davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MI)

On XX/XX/XXXX I filed a complaint against Cavalry Portfolio ( see previous complaint XXXX ) One of my claims was that this account was eight ( 8 ) years old since date of last activity, 2 years past the Michigan statute of limitations and at least one ( 1 ) year past the allowed timeframe to report to the credit bureaus. 

Another claim I made was that Cavalry willfully re-aged this debt to allow them top place it on my credit reports. 

I received Cavalry Portfolio 's response dated XX/XX/XXXX ( see attached letter ) in their response Cavarly admits they inaccurately reported this debt as date of last activity being XX/XX/XXXX. 
Cavalry also admits this debt was charged of in XX/XX/XXXX ( something they willfully did not report to the credit bureaus. 
Cavalry also states the this account will no longer be reported to the Credit Bureaus. ( see attached letter dated XX/XX/XXXX. " We are no longer reporting this account to Consumer Reporting Agencies ( CRAs ) However, this account continues to be on my XXXX, XXXX and XXXX reports. Cavarly NEVER acknowledged they would contact the CRAs to delete this account. Although it is required by law for them top do so. 
Damages continue to mount against me
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc (TX)

Background check reports a warrant for my arrest. At the time it was accurate, but I have corrected the issue with CERTIFIED forms that the case is dismissed. This report is still keeping me from being hired form jobs. 

I would like it to be corrected. 

The companies involved is GIS, and the USPS HR department.
Consumer complaint received 2018-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX, I got an alert from my XXXX account stating that a new collection was on my account from IC Systems in the amount of XXXX. I never received a call or letter from them stating that I had this debt. I remember earlier in the year showing a collection account on my credit from XXXX totaling the same amount. I notified them and was given information regarding the debt, and I told them that wasn't mine debt, because the service address was one I never lived at. The rep told me at that time that I need to submit an identity theft packet to XXXX who was the one reporting the debt. I completed the packet and even got it notarized, and submitted all the information to XXXX. The debt was deleted from credit report. However, now the same account is being reported through another collection agency. I've reached out to them and made them aware that this debt is fraud, and that I submitted the necessary paperwork to XXXX to remove this debt. This morning I received another alert saying that IC Systems flagged the my credit report again. 
Collections Agency : IC Systems Debt company : XXXX Account Number : XXXX Date account was opened : XX/XX/2012 Collections Reference number : XXXX
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Good Afternoon : I was sold a vehicle with a rebuilt title during my bankruptcy proceeding. Since I had the vehicle from XX/XX/2016 there have been major over hauls done on it about {$5000.00} worth. In XX/XX/2016 while on Family vacation in XXXX the truck stopped on us and would not restart. I purchased a battery and new starter neither of those fixed the issue, so my brother ended up towing us to XXXX. 

I emailed XXXX XXXX XXXX the Vice President of XXXX XXXX   and XXXX XXXX a account rep on XX/XX/XXXX. I asked them to come get the vehicle because I was not going to pay for a truck again that I could not drive they have not came yet. XXXX XXXX keeps calling and sending emails saying I can't run from my responsibilty and that I still owe a debt. I emailed agin on XX/XX/XXXX and no one has come get the vehicle. I need them to one STOP CALLING MY JOB. We can't receive personal business call and two come get their vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX calls my job again I will pursue legal action against her and XXXX XXXX.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

I had previously gotten a response from US Bank on XX/XX/XXXX that it is actively trying to resolve my issue and recover my money from 2 fraudulent gift cards. It is not XX/XX/XXXX and I haven't received my gift cards. My original complaint is below and I am attaching US Bank 's response to my first CFPB complaint. 

On XX/XX/XXXX, I purchased 2 Mastercard gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, XXXX. I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, XXXX   on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX   in XXXX XXXX, XXXX  on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank Mastercards, which is more concerning.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

if a person has a personal checking account with a bank and they write another person a personal check from that account and I go to that bank to cash that check that I do not have any account there can they charge you a fee to cash that check as high as {$8.00}.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Received a letter from the collection from XXXX XXXX who work at XXXX XXXX XXXX XXXX. The manager of the apartment already contact him telling that I am no in the contract lease but he didnt answer. I contact him 3 times asking for the name of his boss or manager he didnt give me the name. His answer was he doesnt know anything, he can no do anything instead he try to send me to a customer service when I said no I need the name of your boss he hang up the phone. Thanks to XXXX XXXX my credit score is down and I am in collection for within that I am no owe. I hope you guys can stop this kind of abusive and make this guy fired for be so unprofessional and disrespectful.
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau Services, Inc. (TX)

This is not a debt I accrued. The debt is under a last name of XXXX. My name is XXXX XXXX. I have called the collection agency but they are very rude and I do not believe that they are taking me seriously. This is not my debt. What do I do? 

This is the info on my credit report : Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7100.00} Amount {$7100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap XXXX
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (MN)

I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, Equifax and XXXX XXXX credit report.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To : Experian, XXXX, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Short version is there is a hard pull being erroneously reported to XXXX by the bank ( HSBC ). 

XX/XX/XXXX - I downgrade my creditcard with a phone agent named XXXX, she confirms that there will be no hard pull for this downgrade XX/XX/XXXX - hard pull appears on my credit report, HSBC agent tries to convince me that it is a soft check, I provide evidence showing it's indeed hard and not soft XX/XX/XXXX - HSBC agent XXXX admits erroneous hard pull, provides nominal handout XX/XX/XXXX - HSBC agent XXXX requests the inquiry on XX/XX/XXXX be removed, and that I should wait 60 days for this change to reflect with the credit bureaus. 

