davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector reports continues to report an account on my credit report that should not be there. On   XXXX   XXXX  , 2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail In the letter I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.
Consumer complaint received 2017-08-21
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. (LA)

I have been dealing with Experian credit bureau concerning a bankruptcy they are reporting since XXXX 2017. I have went back and forth with this company concerning this entry and they have done nothing to help me or remove this inaccurate entry. They have not showed me or verifyed any proof this is my debt. I am sending documents to help with my case because they are breaking the law in this case.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX IS REPORTING A DELINQUENT TITLE LOAN ACCOUNT THAT WAS SECURED WITH MY TITLE FOR MY XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT VALID.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (IN)

On XXXX XXXX 2017XXXX a person bought merchandise from me through PayPal. The buyer used a credit card on PayPal and made four {$XXXX} transactions and a {$XXXX} transaction. I shipped the items he purchased and submitted the tracking numbers to PayPal. After receiving the items, the buyer attempted to scam myself and filed several disputes with PayPal on the transactions. PayPal started deciding against the buyer and the buyer did a charge back on one item as a duplicate payment to circumvent the PayPal process. I contacted PayPal and they actually stated to me that buyers could do this and there was nothing they could do about it. It was the only way that a person can be scammed on their website. They also stated that the buyer would not be punished for this behavior. I am out {$XXXX} because of this issue and PayPal took the {$XXXX} from my account with them despite having compelling evidence that this was a scam. I requested that I be sent the financial institutions name and phone number that way I could contact them directly and they have refused to provide the information. PayPal must be held equally liable for assisting in a scam.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KS)

I had reached out to  XXXX  to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at  XXXX  advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with the Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usua l 24-48  hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and Equifax where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (CA)

XXXX is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a PayPal Credit Account that is not mine. Collection notices are coming to my house.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) about AMSHERCOLLECTIONSERVICES. They haven't provided the information I requested regarding an alleged debt, and their actions have negatively impacted my reputation.
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

During the morning of XXXX XXXX, XXXX, my purse was stolen containing my debit card and checks associated with this account. I proceeded immediately to report to the police authorities the incident and a report was filed under case number XXXX. Being XXXX XXXX I proceeded immediately to call Bank of America customer service to report the incident ( Friday XXXX XXXX, XXXX ). Two hours after, I presented myself to the XXXX XXXX branch of Bank of America, where I reported personally the issue to XXXX XXXX, in the role of Relationship Manager. On Saturday XXXX XXXX, XXXX, noticing that accounts were not closed yet, I proceeded to request XXXX XXXX Branch Manager the closure of my accounts. Her name XXXX XXXX. On Monday XXXX XXXX, XXXX, I came into XXXX XXXX XXXX, without funds in my account since thieves had withdraw by that time the amount of XXXX USD in two separate fraudulent transactions dated XXXX XXXX, XXXX that had been debited. This day the XXXX XXXX, Manager of the Downtown office received me and also did not closed or blocked the account. These funds were back posted by the bank into my account on XXXX XXXX, XXXX and XXXX XXXX, XXXX. After three visits to two branches of Bank of America and assisted by Managers the account was never closed at my request or blocked by either of them. And netiher by the Customer Service Agent on the call of XXXX XXXX XXXX. On Tuesday, XXXX XXXX, XXXX once again I visited XXXX branch and met with XXXX XXXX, Branch Manager. On Tuesday XXXX XXXX, XXXX, late night using mobile app I noted another fraud withdrawal in a form of check was performed from my account. Now this time for XXXX USD. All this after notifying Bank of America, XXXX and XXXX XXXX branches, through their Managers, and through customer service phone line. I had presented a claim of check fraud posted on XXXX XXXX, XXXX through the customer service phone line. At today 's date ( 82 days after ) the bank has not returned my funds and has created financial hardship through the ongoing process. Reason why I am asking this Bureau to represent my rights and aid with this financial institution in returning these funds with immediate effect and provide an update, response of the claim status. Numerous calls I have been placing through their claim check fraud customer service line, without receiving any response or return of funds. They just are limiting to inform claim takes up to 90 days to provide an answer, which is unacceptable. As you much have read, this is a very unfair situation, since I called the bank and was in contact personally many times with their authorities channels to avoid and prevent any fraud or withdrawal of funds from my account, but they certainly did absolutely nothing benefiting the thieves to continue withdrawing cash from my account.
Consumer complaint received 2017-04-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

