davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

In XXXX XXXX, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX XXXX XXXX XXXX I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party Cavalry Portfolio that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and Cavalry Portfolio remove this debt from my credit report immediately ( all XXXX Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NY)

Each of the listed companies below have not given any written disclosures or contracts to sign or agree to terms of reporting to my consumer report and/or paying any debt. The companies also have not sent any verbal or written documents informing me of any debt and the companies are as listed : SPRING OAKS CAPITAL LLC XXXX {$1100.00} SPRING OAKS CAPITAL LLC XXXX {$720.00} SPRING OAKS CAPITAL LLC XXXX {$630.00}
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Security Credit Services, LLC (NY)

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me... 
but they didn't stop there. I have a recording of me telling them that it's a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. 
I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location which means that if I told them that it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA
Consumer complaint received 2019-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I have applied for a debt consolidation loan to pay off all of my debt vice my home and two cars. The denied stating non-factual reasons. Amongst them are pay my bills late and serious delinquencies when I explained this was the fault of XXXX XXXX and not me and stating the primary reasoning having something to do with my account which is bull. Ive been a member with them 17 years, had several loans with them and never missed a payment. I think I am being biased against because I have XXXX and a XXXX XXXX XXXX.
Consumer complaint received 2022-04-13
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. (FL)

In Accordance with the credit reporting act XXXX Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXXXXXX XXXX 2XXXX XXXX XXXX 3.XXXXXXXX XXXX XXXX 4. XXXX XXXX  XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXXXXXX XXXX XXXX 8.XXXXXXXX XXXX  XXXX 9.XXXX  10.XXXX XXXXXXXX XXXX XXXX 12.XXXX 13.XXXXXXXX XXXX  XXXX 14.XXXX XXXX 15. XXXXXXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NY)

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX District Court Judge : XXXX XXXX XXXX Referred : XXXX XXXX XXXX  Case # : XXXX Nature of Suit XXXX Civil Rights - Other Civil Rights Cause XXXX Civil Rights Last checked : Monday XX/XX/XXXX XXXXXXXX XXXX EST Defendant XXXX XXXX XXXX Defendant XXXX and XXXXXXXX XXXX Defendant XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX,, - -, - -,,,,,, ( ^_^ *=* XXXX XXXX XXXX A Case Has Been Filed with Office of Special Counsel which was also sent to the XXXX Report Status : Unknown XXXX is Herby listed as Non-Compliant ( False Narratives, Failure to Report, Filibusters ) You are scheduled for an interview by Phone with the Equal Employment Opportunity Commission ( EEOC ) regarding your inquiry XXXX XXXX This email confirms your appointment with an EEOC representative of the XXXX office for XX/XX/XXXX at XXXXXXXX XXXX 

XXXX XXXX  Release www.childwelfare.gov/pubPDFs/report.pdf XXXX XXXXXXXX XXXX XXXX XXXX The XXXX XXXX says it wants to discharge the two XXXX even though their commanding officers recommended retaining them because their XXXX status bars them from XXXX XXXX, and it generally wants its XXXX to be XXXX XXXX. The plaintiffs say a similar rationale was used to deny an XXXX XXXX to XXXX XXXX. XXXX XXXX, an Oklahoma native who is seeking to join the Judge Advocate From : XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX EST To : XXXX Subject : Reminder - Schedule an Interview You recently submitted an inquiry, XXXX, about alleged employment discrimination by XXXX XXXX XXXX to EEOC. We noticed that you have not yet scheduled an interview to discuss your claim. 

Response FOIA Release XXXX XXXX XXXX XXXX The ADA strictly limits when employers may ask medical questions or require medical exams. 

discrimination against persons living with XXXX, is one of the central goals of President Obama 's National XXXX Strategy. 

REPORT NUMBER : XXXX Please scan/email the signed completed form to XXXX. For questions regarding the program, please call XXXX XXXX XXXX XXXX at XXXX. 

XXXX Warning : This document is UNCLASSIFIED//FOR OFFICIAL USE ONLY ( U//FOUO ). It contains information that may be exempt from public release under the Freedom of Information Act ( 5 U.S.C. 552 ). It is to be controlled, stored, handled, transmitted, distributed, and disposed of in accordance with DHS policy relating to FOUO information and is not to be released to the public or other personnel who do not have a valid " need-to-know '' without prior approval of an authorized DHS official. No portion of this report should be furnished to the media, either in written or verbal form. 

