davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (TN)

I opened an account online at regions bank on XX/XX/year>. 

They required a deposit of {$50.00} which was funded. 

I then went to the Bank the next day to get a bank letter but could only get a direct deposit form. ( XX/XX/XXXX ) On XX/XX/XXXX, I go to the Bank to see if I could get a temporary debit card. But was told my account was closed but neither the branch manager or their corporate customer service could give me a reason and kept telling me to call one or the other. ( Branch would tell me to call corp and corporate would tell me to call the branch ) I was then told on XX/XX/XXXX the account would be closed on the XXXX XXXX XXXX and a check would be issued and would arrive in 10-14 business day for the total of my initial deposit ( {$50.00} ) I followed up again around the XXXX and was told the check was issued but they could not give me any information.

I call again today XX/XX/year> and ask for the status and that I still have not received my funds. I called the branch who told me to call the corporate office and again the corporate office told me to call the branch.

I tried to conference in both the corporate office and branch on the same call and both disconnected.

I still have not received any documentation on my account being closed.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is an update to CFPB complaint # XXXX previously submitted on this matter. 

I am an XXXX  person currently staying in XXXX XXXX XXXX to receive medical treatment for several ongoing health conditions. Since my arrival in XXXX last year I have relied on my Capital One Venture Visa Card # XXXX XXXX XXXX XXXX to pay for my medical treatment and other expenses. This card expired on XX/XX/2023. Due to the upcoming card expiration, on XX/XX/2023 I requested that Capital One send me a replacement Venture Visa Card in XXXX. On XX/XX/2023 I received an email from Capital One stating that " a shiny new card is on the way '' and " should arrive by XX/XX/2023 '' ( see attached email ). Capital One further confirmed to me by phone that the replacement card was sent to me by XXXX XXXX. 

As of today XX/XX/2023 the replacement card has not been received. I have made multiple trips to the local XXXX office to inquire about this card. Each trip requires a lengthy transit time followed by standing outside in line under hot sun for an extended period. This is extremely difficult for me due to my ill health. XXXX has stated that no information can be provided about the card without a tracking number for the shipment. Despite multiple requests Capital One has refused to provide a tracking number for the card shipment. Capital One has also refused to respond to the pending CFPB complaint on this matter. 

At this point due to the actions and negligence of Capital One I have no active credit card and therefore am unable to pay my medical and other expenses in XXXX. As a result I am suffering from extreme inconvenience, hardship and emotional distress. 

Thank you very much for your prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-31
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. (CA)

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account.

While checking my credit report, I noticed accounts, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I also found fraudulent addresses, collections, and auto loans. 
FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FRAUDULENT AUTO LOANS XXXX XXXX XXXX Balance : {$6800.00} Balance updated : XXXX XXXX, XXXX Original balance : {$10000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease FRAUDULENT COLLECTIONS XXXX XXXX XXXX Balance : {$640.00} Balance updated : XX/XX/XXXX Original balance : {$640.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX FROUDULENT ACCOUNTS! 
XXXX XXXX XXXX XXXX Balance : {$9100.00} Balance updated : XX/XX/XXXX Credit limit : - Account number : XXXX Open/closed : Open Date opened : XXXX XXXX, XXXX Account type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$3000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit card XXXX XXXX Balance : {$18000.00} Balance updated : XX/XX/XXXX Credit limit : {$10000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit Card XXXX XXXX Balance : {$690.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit card
Consumer complaint received 2024-06-08
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: EQUIFAX, INC. (AZ)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. However, as of the moment I feel there are still accounts on my file that need to be REPAIRED. For that reason, I request that all of the inaccurate information attached to the accounts listed in my credit file be fixed immediately : XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$54.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$690.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00}.
Consumer complaint received 2024-05-31
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)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MI)

The company in question reports as a attorney on credit report with XXXX and also states that there is an open account that I have no knowledge of an open account with the company. Checking all my records to date all alleges accounts are in fact closed are reported as open.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

