davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

In response to a debt collection letter, I sent Cavalry Portfolio Services a certified letter dated XXXX XXXX, XXXX requesting Verification of Debt demanding the production of certain documents. Cavalry responded with a letter dates XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX I sent them a second letter advising Cavalry of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XXXX XXXX, XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department XXXX XXXX XXXX fined Cavalry Portfolio Services the sum of {$170000.00} on XXXX XXXX, XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1000.00} 2. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$2700.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$460.00} Fraudulent Inquiry : 1. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Greetings. I am disputing a charge-off that is listed on my credit report. The account in question is with XXXX XXXX XXXX for a retail installment contract. Page 3 section 2 ( c ) acknowledges that the security interest that I gave to XXXX, secures all that I owed on the contract as well as other agreements in the contract. Instead of abiding by signed contract, XXXX repossessed the vehicle for non-payment and reported this information to credit bureaus. Additionally, XXXX and Transunion have refused to reflect that the account has been properly paid in full. Both have listed the account on the report as delinquent/collections, which is not correct. I have also contacted XXXX via phone and written correspondence, to limit the sharing of my personal information, including information about my credit worthiness, which is my right as a federally protected consumer. The representative at XXXX verified that my information would not be shared and yet the account still shows on my Transunion and XXXX reports. This same information was reported to the credit bureaus in oral and written correspondence and no changes have been made. I have taken all the necessary steps to clear up this issue and still experience undue hardships from the failures of the referenced companies. I have followed the procedures outlined in 12 CFR Part 1016 to insure that I am in compliance and well within my rights, however the companies ignore these regulations. 
Furthermore, XXXX 's Privacy notice clearly states that there will be sharing of information of my transactions, experiences, and information about my credit worthiness, but only with affiliates. The notice then defines affiliates as companies related by common ownership or control. They can be financial and nonfinancial companies. This privacy notice lists the companies deemed as affiliates and Transunion and XXXX are NOT affiliates of this credit union, by their own definition. I have included a copy of the retail sales contract verifying the full payment of the vehicle I purchased as well as the privacy notice provided by XXXX that confirms that I am not only well within my federal rights to limit the sharing of my personal information, including info about my credit worthiness, but also to highlight that even when I followed the directions that they have provided, I have still been denied my requests.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

This complaint is about the Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I XXXX XXXX XXXX previous account # XXXX was told by Wells Fargo Mortgage that the Foreclosure was suspended. I am on a pre-modification at this time. I have made my first payment XXXX XXXX 2016. and will be making my second payment Febuary XXXX 2016, I have received a XXXX Court Letter from Wells fargo attorney Stating They were not informed of any Suspension court date is XXXX XXXX 2016.
Consumer complaint received 2015-11-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NJ)

Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I received a letter dated XXXX XXXX, 2016 from the Nationstar that Nationstar is unable to offer me a modification because I am current on my mortgage loan and after reviewing the financial information I provided Nationstar has determined that I am not at risk for missing my payments either because following you have not sufficiently documented a financial hardship, you have enough net income and you have ability to pay your current mortgage payment etc.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Guglielmo and Associates (NV)

There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of 13 years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. 
This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. 
Please see case # XXXX in ( Nevada ) XXXX Justice Court.
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I have asked Carrington Mortgage to stop calling me to sell me a refinance of an existing mortgage. They call every 10 days to 2 weeks. Last week ( XXXX or so ) I called customer service directly and asked them to stop with the calls or I would be filing a complaint. Here we are XXXX and I have a message on my machine " Update on my account '' with a phone number to call. I WANT THEM TO STOP CALLING ME! My loan is in good status and was sold to them.
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated (MO)

I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Commonwealth Financial Systems, Inc. (PA)

