davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For over 34 days, B of As frauds dept has linked my mobile banking app. I had been sacked some time ago but they need not do this every day. They will not verify my account, keep telling me to go into a bank. Ive done so 3 times, the last time walking XXXX miles in a XXXX XXXX 

I changed my phone number 30 days ago but B of A still has not corrected it. Ive never seen such poor customer service in my life. My number is NOW ( XXXX ) XXXX but they have something else. I went inside and the lady did not understand me. My atm card works fine but their XXXX mobile banking app doesnt. 

I need this fixed immediately. It wont let me change my password, just keeps looping to the same questions, last XXXX digits of my atm card and my social then I press continue and it does it again. I did it XXXX times once. Look at the transactions and youll see.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX advertisement on their website says I could get a {$200.00} ( XXXX XXXX XXXX  ) statement credit if I open a credit card, get approved and purchase a XXXX ticket with them and pay with the credit card, all was done, when I contacted the XXXX customer service, they said I should see the credit on the 3rd statement, Ive using the card for 6 months and never got the credit, called them many times and they keep pushing me around to different people, its matter of honor what they promised, thats all I wanted
Consumer complaint received 2024-04-02
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  Account 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.
Consumer complaint received 2023-06-19
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: CITIBANK, N.A. (TX)

I have evidence to support my dispute and the credit card company refuses to supply me their mailing address so they can reconsider my disputed charges. This is a viloation of my due process rights to obtain a fair resolution. This credit card company is also using an automated dispute filter which is flawed and I urge the CFPB to investigate their use of automation to handle dispute resolutions.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This account has been getting reported as delinquent for XXXX years and XXXX continues to validate the account with contradicting documentation. 
I have attached XXXX letters by XXXX, XXXX where it says the balance on the account after the closing date was {$0.00} because a security was applied, and XXXX saying that the debt was cancelled. Yet this account is still being reported as delinquent. 

I have submitted complaints about XXXX multiple times throughout the years, yet nothing has been done.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, 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. (AZ)

Around 10 years ago I became deliquescent on multiple credit card accounts. So of course they appeared on my credit report. 
Fast forward to 2020, now when I checked my credit report ( all three ) there is no record of any of the delinquent accounts. I have paid 3 of them off and there is no record. 
I am making a compliant about Experian, I have contacted this company multiple time trying to correct the information that they have on my report. I have tried to contact them on the phone but I can't seem to get a hold of a live agent. 
I have sent them my dispute information and documentation to prove who I am and the correct information. All they keep doing is sending me the same report back. 
I informed them that they have very old information about me. They have incorrect information about me ( address, spouse name, social security number, and miss information. ) I still have not been contacted nor have they corrected this information. I have been trying now for 2 years to resolve this issue and I still can't seem to get a hold of them. 
I was involved in a data breach with XXXX and XXXX has no information about any of my credit card debt or my hard work in paying them off. This is important because it affects my credit score. I even received correspondence from Experian saying that I no longer have a credit score. I am so very confused with all of this. And it is a very big issues since most companies and employers rely on the 3 credit bureaus for information. I don't know what to do.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contacted XXXX XXXX XXXX a lot of time but recently on XXXX XXXX when I noticed unauthorized charges from my checking account to my credit account. In XX/XX/XXXX, I agreed to a home warranty with XXXX XXXX XXXX ( XXXX ) for $ XXXX or $ XXXX. Despite paying for XXXX months, when I filed claims for appliances and XXXX services, XXXX  charged me {$XXXX} ( {$XXXX} per claim ). 

They never fixed anything and denied my claims repeatedly while still charging my credit card. Even after cancelling my account, XXXX continued charging under different names and increased amounts. I requested cancellation and a refund but received no response. Despite disputing payments with my bank, I only received partial refunds. XXXX XXXX XXXX 's fault department closed my case without properly investigating my evidence. I've tried to stop automatic payments, but the bank keeps deducting money, leading to fees and late charges. 

On my XXXX ending in XXXX, I turned off auto payments after a {$XXXX} deduction on XX/XX/XXXX. However, on XX/XX/XXXX, the bank again deducted {$XXXX}, claiming it was for interest and fees, then closed the account. Yet, I still owe {$XXXX}. When I called customer service, they kept transferring me without understanding my issue or providing assistance, they said I am waiting they contacted to supervise but after that disconnected phone call, the bank did it several time, it is so bad, because they automatic got my money paid to credit, the credit I am not used. 

On credit account # XXXX, I paid {$XXXX} to the XXXX XXXX XXXX years ago, but they didn't do any work and didn't refund my deposit. Despite numerous attempts to resolve this with the bank, they haven't been helpful, and now my credit card is in collections. I've explained the situation to them, but they insist I owe the money. I've tried to work with the fraud department, but they haven't acknowledged my evidence. XXXX XXXX XXXX reduced my credit limit to {$XXXX}, negatively impacting my credit score, and currently they look all my credit card. 

