davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (MI)

RE : Cavalry partial account # XXXX Cavalry Portfolio SVCS has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}.

The above mentioned account is an old XXXX XXXX credit card which was closed due to fraud back in XX/XX/XXXXwith the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old.

I have written Cavarly Portfolio twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX.

Cavarly Portfolio has refused to provide those records and alternately become more aggressive trying to collect.

I will prove that Cavalry Portfolio has been engaged in fraud against consumers for years.

I will prove Cavalry Portfolios intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit.

Cavalry Portfolio has also provided untruthful statements to XXXX, XXXX & XXXX  in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports.

These and other willful schemes of Cavalry Portfolio has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord.

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court.

Through my research, it seems Cavarly Portfolio has a history of manipulating records and attempting to collect on debts they have no legal right to collect.

I have requested records of this debt and Cavalry Portfolio has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.
Consumer complaint received 2018-08-07
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. (GA)

There is an account called " XXXX XXXX XXXX XXXX '' on my credit report which is fraudulent. This was opened up by someone who stole my identity back in XX/XX/2010. I have filed a police report and an affidavit and forwarded it to the all of the credit reporting agencies. XXXX  and XXXX removed the information except for Experian. They never took it off or took my case serious. I have disputed this account a numerous of times with Experian but never removed this fraudulent information from my credit report. I am very dissatisfied with this credit reporting agency because they should take fraud more serious and report accurate information. If you all can help me remove this fraudulent information off of my credit report, please do so. Thanks a lot.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX card was taken over by XXXX XXXX. I have had nothing but problems with XXXX XXXX throughout my adult life and a quick search on XXXX shows that many others have the same issue. XXXX XXXX talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXXXXXX XXXX/ XXXX XXXX for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that XXXX XXXX does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if XXXX XXXX makes the correction or not.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

On Tuesday, XX/XX/XXXX, I received a debt collection letter from Synergetic Communication , Inc. It states that I owe a debt of {$4000.00} to a post-secondary education company called XXXX XXXX XXXX, and offers a settlement amount of {$1000.00} that they demand be paid by XX/XX/XXXX.

I have never used, or heard, of XXXX XXXX XXXX, and have never received received any phone calls from either company before today. I do not have any outstanding past-due debts.

I have, so far, attempted to call Synergetic Communication , Inc. twice. Once at a phone number provided on the letter I received, XXXX, and again via another number I found on their web site 's contact page, XXXX. In both attempts, I was put on hold by an automated system for less than 1 minute before being given an option to leave a recorded message.
Consumer complaint received 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank account # 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 with my written instructions
Consumer complaint received 2023-03-13
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. (AR)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$180.00}
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX  XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX XXXX Experian on XX/XX/2021 and XXXX XX/XX/2021 XXXX also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/.
Consumer complaint received 2023-03-13
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. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : 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
Consumer complaint received 2023-03-12
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. (ME)

I Am a natural person who has been victimized not only by the XXXX major credit reporting agencies XXXX XXXX, Experian, and XXXX through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX XXXX data breach. I've contacted the XXXX CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only XXXX response from XXXX XXXX which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply depressed and suicidal dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the XXXX, as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all XXXX CRA 's on XX/XX/XXXX, and received a reply from only XXXX XXXX on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. That's completely unacceptable.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (NJ)

15 USC 1601 I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions 's identity Theft Affidavit. Please delete the items as soon as possible, otherwise I will be suing.
Consumer complaint received 2023-03-12
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. (OK)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-12
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. (CA)

all of my NON PUBLIC PERSONAL imformation is being spread around with all the credit reporting companies without my authorization or permission!!?? XXXX XXXX XXXX, XXXX card, XXXX XXXX Bank, XXXX XXXX, XXXX XXXX bank, XXXX credit which is a complete Fraud along with XXXX funding, to begin I never authorized my payment history my personal banking history and certainly not to these fraud companies I never had a relationship with them let alone authorized them to publish my personal non public history or a fraud collection!!!!! 5 USC 552 a " It is illegal to report ( TRANSACTION HISTORY16 CFR 313.10 I am exercising my right opting out of any and all authorization I the consumer may have given to any bank or person written or non written, verbally or non verbally effective immediately and indefinitely in conjunction with 15 USC 6802 ( a ) ( b ) ( c ) all information inquiries and payment history be removed at once no authorization was ever given
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I believe that Freedom Mortgage Company has retaliated against me when I pushed back and demanded to speak to a supervisor to better understand why they kept needing additional documentation in order to assume my existing mortgage after my divorce. 