Hard pull still being erroneously reported, HSBC tells me that " it only affects my score up to 90 days so who cares. ''
Consumer complaint received 2024-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

USAA FED SVG BK - SAN AN Account Number : XXXX Charge Amount : {$93000.00} Date Opened : XX/XX/2023 Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

I received a discharge letter regarding my loans with XXXX XXXX XXXX on XX/XX/year>. I am still awaiting my balance to show the discharge. Upon chatting with an aidvantage representative, I was told it can take seven months or more. It has been twice that so far. I need the balance to reflect my actual balance so that I am able to obtain loans for a XXXX XXXX I am pursuing.
Consumer complaint received 2024-09-04
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

XXXX I signed a modification document, that stated unknown to me that I would be liable for XXXX for the modification. That amount showed up on my loan XX/XX/XXXX, and I was shocked. I did not realize such a thing existed. I feel I was taken advantage of during a time when all others were losing their homes, and I tried to retain mine. As a senior ciziten, I feel horrible that someone would even write such a document to keep someone in their home. Seterus enforced this and I am opposed to it. It is unhuman to do this to another person. Seterus, has received XXXX from Keep Your Home California for me XXXX, XXXX, to be applied to the principal balance, a statement that I asked to see prior to signing but they are not allowed to send until I sign the proposed modification which is fraud. I want to know where did the money go, what is the new principal balance and the documents sent does not clarity that. Why is my payment still so high. My payment prior to reciving the XXXX was XXXX per month. Now, with the XXXX applied my payment are only reduced by XXXX a month. When contacting Keep Your Home California they said it's should be worked out between me and the service but Seterus told me to sign or else.

I fear Seterus as they are not a good company and they do not have clients interest especially elders at hearXXXX. Can you help me!
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (DC)

My husband and I went to XXXX to look at some small dogs XX/XX/XXXX. While we were there we fell in love with a 3 months old XXXX so we asked the clerk how much are they asking for the puppy. She stated {$1400.00} which I thought that price was a little deep but my husband was so adamant about taking her home so we asked about financing, She said all she needs is some information from me and to see if I can get approved. So she was using a small tablet to do the application for me and since I had the strongest credit score, I provide her with my credential. She informed me that I was approved by XXXX XXXX. The FINANCE amount is {$1300.00}. My husband and I agreed to pay the {$1300.00} early. In XX/XX/XXXX I check my credit report and saw that Monterey Financial Services was reporting a balance for {$3500.00}. I immediately called Monterey Financial and asked the female representative why are they reporting the balance {$3500.00} and what this for, she indicated that they are now servicing the loan from XXXX XXXX. I thought I was approved for {$1300.00}. The representative stated that I am LEASING THE DOG and that the {$3500.00} is the amount for 24 months lease. I was extremely bothered by this. I travel a lot on my job so I didn't have time to handle this accordingly. On XX/XX/XXXX, I called Monterey to asked why the payoff balance is not available online and why they don't provide you with a bill by mail. The representative informed me that you have to call them and they will provide a verbal quote. WHAT? I asked the representative why do we have to call you when it is difficult at times trying to reach a representative. On XX/XX/XXXX, I finally reached someone over the phone and I spoke with ( XXXX ). I asked XXXX for a payoff and she quoted me {$970.00} for an early payoff. I informed XXXX that her company is 1. predatory practices 2. the company is preying on consumers and 3. I am disputing this payoff after we have already PAID {$1800.00} and we will not send this another dime. I asked XXXX to email me the quote to have this ridiculous payoff in black and white. XXXX XXXX ( XXXX ) sent the email and I responded to the email to inform XXXX XXXX I dispute the quote in writing and to ask her how she came to the payoff quote after the online payment history does not provide itemizes details. I requested for XXXX XXXX XXXX ( XXXX ) to provide me with the information before the close of business if XX/XX/XXXX, or I considered the payoff invalid. XXXX XXXX sent me an email XX/XX/XXXX, with some figures she typed in the body of the email. I will attach the email conversation to my complaint.
Consumer complaint received 2024-12-03
Product: Credit 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: CITIBANK, N.A. (FL)

I made a payment to my car insurance using the third party billing company, XXXX. The charge went through as a regular purchase with a delivery fee of {$13.00} imposed by XXXX. 
When I looked at my credit card account online ( Citibank ), I discovered the charge had been processed as a cash advance with a fee and approximately 21 % interest accruing daily. 
I immediately called Citicard who said it was the XXXX code that XXXX uses ( XXXX ) which shows the merchant is a mortgage company/non-financial institution/travelers checks. 
When I called XXXX, they said that they had processed the transaction correctly, and could not help me. 
So here I am, a consumer stuck in the middle, with no assistance in resolving my issue. 
I have made several attempts to escalate my concern at both Citibank and XXXX. I have been denied the right to speak to a supervisor on several of my calls to both XXXX and Citibank. I have never been able to speak to someone who speaks XXXX as a first language. Apparently, these people no longer exist. 
I am completely frustrated with the lack of professionalism by both companies. Today ( XX/XX/year> ) I finally got transferred to someone who, with a rather heavy accent, said he was a supervisor at Citibank, and he disconnected the call while I was speaking. Actually, what he did was to route my call back to the initial automated greeting in the middle of my question. 
Please look into the practices of both of these companies. This complaint is against Citicard Credit Cards. I am submitting a separate report on XXXX. 
I have included a screenshot of the transaction as it appears on my online Citicard account, and a copy of the email I received from XXXX explaining that the problem allegedly rests with Citicard. 
Thank you for investigating my case. 

XXXX XXXX XXXX XXXX XXXX