RESPONSE TO COMPANY RESPONSE 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT my name is XXXX XXXX XXXX. thank you Have a Good day ACCOUNT NAME : DISCOVER BANK ACCOUNT XXXX Balance {$3000.00} The current amount owed on the account. Balance updated XX/XX/XXXX Open/closed Indicates the date an account was opened. XX/XX/XXXX Account type credit card Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. Status updated Date the creditor last reported information about the account payment status. XX/XX/XXXX The balance currently reported as past-due by the company holding the account. {$3000.00} Highest balance The highest amount that you have owed on an account to date. {$3000.00} Monthly payment Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

Under the Fair Credit Reporting Act XXXX Account # XXXX / XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also establishes a The consumer reporting agency can not provide an account without my written instructions.
Consumer complaint received 2023-07-07
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. (PA)

XXXX falsely reported to Experian that they were a line of credit when they are not and did not issue me any line of credit. They falsely reported to Experian only, that they issued me a XXXX line of credit in which Experian falsely knew XXXX was not a line of credit, but just a checking account will a bill booster, and still XXXX knowingly posted the false information as a line of credit and added it to my existing credit balance and thereby denied me my proper utilization score by adding {$5300.00} falsely to my credit utilization score, falsely, by posting a falsely reported line of credit, as a line of credit, when XXXX is not a line of credit and is not a known Issuer of lines of credit. I contacted XXXX and they never responded back. I contacted Experian and they never responded back either.
Consumer complaint received 2024-05-31
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. (MI)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America ATM issue : I do all my personal banking with XXXX and have been banking with them for over XXXX  years. So you might understand how disappointed I am that a bank with no brick-and-mortar locations can not make BoA return my money. I'm XXXX this year, on a fixed income and with mounting medical costs and rising prices on everything else, {$180.00} is a lot of money to lose. 

On XX/XX/year>, I used the local Bank of America ATM on XXXX XXXX. in XXXX, MD, to withdraw cash to pay for some services at my house. I've used the same nearby ATM whenever I need to withdraw more than a few dollars. In this case it was {$200.00}. 

In my first attempt to get {$200.00}, I selected {$20.00} denominations but before I could input the the total amount I needed, whoosh! - out came a {$20.00} bill. Thinking I missed something in the transaction selected, I carefully re-entered the transaction requesting {$200.00}. 

But AGAIN?! 

The ATM simply spit out another {$20.00} bill and gave me a receipt showing {$200.00} was deducted including their foreign teller fee of {$3.00}. I'm sure I said bad words at the machine before going inside the bank to ask for help. The tall, attractive African-American woman woman said I'd have to go back and call the number on the machine which I immediately did. The recorded message advised that unless I was a BoA customer, I'd have to resolve this with my own bank. Called XXXX and filed a dispute that same morning. XXXX advanced {$180.00} to my account until the dispute was resolved, and then contacted Bank of America. 

Then on XX/XX/XXXX, more than XXXX month later my bank responded to say BoA claims there was no error, the machine was fine, so on the XXXX of this month {$180.00} would be deducted from my account. I railed against this and XXXX said they'd ask for details. BoA then sent a copy of the same receipt I have along with documents containing data I don't understand. BoA took my money and didn't bother to view the video to see me looking cross! Or maybe they did, but they just don't care. Can someone review the documents and explain to me where it shows exactly {$200.00} was dispensed? Maybe someone after me got a cool {$180.00} ... but it wasn't me. I need my money.
Consumer complaint received 2024-05-31
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. (TX)

Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (FL)

I reached out to Avante USA requesting proof of ownership of the debt and offer to fully pay if they could proof I was the real owner of debt and would agree to remove if paid. They did not provide proof I was the owner. They said the account would be removed if paid in full. I paid to have it removed. They have not removed the debt. It is still effecting my credit score and preventing me from get a mortgage.
Consumer complaint received 2024-05-31
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXXXXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-31
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Bureau Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Dispute Due to Identity Theft and Incorrect Account Information Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report due to a case of identity theft and incorrect account information. My name is XXXX XXXX, and I have discovered that there is a XXXX card account on my credit report under the name XXXX XXXX. This account does not belong to me and appears to belong to a person with a similar name. 

This discrepancy constitutes identity theft, as the account has been erroneously attributed to me, impacting my credit score and financial reputation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., I am disputing this account and requesting its immediate removal from my credit report. 

Enclosed with this letter, you will find : A copy of my identity theft report filed with the local police department. 
A copy of my personal identification documents for verification. 
Documentation showing the incorrect account information under the name XXXX XXXX.