davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

AdAstra violated the FCRA and FDCA by not VALIDATING the item in the REQUIRED timeframe. I asked for a validation of the debt, not a verification of the debt. Verification is what this company is continuing to provide and Third Party Debt collectors are subject to VALIDATION of debt. AdAstra just provides a 1 page letter with a balance due, they are not providing the documentation that I have requested to validate this debt. I requested that the debt be validated, which it never was and as a response to this validation request, I continued receiving balance statements. I repeated the investigation was never completed and the documentation requested was NEVER sent to me. I requested an initial validation of debt which included all relevant account number ( s ) as well as specific information that is compliant with a reasonable investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and Proof that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor? This information which the company has admitted to sending ; is NOT validation compliant. Ad Astra, has yet to forward the following information, which was requested in the original request for investigation.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement
Consumer complaint received 2021-09-09
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)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2024, I made a XXXX transfer to a friend 's email linked with Capital One. 

After I had made the XXXX transfer, she received an email from XXXX XXXX with this email address : XXXX Stating the following : Dear XXXX XXXX We have successfully deposited the {$130.00} payment ( confirmation number XXXX ) into your account ( XXXX XXXX, XXXX, Simply Checking, XXXX ). 

My friend notified me immediately of this email from XXXX XXXX and informed me that she does not have a bank account with XXXX XXXX  and she never did in the past. 

According to Capital One 's investigation that led to my fraud claim being denied three times, I was responsible for inserting the proper recipient information such as email address linked with XXXX. I want to reiterate that I DID use the correct email linked to my friend 's XXXX/Capital One account. However, for some unknow reason the documentation provided by Capital One which was my XXXX transfer to my friend had her banking with XXXX. XXXX could not explain why my friend 's email was linked to XXXX BXXXXnk in the first place. XXXX was not helpful and directed me to Capital One to discuss. They are just a third party app. 

I had the correct email for my friend. She can not retrieve {$130.00} deposited into an account ending in XXXX because she does not have a XXXX XXXX  account. She has no idea why XXXX would had linked her with XXXX to behind with. 

I submitted a fraud claim with XXXX XXXX  and unfortunately, they were not able to create a reference number since I am not banking with them. They did review the documentation and confirmed verbally that my friend never had an account with XXXX XXXX. 

I requested Capital One to contact XXXX XXXX  Manager in XXXX XXXX, XXXX, Maryland, She would confirm this information. I dont believe this was done by Capital One Fraud Investigation Team . 

As a side note, my friend also went to file a fraud claim with XXXX XXXX  and she was not able to since she is not banking with them. 

I want to ask if you can please investigate this issue that is alarming. I expect more from my financial institution and mainly the skills of their fraud department to conduct an investigation that is affecting their customers. 

As of now, {$130.00} was taken out of my account thru XXXX and Capital One. XXXX XXXX  does not have them and my friend cant retrieve because she is not banking with XXXX XXXX  and never did. 

I did an internet search and others were scammed the same way I was. They received that same generate email with different names of financial institutions. 

How is it that a multibillion financial institution cant seem to get their expert on this to get to the bottom of this and protect their customers?
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NY)

I have given permission on XX/XX/2021 to this company ( New American Funding ) to pull my credit for a pre approval to buy a house. And my credit was pulled the same day for this purpose. 

My credit was pulled on XX/XX/2021 without my permission for the second time. When asked why the rep stated they have done a mistake on the first time. 

My complain is about the second credit pull. 

I did not authorize a second credit pull and their mistake will impact me when I'm closing on a house within this month and also in the long run also. ( second credit pull was outside the 14day window for this purpose and simply un authorized ) I have respectfully asked the loan consultant to remove the second credit pull to correct their own mistake. They have refused to do so. ( asked twice via email ) Also I have not received any type of pre approval from the first credit pull even though I have provided all docs they have asked
Consumer complaint received 2021-04-22
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: National Credit Systems,Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I was the victim of a wrongful foreclosure due to the Massachusetts Court ruling from the XXXX Case.
The property was wrongfully foreclosed by XXXX XXXX XXXX on behalf of Chase Mortgage.
The property in question is XXXX XXXX XXXX, XXXX, Massachusetts XXXX
Consumer complaint received 2018-01-16
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. (CT)

I have disputed an account named XXXX XXXX in the amount of {$110.00} with transunion as I have no contract with this company. They did not extend any credit to me. I have no dealings with them but yet they continue to report this inaccurate and unverified account. I want documents showing that they have in their files showing this belongs to me under the FCRA 15 U.S.C 1681g. If this can not be verified by this credit reporting agency it must be promptly removed under the FCRA 15 U.S.C 1681i. This is the law
Consumer complaint received 2019-03-05
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: EQUIFAX, INC. (OH)