I hope this complains XXXX XXXX XXXX, the CFPB can assist me in resolving these issues.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contacted Bank of America a lot of time but recently on XXXX XXXX when I noticed unauthorized charges from my checking account to my credit account. In XX/XX/XXXX, I agreed to a home warranty with XXXX XXXX XXXX ( XXXX ) for $ XXXX or $ XXXX. Despite paying for XXXX months, when I filed claims for appliances and HVAC services, XXXX  charged me {$XXXX} ( {$XXXX0} per claim ). 

They never fixed anything and denied my claims repeatedly while still charging my credit card. Even after cancelling my account, XXXX continued charging under different names and increased amounts. I requested cancellation and a refund but received no response. Despite disputing payments with my bank, I only received partial refunds. Bank of America 's fault department closed my case without properly investigating my evidence. I've tried to stop automatic payments, but the bank keeps deducting money, leading to fees and late charges. 

On my XXXX ending in XXXX, I turned off auto payments after a {$XXXX} deduction on XX/XX/XXXX. However, on XX/XX/XXXX, the bank again deducted {$XXXX}, claiming it was for interest and fees, then closed the account. Yet, I still owe {$XXXX. When I called customer service, they kept transferring me without understanding my issue or providing assistance, they said I am waiting they contacted to supervise but after that disconnected phone call, the bank did it several time, it is so bad, because they automatic got my money paid to credit, the credit I am not used. 

On credit account # XXXX, I paid {$XXXX} to the XXXX XXXX two years ago, but they didn't do any work and didn't refund my deposit. Despite numerous attempts to resolve this with the bank, they haven't been helpful, and now my credit card is in collections. I've explained the situation to them, but they insist I owe the money. I've tried to work with the fraud department, but they haven't acknowledged my evidence. Bank of America reduced my credit limit to {$XXXX}, negatively impacting my credit score, and currently they look all my credit card. 

I hope this complains Bank Of America, the CFPB can assist me in resolving these issues.
Consumer complaint received 2024-04-03
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (KY)

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 2024-01-04
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

On XX/XX/, I paid my account in full. Customer Service notified me that we would need to cancel my scheduled payment for XXXX, so that I could instead submit a payment for the full payoff amount. Customer service took my payment over the phone by visa debit card. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX ( XXXX ) confirming the account was paid in full. I received the title with release of lien dated XX/XX/XXXX. Despite being paid in full, when checking my credit report, the account showed as delinquent for XXXX, and showed an unpaid balance with the credit bureaus. I called XXXX several times, and filed disputes with the credit bureaus. The credit bureaus provided the copy of the title and the letter as part of the dispute, submitted the dispute to XXXX who subsequently rejected the dispute. I called XXXX again, and was then promised by their escalation team that it would be removed from the credit report on XX/XX/XXXX. We are now the XXXX of XXXX and not only has the XXXX delinquency not been removed, but now XXXX is reporting another delinquency for the month of XXXX. I made an additional attempt to resolve this with XXXX today by phone. They continue to state theyve already escalated this internally, and yet nothing has been done to this date to resolve it. This is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (NY)

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX I WAS NEVER HAS LATE PAYMENTS
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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 had a XXXX so I was looking to get a house as well as loan and i saw i had damages on my credit report. I have numerous unauthorized charges and I have tried to get these issue resolved as they are affecting me. I am a single mom and this is hurting me big time I am not able to accomplish anything because my credit report has so many damages. According to the 15 U.S.C 1681 law there should not be any damages on my credit report as a defamation to my character
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (WA)

For the past three months, I've experienced an unimaginable hardship due to a series of inexcusable errors on the part of Direct Express. My Social Security benefits, which are essential to my survival, were inexplicably suspended due to alleged fraudulent activity on my account. Despite submitting my ID and Social Security card multiple times, including with the assistance of my social worker, Direct Express repeatedly rejected them as invalid for frivolous reasons like being XXXXXXXX XXXX XXXX or requiring a digtial camera. 

This bureaucratic nightmare resulted in me nearly losing my housing and facing severe physical and mental anguish. I was forced to endure extreme hunger and exhaustion, scraping together whatever resources I could to survive while recovering from a serious car accident. This situation has caused me immense emotional distress and financial hardship. 

Direct Express 's utter lack of transparency and disregard for my basic needs is deeply disturbing. They failed to communicate the issue effectively, even to Social Security representatives, and offered no explanation for the delays. This callous behavior has left me feeling vulnerable and helpless. 

I am currently pursuing legal counsel to address this outrageous situation. Direct Express must be held accountable for their negligence and the suffering they have inflicted upon me. I urge them to immediately release my withheld benefits and provide a comprehensive explanation for their actions. 

Additionally, I demand compensation for the pain and suffering I have endured as a direct result of Direct Express 's incompetence. Their actions have caused me significant physical, emotional, and financial harm, and they must be held responsible for their egregious misconduct. 

I trust that you will take my situation seriously and assist me in seeking justice.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (NY)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX