davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (NY)

There is a collection account on my credit report from Cavalry Portfolio Services. It says they are reporting it every single month, which is just another means of harassment to get someone to pay. I have never even taken out a credit card with XXXX XXXX in the amount of {$440.00}. They are also reporting this as late, but I do n't even know how it 's possible to be late on a supposed collection account. I do n't have a contract with them. In fact, on their very own " validation '' it says previous arrangements are not applicable. There 's nothing to be late on. I 've never even been contacted by them. I 've never been contacted by XXXX XXXX about this account either. In fact, I just opened a new credit card account in XXXX with XXXX XXXX, but Cavalry just keeps reporting this collection item and on top of it report it as late every month. I called Cavalry again on XXXX/XXXX/16 at XXXX and requested validation of this debt. I was told that they do not own the debt and that they are not reporting, which again then should n't be on my credit report because it says being reported by Cavalry every single month for YEARS. Cavalry told me that XXXX XXXX owns this account and gave me their number. XXXX told me that they are owned by Cavalry and Cavalry is the one reporting this. I called Cavalry back again at XXXX and I again was told that there 's nothing that they can do and they are n't the ones reporting this although it 's on all three credit reports as such. I called XXXX XXXX back yet again and asked again about validation. I told them that if it is somehow indeed a valid debt that I would pay them, but they just told me that I should just know if a debt is mine or not and if they send me validation that it will just say that I owe {$440.00} and pressured me to just pay them over the phone and when I requested validation yet again they got gruff and hung up. A month and three days later ( today ) I called XXXX back to ask about my alleged account and spoke with XXXX XXXX at XXXX and she told me that after I asked for validation on XXXX, Cavalry recalled the debt the very next day. They are simply trying to hide that they never even owned this debt while they were reporting it, incorrectly reported and are shuffling this back and forth so that I ca n't do anything about it. Cavalry and their subsidiary ( if they even are a subsidiary! ) are just giving me the run around and it 's unethical and this needs to be deleted from my credit reports. Furthermore, each time a debt is assigned or sold to a new collection agency or law firm, that agency must advise me, very specifically, that I have a right to dispute the debt and request verification of the debt. I requested validation of my own volition numerous times and I have NEVER received a right to dispute.This notice is required pursuant to 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On the morning of XXXX XXXX, I wake up to find that my account is down {$500.00} from a withdraw on the previous night. I check my account to find out that there has been a deposit using a check in the amount of {$520.00} and then a concurrent withdraw of {$500.00}. I file a claim of bank fraud for both transactions. Because the check was bounced back, they closed the deposit claim. Then they just rejected my {$500.00} withdraw claim so now I 'm out {$500.00}. The deposit/withdraw was made at a bank I rarely use so I do n't know what 's going on. I have already requested to see whatever film they have on file. 

I have attached a the phony check ( both front and back ), the resolution letters of both claims, the statement of the transaction on it, and the account notice of the freeze of the phony check. 

Now additionally, there has been XXXX separate instance where Bank of America told me they were sending my debit card ( as a follow up to this instance ) and a credit card ( as a follow up to a previous instance ) via regular mail only to never arrive, and I had to call back to get one expedited to me.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Acquired a Capitol One Venture Card for trip to XXXX 6 or so weeks before the travel. 
When the cards arrived we called to inform them of the specifics of our travel, and requested a pin number which arrived by mail shortly. We called to change the numbers ( I believe this was automated ). 
On arrival in XXXX, we could not get cash with our pins. We did get one or two uses of the card, and then it was blocked. No call was received as is usual on our cell phone, nor on our home number when I had a relative check. As we had a back-up card and bank debit card, we switched to that use rather than incur the cost of phone calls to Capitol One. Calling today, Capitol One did not have the travel times, nor the cell number and claimed our home number was out of service ( a relative was here ). 
So, consumer beware. 
( What 's NOT in my wallet? )
Consumer complaint received 2023-06-16
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} 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 2017-02-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello. 

