davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
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: EQUIFAX, INC. (AR)

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX  XXXX {$210.00} XXXX   XXXX
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I'm writing to disputed an unknown debt collection that I have been harassed by Cavalry SPV I , LLC. I have been received Mails and phone calls harassment to attempt to collect the debt that I did not inform. I believe my information has been used without my consent. Please investigate thoroughly as the phone calls harassment from Cavalry SPV I , LLC has caused me a tremendous amount of emotional toll and felt threatened by this company.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

XXXX XXXX XXXX failure to rebut, answer, respond, to conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2022-08-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing purchased our mortgage when we refinanced on a 10-unit apartment complex my sister and I own. On XX/XX/2022 they made three payments totaling {$1300.00} from our escrow account for insurance that isn't ours. We initially thought it was " lender forced insurance '' because they kept sending us letters stating that they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed and upload proof of insurance multiple times. We recently learned that the payments were sent to an insurance company we don't even use, presumable another account holder 's insurance company. 

Then on XX/XX/2022 Fay Servicing purchased flood insurance from our escrow account for {$2000.00} on our behalf, supposedly because they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed, and upload proof of insurance multiple times. 

The property includes five duplexes and FEMA required a separate policy for each building. So, we have five policies that never lapsed, four at {$50000.00} and one at {$55000.00}, which is {$5000.00} more than the {$250000.00} of coverage that Fay Servicing requires for the property. But, they only recognize the policy for one of the buildings, which has the XXXXame street address as the entire property. We have repeatedly emailed, snail-mailed, and uploaded documentation showing that the five policies are all for the same property. I have spent hours on the phone speaking with their representatives, explaining the situation, and trying to resolve it. Each time the representative I speak with seems to understand the issues and promises to correct them but they never do. I spoke with an agent again two weeks ago and was told he would get back to me within a week but that didn't happen. They won't let me talk to anyone in the insurance department, where there is probably someone that could understand and resolve the issues. 

It looks like we are going to have to go through Small Claims Court to resolve this, which will also be time-consuming. I've read a number of reviews for Fay Servicing and many complain of similar issues as ours. It's no wonder they have a one-star rating on XXXX, it would be zero-stars if that was an option. It seems that Fay Servicing spends much more time answering complaints to the XXXX CFPB, state insurance commissions and attorney generals, etc. than it would take to resolve the issues. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Auto loan by XXXX XXXX XXXX was to be removed last year from Transunion credit report at the first delinquency was XXXX of 2014. The FCRA demands accounts more that seven years old be removed from first delinquency. When disputed before, XXXX XXXX XXXX removed all information on the account, which is illegal according to the FCRA. This account has fallen off already from XXXX and XXXX.
Consumer complaint received 2023-06-22
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. (TX)

IVE BEEN A VICTIM OF HAVING MY INFORMATION RELEASED TO THE PUBLIC WITH VARIOUS DATA BREACHES. THEREFORE, I HAVE HAD PLENTY OF INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT THAT WERE PREVIOUSLY DISPUTED. SOME ACCOUNTS CAME BACK AS VERIFIED WITHOUT ANY PROOF OF THE PROCESS THAT WAS USED TO VERIFY THESE INACCURATE AND INCOMPLETE ACCOUNTS. I NEED THESE ACCOUNT REMOVED IMMEDIATELY BECAUSE THEY ARE RUINING MY REPUTATION WITH THE BANKING SYSTEM. I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION MORE THAN 30 DAYS AGO AND I STILL HAVENT GOTTEN A RESPONSE
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bliksum, LLC (TX)

I received a number of emails this morning from LoanMe ( www.loanme.com ) indicating that I had applied, been conditionally approved for, and ultimately funded through a loan agreement and settlement for a {$2500.00} loan with a 139.12 % APR using my name, my email, and a California address that I do not know or recognize. My attempts to get more information from Customer Service indicated that I should send them a police report, but at this time I have no knowledge of why my email was used, if this is a different person with my name, or what checking account number is associated with this loan that was taken out. Customer service told me that neither my name nor email address were associated with the loan number supplied in the emails. This is highly suspicious. I will continue watching my credit monitoring but nothing has been identified at this time. To be clear, I have not taken out any loan and I have credit freezes in effect since XX/XX/XXXX to protect from fraud.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (UT)

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, XXXX XXXX XXXX  ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Consumer complaint received 2022-08-30
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. (VA)

XXXX XXXX and Experian Is reporting incorrect information on my credit report. Please investigate immediately..The law was set in place to protect improper use of my credit and I am holding Experian and upgrade responsible.. 
1 no written authorization for my personal information on the credit report 2 The right of privacy by law which they broke after several dispute 3 I want justice this information was sent to all XXXX XXXX and Experian
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On approximately XX/XX/2021, Capital One ( Cap1 ) elected to close my 3 credit card accounts. This is entirely within their rights and I do not dispute the closures. 

At the time of closure, I had an accumulated rewards balance of {$3600.00} across the 3 accounts. Cap1 restricted my access to the rewards and prevented me from redeeming them. After attempting to contact them to no avail, I decide to wait and see how they would go about addressing this, in hope they would eventually send me a check for the full sum of the rewards. It is now over 90 days since the accounts were closed and Ive received payment for 1 ( of 3 ) account at 50 % of their rewards value. 