I had already sold my home  and Vanderbilt Mortgage had been contacted by the closing company for the payoff. It is a cash sale. On the   XXXX  of  XXXX    XXXX   a young woman named  XXXX  called me on the phone stating I would have to pay  XXXX  on my loan or they would start foreclosure next week and I would be responsible for legal fees I got a foreclosure letter today on the  XXXX  and discovered I had until the  XXXX  of  XXXX   XXXX  to bring it up to date.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

URGENT ATTENTION CFPB BEFORE U SEND TO BUREAUS PLEASE READ! THESE ACCOUNTS WAS CHARGE OFF ON THE FOLLOWING DATE : XX/XX/2018. SINCE THEN THE ACCOUNTS HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THESE ACCOUNTS PROPERLY AFTER I ASKED YOU TO DO IT TWICE AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNTS : XXXX AND XXXX  XXXX I ATTACHED MY ID SS CARDS AND VERIFICATION OF ADDRESS
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$9700.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Customer Service American Express [ American Express Address ] Dear American Express Customer Service, I am writing to formally address my recent application for credit with your company. I believe this application has been treated as an equitable security, and I am aware that American Express has been able to derive financial benefits from it. 

As I have not received any benefits from my application, I consider this situation to amount to unauthorized use of my information. In light of this, I request a detailed explanation of how my application has been utilized and the financial gains derived from it. 

Additionally, I would like to request documentation in accordance with Generally Accepted Accounting Principles ( GAAP ) that pertains to my application. If necessary, I am prepared to conduct a CUSIP audit to ensure all transactions are transparent and accurate. 

Thank you for your prompt attention to this matter. I look forward to your response. If my request is not satisfied I will be filing a lawsuit for securities fraud. 






Don't
Consumer complaint received 2024-09-21
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)

Report Number XXXX Experian is in violation of FCRA Section It is illegal to report anything on my credit report without my permission. please remove accounts ( XXXX, XXXX, XXXX, XXXX ). Experian does not have my consent or permission to furnish anything on my report. 



Sec. XXXX. [ XXXX XXXX. XXXX ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( XXXX ) To an agency administering a State plan under section XXXX of title XXXX for use to set an initial or modified child support award.
Consumer complaint received 2017-08-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: 3rd Generation, Inc. (CA)

Company repeatedly calls about 4 times a day and then from blocked numbers. Company left a message with  private information on the voicemail. ASked the comopany to only contact me through mail. The company would call my employer and repeatedly call my phone. The company was notified of the loss of my daughter and was told to give the family time before contacting them and they still continued to call making comments like " OK and she still owes this debt '' Very insensitive about the passing away of the primary driver of the car.
Consumer complaint received 2017-08-21
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 (NC)

Contacted bank of america customer service via 1800 number on the back of my card on XXXX/XXXX/2017. was advised the transfer of funds from my credit card to my checking account would be effective within 2-5 business days. Time frame was not met, funds have still not been received. Called today at XXXX EST and spoke with a supervisor named XXXX, who advised me this would be available and fixed within no later than 2 days. Still seeking resolution and investigation. A refund was issued from a merchant, after my credit card statement was paid in full. Now my credit card has a credit of XXXX dollar balance, Which makes it difficult to use my credit card because my balance will be negative, meaning bank of america owes me money, and that will not reflect positively on my credit usage and credit utilization towards my credit score.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (WA)

