BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XXXX of XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Cavalry responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with Cavalry, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from XXXX and XXXX reflects a different account number for the same account that Cavalry is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is Cavalry still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is XXXX XXXX XXXX offering a settlement on an account that is not verifiable? 

For the second account, Cavalry merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XX/XX/XXXX states that a payment was due on XX/XX/XXXX, then how can Cavalry say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that Cavalry has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! Cavalry nor XXXX XXXX XXXX provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, Cavalry failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable.

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: RFNA, LP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX I have only had one account with XXXX XXXX and that account was paid in XXXX of XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into XXXX of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX***XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF ID THEFT. I WAS ADVISED BY THE FTC TO SEND IN MY SUPPORTING DOCUMENTS. TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT FILE. IT HAS BEEN AN ON-GOING BATTLE WITH THESE COMPANIES. THE LAW IS VERY CLEAR TO ME AS FAR AS MY RIGHTS. THEY HAVE FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEFT AND NOT ME. PLEASE CONTACT THESE BUREAUS ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM TO COMPLY WITH FEDERAL LAWS AND RESPECT THE RIGHTS OF ID THEFT VICTIMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I applied " U.S. Bank Altitude Reserve Visa Infinite Card '', there was promotion : spend $ XXXX, get XXXX bonus points. But after I meet the requirement, I was told I will not have XXXX bonus since I had this card before. I did have this card before ( several years ago- I guess ), but when I applied the new one, it didn't say ( in the small letters ) I will not get bonus if I had the same card before. So I should have the XXXX bonus Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, my mother passed away. After probate was over and they put part of her house in my name, I got mail claiming I owed money to this company or that company. My siblings put mom 's house up for sale and we got a buyer. Just before closing they informed me I owed over 22 thousand dollars for two judgements. The first judgement was for a little over 5 thousand and the second one is for a little over 3 grand. but these two debt collectors claim now I owe over 13 thousand on the first one and over 8 thousand on the second one. This is impossible and quite outrageous and defiantly fraudulent. I will try to upload the original judgements.I tried to contact the agencies the one for over 13 thousand would not answer the phone and the second one I talked to but they refused to budge on the amount. This is so not right and completely unconstitutional. 
Thank you for your help in this matter, XXXX XXXX Also, XXXX XXXX stated that they served me but I was not served, they described someone about XXXX XXXX XXXX with brown hair. That's funny since I live alone and I am over XXXX with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXXand XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and  XX/XX/XXXX. I did not authorize my credit to be ran on either of these  days by any of the companies being shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ACIMA CREDIT, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I saw Citi offering a bonus of {$400.00} for opening a savings account and depositing {$15000.00} for a minimum of 90 days. I created the account on XX/XX/XXXX, and deposited {$15000.00} on XX/XX/XXXX into the savings account. On XX/XX/XXXX, I received an email stating that I had earned the {$400.00} and it would be deposited within 30 days. On XX/XX/XXXX I still had not received the {$400.00} and called customer service. They indicated they would look into the matter and get back to me, but with no resolution. I called again on XX/XX/XXXX to inquire and they indicated they would resolve the issue in 5 business days. On XX/XX/XXXX, I received a letter from Citi stating that they had investigated my case and that I was not eligible for the {$400.00} because the checking account had been closed, whereas the terms state the account must be in good standing. I thought the promotion was for a savings account and didn't realize the checking account had anything to do with this. The savings account was still open and in good standing with the required balance, and I had take no action to close the checking account. I called Citi customer service on XX/XX/XXXX to ask about this. They confirmed that I would not receive the bonus because the checking account had closed because of a XXXX  balance. 

This seems unethical because there is nothing in the main terms of the promotion that there must be activity in the checking account, only that there must be a minimum balance. I see that in the fine print of the promotion, it states that if you happen to deposit the full amount in one account but not the other, they will close the account and void the promotion. If I had simply moved a small amount to the checking account, I would have received the bonus. This does not seem fair, especially since they sent me an email on XX/XX/XXXX confirming that I would be receiving the bonus, even after the checking account had been automatically closed without any notice to me. This fine print term is clearly a misleading advertising tactic to XXXX their customers and does not seem like a fair term to include.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chase College checking account was blocked and closed by the bank on XX/XX/2018. I was sent a final statement for my bank account and it said that there was a XXXX debit for a check charge, however, I never received the remittance check for this account. 

