them since. The first investigation I was getting frequent messages ( emails ) with updates. 
Now nothing. It is obviously a fraud ring of some sort and they do not care. Other people are being victimized Im sure. Citi bank fraud department does not care. Small potatoes to them but stiff the customer fraud victim ( me ) with the obvious theft. 

The Fraud department is lazy and ineffective. 
Citi Bank should be ashamed. 

Please let me know any other info that is needed.
Consumer complaint received 2023-09-14
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (NM)

I used National Debt Relief to help me in my debt situation. They instructed me to stop paying on my credit cards and that they would be taking care of the rest and all I had to do was pay them back. Fast forward about 3 months and XXXX is discussing suing me because of lack of payment. I told XXXX that national debt relief was supposed to pay them off and turns out national debt relief never even contacted them, causing my credit to plumet. I take credit seriously, and I was not expecting this at all. Now my credit is blemished because of National Debt relief not making payments. I would like these missed payments removed from my credit score, as if I had known payments weren't being made I would have made them myself.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX spoke to a representative from XXXX to confirm that a Bankruptcy XXXX that was reporting my credit report has been removed from their data base. They said that XX/XX/24 # XXXX was removed from XXXX and # XXXX was removed from Experian. These bureaus are still reporting a Bankruptcy!! This is a FCRA violation and must be removed.
Consumer complaint received 2024-04-10
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. (NV)

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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-12-26
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction.

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

XX/XX/year> I was sent three seperate transactions to my bank debit ending in XXXX for {$600.00}, {$900.00}, {$1500.00} only problem was that card has been inactive for XXXX years. Cash app states they sent the money in thats that, there not trying to help me locate the money. My bank in cash app was on a phone call in they still proceeded to not give us any help which leaves me at a dead end. Cash app stated in a email that this a issue between them in my bank but they still are not helping
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (MA)

Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report. According to the report there is a late payment recorded for account : BRIDGECREST FORMERLY XXXXXXXX XXXX XXXXXXXX Dates : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I request that you update my record for dates mentioned to ok or payed as agreed for the following reasons : 15 U.S. Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information.

1. Prohibition a ) reporting information with actual knowledge of errors.

15 USC 1681a 2 ( A ) ( i ) -exclusions- except as provided ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the payment. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (LA)

This company, Diversified Adjustments, states I owe $ XXXX, which I only found out recently when I saw my credit report. Apparently they've had this account, according to them, for 3 yrs, 8 months. I have never received calls or letters from them that I owe this. I tried to dispute this on my credit report but was unsuccessful. Upon calling Diversified Adjustment today, their primary objective was to get $ out of me instead of explain anything. I tried to explain that XXXX was paid off 100 % when I switched to XXXX XXXX XXXX and was interrupted. I can not work with them at all so I'm writing to you. 

I was told that instead of $ XXXX, they would settle for {$43.00} and take the negative entry off my credit report, which I know is not true. They do not take negative entries off reports.
Consumer complaint received 2024-06-09
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. (NY)

I am initiating a report to contest and look into these incorrectly listed accounts on my credit file. Per the Fair Credit Report Act, I am entitled to {$1000.00} for each error. According to FCRA 605B, we must report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

In XX/XX/2024 we noticed on our statement that a XXXX fee was applied despite our payment being sent. On XX/XX/2024 we called and spoke to XXXX. She advised us that we were not advised that our payment went up because of escrow balances. She apologized and told us to pay XXXX for the make up of the escrow amount and she would waive the fees. We did that. Sadly, they told us we would have to call back to make sure they did what they said they would do. 

So ... .on XX/XX/2024 we called back. Spoke to XXXX. Still have fees that were not waived despite the call on XX/XX/2024. XXXX was going to submit to the supervisor to have the fee waived so we would need to call back. I also asked her if this was impacting my credit bureau and she said I had to check that myself. Interesting that an error they have made requires me to find out the harm. 

Fast forward to getting a new statement and seeing that for the 3rd time the fees still have not been addressed. Called again, said we paid late ( we did not ) and that the fee was not waived. Asked for the escalation unit After a hold period I was told... .the escalation department is not available. So XXXX would put in a request to have the fee waived, with my permission. Yep had to give her permission to address their error ( for the 3rd time ). 

This is insane. I want all the fees waived and a conformation that was done without the need to keep calling back as well as confirmation that they did not negatively impact my CBR as a result of their errors.