davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (CA)

I want to dispute an error on my credit report. The Calvary the agency cavalry portfolio Service, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SD)

I submitted a dispute informing the company that I am a victim of identity theft and that the debt in question is not mine. Despite this, the debt continues to be re-added after it had previously been removed.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA is not paying out what should be owed to me. they did not properly investigate my claim. i have reported to the department of insurance as well. they stated that they investigated the car ( thats false they never sent an adjuster out to view the car ) they said the reason for my denial was due to wear and tare which is fale it was due to negligent service, they have a recorded call with myself and the mechanic who damaged my car admitting to it. because his insruacne tried to pay out. I have been a loyal customer for 13 plus years, I was never told that my policy which is " full coverage '' didnt include neglgient service, had i known i would of never went with usaa and or taken it to a private mechanic.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My uncle sent me money for a car and to pay my classes through XXXX. I had XXXX connected to another XXXX of my accounts, which was working fine sending and receiving money then I switched it to Capital One. My account got restricted after l lost my capital one card, and was transferring money to my other account using XXXX. Ive been trying to get my account unrestricted for days and nothing. They ask to speak to my uncle, he called them but that was not enough. I asked to have the account closed and the funds sent my mailing address. Cause they sent an email saying they will close the account and either mail the funds on the account or send it to the link account. XXXX just tired of going back & forth for days, and nothing being resolved. Because my uncle sent me using his XXXX and it has the company name.
Consumer complaint received 2024-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TN)

My name is XXXX XXXX I had a home loan through Freedom Mortgage Corporation loan number XXXX for my home at XXXX XXXX XXXX  XXXX OH, XXXX. I sold that home on XXXX XX/XX/2024. After XXXX weeks of not receiving my Escrow check in the mail I called Freedom Mortgage on XXXX XX/XX/2024. I was told they mailed my check to my old address and if I wanted a check mailed to my new address I needed to wait 30 days from the date that check was sent for them to cancel that check and send a check to the correct address. I do not understand that policy as that would put them outside of the XXXX standard set by the Consumer Financial Protection Bureau. 

I called again on XX/XX/XXXX for an update, I was told the new check was not sent out but they will get it expedited as it had been over 30 days. That day I spoke with XXXX license number XXXX. 

On the XXXX of XXXX I still had no check. I once again called Freedom Mortgage for an update. This phone call I was told my check was resent on XX/XX/XXXX and it will take XXXX business days to arrive. Not counting the XXXX as a business day would have the check arriving on the XXXX. 

I am writing this on XXXX the XXXX because I still have not received that check. I called today and was told the person before me made an error and the check actually did not get sent until XX/XX/XXXX. Six business days from that date would have the check arriving at my house on the XXXX of XXXX, XXXX after I sold my home. This is unacceptable. I have waited 60 days, made multiple phone calls and the company when I should have had the check in 20 days.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (FL)

I was in a XXXX XXXX XXXX  and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my XXXX XXXX XXXX XXXX XXXX XXXX  it explicitly prohibits Fay servicing from reporting on my credit report. According to my credit report Fay is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) Fay has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to Fay Servicing I been in defualt, but there nothing on my credit report previously reflecting that?

This needs to be removed immediately because its illegal violation of my XXXX XXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused
Consumer complaint received 2024-08-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

I tried to open a credit card in Home Depot, but when I used my Social Security number another persons name and address showed up and it was not my information. Someone had used my Social Security number without my consent to open a credit card.
Consumer complaint received 2018-01-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was never notified of this bill and do n't know where it comes from. I requested documentation of original forms and signatures stating that this debt has been validated and verified per the FCRA. I do n't believe this account was investigated at portfolio recovery for XXXX.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (AZ)

Carvana would not release a vehicle to me after purchasing when myself and lien holder took care of both payments on our end I received my refund but Carvana has given the run around on the turn around timeframe on making sure my credit union gets their money back for a failed attempt to being able to purchase a car Thru Carvana
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (PR)

I am writing regarding the dispute I submitted on, which I believe was not handled in compliance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681a ( w ) and 15 U.S.C. 1681 ( i ), you must ensure accuracy and conduct a reasonable investigation. FCRA Sections 604 ( a ) ( 3 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( B ) ( ii ) also mandate proper procedures for dispute resolution. Failure to comply may result in statutory damages of up to {$1000.00} per violation, as provided under FCRA Sections 616 and 625.

Please re-investigate and correct any inaccuracies within [ 15 ] business days. I may pursue legal action if this is not resolved.

Thank you.

Sincerely,
Consumer complaint received 2024-08-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (TN)

I'm using gift cards from Blackhawk Network XX/XX/XXXXXXXX ( XXXX, XXXX ), and they have specific websites like XX/XX/XXXX XXXX XXXX XXXX XXXX to manage these cards. Recently, they introduced a bot detection system that is supposed to identify and block automated scripts, displaying a message that " you are entering information too fast. '' However, I am manually typing all the information, typically at a pace of one card per minute. Despite this, I am being blocked for 24 hours, and the only way to check a card balance is to enter the card information once every 20-30 minutes, even though they already have human authentication checks in place.