My loan assumption application began on XX/XX/XXXX XXXX when they sent me a package by overnight mail to fill in within 10 days. After months of waiting then starting and stopping, my application went from conditional approval status on XX/XX/XXXX at XXXX to denied by at XXXXXXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX was a federal holiday when I received an email requesting additional documentation with no explanation for why more was needed after I had provided numerous sets of documents all within 1-2 days after request. Despite numerous requests, Freedom never justified their demands for an explanation how I planned pay out my ex-husbands share of the equity. Freedom Mortgage personnel failed over and over to answer my questions and repeatedly acted like I was living beyond my means, despite a credit score of XXXX and more than adequate income to pay my bills. I requested to speak to the people processing the loan for an explanation, then I requested and later demanded to speak to a supervisor with no success. I was on hold and tried to speak to supervisory personnel for over an hour on 2 separate days. I work from XXXX XXXXXXXX XXXX, because they would not speak to me outside of business hours I have had to take days and partial days off to deal with this matter. I firmly believe that Freedom Mortgage would not treat a man in the manner that they have treated me, asking for documentation receiving it with valid justification from me and requesting more and more documentation. Finally, retaliating when I pushed back requesting to speak to a supervisor and refusing to provide personal financial information through unencrypted email. I have since learned that most financial institution have a portal or will use an encrypted email to exchange sensitive documentation.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  bankruptcy XXXX  XXXX reference account # 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 with my written instructions
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Executive Office, I was told XXXX and the executive team would be able to resolve this once and for all for me so I'm writing in hopes to hear back with full resolution once and for all. 

I have been a longtime and loyal customer and have had issues on my Bank of America credit card with incorrect charges and charges not belonging to me. I have reported it now several times and then was informed these are and were not prosperous handled and someone should have replied back to me and handled it within the allowable time frame. I understand now since that hasn't been done you should be liable to clear the balance on my account. I received a call and text message from you guys on Monday this week advising that there was a suspected fraudulent charge and I called In and it was again not a charge I made and I noticed you of that. I went through a process with someone in the fraud department and I think he handled it but this has been ongoing and now the account I understand is closed and I'm being reissued another card and new account number but his should have been done long ago. I haven't yet receive the new card or information but I do want to be sure you have cleared he balance to XXXX on this account that is now closed. 

I have just had both grandparents pass within weeks of each other so to have this occurring right now is so unbearably hard. I have tried handling this and now I'm at my wits end. We have stayed loyal to you Bank of America but you have done us wrong so many times it's making it very difficult. 

My husband was XXXX with you for years and was let go when you all had a major lay off here in our location and he didn't ever get his personal items mails to him as we were told and we let that go but that I thought was also poorly handled. He was laid off one day and a group of people and they were told they couldn't go back to their desks or anything and everything would be mailed to him and never was. He has things that never were replaced or sent and I think we should have followed up with your team on this. He followed up with HR and the number he was told to call an no one ever replied back. This has been over two years now so I'm sure there is no way to retrieve the items. 

I would like to know my credit card has been closed and the balance is XXXX and a new card has been mailed to me. I have not received the new card as of yet. 

Please confirm this has been completed. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX Sent from my XXXX
Consumer complaint received 2023-03-13
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: CLGF Holdco 1, LLC (MD)

In accordance with the fair credit reporting Act " XXXX XXXX XXXX XXXX XXXX XXXX '' has violated my rights. 

Under 15USC1681 section 602 states I have the right to Privacy 15USC1681 section 604a section II states a consumer reporting agency can not furnish an account with my written instructions Under 15USC1666B states A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose