davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III (CA)

XXXX XXXX states that they have requested this be removed from my credit reports. It is no longer on my XXXX report but appears on my XXXX ( please see attachment ). When I dispute it with XXXX, it comes back verified and they will not remove it! I want to see proof where it shows removed on your end because you failed to attach it last time! This is my third time disputing this with XXXX and this will be my last time before I take further action!
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lloyd & McDaniel, PLC (MI)

I had a garnishment overturned by XXXX District court in XX/XX/XXXX XXXX and XXXX refused to notify the department of treasury or anyone that my payments no longer where to be sent to them and on XX/XX/XXXX the department of treasury issued them a check I was told XX/XX/XXXX that they had no payment for me from the department of treasury I called again days later and was told I would have to wait 60 days for XXXX and XXXX to send me my refund check XXXX I was told that on XX/XX/XXXX a check was sent in the mail to my correct address I told them I never received it but I check with local postage XX/XX/XXXX I was told the check had just that day came back to them returned mailed and the check was actually sent XX/XX/XXXX but they would have to locate it within their return mail so they can send it again XX/XX/XXXX I was told they found it but have to wait to reissue it and they dont know how long it will take after they told me the original check was good for 90 days and theyd just resend it in the mail I never owed them anything I was wrongfully accused they are offering no interest or to expedite my payment or even other payment options they said they only accept and only issue checks out they have an online payment portal which allows debit credit or ach payment methods I feel defrauded this has collaterally created hardship for me after months for money I needed at its appropriate due time to keep my self afloat these people are committing fraud and breaching the court agreement they are telling blatant lies everytime I call there is a different story or different reason they found I didnt receive my payment and theirs nothing they can really do but and advise me to wait and apologize for the inconvenience but these same people sued me and garnished my pay and continuously refuse to send me MY MONEY THAT I GET UP AND GO TO WORK FOR
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

Today I tried to call the company to get the debt resolved. They would not verify the correct amount to me in the beginning. The first representative I spoke to was XXXX XXXX. He harassed me on the phone and I requested to speak with someone else he told me that he was the only one who could speak with me on this account and that he would not transfer me to anyone else, I told him that I would like to speak with Manager and he said he can handle whatever I need to. I asked two times if I could please get transferred to someone else he told me no and then I hung up. I called back and I asked if I could please speak with a manager or someone else the rep representative transferred be back to XXXX XXXX, after I clearly stated that I do not want to speak with him, I dont feel comfortable speaking with him. He was rude and told me that hes the only one who could speak with me on my account and I told him at this point I just dont feel comfortable speaking with you. My concerns are not being addressed. I felt so uncomfortable and harassed that I could not speak with anyone else and he had me on the phone. While I was trying to get the correct information. He finally transferred me over to another representative, and I requested to please speak with a female. They said that they would only send me to voicemail. I called back a few hours later and requested to speak with the female and her name was XXXX when we went over everything I told her I did not feel comfortable speaking with XXXX and if I could, please just work with her. Then I wanted to confirm the information on the debt that allegedly was collected she would not verify what the accruing interest is with me, and when I asked you to please verify she was very rude and said that she would not do the math for me or verify any additional information. That I had to figure it out myself.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OK)

I asked XXXX to remove the bankruptcy bylaw. I did not give them consent to put that on my credit profile. I also asked him to remove XXXX XXXXXXXX because it was open fraudulently also, XXXX which is Best Buy XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several other cards that was open without my knowledge I have provided them with the correct information on my report with my address including phone numbers in a real email that belongs to me
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (FL)

US Bank forced placed lender sponsored XXXX XXXX  insurance on my account for a XXXX lapse that occurred while the property was transitioning from construction status to occupancy. The forced insurance was placed at a predatory cost of nearly XXXX XXXX of market pricing and not until XXXX months after the lapse began and XXXX months after I had secured my own private policy. The cost of the policy is {$8500.00} for XXXX months!!! The lapse began in early XX/XX/2024. The new private policy I purchased was effective on XX/XX/2024. The forced-placed policy was imposed on me on XX/XX/2024, which is more than XXXX months after my private policy was secured and XXXX months after the lapse began. So, I am effectively being charged XXXX times the market price for a policy that wasn't even in place during the relevant lapse period and for a window of time during which there was no insurance claim made on the home. This is XXXX XXXX behavior that victimizes unsuspecting and/or helpless consumers and it must be punished. Completely unacceptable.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (VA)

CFPB Complaint Against Cavalry Portfolio Services , LLC Subject : CFPB Complaint Against Cavalry Portfolio Services , LLC for Attempting to Collect Discharged Debt Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Cavalry Portfolio Services , LLC for attempting to collect a debt that does not exist, as it was discharged. Cavalry Portfolio Services has continued to attempt collection actions on this account, despite this debt being uncollectible due to its discharge.