I recently attempted to obtain a mortgage, at which time I discovered that Commonwealth Financial Systems had a judgment against me for {$4000.00} ( for a XXXX XXXX credit card from XX/XX/XXXX ). I was never notified that there was a lawsuit pending against me. I went to the XXXX Court system website and printed out the entire case file. It was then that I noticed that they documented at least 5 unsuccessful attempts to serve me with the paperwork. The final attempt, which they say was successful, is dated XXXX/XXXX/XXXX. I did not move to my current address until XXXX/XXXX/XXXX. It is at this address that they claimed they served me. Which is patently false. The file says the case was dismissed once for failure to notify me, and I feel that legally they can not uphold a judgment that was obtained without my knowledge. I need some guidance to see if I can have the judgment overturned based on the affidavit of service that indicates that I received the subpoena a full 9 months before I even moved to my current address. If I am able to have it overturned, they will not be able to sue me again, since the 4-year statute of limitations has long since passed on this debt. I am attaching the full copy of the case file. I also have a copy of my current apartment lease that can be furnished if needed. Please advise what my next step should be in this issue.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received a life insurance check for {$130000.00} and went to put it into my bank account through the bank 's ATM on XX/XX/XXXX. While I was doing that, I changed my mind and decided that I should go into the bank to deposit it, so I cancelled the ATM deposit. I went into the bank on Monday XX/XX/XXXX where I deposited it into my account with the help of a bank associate. Later that day, I went to the store and when I tried to use my debit card, it was declined. I called the bank in the store and I was told over the phone that the bank decided to close my account. On Tuesday XX/XX/XXXX I went into the bank to see if I could withdraw funds from the bank so I can deposit the funds into my new bank account, but I was told that I was not allowed to remove funds from my account. I called the bank customer service number and was told that the account would be closed XX/XX/XXXX and the funds would be mailed in a check once the account is closed.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Gatestone & Co. International Inc. (WA)

Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt.
Consumer complaint received 2015-04-30
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated (FL)

Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called Reg adjustment bureau. The next morning I called them, they claim to be collected for a company called XXXX XXXX XXXX XXXX and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to XXXX XXXX XXXX XXXX, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither XXXX XXXX nor Reg adjustment Bureau is taking responsibility for adding that mark on my credit report. Reg Adjustment Bureau is asking me to pay them XXXX to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.
Consumer complaint received 2015-04-30
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I had entered into a purchase agreement for a vehicle, XXXX dodge caliber through XXXX located in XXXX, XXXX. Which was financed by : Santander Consumer USA, XXXX. XXXX XXXX, XXXX, XXXX XXXX : XXXX. This purchase agreement started XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. Even though they where listed I had agreed to continue making agreed payments which i did up to now. Now this is my complaint XXXX refuses to update credit agencies of my account and my on time/correct payments. I have contacted them on different occasion and the credit agencies said there is nothing they can do, this information has to come the financing company. This company has hendered me from getting refinanced as they have refused to do, which kept me in a high interest rate loan. I have just recently been able to get refinanced through XXXX XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 2016-01-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA Credit Card Services notified my employer of 19 years, who as a result of the debt took legal action against me, terminating my employment. USAA Credit Card Services, made no attempt to contact me directly, before disclosing the debt to my employer, nor did they follow procedures to provide me the opportunity to validate the debt, before sensitive information was disclosed to my employer.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I recently set up a checking account with CapOne360. I deposted {$4000.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.
Consumer complaint received 2016-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Crown Asset Management, LLC, Duluth, GA Branch (NV)

The debt collector from Crown Management XXXX XXXX keeps calling me for a magnolia schmit but I already told them I do not know her 3 times. They said she gave them my name and number for a references which was not true, they said they were actually looking for my ex and asked for his number at first and his brother I did not authorize them or anyone of them to even have my number. I have repeatedly told him and his supervisor to stop calling my phone looking for her. I have called them back and asked for their address so I can send them a letter to stop calling me and he still insisted on asking me to tell XXXX to call him, and would n't give me the address.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (SC)

I just received my XXXX invoice for a credit card I do n't even know how I signed up for it. I called Paypal and they informed me that because I gave them me my last XXXX digits of my SS # during a purchase that It automatically signed me up for this card. I have never received a card. I did not sign up for this card and would not sign up for this card. The interest rate on this card is 19.99 %. I have a extremely high credit score and would have never agreed to that rate. I have a debit card and a credit card link to my account on eBay. I always assumed the Paypal credit option on the list was just for advertisement purposes. In 2015 it should be impossible to unknowingly sign up for a credit card. I feel like Paypal is very deceitful and not using ethical business practices.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.