davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (TX)

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

To Whom It May Concern, I am writing to file a formal complaint against Calvary Portfolio Services regarding a debt they allege I owe, linked to a legal case that has since been dismissed. Despite the dismissal of this case, Calvary Portfolio Services has failed to remove the negative entry from my credit reports, adversely affecting my credit score without cause. 

Enclosed are documents supporting my position, including evidence of the dismissal of the legal case. 

This situation has unjustly impacted my financial health and caused me considerable stress. Despite attempts to resolve this issue directly with Calvary Portfolio Services and through disputes filed with the credit bureaus, the erroneous credit entry remains. Therefore, I appeal to the CFPB for intervention to correct my credit information and protect my consumer rights per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this critical issue. I am eager for your support in resolving this dispute with Calvary Portfolio Services and restoring the accuracy of my credit records.
Consumer complaint received 2018-12-23
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: Experian Information Solutions Inc. (CA)

I DISPUTED A BANKRUPTCY LISTING IN MY CREDIT FILE WITH EXPERIAN IN XXXX XXXX.I RECIEVED THE RESULTS OF THAT DISPUTE ON XX/XX/2018. EXPERIAN CLAIMED TO HAVE VERIFY THE LISTING WITH SOME UNNAMED COMPANY ( NOT THE COURT ). I CONTACTED THE COURT CLERK AND WAS TOLD THAT AND PROVIDED A LETTER STATING THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF.ON EXPERIANS RESULTS OF THE DISPUTE RESULTS, THEY PROVIDED NO INFORMATION ON THIS UNNAMED COMPANY. EXPERIAN HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE FCRA CLEARLY STATES THAT THE INFORMATION MUST BE VERIFIED BY THE ORIGINAL SOURCE.PLEASE SEE THE COPY OF THE LETTER FROM THE COURT AND THE COPY OF THE DISPUTE RESULT FROM EXPERIAN
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NE)

Setup joint account with fiance. 

Proceeded to transfer funds from personal XXXX  ( XXXXXXXX XXXX XXXX ) account. Several transactions were denied and reversed. 

Logged in and found SoFi Joint account was locked. Called security number and they stated I violated terms by transferring from account not in my name. This is false and I have statements, and other documents to prove the account is in my name. 

They stated they would report the issue and would hear back at some point in the future with no ETA. I have no way to pay bills, cards, etc. at the moment.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (FL)

What happened is that when I purchased my vehicle in XX/XX/2021 I was sold a warranty package that I purchased I was informed that I had to put down XXXX to lower my payments. XXXX XXXX XXXX XXXX I decided that I wanted to cancel the products sold additionally which was the dent protection, MB tire and wheel protection, Apperance protection, VeH protection plus key, and MB prepaid maintenance plan to because I found that these products were unnecessarily needed and wanted to lower my monthly payments. However, I was informed by the financing that I could not remove the additional products and the only product that I could remove was the MB prepaid maintenance balance in which it was removed per my request, but I never received a new contract with services removed or a refund. I recently called Mercedes and spoke with XXXX XXXX wanting to know about MB prepaid package and he informed that coverage was removed in XX/XX/2021 I asked him were did the money go that I spent on this package he stated that the money went back to the leasing company so I asked so I paid for a product that was removed never received any compensation for my return or a new contract. XXXX replied stating that I would need to speak to financing with MB in which has been difficult to get a hold of and when I did speak to financing in the pass I was informed theres nothing they can do..
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (LA)

In XX/XX/XXXX, a Hyundai rep called in concerning my account. Hyundai rep ask how I plan to pay off the remaining balance XXXX. I informed the rep, according to my account, next payment is not due until XX/XX/XXXX. Rep informed me - after the XXXX and XXXX paid the XXXX, which was XXXX, Hyundai requires the balance to be XXXX XXXX XXXX immediately and the XXXX you received about the next payment is inaccurate. I informed the rep I was unaware of the procedure and asked if my account was in XXXX XXXX. Rep stated- no your account is not XXXX. I requested to XXXX the XXXX balance of XXXX by XX/XX/XXXX. The request was approved by the rep. I asked for my account to be noted about the payment XXXX for XX/XX/XXXX so there's no confusion. Everything was XXXX. I was on a XXXX line with Hyundai rep when the XXXX XXXX arrangement was made. XX/XX/XXXX, Hyundai closed the account and between XX/XX/XXXX - XX/XX/XXXX of XXXX reported my account as " XXXX XXXX XXXX XXXX XXXX '' including my husband XXXX XXXX XXXX XXXX. Neither XXXX of us were aware of the action done by Hyundai until XX/XX/XXXX. I called on XXXX and XXXX XX/XX/XXXX AND XXXX, XXXX, XXXX, and XXXX, XXXX about account. I was only told t - account closed and you must pay your balance now. XXXX XXXX has been sent in the amount of XXXX with a XXXX letter of what transpire. No information was given to take care of the matter with company - lost my trust in them. My husband and I both receives an XXXX from Hyundai Finance about NEXT payment due XX/XX/XXXX, BUT the account suppose to be a XXXX XXXX. Left to submit complaint.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