In XXXX I hired " XXXX XXXX '' to dispute collection charges from XXXX XXXX XXXX collection companies who both alledged that I owed " XXXX '' {$750.00} for a device. After paying XXXX XXXX several hundred dollars all three major bureaus reported " no open collections '' that same year. Then XX/XX/XXXX the same XXXX accountant was in collections again with XXXX, XXXX XXXX XXXX  FOR THE SAME AMOUNT OF MONEY! 
I HAVE A DOCUMENT FROM XXXX VERIFYING A " XXXX '' ( XXXX ) BALANCE!!! 
THIS FRAUD HAS DAMAGED MY CREDIT SCORE WHICH IS OURRAGEOUS!!! Two bureaus ; Equifax and XXXX removed the derogatory and fraudulant report in XXXX but XXXX  who XXXX XXXX supposedly works with the easiest, according to the paralegal I spoke with, JUST FINALLY REMOVED IT TAKING LONGER THAN 60 DAYS!!! I was in the process of procuring a loan and this fraudulent reporting damaged me financially!!! It is not enough to finally remove the collection report which was fraudulent because I WANT MY CREDIT SCORE BACK THAT I HAD LAST YEAR BEFORE THIS DAMAGED MY REPORT! Also, I believe XXXX XXXX dragged their feet with XXXX who the repeatedly told me they work closely with just to keep charging me a monthly fee. Please investigate them as I want my money back as well as my credit score from before all this damaging and fraudulent reporting!
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX XXXX 2017 I attempted to purchase something on my XXXX XXXX Card issued by American Express. The value was {$2600.00} of the purchase. The purchase went through and a month later the same amount was refunded to me by the same vendor. I had a positive balance on my credit card I then had called into American Express to have refunded to me. The date that American Express claims they issued me a check to come in the mail was XXXX XXXX 2017. When I called to inquire as to the details of said check 's arrival, I was given no information other than it was sent on XXXX XXXX 2017. When I inquired to have a new check overnighted to me, they claimed they were unable to do that. I am without {$2600.00} of the amount that was refunded to me and would like for American Express to now respond to a CFPB complaint and inform them why it has taken so long to refund a customer 's money.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I put an fraud alert on all three credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.           TRANSUNION :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX
Consumer complaint received 2022-01-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2024-01-29
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. (NC)

In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (IL)

My information is being traffic! YOUR FAILURE TO SEND MY CONSUMER REPORT AND ADD A SECURITY FREEZE has caused companies to now take my likeness, my personal, non-public information and assembling a consumer report that is supposed to reflect who I am all without my consent, all without my authority so now present I am unable to get credit cards, home loans, and suitable employment.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX, I would like to report a fraudulent XXXX transaction from my Bank of America Account made on XX/XX/19. The individual ( transferred to ) goes by the name of XXXX XXXX and his phone number is XXXX XXXX XXXX XXXX. I have also reported this case of fraud to my bank however was sent a denial letter stating that I gave this individual my account details. This is not true. The amount of transaction is {$1500.00}. In case you would like to reach me my number is XXXX XXXX XXXX XXXX Thank you-XXXX
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nicholas Financial Inc. (TX)

I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (SD)

As of XX/XX/XXXX Chase XXXX ( aka WePay, Inc ) canceled my XXXX XXXX account. They began withholding my funds as of XXXX XXXX. After several attempts to contact and reach an understanding - the best reason they could give me was that there wasn't a reason and their team just decided it was time. 

I tried appealing the case and they turned me down once more. After multiple emails regarding the appeal I ended having to call in a couple more times as they didn't answer my email. 

To date- they are indefinitely withholding {$3200.00}. Being that I'm a small business owner this is obviously a very big deal. Trying to make payroll with funds that never came through is tough to say the least. 

I believe this also breaches their deposit agreement since they're holding the funds indefinitely without reason.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TCF NATIONAL BANK (GA)

On XXXX/XXXX/2017 Gateway One Lending made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Consumer complaint received 2018-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I requested the method of verification you used to determine the items I was disputing were accurate. I specifically asked what certified documents were reviewed to conclude the investigation and to provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation as required by the FCRA. You claim that you have verified the items I requested an investigation of, so I legally requested a copy of the procedures and documents you used to verify the information by certified letter return receipt # XXXX. Experian received and accepted my letter through registered mail dated XX/XX/XXXX. To date you have not responded to this request and have not provided me with any information on the method of verification used in your investigation and have thus not performed your duty mentioned in the law. I expect an actual verification method other than the XXXX used to determine the accuracy of my information. Your companys response to my complaint with the Consumer Financial Protection Bureau is nothing more than the legal disclaimer you are required to submit to consumers by law and not an actual answer. My next action is to file an actual lawsuit against Experian with my attorney if my original request from XX/XX/XXXXis not honored.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (GA)

On XXXX/XXXX/2017 Flagship Credit Acceptance made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TN)

While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from them.
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (NJ)

This letter is to notify you that I no longer am disputing the account number above. 
Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

A short sale offer and full file was submitted to my servicer ( XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, borrower was notified the servicing was being transferred to Fay Servicing. On XX/XX/XXXX, the loan was transferred. Multiple calls were made to Fay for status updates on the short sale file, and we were told the file was " under review ''. Finally, on XX/XX/XXXX we requested to speak with a supervisor, as Fay still had the foreclosure set for XX/XX/XXXX. The VP of Loss Mitigation ( XXXX XXXX ) requested we resend him the offer docs, which were done so immediately. On XX/XX/XXXX, after we received an email requesting changes to be made to the settlement statement ( regarding commission ), we called the VP of Loss Mit to question why these were being requested now, when we were previously told nothing else needed to be changed. The VP ( XXXX ) became aggressive, and told us he sent an email ( while we were on the phone ), to the Investor, and that our offer was declined. He told us the BPO came in at $ XXXX, and countered us at $ XXXX. This happened in a matter of less than 2 minutes. We feel we are being unfairly declined/countered, furthermore, we don't know ANYONE who would be willing to over pay $ XXXX for a property with a valuation showing $ XXXX.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I tried to use an external App with Capital One Bank, however, every time they say they 're sending me a security code to verify my account information, I never receive it neither by text or e-mail. It is extremely inconvenient.