davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
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. (MO)

I am writing to formally express my dissatisfaction with the outcome of my second attempt to remove charge-off accounts from my credit report. Despite providing comprehensive documentation and following the appropriate dispute procedures, the charge-off accounts remain on my credit report, negatively impacting my creditworthiness. 

I am concerned that despite my diligent efforts to address and rectify this issue, the charge-off accounts persist on my credit report. This situation has significant implications for my financial well-being, making it imperative to resolve this matter promptly. 

I kindly request the following actions : A thorough and immediate reevaluation of the documentation provided in support of the dispute. 
Removal of the inaccuracies associated with the charge-off accounts from my credit file. 
Clear communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

An automatic payment was set up in XXXX for an amount of {$1700.00} on a XXXX credit card. The first automatic payment was scheduled for XX/XX/2022. On XX/XX/2022 I noticed that the amount had still not been withdrawn from my checking account. No notice ( via e-mail or push notification ) of payment failure or payment due was received on or after the due date. Signing in to my account I find that the autopay had not only not occurred but had been entirely erased. The option to set up automatic payments was gone entirely and I had been charged a {$29.00} late fee for their negligence.
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. (UT)

I am making this complaint myself as a human being not a third party please dont close this complaint. The credit reporting agencies failed to do their ob and remove identity theft from my credit report. i sent in an ftc report my id a letter explaining what happened and what to do but they didnt do anything.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

Complaint number XXXX. I previously submitted a CFPB complaint on XX/XX/22 and I have not gotten any correspondence back from Experian as it pertains to the investigation results. This causing me to suffer financially as I am not able to get financing and or favorable interest rates. This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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 2024-10-12
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. (CA)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year>, a Capital One Credit Card was opened fraudulently with my Social Security Number. I was notified by XXXX and I confirmed on XX/XX/year> that the account was opened with my Social Security Number. I have attempted to work with Capital One regarding this issue but they have advised me that they cant and wont remove my Social Security Number from the account. I sent Capital One documents as well that prove my Social Security Number is mine and I sent them a copy of my ID as well. I sent this information to Capital One to help aid an investigation on their end. I also sent the credit bureaus 3 letters advising that my Social Security Number is being used in a fraudulent and unauthorized manner. I am requesting a thorough investigation into this matter as Capital One is allowing an account to stay opened with my Social Security Number and have confirmed that they will not investigate or open a fraud complaint regarding this event.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX : I applied for a CHASE SAPPHIRE XXXX XXXX Credit Card. I was told my application would be reviewed. 

XX/XX/XXXX : I successfully open a XXXX high yield savings account XX/XX/XXXX : I attempt to connect my bank ( XXXX doesnt take my bank. doesnt tell me this though! ) instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 

XX/XX/XXXX XXXX XXXX : I call XXXX. They half remedy the issue by unlocking my account, I thought everything was fine. 

XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently XXXX sent XXXX some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because XXXX 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 

XXXX I fill out my sensitive info for XXXX, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of XXXX, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, just XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 

XXXX I call XXXX back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules Discover can not do ANYTHING FOR ME~! I have to reach out to XXXX. He was upset as well, he didn't even know this could happen. 

XXXX filing this complaint. Will bring lawyers into the situation if needed. 

XX/XX/XXXX XXXX SAME DAY : I open my mail to find letter below stating inaccurate info : that my application was not approved because " A prior credit card or deposit account was closed by Chase '' Reference Number : XXXX I have never had a credit card or deposit account with chase. 

XXXX : I call chase - the workers on the phone don't even have record of that being the reason, furthermore they of course have no record of me having a prior credit card or deposit account with chase. They accuse me of having a fake letter MULTIPLE times despite the date and reference number being correct ( truly how ), the federal equal oppourtunity act notice on the back and all. They recommend I go into a physical branch because this is all they can do.
Consumer complaint received 2022-12-09
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: Sequium Asset Solutions, LLC (PA)

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 U.S.C 1681 :. SEQUIUM XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

XX/XX/2023 Attention : Square XXXX Department & Customer Service : Square has misappropriated over {$20000.00} in my funds by locking my account XXXX and then refusing to further engage with me via my account service contact ( likely because it has been using a bot to respond rather than a person ). This is severely damaging my business, which relies upon access to those funds. Those funds are held in trust, and Square is both in breach of its contract and has committed unjust enrichment, as well as a failure to meet the duty of good faith and fair dealing. 

I am continuing to try and resolve this in good faith and through direct communication. Please have an account representative correct this matter promptly and restore my access. If an account representative is unable to act, please forward this to your legal department, as they should, at a minimum, recognize the wrongful conduct committed by Square and act promptly to avoid legal costs. 

My professional photography business, XXXX XXXX XXXX XXXX, operates seasonally. My business is licensed by the XXXX XXXX XXXX. I have been utilizing Square to receive payments for my photography services, and Square held a substantial balance of my funds as of XX/XX/2023. Without making any attempt to contact me about any concerns, Square suddenly deactivated my account. Square then claimed it did so because my account could not be verified, and refused to further engage with me. All while keeping all of my funds. This is significantly impacting my ability to operate my business and to pay contractors for their services. 

Either this is a simple mistake that has not been brought to the attention of the right people, or a deliberate policy of theft. Based on a cursory review of online complaints, many others have been forced to deal with the same issue. If this is a deliberate policy action, it may be that a class action is the only recourse to obtaining justice for both myself and to ensure that others like me dont have to suffer the same issue. But I do hope this is just an oversight and not a policy issue, and that it is resolved promptly and fairly once this notice has your attention. 

Please release the amount of {$20000.00} from my account. You may contact me at XXXX or by phone at XXXX. This is my final attempt to resolve this through direct discussion. I hope you act accordingly. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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.

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 informationisinaccurate.
Consumer complaint received 2022-08-21
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. (AL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/23 I talked to my banker at Regions Bank and was showed that someone with XXXX, Texas address had taken over my checking and savings accounts unauthorized and took approximately XXXX out my accounts. My banker closed all my accounts immediately and opened me a new account
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: EQUIFAX, 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 1. XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. XXXX And XXXX - Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
3. XXXX - Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank of America has opened fraudulent checking accounts in my name and then allowed the individual to immediately change the contact information on the account. Every time I have told Bank of America that I want them to put an alert out that I want NO account opened in my name with my social with their company period. Every time they have told me to put a freeze on the XXXX XXXX to avoid this, which I DID do after the first time and they are still opening these fraudulent accounts. I have contacted XXXXXXXX XXXX  and have a full report and confirmation that Bank of America NEVER ran the account through the XXXX XXXX before opening the account, which would have avoided this situation the 2nd and 3rd time this has happened. 

I have had to put significant personal effort into getting these reports and closing these accounts every single time they do it and there is no sign they will stop. These fraudulent accounts have some kind of activity of them, which they will not show me and I do not have access to see. This is extremely frustrating that a bank that large would seemingly assist fraudsters.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), c
onsumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX I am writing to dispute the following inaccurate information on my credit report. I have reviewed my credit report and found that the information listed below is incorrect. Please investigate this matter and remove or correct the erroneous information. 

This account does not belong to me, or this account has been paid off but is showing as delinquent. 

I kindly request that you investigate this matter and remove or correct the inaccurate information. Please notify me of the results of your investigation as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is found to be inaccurate, incomplete, or unverifiable. I also request that you send me an updated copy of my credit report once your investigation is complete. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Balance should be XXXX as it was charged off. 
Company continues to report charge off every single month. Be doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit XXXX as a new charge off every single month and lowers my score compounded every month.