The story here might sound strange. This credit card was never opened by my permission, and i have never opened or ordered to open any credit card from Bank Of America. 

When i first saw a charge on my account from the credit card company i went to the bank to ask about it and i have been told they will take care of it. Month later i saw charge again and i went again to the bank. This time i did n't have money in the account enough to cover the charge so i have been charged also for negative balance fee. 

This happened 4 times in a raw and i did n't want to pay the balance because i was n't the XXXX who made the mistake. They ruined my credit and i could n't get car or loan or any normal service from anyone that asked for my social security number. 

Today i want to take care of this issue completely. I need your help please. 

Thank you, XXXX XXXX.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My mom is XXXX years old. She 's always on time but this month she did n't pay her bill on time, she paid 5 days late. Her mind has been preoccupied with the health of XXXX of my uncle ' that are XXXX. She 's having a hard time accepting the late fee. When she called them they said she had to pay. That it rightfully due. My mom became really upset. She does n't understand why they wo n't refund her account as a courtesy. She was n't happy by the supervisors attitude. Especially because she has had bad customer service experience with this bank. She 's never had a problem with other banks.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-18
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. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I try since XX/XX/XXXX to have an accurate credit report with equifax. 

They act like syndicate, no reply, wrong information and they dont care! 

Its my last request before to ask my lawyer to ask for damage because this situation has impact my life financially and its always with equifax! 

I ask you to report the right way my account loan : XXXX XXXX open XX/XX/XXXX in good standing 5 payment on time of XXXX $ Balance XXXX . 

I ask you to update and respect the law! 

Thank you!
Consumer complaint received 2019-02-11
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: JPMORGAN CHASE & CO. (HI)

I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

on both of my credit reports XXXX XXXX and Equifax is showing bankruptcy even though I dismissed that bankruptcy that the lawyer was misleading me into, and I settled the case with XXXX regarding my line of credit.Bankrupcy is dismissed and it is showing as active on my credit reports.Can it be corrected please?
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I ( co-borrower ) am currently applying for a modification with Bayview Loan Servicing. My file was under review, until I was notified by the underwriter that I must remove the primary borrower ( quit claim deed ) in order to proceed with my modification request. This to me seems to be unethical, that in order to continue the review for a modification my wife must relinquish her rights to the property per the hardship. 
Our current hardship is that we have legally separated. We both agreed to work on resolving the mortgage issue as we are both responsible for the loan. We have provided proof to our servicer that my wife ( borrower ) is not contributing to the household income. Yet this did not satisfy the servicer. 
The servicer is now requesting the removal of my wife from title, through a quit claim deed, so that my file remains under review. Please help us to determine if in fact this is truly a requirement for a modification review.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (GA)

ACS ( XXXX XXXX ) is intentionally and fraudulently misreporting information on my credit reports. In XX/XX/XXXX, I noticed that late payments were reporting on a CLOSED account that had an account status of PAID AS AGREED. Those late payments were negatively impacting my credit score so I wanted them investigated. 
It should also be noted, this account has been reporting as PAID and CLOSED since XX/XX/XXXX. 
In XX/XX/XXXX, the result of the dispute was verified AND the ACCOUNT STATUS was fraudulently changed from PAID AS AGREED to PAYS 60-90 days late? How can a PAID AND CLOSED account status be changed to PAYS 60-90 days late, 5 years after the account was closed? 
I initially filed a complaint against XXXX XXXX because I had no idea who ACS was? XXXX XXXX, in fact, confirmed that they never reported ANY account delinquencies to the credit bureaus regarding ANY of MY ACCOUNTS ; supporting documentation attached. However, the account continued to report PAYS 60-90 DAYS LATE so I decided to do additional research on ACS. 
According to XXXX, ACS took over accounts from XXXX XXXX in XX/XX/XXXX which was 3 years AFTER my account was PAID and CLOSED so how could they " verify '' or CHANGE my ACCOUNT STATUS from PAID AS AGREED to PAYS 60-90 DAYS Late? 
This does not make sense therefore I am filing a CFPB complaint against ACS for fraudulent misreporting to the credit bureaus that is NOT in compliance with the METRO 2 Reporting Guidelines and a direct violation of the Federal Credit Reporting Act.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NCC Business Services, Inc. (MD)

I have referred a complaint to the Department XXXX ( XXXX MD ) and XXXX Services for resolution. The defendant sent my account to NCC Business Services for collections. This entity failed to send me a notice of debt - for more than a week. I called the CEO and he cut off my call. I continue receiving calls, the company is still refusing to send me the letter of debt, nor acknowledge that the matter is still under review between me and my previous landlord. 