Details of Complaint : - Cavalry Account No. : XXXX- Case No. : XXXX - Consumer Name : XXXX XXXX On or about XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX XXXX. which was subsequently charged off on XX/XX/XXXX. On XX/XX/XXXX, this debt was transferred to Cavalry Portfolio Services. However, this debt has been discharged, making it uncollectible under federal law. Despite this, Cavalry Portfolio Services has continued to report this debt inaccurately to credit reporting agencies and pursued collections, including excessive unsolicited contact, bordering on or could be taken as harassment.

Cavalry Portfolio Services actions violate the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], which prohibits debt collectors from falsely representing the character, amount, or legal status of any debt ( Section 807 ), and continuing to pursue collection on a discharged or non-existent debt ( Section 804 ). Additionally, their continued reporting of this debt to credit bureaus constitutes a violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically Sections 1681s-2 ( a ), which obligates data furnishers to report accurate information.

Despite providing notice to Cavalry Portfolio Services that the debt was discharged, Cavalry continued to pursue legal action. Further, their failure to verify the debt after multiple disputes shows their non-compliance with the validation requirements under Section 809 of the FDCPA.

I request immediate investigation and action to correct these violations, including the removal of this account from my credit reports and halting any further collection activity on this discharged debt.

Timeline of Violations : - Debt was discharged before collection attempts began.

- Cavalry continued to report the debt to credit agencies, and a judgment was obtained through XXXX XXXX, despite the discharge. 
- Cavalry sent multiple notices and failed to validate the debt properly in response to disputes.

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America did not properly notify of action against my account, and are in direct violation of 15 US code 1666 ( b ). There are no electronic notifications NOR paper notifications nor calls for my personal credit card account until after XXXX of XXXX. I did not receive statements as requested by mail in XXXX. Additionally, I have made on time ACH withdrawal payments since last year XXXX of XXXX. They have reported my payments late and the amount of XXXX of payments made from XX/XX/XXXX to current and are reporting 30 days over due from XXXX of XXXX through XXXX of XXXX making a severe negative impact of my score causing other creditors to reduce my availability to credit and closing accounts due to their incorrect reporting.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I have an account TD Financing which I used to purchase a television. They have recently switched websites to which I can make payments but I have been unsuccessful in logging in. I called two weeks ago about this problem and they couldnt figure out why what was going on with my account. They stated that my card was reported lost/stolen which I did not do. They advised to call back in a couple weeks but I have been unsuccessful in reaching anyone yo help me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I was in a forbearance contract with AmeriSave for 6 months due to loss of job and unemployment running out. My contract recently expired and due to getting a new job Im able to start to make my monthly payments. On my credit report its now showing that Im 120 deliquent and 30 days late. Which also incorrect. I've requested AmeriSave to fix the problem because when I was in forbearance there wasn't any negative remarks or getting my credit cards closed. Now my credit is XXXX. That being said, my 6 month payments are being tacked on to the end of my mortgage, so there isnt any deliqauent or late payments. I made my first payment in XXXX, and will be making another one in a few days for XXXX. I've never had XXXX credit and its really affecting my emotional tress level.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

On XX/XX/year> I used my chime debit Visa card to make my mortgage payment and I called it in made the payment the transaction went through I got a confirmation of payment then on XX/XX/year> I got a notification saying payment was returned for non-sufficient funds ( NO MONEY WAS RETURNED TO MY CARD ). On XX/XX/year> I made a payment for the same amount of XXXX with my debit card and it posted. I made a payment on XX/XX/year> with my debit card and they refunded it because the mortgage company said it couldnt locate my bank BUT I NEVER GOT ANY MONEY RETURNED TO MY ACCOUNT. I have called Chime and requested a refund and they are saying that my mortgage company has the money and laughed on the phone.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and was alarmed to discover several accounts that I did not open. It appears I have been a victim of identity theft, which has negatively impacted my credit score during a critical time as I am in the process of purchasing a home for my family. 
I request the immediate removal of these fraudulent accounts from my credit report. Please take the necessary steps to investigate this matter and ensure my credit report accurately reflects the accounts I have authorized. 
Thank you for your prompt attention to this issue. I look forward to your swift resolution.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I contacted Transworld Systems XXXX regarding an account ( XXXX ) that was assigned to them on XX/XX/year>, with a reported balance of {$180.00}. This bill is originally owed to XXXX XXXX Texas XXXX. I have requested multiple times for proper verification of this debt to confirm its legitimacy but has not been successful.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. The collection agencies are listed below : XXXX XXXX  XXXX  {$6600.00} Opened Sep. XXXX, XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX, XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$1900.00} XXXX  Opened XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

I am filing a complaint against American Express regarding the denial of two business credit card applications I submitted on XX/XX/year> for the American Express XXXX XXXX XXXX. The applications were for two separate businesses, XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX and XXXX XXXX, for which I provided valid EIN numbers. However, I was compelled to provide my personal Social Security number with the explanation that it would be used only to verify my identity, not to run my credit. 