Cap1 is very clear in their promotional materials, communication, web sites, etc. that the value of the rewards points is $ XXXXpoint and yet theyve not decided that for what I assume is some punitive reason, the rewards owed me are only worth half that amount.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (UT)

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INCXXXX IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX  ON OR ABOUT XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

I have several disputes still pending, one is still pending from XXXX months ago. I uploaded my evidence and receipts and they are still pending review. These are {$1000.00} in fees and the bank is holding them in pending status.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (IL)

I received a 30-day late for the month of XX/XX/2018. I was not aware of any payment being due and once I contacted the merchant, they informed me that they were contacting me, which happened to be at a phone number that was not mine, in addition to, stating that I had indicated to not receive any account communication from them which is why I hadn't received any type of email or notice by mail. The information they advised is not accurate. I would have no reason to provide any phone number other than mine and since I receive most of my credit account updates by email, there is no reason why I would have opted out to receiving payment communications regarding this account.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, 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. (OH)

last XX/XX/XXXX i noticed 2 credit inquires, XXXX XXXX and XXXX XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to transunion to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to transunion. transunion told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. transunion said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or transunion. every time i asked them to mail me and transunion, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. XXXX XXXX XXXX XXXX XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my phone number is XXXX my email is XXXX XXXX
Consumer complaint received 2020-02-20
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: CNG FINANCIAL CORPORATION (UT)

AXCSSFN/CNGO # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (MA)

I have had a checking account with ALLY BANK for over XXXX ( XXXX ) YEARS. Recently I started using XXXX to transfer money in my other bank accounts and decided to do the same with ALLY BANK. In ALL OF THE OTHER BANKS, the funds were transferred instantly ( within minutes ) with NO PROBLEMS. 

In the case of ALLY BANK, the funds would not arrive until Wednesday, XXXX XXXX XXXX after being sent on Sunday, XXXX XXXX XXXX 

I inquired through chat about this and was told by XXXX first that there were XXXX levels of speed and that I should have chosen " instant '' instead of " standard. '' In fact, there was no XXXX menu. I was NOT GIVEN AN OPTION BUT RATHER THREE DAYS TAKE IT OR LEAVE IT. Later the same person told me that if I tried on Monday, the money would be sent in minutes. I asked for a supervisor. 

The supervisor repeated the same dialogue insisting that I chose wrong. I stated that I had earlier spoken to the people at XXXX who informed me that XXXX transactions take minutes and that anything longer is not XXXX and fraudulent use of the XXXX name. 

Next the person ( supervisor - XXXX XXXX told me that there were " other factors '' that determined the speed of transfer. These apparently are secret since she did not disclose them. 

I call this fraud. ALLY BANK should not offer XXXX if in fact the transaction is identical in speed to a standard ALLY BANK TRANSACTION.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Wednesday XX/XX/XXXX I was instructed to write checks from my moms estate by the courts. She passed away in XX/XX/XXXX. I am the administrator. On Wednesday, checks were written from XXXX XXXX, a Bank of America company, to Bank of America. The amount on the first check was for attorney fees for a total of {$2500.00}. A second check was written for my mothers funeral for {$6000.00} and a final check of {$700.00} for obituaries. Initially Bank of America put a hold on all 3 checks. At some point the check for {$2500.00} became available on Thursday the XXXX. By XX/XX/XXXX 2 days after the checks were written all the funds were taken out of hold status and just returned. I contacted the bank and asked them why the items/checks were returned. They told me that the account I was writing the check from was closed. They transferred me to XXXX, a Bank of America company, and XXXX fixed the issuer at hand. I contacted bank of America back to let them know that XXXX fixed the account and said the checks were good to go. The estate account was not closed and it never was closed. I provided bank of American with the account number and any information they needed. Friday, the XXXX new checks were written for the same amounts. On Saturday morning my accounts were abruptly closed with no explanation even though all week I had been calling them to inform them about these checks. On Monday XX/XX/XXXX My mothers estate money was pending to go to Bank of America. How could this be? They told me the account was closed? Today is XX/XX/XXXX and now the checks are no longer pending. Bank of America has this money. All 3 checks are in their possession. XXXX set the account up wrong. Bank of America has {$9200.00} of my mothers estate money after pretending that the account was suspicious activity. My account are all joint accounts with my immediate family members so the entire family was impacted by this. My brother and sister. I have been a loyal proud customer at Bank of America for XXXX years now. They even gave me a home loan. I can not believe they put me in this situation. Can the accounts please be opened again. I have bills and it is the end of the month. Me & my family has been hungry with no gas money thanks to bank of Americas actions. The checks could have just been put on hold why shut my entire family down? They took my mothers retirement money.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Fresh Holdings Inc (TN)

This company lied about filing a 1099c form on the account for forgiveness then sold the debt to a debt buyer.So I sent a letter to the company to file it on my taxes because the IRS STATED THAT I NEED IT. So they decided to message me privately to keep the CFPB out of the laws that they are breaking I have proof down below
Consumer complaint received 2024-03-08
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. (MS)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NV)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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
Consumer complaint received 2023-09-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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