davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I went to a Capital One branch in person on XX/XX/2022. I obtained assistance from a Capital One bank representative to deposit a check into my recently opened Capital One account. The Capital One representative informed part of the funds would be available ( {XXXX} ) until the rest of the check cleared. Capital One sent me an email informing me XXXX would be available ( please see attached ). When I tried to make a transaction, none of the funds were available ( please see attached ). When I called Capital One bank, a representative named XXXX informed me none of the funds were available and added that it was suspicious that a new account would have the amount of money I deposited into it. Capital One representative XXXX asked me how I obtained the money. I asked Capital One representative XXXX if it was procedure for Capital One representatives to ask customers how they obtained funds for checks made out to them to deposit in their own bank accounts. The check was from my designated attorney. Capital One representative XXXX responded that my deposit on a new account was unusual activity and put me on long hold to contact my attorney after business hours. I asked to speak to a manager and reached Capital One Manager XXXX who informed me that it was a " federal systemic procedure '' or " federal regulation '' to put a hold on checks for up to 7 business days. Capital One Manager XXXX informed me that a restriction was placed on my long awaited debit card. I also received an email from Capital One representative XXXX informing me of the restriction soon after my check was confirmed successfully deposited ( please see attached ). As a result, I do not have access to any funds, nor have any funds in my possession. I am considering closing my account with Capital One from this experience.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress  you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

GENESIS CREDIT MANAGMEN is illegally reporting inaccurate and unauthorized information to the consumer reporting agencies. GENESIS CREDIT MANAGEMEN has failed to furnish a contract endorsed by my wet signature to prove Im a legally obligated to pay this alleged debt. This inaccurate, unauthorized information violates the provisions of both 15 U.S. Code 1681s-2, and 15 U.S. Code 1681b as well as 18 U.S. Code 894 as they are all in collusion to extort me for an alleged debt I am not responsible for. This inaccurate unauthorized reporting has had an extremely negative impact on my mode of living as I have been unable to rent and am currently homeless. They are reporting under several different names. They report as GENESIS CREDIT MANAGMEN to XXXX, GENESIS CREDIT MANAG to XXXX, and COLUMBIA DEBT RECOVERY to XXXX, and alleged I owe XXXX, but have failed to provide necessary proof of claims.
Consumer complaint received 2022-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX. Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 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 instruction.
Consumer complaint received 2020-01-27
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. (CA)

NUMEROUS TIMES I HAVE REQUESTED EQUIFAX TO REMOVE THE FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITORS DIRECTLY THEY HAVE INFORMED EQUIFAX TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORT.
Consumer complaint received 2021-07-06
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: Resurgent Capital Services L.P. (TN)

An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (PA)

On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. 
I keep being told that I already have a account which I did but that account was closed and discharged by chapter XXXX on XXXX XXXX. 
I got a letter from commentiy that I had a credit freeze on my XXXX credit bureau ( which I never heard of until today ) I called XXXX to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with XXXX. 
I spoke to a accounts person ( jenniefer ) at Comenity about this issue and they keep telling me they can not do anything about it. 
Comenity was extremly rude to me on the phone
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (CA)

I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid, but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.
Consumer complaint received 2023-03-10
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: DISCOVER BANK (FL)

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX  Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX 

XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Consumer complaint received 2018-02-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (FL)

I mistakenly deposit money from XXXX to my old Chase Business banking account. Because, I had accrued a debt they kept my money and re-instated me a check under the name of my old business. 
I was told that the Chase branch would cash my check. When going to the branches, they have made it very clear that they don't cash businesses checks. 
When I call the Chase Business customer service, they aren't able to find a solution for me and state that they can't send me a check under my name. 
No one is willing to work with me and I have money that I am unable to cash. 

I can't find a solution.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield & Associates are falsely reporting to all three credit bureaus ( XXXX, XXXX, and XXXX ) collections in the amounts of {$540.00} and {$830.00} as debt that belongs to me from XXXX XXXX. I have never done business with this company and they have failed to issue documents bearing my signature. Falsely reporting this debt that does not belong to me is against the law and I will be taking further legal action against this company if they fail to stop reporting false debt on my credit reports and the credit bureaus ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2022-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Hello, My name is XXXX XXXX. My loan number is XXXX. For XXXX months my husband and myself have been trying to get freedom mortgage to correct the amount that we own on our mortgage. We have file complaints with the XXXX  hoping that they can help us resolve the issue. My husband has call a number of times and been treated unfairly. My husband and I both believe that we are being treated unfairly because we are both XXXX XXXX and my husband is also a XXXX  vet. We have spoken to a customer rep for Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. On XX/XX/XXXX we spoke to a man by the name of XXXX and he promised us that he would fix the situation and that he would call us back but never did. We then call back on XX/XX/XXXX and spoke to a escalation lead rep by the name of XXXX. She also promised us that our situation would be corrected. She also stated that she would call us back on XX/XX/XXXX to follow up with us after she spoke to the underwriter. She never called back. So my husband and I decided to sale our home and Freedom Mortgage still is showing that we owe them XXXX which HUD is also showing this amount on their end which we are being double charged because Freedom Mortgage refuse to remove it from their records and they know that they are providing false information. We also was manipulate into signing a form that we did not totally understand which caused us to owe the XXXX which we take full responsibility for it since we did not read the complete contract and just went on the word of the Freedom mortgage rep. We have tried to resolve this issue but because we are XXXX XXXX and my husband is XXXX, Freedom Mortgage refuses to correct the issue. 
The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex, familial status, national origin or disability at any stage of mortgage process. This has been very stressful and very bad for my health and my husband health well.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX DEPT OF EDU 3.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : 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  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 2020-11-05
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: EQUIFAX, INC. (NY)

Equifax is preventing me from accessing the results of my credit report dispute. I was able to log into the system to start the dispute but when I went back to get the results, it did not let me back in or recover my login.
Consumer complaint received 2020-11-05
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-15
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: RockLoans Holdings LLC (MD)

Rocket Loans, XXXX, and XXXX XXXXXXXX bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?
Consumer complaint received 2018-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America is my mortgage company, Ive had heard how difficult they are to work with homeowners before I fell behind and I said they were good. When I unfortunately fell behind its when my nightmare started. I had been denied several times due to them miscalculating my income. Now I submitted a complete packet and they said there is an outstanding issue and that they cant tell me what it is over the phone. They keep telling me that its like a " back room '' where they receive the correspondence and they answer to me through mail. They said I had to send a written request through mail to find out what that outstanding issue was. I send a written request through mail and I paid for signature, they received it and I have not heard back from them. My file was denied due to some bank statments missing, I sent them over and then they said that I was hiding income which I am not!! I sent the missing bank statements, and they denied my file, they closed it and was sent to the fraud department. To add more to this they put an auction sale on my home for XX/XX/2018, this is not fair. The sale is coming up soon, and I have no answers as to what that outstanding issue is. This has gotten my wife and I very stressed, they have the bank statements they were needing why not just continue with the review instead of closing it. So I believe this is the outstanding issue they are talking about. I wish I knew what it is so I can answer and start getting reviewed again. I really hope that they dont answer a few days before the sale and not give me enough time to reapply. I dont want my home to sell. They can check their system, they have all the documents they needed. Bank of America had a complete packet.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX dollars were withdrawn from my account by BAnk of america without my knowledge throwing my account into negative balance When questioned they said they had an accounting mistake and will be credited back When called again said dont know it may take 7- 10 days for credit back Customer service agents not helpful Cant get an appointment at the local bank they have no open appointments I have bills to pay
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This account was open in 2011 so it as well over XXXX years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you