davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (PA)

I suffered identity Theft in XXXX, that expanded into XXXX. I have contacted XXXX directly, tried to get help tracking down the criminal. They stopped returning calls about the theft, and new calls started for the owed payment from early XXXX. No payment has been made to the account, since the fraud happened XXXX XXXXXXXX XXXX XXXX sold the debt of {$2700.00} to Cavalry Portfolio debt collector. This debt collector has called and harrased my neighbors, extended family like people, that are not blood related, and myself. They threatened my neighbors with a lawsuit in XXXX. And filed against me, XXXX of XXXX. Well beyond the 4 year FDCPA law limit, while also violating other FDCPA laws. XXXX was originally notified of this fraud in XXXX. They were made aware, of the police report, and the FTC report. And Cavalry still chose to purchase and attempt to recover this fraudulent debt. 

The fraudulent activity took place XXXX XXXX XXXX, XXXX. No payments have been made to the company after this date, and no agreements, of any type have been made. 

I personally feel Cavalry in blindly filing lawsuits in hopes that folks simply to do not respond in time, iossuing a default judgement, even in cases where it violated the FDCPA Laws, leaving {$1000.00} in damages This identity theft and fraud has been haunting me since XXXX. This has directly impacted my life in every way. I have told cavalry over the phone, this is fraud, and it was reported to XXXX XXXX 

XXXX XXXX attempted to make Payments on their own. Resulting in the " payment posting, and then un posting '' These are NOT real payments. These are system automation, and generated by XXXXXXXX XXXX from accounts there were shutdown. You can see at one pointXXXX XXXX XXXX tried to debit {$1800.00}, posted the payment. Then the next day, undid the payment, because it was not actually cleared, or a real payment. 

The last payment, i have made to XXXX on this debt, was early XXXX. 
During this time, i had all XXXX credit burea put hard holds on my credit files, while i worked with trying to clear up my identityy theft. 
I was also part of the XXXX data breach which exacerbates the situation. 

After telling XXXX that i am represented by an attorney on this case, XXXX has continued to call my wife, my daughters, my neighbors, my old neighbors, and including Myself.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/year> I ended a subscription via XXXX XXXX with XXXX. However, XXXX continues to deduct funds from my account $ XXXX. 

On the XXXX website - consumers are directed to XXXX XXXX to end subscriptions and my subscription status states I unsubscribed XX/XX/XXXX. It also directs you to Apples refund policy, yet an unsubscribed account has a {$0.00} balance so refunds are not possible. 

XXXX takes no responsibility for the unauthorized charges or refund requests, yet they continue to disregard my attempts verify that I have a closed account and return funds that have illegally obtained. 

My bank - Huntington has investigated the account and I have received a credit for {$9.00} once and they made it clear they can not prevent further deductions. 

I have also emailed XXXX several times to complain and received no response. My only recourse is to close my account after several years of satisfied service due to the continued fraud. 

Your assistance is appreciated.
Consumer complaint received 2024-08-02
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: JPMORGAN CHASE & CO. (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in removing unauthorized hard inquiries from my credit report. Despite my efforts to dispute these inquiries with XXXX, they remain on my report, negatively impacting my credit score. 

I have already sent three dispute letters to XXXX, and I am looking forward to completing the following steps to resolve this issue : 1. Escalating the dispute to a XXXX supervisor or specialist 2. Providing additional documentation or proof that the inquiries were made without my consent XXXX. Requesting a manual review of my file to remove the disputed inquiries 4. Filing a complaint with the Consumer Financial Protection Bureau if necessary I believe that these inquiries are a result of identity theft or errors by the creditors. I would appreciate any guidance or support your office can provide in resolving this matter. 

Please let me know if there are any additional steps I can take or if you require any further information from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (NY)

I send a certify mail return recipt validation request to Capital management services LP on XXXX XX/XX/year> to validate a debt, company above instead send me a copy and itemized list for what they said I own, I requested in writing on detail by law the right to request this documents, they fail to provide all the information requested, the company does not take this actions seriously and avoid presenting legitimate original singed contract of the agreement with my handwriting signature agree to pay, they do not provide any documents relating my self of being in contract with capital management services LP The erroneous information have impact my ability to get my credit and is causing me financial damages that I intent to remedy by law with monetary penalties if they keep reporting false information in my credit history second request being send to provided properly documentation
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

on XX/XX/year> i was notified by Home Depot CC asking if i made a purchase in XXXX Texas, i stated that i did not. i live in XXXX. they said they would cancel the charge. i requested that the account be closed. i did receive email confirmation of the account closure and the fraud charge. 
i am now being billed for over {$600.00} in charges on the closed account from purchases made in XXXX Texas. 
when i contacted them, i was told, the fraud did not get over to billing. 
i then contacted fraud dept. they said the investigation was never started. they would go ahead and start it now, and it could take XXXX days. 
i ask them to send me a statement that i have a XXXX balance and i am not liable for the amount, i was told they can not send that out. billing has to do that. 
i am worried about my credit rating and payment history, which is impeccable. 
i should be able to receive ample documentation from them stating the results of the investigation and the confirmation of the closed account and XXXX balance.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC (LA)

I am writing to demand the immediate deletion of a closed account from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pertinent provisions under the Code of Federal Regulations ( C.F.R. ). The account in question, associated with your institution, adversely impacts my credit report and fails to accurately reflect my creditworthiness.

Under 15 U.S.C. 1681c, the FCRA mandates that information on credit reports must be accurate, complete, and verifiable. Furthermore, 12 C.F.R. 1022.1 enforces the requirement that all reported information must reflect the consumers true credit history. This includes the prompt deletion of any data that does not meet these standards.

Moreover, adherence to the XXXX XXXX  format guidelines, which standardize credit reporting practices, requires that accounts closed by consumers be reported accurately to avoid misrepresenting their credit status. 

The account in question is : Account Number : XXXX Date Opened : XXXX I demand that this account be immediately removed from my credit report. Additionally, I require confirmation that this account has been deleted from all primary credit reporting agencies, including XXXX, XXXX, and XXXX, as well as any secondary reporting agencies to which you report. Failure to comply with this demand will necessitate further action, and pursuing legal remedies to enforce compliance with federal regulations. I expect this account to be removed from my credit report without delay. 

Please confirm receipt of this demand and provide written confirmation of the actions taken to rectify this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (WV)

The car is priced at 2.5 times the amount that the car is actually worth. Predatory loans and usury. The apt is 17.8 % have had the car for 6 mos on a 4 year loan and the car already has transmission issues that have been ignored and not getting a response from them to fix it when I was only 2 mos into the loan. Car payment is {$250.00} BIWEEKLY. I now have a newborn and they would not give me a grace period while I was on unpaid maternity leave. Stating that they would repo the vehicle after I was 1 say late on the payment due to personal financial hardship. The car is almost inoperable. They priced the car at {$17000.00} + and at the end of my loan I would be paying {$26000.00} + for a XXXX XXXX XXXX that is have transmission problems that I wont make it to the end of my loan without the car completely breaking down. The service/sales department stated over the phone ( when I was 2 mos into the loan ) that I would have to pay for hourly labor and parts for the transmission but would not fix it for free, although the transmission issues were happening within the first 30 days of the purchase. I am now not getting a response at all about this matter from the head of the service dept through text. I purchased the car on XX/XX/XXXX.
Consumer complaint received 2024-08-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NJ)

Radius Global Solutions discussed with me about the transaction that led to their acquisition of debt. On XX/XX/2022, a purchase at XXXX XXXX XXXX of {$990.00} was made using my identity. Note : I have never had an account with XXXX XXXX XXXX, and have an exclusive history with XXXX for all my phone lines. I believe this purchase was in XXXX, NJ while my address was in XXXX NJ ( proof of address can be provided ). On XX/XX/2022 the unpaid debt was transferred to XXXX, with a value then of {$1100.00} The reference number with XXXX for my account was XXXX. 

I am in contact with my XXXX XXXX XXXX who is helping me with the process, and was directed to file this report as well as a police report while I wait for a specialist to help me work with the collections agency.
Consumer complaint received 2024-08-02
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: Denefits LLC (LA)

I am writing to demand the immediate deletion of a closed account from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pertinent provisions under the Code of Federal Regulations ( C.F.R. ). The account in question, associated with your institution, adversely impacts my credit report and fails to accurately reflect my creditworthiness. Under 15 U.S.C. 1681c, the FCRA mandates that information on credit reports must be accurate, complete, and verifiable. Furthermore, 12 C.F.R. 1022.1 enforces the requirement that all reported information must reflect the consumers true credit history. This includes the prompt deletion of any data that does not meet these standards. Moreover, adherence to the XXXX XXXX format guidelines, which standardize credit reporting practices, requires that accounts closed by consumers be reported accurately to avoid misrepresenting their credit status. Account XXXX XXXX XXXX Date opened : XXXX XXXX, 2023, I demand that this account be immediately removed from my credit report. Additionally, I require confirmation that this account has been deleted from all primary credit reporting agencies, including, XXXX, and XXXX, you deleted it from XXXX well as any secondary reporting agencies to which you report l plus it was paid for deletion from my consumer reports. Failure to comply with this demand will necessitate further action, and pursuing legal remedies to enforce compliance with federal regulations. I expect this account to be removed from my credit report without delay. Please confirm receipt of this demand and provide written confirmation of the actions taken to rectify this issue. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
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: Navient Solutions, LLC. (TX)

Dear NAVIENT, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report. This issue is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Texas Finance Code under Sections 392.301 and 392.305, and identity theft laws as outlined in the Texas Penal Code Section 32.51.

It has come to my attention that NAVIENT has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, consumer consent is a mandatory requirement for any credit reporting activities, as stated in Section 1681b ( a ) ( 2 ).

Moreover, Texas state law reinforces this requirement. Section 392.301 of the Texas Finance Code clearly states that consumer consent is necessary for credit reporting. Additionally, Section 392.305 provides guidelines for the fair reporting of consumer credit information. The identity theft laws, particularly Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I unequivocally assert that I have not granted consent for NAVIENT to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a blatant disregard for both federal and state laws. 

I demand that NAVIENT immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should you fail to comply within the next 30 days, I will consider this willful noncompliance, which may result in penalties under applicable laws, including those related to identity theft. 

It is imperative to understand that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations designed to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that NAVIENT will rectify these violations promptly, respecting my rights under federal and state laws. 
Done in good faith.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (VA)

Monthly minimum payments are {$150.00} with {$100.00} going towards interests and not principle. Salesman specifically explained how the loan process works but it seems as though we are being scammed. He definitely tricked us in getting into the loan when the he specified that it was a normal loan as equivalent to a vehicle loan, etc. ( i.e, where the majority of payment goes towards principle and the lesser amount towards interests. ) Definitely not the case and Aqua finance needs to be shut down for these illegal practices.
Consumer complaint received 2024-07-09
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've found that my credit report has erroneous information for the first time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$2200.00}
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I have a rewards card with XXXX XXXXChase that I am charged XXXX XXXX  yearly fee for the benefits. The purpose of getting this card & paying the fee was the benefit is an upgrade from Gold to Platinum at all Marriott properties after charging XXXX a year. Since XXXX I do not travel as much so this was something worthwhile. I charged XXXX last year & expected my level to be Platinum for the year XXXX  as laid out in the program. That higher level also came with more points for all charges XXXX XXXX XXXX  more points per stay & for all charges at Marriotts vs XXXX XXXX ). Along with many other benefits that are much more valuable & save a lot of money when you stay or spend at Marriott properties.

I had a few stays this year & when I expected to be treated & rewarded at the Platinum level & realized I was not I contacted XXXXMarriott who pointed me back to Chase & Chase has insisted it is on Marriott. I have not gotten resolution from Chase.

We are 6 months into the year & still I am Gold & I have charged over XXXX this year already & did that to get this benefit that I still don't have. I expect I am not the only one. 

I have called Marriott multiple times & they insist it is on Chase. I have called & spoken to Chase & they recognize that I met the XXXX threshold for this calendar year & now next year but can not tell me why I did not get this benefit & therefore have paid more for upgrades during my Marriott stays & lost many XXXX of points that my family & I use for our travel. The point of paying the yearly fee & using this specific card. 

I am sure I am not the only one, as this is obviously a glitch in their software that they are aware of & do not seem to care & obviously they are making money from not giving this benefit or fixing. 

Hoping you can help solve this & hopefully charge them for dropping the ball & help me straighten out this fraud
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. XXXX XXXX XXXX