Professional Credit Services showed up at my doorstep with legal paperwork outlining a debt that we owed. We attempted to call them to pay the debt, and when we did they told us that we couldnt have documentation until we put a downpayment on the debt. They told us they " dont do that. '' They want me to give them money without anything saying that they would halt the legal process. In fact the person told me that they would not proceed with legal ave ues if we paid them the money. Again no documentation was going to be given. The amount also keeps changing. It was around 550 and now its XXXX?
Consumer complaint received 2017-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Property : XXXX XXXX XXXX XXXX XXXX, WA. XXXX Owner : XXXX XXXX To Whom This May Concern ; This short sale transaction has been closed out once again through the Equator. We 've been trying to work on this now since XX/XX/XXXX. They keep closing it out because the investor is supposedly declining it. The seller had received a letter from Bank of America back in XX/XX/XXXX ( please see attached ) stating if she participated in the short sale process she would be eligible for $ XXXX for her corporation to be able to relocate.
I feel that the letter received from Bank of America to our mutual client should be honored as it states on the letter. It does not state only if she qualified for the program or if the investor approved the short sale. It was very misleading.
Also their is now a foreclosure sale date set on the property for XX/XX/XXXX.
Please help us help our client avoid foreclosure. She has tried to do everything possible to avoid foreclosure, along with trying to complete a modification which she was denied of to.
We all believe that it 's not right to not honor the letter she had received informing her she was able to proceed with the short sale of the home and to be able to receive the incentive that was offered for her to participate in the program with Bank of America. The buyers we have are still interested in purchasing this home and the offer received is a fair market offer on the property in questioned.
Please advise as to what can be done about this.
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

When the company was   XXXX   XXXX  , I had taken out a private student loan with them to complete my medical education. I had taken a loan out approximately  XX/XX/XXXX / XX/XX/XXXX  for {$25000.00}. The loan with interest had ballooned to over {$37000.00}. I have been paying on this loan for over ten years. After all this time, I still owe {$22000.00}. I pay {$230.00} a month. My last payment is scheduled for  XX/XX/XXXX . I have called Navient on a few occasions to see what were my options. The only option given to me was to go into forbearance. However to do a forbearance I was told that I must pay what I recall was a  XXXX  fee. This would only be a few months and I was limited on the number of times in which I could do it over the life of the loan. I believe it was twice.
My complaint is that I have always been on time with my payment as a responsible borrower and I never defaulted on the loan. This company is not willing to help me as a consumer. I am seeking if I can restructure my loan to lower payments and to settle half of my loan and pay it back in a shorter period of time.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I had  3  auto loans with   XXXX   and was late  one  x for 20 days on one xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  3  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
Consumer complaint received 2016-09-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2016 my employer sent my salary by way of direct deposit to a Chase checking account where I was no longer the account holder. I contacted Chase Bank on XX/XX/2016 when I realized that my check was not rerouted to my new bank. I spoke to a Chase employee in collections and overdraft protection, who informed me after talking to her senior specialist that my check would be rejected and returned to my payroll department, and it would take 4 days. 


In 4 days I began to call Chase Bank again and I continuously called the bank for information because the check was not returned. On XX/XX/2016, I was lastly informed that due to the fact that the account was in the negative it does not matter if I am no longer on the account, they are not going to return it and that the request need to come from my Human Resource Department to request the return of the deposit if it was deposited into the incorrect account. 

I contacted my payroll department who informed me that they were not familiar with that process and if a direct deposit by error is deposited into an account which I am no longer the account holder the Bank should return the check. Being the XXXX, I sent a request on City letterhead via certified mail to the Executive Offices of Chase Bank at XXXX XXXX XXXX XXXX Tx, XXXX requesting the refund of the check on XX/XX/2016. I requested a return explaining the check was deposited into an incorrect account and I have not received a response to my letter or a refund of my misapplied funds. Please assist me with this matter.