The landlord in question is XXXX XXXX. This company opted to threaten us with an adverse incident on our credit record, rather than trying to resolve the underlying complaint. Their verbal statement was, " We did not feel the need to respond to your email, because we knew we would XXXX up your credit if you do n't pay us. '' Consequently, we filed the necessary complaint with our county. They continued to pass on the debt to NCC, who started their campaign of abuse. During the latest call this morning I was told that I was not going to receive the notice of debt at all. I was just to pay.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (SD)

I realized on XX/XX/XXXX that I overpaid my XXXX XXXX ( XXXX ) by {$920.00} due to making a payment and having one scheduled. My account was at a XXXX balance ; therefore, I have a {$920.00} credit. I called on XX/XX/XXXX to request this be deposited back in to my bank account. The rep said general practice is to send a check that I would get in 7-10 business days. I demanded the money be deposited back in to my account. She said it would take the same amount of time and I said that was fine. On XX/XX/XXXX I called to get status ; I was told it was still in process and to give it a few more days. I called a couple more times, but do not have those dates. Yesterday ( XXXX ) I called again and demanded to speak to a supervisor because I still did not get my money back. On another date I demanded to speak to a supervisor and got transferred to another CSR who admitted she was not a supervisor. The supervisor I spoke with yesterday said she would get this escalated and that when I called on XX/XX/XXXX the CSR did not do anything to get the process started. When I called on XX/XX/XXXX no one mentioned that. When I would call to get status I was always just told to give it a little more time. The supervisor I spoke with yesterday said she would call me back that day. I have yet to get a call back and still have not gotten my {$920.00} credit. I'm a single mother who needs this to pay my mortgage. I'm beginning to think I will never get it.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: VYSTAR CREDIT UNION (FL)

This credit union is charging courtesy fees for no reason. My account was charged a {$29.00} fee for no reason on XX/XX/2023. The bank contact is out of the office until XX/XX/2023 and the customer service representatives will not correct the issue. There was no reason for a fee to be charged on my account.
Consumer complaint received 2017-02-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (NY)

central credit services and XXXX credit systems continually call up to XXXX times a day stsrting before XXXX for someone that does not live at my telephone #. I am a senior citizen, they are harrassing me and refuse to stop contacting me. 
collector calls : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-06-15
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. (FL)

A COLLECTION XXXX XXXX  XXXX  APPEARED ON MY XXXX, XXXX AND EXPERIAN. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor '', with a reported balance still owing of {$1200.00}. ( See attached Credit Report excerpt ) Their statement was misleading.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Dear Sir or Madam, I am hereby submitting a complaint to Citizens One Home Loans and their escrow waiver fee policy. For the past three months, I 've been trying to cancel and waiver my escrow service with Citizens One Home Loans. However, before I am able to do so, I must pay Citizens One an escrow waiver fee of approximately {$960.00} in order to cancel my escrow service. 

In review of my signed documents ( the good faith estimate and truth in lending documents ), there is no mention of an escrow waiver fee and this was further confirmed by Citizens One 's own review. In addition, no mention of an escrow waiver fee was informed to me by my loan officer at any point of the mortgage process, either in person, phone or by email. 

Despite of all this, Citizens One Home Loans insists that I pay an escrow waiver fee in order to cancel my escrow service. As a result, I am submitting this complaint that Citizens One is unfairly demanding a fee for which I had prior knowledge of and/or accepted as part my mortgage loan agreement/contract.