During my trips to XXXX and in XXXX this year, I was charged 3 percent foreign transaction fees for every purchases I made while abroad. 

Their associates never informed me of the foreign transactions fees when I opened the account at the Bank of America Branch in 2022. 

I have called their customer service department and credit card department many times but they did not provide any explanations.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

In XXXX, I submitted a complaint to cfpb about Select Portfolio Service reporting my account as over 90 days late due to an error that their agent made in XX/XX/2023. The issue was fixed with my credit. Now, I am getting calls that my mortgage is late again. I have never missed a principal plus interest payment since my mortgage has been with SPS. I have questioned and continue to question the balance of the escrow account. The monthly estimate is too high. 

I need my mortgage account to be corrected and show that I am not late. See complaint XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15.usc 1681 section a : states I have a right to privacy.15.usc :1681 section 604a : section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (NC)

The original creditor for this debt is XXXX XXXX  XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that XXXX ( XXXX ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because National Enterprise Systems ( NES ) was handling this account. 

I spoke with NES and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when XXXX is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that XXXX is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with NES on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that XXXX have been contacted with my concern and they were waiting to hear their response. I have scanned them what XXXX is reporting and they said they will contact XXXX again with this information. 

I am exhausted dealing with this debt that has been taken care of. If XXXX is reporting this account then why is NES involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing again this complaint to TRANSUNION I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. 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.
Consumer complaint received 2023-12-26
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: Resurgent Capital Services L.P. (MI)

XXXX XXXX  popped up on my XXXX, they are the result of identity theft, XXXX has not blocked them. 

XXXX XXXX ( I have never heard of this company ) I have submitted complaints her for them, but the CFPB is never able to resolve it because they can not get into contact with them, and has even sent it to the FTC for investigation. 

the other is LVNV funding, which is for a XXXX  XXXX card I haven't had, I have had XXXX XXXX  XXXX card which was paid off in 2018, I never got another one after that. 

I have provided all the required documention the FCRA requires, and it has yet to be blocked.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Even though I had a credit freeze AND a fraud alert in place, TransUnion gave my information to XXXX which then used it to open a false account which was used to extend significant credit to an ID thief which still stands to this day. I have asked for an explanation before and I only got vague answers so I will be very specific and am requesting a response through the CFPB : 1 ) Why was my information give to XXXX as I had a credit freeze in place? 
2 ) Why was my information give to XXXX as I had a fraud alert in place? 
3 ) EXACTLY what was done as part of your " investigation '' into the XXXX account that caused you to side with them after I told you your information is wrong and absurd? 
4 ) When/If you are able to verify that XXXX opened a credit account for me with the information you provided, what will be done to make sure this does not happen again?
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate they have not responded here is my tracking number : XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MS)

I have hard inquiries on my credit report that I did not give them permission to run my credit. 

Also four accounts on my credit reports that I know nothing about. Two accounts on my credit twice for different amounts, in dates.The other two accounts I have no knowledge of.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX   purchased auto part from  XXXX  for  XXXX  Part did not match website description  XXXX   XXXX   XXXX  from merchant  XXXX  Returned to merchant and signed for via  XXXX   XXXX   XXXX  email support @   XXXX    asking about refund, no response  XXXX  Opened dispute with bank  XXXX  Closed after vendor promised refund  XXXX  Refund never issued, Re-activated claim  XXXX  followed up with bofa, refused to provide information on how to proceed
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. Experian reports date open XXXX. XXXX reports date open XXXX. XXXX states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.