I contacted the bank regarding my funds and I was told by a customer representative that the funds would not be sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in regards to case # XXXX, XX/XX/2018 I sent complaint to Bank Of America through CFPB, received phone call from Bank Of America Regulartory Complaints team, On XX/XX/XXXX, received another phone call from Bank Of America Regulatory explained to me everything regarding my claims I had opened with Bank Of America, I also received via email a copy of everything we spoke about. From the conversation and letters I received I was thinking everything is solved as stated, however XX/XX/XXXX, I received a letter stating my claims was now resolved as of XX/XX/XXXX, however I called claims to tell them my claims was resolved back in XXXX. I was ask where did I received this letter from and to fax it over to the claims department, which I did on XXXX XXXX, XX/XX/XXXX, received another letter saying that my claim was resolved and the temporary credits for claim # XXXX and claim # XXXX on XX/XX/XXXX, I called again spoke with a lady name XXXX she said she was a supervisor I explained to her the claims was closed in XXXX by Bank Of America Regulatory department she stated that no the claims was never closed and we will be revering the temporary credit in the amount stated for the claims on XX/XX/XXXX, and I cant reopen and don't resend the letters because it won't matter, I told her I will resend the letters stating my temporary credits was permanent. which I did fax over was told they wont be considered the claims is closed as of XX/XX/XXXX, XXXX.I thought the claims been resolved in XXXX when I received the phone call and the letters.I am fighting XXXX and I don't have time to worry about this case because it was closed to my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I sent an insurance claim check to PennyMac in the amount of {$33000.00} ; they received and cashed on XX/XX/XXXX. I submitted all information they required with exception of contractor 's license and signed XXXX. The contractor has now backed out because of the length of time this is taking to get funds disbursed. 

I sent a written request to Pennymac on XX/XX/XXXX along with estimates for materials needed for the repairs. I need to go ahead get the materials ordered before they are no longer available. They advise it takes 2 days to process your request, so I called on XX/XX/XXXX to make sure they received the request and confirmed they did. I called back on XX/XX/XXXX to get an update on the request and was told they needed signed XXXX and license from contractor. I explained the request was to release funds to buy materials only, not pay contractor which was very well explained in my request. I was told they would put in the request that day, XX/XX/XXXX and would have an update for me no late than XX/XX/XXXX and would be good idea for me to call back because they probably would not contact me. 

I called back on XX/XX/XXXX and was told the request had to go to their " corporate '' office for review and it could take an additional 11 days for a decision and the request was submitted to corporate on that day, XX/XX/XXXX. I was told again to call back to check status next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Total Card, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XXXX XXXX XXXX XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to XXXX XXXX XXXX which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to XXXX XXXX. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Please see attachment Company has provided questionable information about total balance Company has been wrong/misleading about appeals process Company provided information that led to balance increase rather than decrease All detailed in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX i do not recoginize these offending claims remove off of my report. 
Called transunion and requested they up hold yo their responsibility to ensure that creditors demonstrate clear permissible purposes in accordance to fair credit reportin act before releasing a consumers report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, NFCU increased our equity loan payments from $XXXX/month to over $3000/month so we attempted twice to work with NFCU's mortgage mitigation division to refinance.  Both attempts were unsuccessful because they kept falsely increasing our income by including travel reimbursements for work within our income. We continued making on-time payments to our first mortgage with XXXX  during this process.In XX/XX/XXXX, NFCU began foreclosure proceedings so we hired an attorney but were unsuccessful in any negotiations.  NFCU has admitted in writing that the HELOC #XXXX was "charged to our reserves on XX/XX/XXXX".  NFCU also admits that they executed a foreclosure on XX/XX/XXXX followed by a XXXX  payoff on XX/XX/XXXX.  We have already received IRS XXXX notices pertaining to this transaction.According to VA Code Ann. § 8.01-228 et seq., the Virginia statute of limitations is five years. Along with the fact that NFCU already exercised a foreclosure by paying off our first mortgage and failing to work with us to refinance, we're requesting that this charge-off loan be removed from our credit report.  Thank you kindly,XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Retail Merchants Associates
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Retail Merchants for {$1000.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Retail Merchants did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX  reported the debt was verified at the previous amount. Of {$1000.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation