davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (NY)

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I have been abused and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES , has caused injuries to me by violating the Fair Debt Collection Practice Act, that was set into place to protect the consumer from such abuse. On XX/XX/2021, CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692i ( b ) by filing suit against me, the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( b ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/2021, I received 2 phone calls from my front gate at around XXXXXXXX XXXX that woke my wife and myself up, but I did not answer because I was not expecting anyone at my residence so early in the morning. My wifes phone began to ring from the gate right after, she did not answer as well. Around XXXXXXXX XXXX I heard an obnoxiously loud banging on my front door, in which frightened my wife and I, also woke up my two young kids. My wife opened the door and was given papers stating I have a notice to appear in court. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me, the consumer, given directly to them, at an unusual time and place which known to be inconvenient to me the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process. On XX/XX/2021, Ive requested for CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES to provide me with competent evidence to verify that I have a legal obligation to them, but have not received anything. I will attach all documents used to resolve this issue.
Consumer complaint received 2022-09-19
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. (SC)

My wife and I paid for Equifax XXXX XXXX XXXX XXXX XXXX. 
My wife is now trying to purchase a car. The dealership is able to pull all credit reporting agencies EXCEPT Equifax. We are about to lose a {$3000.00} deposit on a high end vehicle because the Equifax report shows blanks. 

We have spent all day calling Equifax trying to find or fix this error. Every time we log into the Equifax online portal, we get a message that says there is an error and to call Equifax with error code " XXXX ''. We have done this around 10 times today with no results. Now, we are being told to fax copies of her Drivers License and Social security card to some " XXXX '' Number. Equifax wants to argue that there is something locked on my wife 's credit report, but XXXX and XXXX have no such issues. Equifax maintains my wife 's credit report is unlocked, but NO ONE can access it. They are also unable to address any issues or questions with my wife directly over the phone - after confirming her identity each and every single time. 

We content Equifax has a defective product and should be liable for lose of the {$3000.00} deposit against this vehicle, should that occur. At the very least, they should refund all fees paid for this service as being a defective product.
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have disputed this several times. I have submitted documents to show the proof of payment. On my report XXXX XXXX XXXX is listed for a charged off debt. I was sent a letter showing the charged off debt was sold to XXXX XXXX XXXX XXXX. It is illegal to still list XXXX XXXX XXXX on my credit report and verify it as valid when I have submitted the letter I was sent that states the debt was sold to XXXX. It would XXXX 's responsibility to list the debt. Experian can not validate XXXX XXXX. Ive mailed XXXX letters after this asking how this debt was verified with no response. It has been XXXX days and I have yet to still receive a response on how this debt was verified. In addition to, I sent a certified letter to XXXX, stating that upon cashing of the payment sent they are agreeing to settle debt in full with no reporting to my credit report. I have also uploaded proof of payment that XXXX has indeed cashed that Cashier 's check that was sent directly by my bank. Experian Credit Bureau is refusing to remove it from my report even with provided documentation and states the debt is remaining on my report. They must remove because they did not provide verification or a response within XXXX  days. Again this is a violation of FCRA Laws and illegal.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I submitted a written dispute letter to Experian to dispute items on my credit report. I have not received a response and they have NOT provided me with a copy of ANY original documentation after several attempts.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Co-Operative Adjustment Bureau, Inc. (CA)

I have submitted 609/verification of debt notices to co oper adjustments several different times. All letters sent to validate debt were indeed sent certified mail to ensure they received them. I never received any validation for this unknown debt only for them to add interest to the debt,
Consumer complaint received 2021-08-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NY)

I have an XXXX XXXX XXXX  account that was agreed to 24 months at a payment of {$45.00} per month. I this loan was taken out in XX/XX/2021 with PayPal credit which is a pay overtime account. I also have 6 month promotional loans with this lender. My payment amounts are applied to the XXXX XXXXXXXX XXXX loan first and a minimum to the promotional loans. This is unfair credit practices. The extra I pay each month should be going to the promotional loans which are due first. When I make a payment I am not given an option where my money should be allocated causing me to call customer service every month with repeated phone calls. Their monthly billing statement does not clearly state how payment funds are allocated.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had {$5200.00} stolen from my account without my knowledge via a fraudulent payment reversal that was not requested by me on my account where the refund was done to an outside account that I have no relation to ( see complaint XXXX ). It has now been two weeks and bank of america has provided me no update on the investigation nor refunded my money. Bank of America advertises a {$0.00} XXXX XXXX for all its credit and debit cards if fraud is reported immediately. In this case the fraud happened XX/XX/XXXX, and it was reported XX/XX/XXXX. It is now XX/XX/XXXX and I haven't received any updates or a refund. It appears this " {$0.00} Liability Guarantee '' is just false advertising and is widely being used by the bank to trick consumers into believing they are protected when in reality they are exposed to in cases where Bank of America acts in bad faith and negligently to allow fraud to happen.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I requested a copy of my amortization schedule for my home mortgage.The reason for this request is that I have been paying an extra amount that is applied to my mortgage principal on a monthly basis for the past XXXX years. I was told by an agent at sls, Employee # XXXX.That SLS can not provide me an amortization schedule, that has been updated But they can not and will not send me a copy of the original amortization schedule
Consumer complaint received 2020-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. ()