This action violated Social Security Act, Section 1107 [ 42 U.S.C. 1307 ], 42 U.S.C. 405, and 42 U.S.C. 408. After having a CUSIP audit performed, I discovered that my Social Security number was used improperly, appearing on XXXX with a CUSIP number associated with American Express. When I requested copies of my applications, the agent informed me they could not send them, so I asked for the applications to be destroyed. Despite this, it appears my applications were traded, which suggests a serious violation of my rights. 

At the time of my applications, I was unaware of the relevant consumer protection laws, but I believe that American Express, as a sophisticated entity, took advantage of my lack of knowledge. This misuse of my personal and business information, coupled with the denial of both applications, constitutes fraud and exploitation of my businesses and myself. 

I am seeking appropriate remedies for these violations and request a prompt investigation into this matter.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Lexus financial services received my payoff cashiers check by their own admission XX/XX/XXXXXXXX I was advised they are behind in processing lease payoffs and it will take 30-45 days to complete. We are past that time, the payment was never applied to my lease acct leaving it to show delinquent. Lexus has reported my payment as 30 days past due to the credit bureaus although they have been paid in full for the vehicle. This has caused my credit score to drop XXXX points. 

The company has also practiced poor business in terms of my basic warranty thet are saying expired XX/XX/XXXX as the date of 1st use. I purchased by lease the car XX/XX/XXXX and was advised the warranty was XXXX miles or 48 months whichever comes 1st and my vehicle had XXXXXXXX XXXX the warranty would end XXXX. I was not advised of the 1st date of use clause nor that by getting the demo vehicle would take away from my warranty. 


The check engine light is on and I took it to a dealer out of state as were traveling and was told the vehicle is out of warranty 14 days so I would have to pay for the diagnosis & repair. Huge inconvenience as we need to get back home to GA and cant pay for the charges. Lexus has a case open to investigate the discrepancy XXXX but now were stuck. Horrible way to do business and I will never buy or do business with Lexus again.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

I have been trying to close my savings account with Citi Bank, but there is not an option to close it online, so I called them on the XXXX of XX/XX/year>. When I was transferred to an associate, I was asked to provide my name, account number and last four of my SSN. I provided all the previous requested information. After that, I was asked for a card number, I never received a card in the mail. After I told the agent this, I was asked for a security word. I have no idea what they are talking about. There is no security phrase, just some random word. I do not remember setting up a security word, nor have I ever been asked for one when accessing my account online, yet they say one exists. When I got nowhere with this agent, I asked to speak to a supervisor, and got the same runaround. I should not have to jump through hoops to close an account. I want my account closed and I want my money.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXXXXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (OR)

Paypal offered a bonus for XXXX reward points if i completed direct deposits in total of {$5000.00}. 

They offered this promotion to me in XXXX ( which I completed ) and again in XXXX this same promotion was shown on my account offers page. 

I completed all requirements for this bonus again and they showed on the rewards page that the offer was tracking as i made the first {$2500.00} deposit and then again it showed completed when I made the second {$2500.00} deposit in the required timeframe. 

I have the screen capture of this attached to this complaint. 

Paypal told me that an account could only receive this promotion 1 time. That language is not show in the terms and the reward was tracking in their system. 

Had I known that I was not " eligible '' for this promotion I would not have direct deposited my funds with Paypal.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. 
The collection agencies are listed below : XXXXXXXX XXXX XXXX {$6600.00} Opened XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$1100.00} Opened XXXX XXXX, XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$1900.00} Citibank Opened XXXX XXXX XXXX XXXX balance {$1100.00}
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NV)

Contacted Transworld systems Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was told account number XXXX Could not be located in their system for {$690.00} I contacted Transworld systems incorporated on XX/XX/year>.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hello. I am having issue with refund from PayPal. I paid XXXX XXXX for {$410.00} in total on XX/XX/XXXX with Paypal. I canceled the order and requested a refund. XXXX XXXX issued two separate refunds, one for {$310.00} and another for {$100.00}. To this date, i've only receive the {$100.00} back on PayPal. I've contacted XXXX XXXX, they have shown me receipt that they have processed both refunds to PayPal separately, see receipt attached. PayPal is claiming that they never receive the {$310.00} dollars refund from XXXX XXXX. I have used XXXX resolution center without any resolution. Attached are my PayPal record that I never receive the {$310.00} refunds. 

Please contact me XXXX or XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any account listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my report. XXXX XXXX XXXX : {$0.00}