davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (GA)

Gregory Funding is serving my loan and fraudulent assignments are being used to foreclose. They accepted 2 payments of {$5000.00} XX/XX/XXXX and {$5000.00} XX/XX/XXXX. They required these payments for a loan modification Instead of modifying my loan was sent to a foreclosure attorney. This clearly against federal law XXXX tracking laws were established in XX/XX/XXXX. They have my money which was sent va certified funds. The assignments are fraudulent and robo signed. Fraud can't be the basis of obtaining a deed. I have sent 2 QWR and neither have been addressed. I Also asked for the gap accounting and it was sent either. I ask for the Ombudsman department and I was told they didn't have that department. I sent a notice of error and they have not responded to any of my correspondence
Consumer complaint received 2022-11-18
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. 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. NO WRITTEN INSTRUCTIONS, PRIVACY VIOLATED
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (CA)

Since 2012 I have been disputing on loan collections with schools and credit reporting agencies and I have not receive no positive letters.
  XXXX    College was displine by Federal Government and Federal Loan Servicing has n't deleted the negative student collection on my credit report with  XXXX ,  XXXX  and  XXXX .
I can not persue my degree and attending a University if the collections are on my credit and credit files with Agencies.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I applied online for a Chase Sapphire Preferred credit card. Received immediate response they could not approve at that moment but will be researched and I would get the results in writing by mail. My original application was on or about XX/XX/XXXX. I have never received anything by mail or email from Chase. I called an XXXX number at Chase to pursue status of my application. Twice I was told application still pending and no other information is available. Third time I called I demanded to speak to a representative. This time I was told I was not approved and they could not discuss the matter with me or give a reason for denial. I then requested them to give the application a second review but was denied, again no reason provided. I was told to submit a new application in a physical Chase bank location. To date, Chase has provided me no written response by mail or by email or a phone explanation. I told them I can not keep opening new applications as it does damage my credit reports. 

This is the second time they have done this to me, with no reason given. The previous time was on XX/XX/XXXX. Exact same story then. 
My understanding is that Chase is required by law to give some reason for denials. 

Additionally, I do have a Chase Freedom card and I receive regular emails saying I am pre-approved for the Sapphire card.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please 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 2023-05-23
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Auto Finance did not comply with the Fair Credit Reporting Act, Section in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file. On XX/XX/XXXX I obtained my annual free credit reports from XXXX. I noticed that Capital One Auto Finance had an account listed about me that is time-barred. The date of opening is incorrect and furthermore I did not authorize Capital One Auto Finance to report this account on my credit file. I called Capital One Auto Finance on or about XX/XX/XXXX to ask them to delete the account because it is too old to be listed on my credit file. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX  XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three  credit bureaus wrote back to me stating that Capital One Auto Finance verified that the information about the account was accurate and that it would remain on my account. I am distressed that Capital One Auto Finance continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : Capital One Auto Finance # XXXX This Account is too old to be on my credit file. The opening date of this account is incorrect. There is no contract for this account. I did not authorize this account to be on my credit file.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

I purchased a pre paid debit card from Netspend. I put XXXX XXXX onto the card at the local retail store. When I tried to activate the card Netspend wanted a copy of my social security card, a copy of my drivers license, and a copy of a bill with my home address on it. I do not feel comfortable giving them that kind of information. My real bank account did not ask me for that kind of information. I contacted the card company asking for a refund since I did not agree with their terms of service. I contacted their help phone line numerous times with out resolution. I was working with XXXX  via email without resolution. The company said if I want a refund I have to upload my social security info. The company has since locked my card and is refusing a refund or a release of my funds thru activation
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (CA)

On XX/XX/2022 I mailed XXXX, XXXX andd equifax letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

Name of Furnisher : XXXX XXXX amount {$700.00} XXXX XXXX reporting incorrect Info : XXXX XXXX Date I made XXXX : XX/XX/XXXX cashier 's check from bank was mailed to Furnisher XXXX XXXX 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with Equifax. They did not update report. 
XX/XX/XXXX Filed dispute with XXXX.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I mailed XXXX, transunion XXXX XXXX letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX ; XXXX  XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX Date Updated : XX/XX/2019
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 : ; listedaccount need to investigate and correct from erroneous reporting in my file are listed on my credit repor XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This debt collector ( cavalry portfolio service ) and experian is in violation of 15 usc 1681 section 602 A, states i have the right to privacy.also section 604 A, also states consumer reporting agency ( experian ) can not furnish my credit report without my written instructions.gave no such instructions to experian are XXXX XXXX XXXX.also in violation of 15 usc 1692 c and b.i gave no prior Consent to experian are XXXX XXXX service to furnish my personal information to anyone.also on XXXX experian dispute department would. not let me fill dispute on this matter, saying dispute was already submitted.i dont recalled doing so was not me!!!!!
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX and XXXX XXXX  XXXX XXXX XXXX. Please update ASAP.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gaines XXXX XXXX XXXXXXXX XXXX the number on the credit card was stolen I was notified by XXXX of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then XXXX stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with XXXX and XXXX XXXX Blitt PC and I'm caught XXXX XXXX middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these XXXX  right now
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-01
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. (IN)

Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

When I ran my credit report to buy a home I found a credit card from Capital One on my report ..I do n't have nor have I ever had a capital one account..I called Capital One and got the run around being passed from person to person who kept asking for the card number..I do n't have an account how can I have the number..Told them I was calling the fraud department for a fraudulent account they put me in touch with a person named XXXX who said she would call me back in 24 to 48 hours.. never did, than I find out that they closed the investigation and were holding me financially responsible for this account..How can I be held responsible for an account I never opened someone else did and they wo n't return my calls to resolve this matter..It 's XXXX dollars and is wrecking my credit they do n't care..I need help to get this off my credit
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 ExperianXXXX  have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent Experian/TXXXX  the request for removal and that they have failed to act. This item is still being reported.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

I set up a high yield 4.5 % savings account at Citizens Bank ( a.k.a. Citizens Access ). 

After opening the account with Citizens Bank I received the routing and account number from Citizens Bank. 

I deposited {$25000.00} from my XXXX XXXX  Account to my new Citizens Savings Account on XX/XX/2023 with an account number ending in XXXX. 

I called Customer Care and the representative stated they were not going to accept the application. I asked them to return the funds to my originating XXXXXXXX XXXX  Account and they indicated they couldnt help me or provide any information on the status if my inquiry.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Over the years, Wells Fargo would systematically hold deposits and cause me to have numerous overdraft fees by not making deposits available on the day I am paid, or the day the money was received by the bank. They would purposely wait until a Tuesday to post a positive account balance even though I was paid on Fridays. Causing any automatic payments to my account to have a {$35.00} overdraft fee each time for several payments. Sometimes resulting in {$150.00} or more each paycheck. When I asked them about this they said there was nothing they could do because it was the way their system was set up.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.