I believe they should either reduce the time limit or provide an authentication option that allows users to sign in and verify their cards with whatever frequency they need.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I called chase to dispute a charge that I recd by email. I called the number on the back of my charg card. As it started going through the selections a man came on and said how can I help you. He told me case id no was XXXX his name XXXX XXXX direct line XXXX. I explained that the XXXX charge is not mine. I have no XXXX acct the email I received from pay pal had XXXX XXXX XXXX  # XXXX. XXXX. Email had two other names on it XXXX XXXX XXXX and XXXX. Then XXXX XXXX told me that I needed to take out {$42000.00} and deposit cash in a XXXX machine XXXX and XXXX Illinois locations. Which we did. They are still calling to say we have to finish transaction. I want to get these people! And recover funds if at all possible. We are XXXX XXXX  on fixed income XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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: World Acceptance Corporation (TX)

For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all XXXX bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. 

You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 


WORLD FINANCE XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (AL)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Caine and Weiner is reporting false info and reporting it XXXX months after " resolve '' from XXXX XXXX
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC (VA)

Approximately two years ago, NewRez, LLC purchased our VA mortgage. They, once again have increased our mortgage approximately {$800.00}. They add this XXXX XXXX to our mortgage. We had to get an attorney last year and the issue was resolved. I talked to a representative from the company, twice, to try to resolve the issue. They informed me that our property insurance increased. I contacted XXXX, who we have our property insurance. The insurance did increase, but not {$800.00} per month. 
In addition, my wife and I are XXXX percent military related XXXX and are exempt from property taxes in Virginia. 
This company per our research on the XXXX  website has a history of this deceptive practice, and needs to be stopped.
Consumer complaint received 2024-08-19
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: HYUNDAI CAPITAL AMERICA (NY)

I sent out a request for a duplicate title dating XX/XX/XXXX. Prior to that I have the vehicle paid off in full dating back to XX/XX/XXXX For the amount of about {$12000.00}. I have made countless calls and requests to Hyundai for a duplicate title to be sent to my current address and yet they continue to send it to my prior address that I no longer live at. I have received nothing but a run around for months about this issue and I am at my wits end. I spoke with a representative who said that the duplicate title was mailed out back in XX/XX/XXXX but to the incorrect address. I have spoken to numerous representatives of supervisors to make a note and date on the account that I have a new address for the past XXXX years and I no longer reside at the address that is on file. I understood that there was a different protocol to take for a deceased account since I am doing this on behalf of my mother, this is however, taking too long. This has been the second time they have mailed the duplicate title to the incorrect address and I have made Letters stating the correct address to send any documentation to, and it seems as though these letters are being ignored or simply not read.
Consumer complaint received 2023-07-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (UT)

XXXX ) I opened a 1-year CD for {$5000.00} at 2.75 % interest online with CitiBank on XX/XX/XXXX. The CD was issued with number XXXX. 
XXXX ) On XX/XX/XXXX I called CitiBank to close the CD early and was told is would be assessed a penalty of {$28.00} leaving a balance of {$5000.00}, and I would receive a check in 10-14 days. 
XXXX ) After receiving my mail on the fourteenth day, I called CitiBank at XXXX and was told it could take 15 business days, and they would reissue the check if it was not received by XX/XX/XXXX. 
XXXX ) On XX/XX/XXXXXXXX, I called CitiBank again and finally talked to a supervisor named XXXX or XXXX, who said they were reissuing the check and he would attempt to get it expedited if possible -- was given a reference number of XXXX. 
XXXX ) Today, XX/XX/XXXXXXXX after waiting another fifteen business days and not receiving a check, I called CitiBank, and XXXX checked to learn that whoever requested the second check did it incorrectly, so he would need to cancel that check and reissue it again! I insisted that they should either send the money via an electronic transfer or mail it overnight, but he said their procedures do not permit that.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Do you know or have any idea how XXXX  it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-08-17
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: Paypal Holdings, Inc (NJ)

Someone on a fan page on XXXX offered me " Meet and Greet '' passes for a show on XX/XX/year>. It was for a show that evening and would have been a real thrill for me. I was XXXX into a XXXX XXXX. I was foolish in providing {$65.00} of my funds through the XXXX and XXXX option through PayPal. This was very shrewd because PayPal will not refund any dispute per sending money that way. : -/ I provided my email address to this person but all communication was through XXXX XXXX XXXX I do not know why I didn't see a " red flag '' but I was suckered in because it really was too good to be true! 
Anyway since I was unable to get any assistance from PayPal I went to my bank and they have denied my claim because they stated that the transaction was authorized. This is not the case. I have no way of proving this was fraud, that is how good they were at ripping people off! As soon as they had the funds, they disappeared! When I tried to send a message to " XXXX XXXX '' who was the recipient on PayPal, I received a message saying I couldn't send a message to this person. The name on the transaction is " XXXX XXXX ''! This was fraud and I need my money back. What else can I do??
Consumer complaint received 2024-08-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

Subject : Cease and Desist Letter Regarding Alleged Debt To Whom It May Concern, I am writing in response to your attempts to collect a debt that you allege I owe to JEFFERSON CAPITAL SYSTEMS. After reviewing the information provided by your company, I have found that you were unable to furnish documentation of the Date of First Delinquency ( DOD ) for this account. Additionally, no agreement exists between myself and your company that would establish a legal obligation for me to pay this debt. 

In light of these issues, I am hereby requesting that you cease all communication with me regarding this alleged debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, under 15 U.S. Code 1692c ( c ), you are required to stop contacting me unless it is to notify me that further efforts to collect the debt are being terminated, or to inform me of specific legal remedies your company intends to pursue. 

Please be advised that if you continue to attempt to collect this debt without providing the necessary documentation, I will not hesitate to take legal action to protect my rights. 

This letter also serves as formal notice that any further communication from your company should be in writing and should be limited to legal notices as outlined above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX