davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (NV)

Formal Complaint Against Cavalry Portfolio Services I am writing to file a formal complaint against Cavalry Portfolio Services, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, with contact number XXXX. The purpose of this complaint is to bring to your attention the alleged unfair and deceptive practices I have experienced during interactions with this company. 



Details of the Complaint : Lack of Validation : Despite my request for debt validation, I have not received adequate documentation or verification of the alleged debt in question. The lack of transparency in providing essential details raises concerns about the validity of the debt. 

Failure to Cease Communication : I have previously requested that Cavalry Portfolio Services cease communication regarding this debt, as permitted by the FDCPA. However, communication attempts persist, causing unwarranted stress and anxiety. 

Failure to Provide Information : Requests for detailed information about the debt, including the origin and substantiating documents, have not been adequately addressed. The lack of transparency impedes my ability to assess the legitimacy of the debt. 

I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Cavalry Portfolio Services. 
Take appropriate action to ensure compliance with the Fair Debt Collection Practices Act. 
Facilitate communication between me and Cavalry Portfolio Services to resolve these issues amicably. 
Enclosed with this letter, please find copies of relevant correspondence, including communication logs and any documentation related to the debt. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to address the alleged violations. Your assistance in resolving this complaint is crucial in protecting consumer rights and promoting fair debt collection practices. 
accounts Account owner Individual Account Original creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Agency CAVALRY PORTFOLIO SERVICES Creditor Classification Banking Status date XX/XX/XXXX Original amount owed {$2300.00} Balance date XX/XX/XXXX Date of last payment Date of first delinquency Balance owed {$2300.00} Comments Consumer Disputes This Account Information CAVALRY PORTFOLIO SERVICES Account owner Individual Account Original Creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Thank you for your prompt attention to this complaint.
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I have filed 3 credit disputes, I have requested information from NCB and the documents that they provided didnt match my driver license number. XXXX XXXX filed a complaint to have the account removed and I filed 2 with credit bureaus. I also called the agency directly and it took them over 30 days to provide me with information.
Consumer complaint received 2023-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Found a number of erroneous reports tried to dispute each. No action taken by reporting agencies ( Equifax, XXXX, and XXXX ). 

Erroneous report # XXXX and # XXXX XXXX XXXX XXXX XXXX XXXX XXXX victim of Identity Theft. XXXX had to completely fix account after giving unauthorized access to another person posing as me. XXXX XXXX XXXX was made aware of the issue and still demanded payment of fraudulent transactions or face legal actions. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX XXXX repayment of illegally charged fees as well as collection fees. XXXX actually used legally was paid on time. however I disputed the fees posted to my Account by XXXX XXXX asking for my signed copy of the agreement which was not provided. Within a day of the dispute XXXX XXXX immediately closed and sent the illegal debt to in-house collections and within 20 days sold the debt to multiple collection agencies. XXXX XXXX remains as the sole owner of the fraudulent debt. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX.re XXXX refuses to allow dispute of this record.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I am writing to formally dispute the presence of an account on my credit report attributed to XXXX XXXX. After carefully reviewing my credit report, I have identified inaccuracies in the information reported, and I request the immediate removal of this account from my credit history.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XXXX XXXX XXXX, {$10000.00} was fraudulently transferred from my wifes and Is joint checking with USAA. One transfer was for {$900.00} and the other {$9100.00}. 
My wife contacted USAA the same day to dispute the charges and USAA opened an investigation. 

On XXXX XXXX we were contacted via phone from a USAA fraud investigator. The investigator explained to us that on XXXX XXXX someone went on USAAs website ( usaa.com ) and using only my wifes phone number was able to gain access to our accounts. This person logged in everyday until XXXX XXXX, when they transferred our money to an external bank account. 

The fraud investigator claimed USAA has not evidence of fraud and refused to return the funds to us because the person who accessed our accounts used a phone number is listed in USAAs system as being associated with us. 

First, my wife and I only access our bank information via the USAA app, because the app is directly tied to our personal devices and requires a pin number every time we access it. Accessing our accounts via the website from devices not associated with us should have raised suspicion. 

Second, the person who accessed our accounts from the website, not a phone call. My wife and I never use USAAs website and if we have banking issues that can not be addressed via the app we always call, per USAAs own guidance. Someone accessing our accounts only from website, not the app and not with a phone call, should have raised suspicion. 

Third, the {$10000.00} transferred from our accounts were clearly done in a manner to avoid having to do a Currency Transaction Report which should have raised suspicion by USAA and the financial institution that received the funds.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

TO EXPERIAN, Upon reviewing my credit report, I've identified several inaccuracies and unauthorized entries. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 sections 602 A and 1681s-2 ( A ) ( 1 ), I am entitled to privacy rights and accurate reporting of my information. It is stated that any information provided to a consumer reporting agency must be accurate and furnished only with the consumer 's consent.

The accounts listed below, affiliated with Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX appears to violate my consumer rights as outlined in the mentioned sections. As per the law, consumer reporting agencies are obligated to operate with fairness, impartiality, and a commitment to preserving consumer privacy.

I request the immediate removal of these accounts from my credit report to ensure compliance with my rights. Additionally, I would appreciate receiving an updated copy of my credit report to confirm that my consumer privacy rights are being respected and upheld.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (CT)

I have notified BOTH onemain AND XXXX  multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both Onemain and XXXX are in VIOLATION of 15 U.S. Code S 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 resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$500.00} American Express eGift Card from my employer last year, in recognition of service. AMEX states that the pre-paid card is widely accepted online and in-person everywhere. However, I have tried to use this card and it has been declined everywhere, both online ( including XXXX and XXXX ) and in-person. Ive spoken to AMEX customer service twice about this problem ( including today XX/XX/2024 ), and the only advice I receive is to try other merchants. To have a prepaid card that is repeatedly declined is frustrating, embarrassing, and defeats the purpose of the card itself. I found that many others are experiencing the same issue ( including complaints here on the CFPB website ). I encourage the CFPB to take action against American Express as it is accepting money from people who buy the gift cards, but make it virtually impossible for recipients to use the funds. Shameful, disreputable practices.
Consumer complaint received 2017-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (FL)

We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection made verbal promise that by us paying the debt, the debt would be REMOVED from all credit b ureau 's. We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by   XXXX   XXXX   or  XXXX .     As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points. Which additionally, this substantially impacts my mortgage rate.     Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial descrepancies in m y credit score.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (WI)

XX/XX/2023 said I owed money on loan an I never was aware of it. That it was paid an once I found out I still owed then they closed the account as paid. But on my credit report it's still says written off. Which needs to get removed it's hurting me to get a new loan. 
Loan company is called Santander XXXX XXXX tx XXXXXXXX XXXX was owed an I paid it. XXXX.
Consumer complaint received 2023-04-24
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. (MA)

I am writing to dispute and request correction of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following issues, but have not received a response to date. 

The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Please correct this inaccurate information on my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ) I am unsure of the accuracy of the balance of {$7100.00} that you report for this account. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request from you to verify the Date Opened, Date of Status, and First Reported for this account. 
Your agency is reporting inaccurate information for the following account : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$350.00} ). 
I do recall my original creditor - COLLECTION, and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the balance of {$350.00} which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and ask for verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2023-12-13
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (WA)

I refinanced my house in XXXX. The title company mailed a check in the amount of {$2500.00} on XX/XX/XXXX to XXXXComenity Bank to pay my account off. In XXXX, after I continued to receive calls to make a payment, I submitted a dispute with XXXXComenity which included a copy of the check that was cashed. I received a letter from Comenity dated XX/XX/XXXX stating that it could take up to 90 days to complete the investigation. I have not received any further communication. I called them on XX/XX/XXXX and was told that my dispute was closed and that I now owe them {$3100.00}. My credit report is showing this as a late and unpaid account which lowers my score and makes my insurance and other things more expensive.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I applied for the SAVE student loan program through Nelnet and the government 's student loan website back in XX/XX/XXXX, and was told that the amount I owed was {$0.00} due to my income level. Today, XXXX XX/XX/XXXX, I received an email stating that I owed {$280.00} in two weeks, on XXXX XX/XX/XXXX. I was not given the proper warning that I would owe nearly {$300.00} over the holidays, and was originally told I would not have to pay anything while at this income level. 

When trying to reach out to the company, the customer service unacceptable. There are 70+ minute wait times to contact a representative to get this resolved, and no way to chat with anyone else online, either through a chat or email. 

In short, I have a sudden {$280.00} charge coming that I can not seem to rectify, and I can not afford this. I have no options.
Consumer complaint received 2023-12-11
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: Global Credit & Collection Corporation (CA)

GLOBAL CREDIT & COLLECTION CORP XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX ***This # does not ring at all*** ******-**-*-**-************** -- -- -- ***************** XXXX : XXXX XXXX XXXX XXXX 
Product : XXXX XXXXXXXX XXXX ID : ( not yet providing ) Card number ending in : XXXX Current Balance : {$0.00} ______________________________________________ I had a bankruptcy in 2018. 
This is unreasonable to have a collection company send a bill for a collection of XXXX??? 
YES absolutely publish this ITS WRONG!
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (OH)

Someone withdrew {$20000.00} over several transaction via XXXX XXXX. I filed a complaint with Navy Federal Credit Union and filed out my affidavit of fraud and provide my XXXX XXXX statement to prove it wasnt me who made these transactions. Navy Federal Claims the charges are valid however they are not and I feel they are violating the Regulation E because they failed to properly and fully investigate the matter. Just because I have had previously had transactions with XXXX XXXX doesnt mean that all charges are automatically valid from XXXX XXXX. It was Navy Federal Credit Union Fraud Text Alert that alerted me to fraudulent withdrawals. I have requested all information they used to base their decision and they have failed to provide those documents.
Consumer complaint received 2023-05-09
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: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Resurgent/LVNV Funding XXXX XXXX XXXX ) has violated several of my rights.

15 U.S.C. 1681 section 602 A. Clearly states that 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 instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (PA)

Recently, Chase Bank became the services of my home loan. I live in a flood zone and maintain flood insurance as required. However, a monthly escrow payment is included with my mortgage payment in order to satisfy the contracts and regulations requirements for maintaining current and adequate insurance, this includes flood insurance. Chase failed to pay XXXX {$950.00} upon renewal notice for my flood policy. A notice of force placed insurance was sent to me requesting evidence of adequate insurance. However, this is Chases responsibility. On XX/XX/23 I contacted their customer service and was advised that an overnight check would be sent to XXXX to satisfy the payment and renewal my policy. Regrettably, this only resolves the matter of a lack of payment but does not resolve my genuine concern for the root cause of the issue.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX I was looking over and writing down all my transactions to keep post so while I was doing that I came across 2 atm withdrawals 1 for XXXX and the 1 for XXXX and this out of my capital one account debit and this happened on XX/XX/XXXX and XX/XX/XXXX it says money was transferred out of my XXXX XXXX to my capital one and I put a claim through on XXXX with capital one because thats when I found out I dont really use this account only sometimes I use my other bank account now on the XXXX they say my claim was denied and I told them that somebody must have made a copy of my card because I had my card on me its machines thats out here while I was doing my own investigation that its machines them at people have that can take ur card info inside stores gas stations etc I just really want my money back thats all and now they saying they go appeal it 10 to 15 days is a long time for me to receive my money I need my money back now they told me they was goin to give me a credit they lied so now ima wait and see what they do Because
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management violated 15 USC 1681s-2 by furnishing information to a credit agency knowing there is reasonable cause to believe that the information is inaccurate.