Completed a short sale, received approval to patriciate and gave me a number they wanted for the offer. The Realtor got amount requested, buyer is ready to settle. The lender keeps rescheduling which is postponed each time. I have a buyer ready to go to settlement immediately and the lender is refusing to send the approval prior to sheriff sale. This is the third time they have done this. The buyer has offered appraised value that the lender already said they would accept. Buyer is ready to settle.
Consumer complaint received 2022-07-12
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. (VA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been sending XXXX XXXX XXXX, Experian, and XXXX  letters for the last 11 months regarding a collection they have reporting to my credit reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe { {$590.00} }. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill. I have asked multiple times for any documentation and they dismiss my request. I have also asked that if they can not provide anything then to stop contacting me and remove the fraudulent account from my credit report. 
XXXX  conducted their investigation months ago and removed it from my credit report. 
When I first inquired about this account with XXXX, it was listed on my report as a closed account ; derogatory ; collection. After their investigation it was briefly removed and then reinserted a couple of months later now showing as an open account with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They other months are showing paid. It shows " XXXX XXXX '' on XX/XX/XXXX. This makes absolutely no sense to me. 
When I did the same with Experian, they changed the " Balance Updated '' on XX/XX/XXXX
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX  out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after XXXX week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (OH)

I feel like I was treated unfairly because of my XXXX. I am worried the banker is trying to take advantage of me or steal money from my account. The following actions occurred at XXXX on XX/XX/21 at the XXXX XXXX branch of US Bank in XXXX XXXX OH. 

1. The banker wouldn't cash my check. He sent me to XXXX to cash my check, which cost me {$10.00}. 
2. The banker gave me confusing instructions on how to wire money to an account in XXXX. 
3. During our meeting, the banker called another person and suspiciously spoke in a foreign language. I feel he did so that I couldn't understand his conversation.

4. While talking, the banker accessed my phone from his computer without telling/letting me know. Later in the evening I got an electronic warning about activity on my account.

5. The banker made me feel stupid. He blamed me for trying to do things too quickly or not trying to cash my check earlier. 
6. I called customer service around XXXX XXXX. I got different instructions on how to wire money. I was told I would get a response on Monday ( which is a holiday. ) I am worried about the safety of my money.
Consumer complaint received 2020-11-05
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: Consumer Portfolio Services, Inc. (AL)

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
Consumer complaint received 2024-10-22
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. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Company Portfolio Recovery Associates Llc as of XXXX XXXX, 2020 is inaccurately and fraudulently reporting information on my credit report that I've requested to be removed immediately. I've attached legal proceeding documents that show this company does not have the right to continuously to report fraudulent activity, as to the case in its entirety has been dismissed.
Consumer complaint received 2020-09-22
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: LEXISNEXIS (CT)

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

freedom mortgage purchased my loan from my previous loan servicer, in XXXX with out my consent. Due to the high interest I am paying, I tried to refinance with freedom mortgage to lower my payment in XX/XX/XXXX. After all required documents were collected, the loan officer I worked with know by the name XXXX told me the higher interest rate than what was printed on their website that day and I did not proceed. In XXXX of XXXX I tried to refinance my mortgage with different bank. By the time I was about close, I was overwhelmed by mails and phone calls from freedom mortgage asking me if I refinance with them, they will match or bit ant interest from any other financial institution and I do not have to pay mortgage origination fee and pay little no closing costs. To take the advantages of offers, I started the process of refinancing with freedom mortgage in the beginning of XXXX. Back then I was told the process will take the maximum of 6 weeks. By believing in them I submitted first round of all required documents to them. Then after, I was overwhelmed by calls and emails from a minimum of 11 people pretending to be all are from freedom mortgage. I submitted all requested documents. After they received whatever they requested for, almost none of them replied to my calls or emails. Now I am in my 8th week since I started the process. While I understand the effects of code 19 pandemic, I consider the process is unfair and discriminatory and most of the people who are involved looked either my coworkers or my neighbors. Is this fair business practice? 
the people involved are 1, XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX
Consumer complaint received 2020-11-18
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. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.