Expiration XX/XX/XXXX Stage 2 : XXXX XXXX XXXX Stage 3 : Forma Pauperis Stage 4 : Pro Set Litigant
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XXXX XXXX, I opened a Capital One Money Market account and a checking account. I deposited XXXX dollars to the money marketing XXXX and another XXXX dollars to the checking account. XXXX days later, I received an email from the bank tell me to call them and they have already restricted my account. I called the number provided in the email on the next day and they told me they decided to end the relationship with me for no reason. The money was still in the account but I can not transfer it back cause I do not have access anymore. I called the normal customer service number several times but they just let me to reach the security department. I also reached the security department XXXX times but every time they just let me to leave a message and the auto system told me they will call em back. It 's now been more then XXXX week I have n't heard back anything from Capital One and my money still is stuck in the XXXX accounts. Also, on XXXX XXXX, I received from Capital One told me they believed there is a identity theft which is not true cause I 'm the person to apply, I received all the letters from them and also they deposited XXXX small amount of money for verification which I found it in my external account and enter it on the website to open the account.
Consumer complaint received 2015-11-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: EDvantage LLC (FL)

I started an XXXX degree at XXXX XXXX College was advised tuition would be XXXX well XXXX were covered by federal student loans. Then they proceeded with stating i can pay XXXX cash up front or i can take out a personal loan through them. Well i started school in XXXX 2015 got the personal loan ( so they claimed ) through tuition options well little did they explain or let me know this company was an accounting type service for the college and that they would be receiving all payments made to this company. My payments during school was {$200.00} a month. Well 5 months in XXXX XXXX 2015 we as students received an EMAIL from the school 's CEO stating the school would close it 's doors as of that day with no notice or warning at all. I paid them {$1000.00} since i started school out of pocket. I have not completed my education as i was promised when i signed up with the school. This company has failed their contract between the students and them. We do n't know if we can get a loan forgiveness or if our credits will even transfer to other schools. When contacting tuition options they do not have answers for students.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I made a mobile deposit of a check on Friday XX/XX/XXXX and it is now Monday XX/XX/XXXX and I still do not have access to my money. I have called 3 times and have gotten 3 different answers. First they said the XXXX, then the XXXX, now the XXXX! This is not my 1st deposit from this company and my check is less than {$500.00} so I don't know why it is being held up. They have just ruined my son 's XXXX. It is the only money I had until 2 weeks from now. He has no food. No diapers. Thank you CITIBANK. Nothing can rectify this situation. I am extremely disappointed.
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (SC)

Disconnected XXXX XXXX Service. Paid the early cancellation fee on XX/XX/2018 of {$120.00}. Returned all equipment by XXXX with a receipt dated on XX/XX/2018. 

Received a collection notice from ERC dated on XX/XX/2018 that they are going to submit this bogus " Collection '' to the credit reporting agencies. and damage my credit rating.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

During the Covid 19 pandemic I got into the forbearance plan. Once the plan was over I was told that I do not qualify for any mortgage assistance after and the lump sum has to be paid or else I need to go into foreclosure or sell my property. How can a lender help during the pandemic and once the forbearance is over have you lose your house? I need help or options to help me save my house.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Please remove XXXX XXXX XXXX XXXX credit card from my credit reports, XXXX XXXX XXXX XXXX has committed fraud by having someone else open up accounts in my name I went to report it, they didnt do anything about it, so I want this credit card removed, I have filed a ftc identity theft report and my information has been used to open accounts in my name with out my permission but XXXX XXXX XXXX XXXX has poor security, I want this off my credit report, XXXX has had a data breach and my information has been exposed on the web XXXX XXXX XXXX XXXX did not take this serious
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (NJ)

convergent collection agency sent me a letter saying I oweXXXX I don't have a XXXX account and never did. They say I lived XXXX XXXX XXXX I never did. they are harsh. I just had a XXXX and I'm recovering. I don't under stand why
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AXOS FINANCIAL, INC. (NY)

to whom it may concern i applied for auto refinance through XXXX XXXX XXXX loans i was approved, they matched me with axos bank before they lowered my monthly payments it XXXX for a XXXX XXXX elantra that i purchased in XXXX im on a fixed income i get my check once a month XXXX before the XXXX because of the account that i have with chimes bank which pays you XXXX before the due date # XXXX the didnt take that much off # XXXX they keep applying these late fees i have asked them severals times if they can lower my payments from XXXX to now paying XXXX a month is not helping me i'm not able to work due to arthrtis of the knees i only get XXXX from ssa a month after i pay my bills i have nothing left! i get calls for collections i get calls that my car is up for repo i asked them to please change my due date they tell me when i'm current on payments thats not going to happen because i pay on the XXXX or the XXXX then after the XXXX of the month it goe from the XXXX until the XXXX XXXX pass due then here comes the late fees i even tried to refinance my car again through the axos bank itself DENIED! THIS THE WORST BANK I EVER DELT WITH PLEASE CAN YOU LOOK INTO THIS MATTER I NEED MY CAR I HAVE MEDICAL ISSUES, THEY KNOW OF THIS, THIS BANK HAS NO EMPATHY FOR NO ONE IN THESE TRYING TIMES! ... ... XXXX BLESS STAY SAFE THANK YOU XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (MD)

I have reached out to Transunion to have several hard inquiries removed, however, after several conversations with the company they have refused to remove the inquires even with the necessary documents. The company has confirmed the documents have been received however still have not removed the hard inquires per my request. I would like the inquiries removed immediately.
Consumer complaint received 2022-04-14
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. (CA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX  : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXXF : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Firstly, the company decided to suddenly report my company card to my personal credit report after XXXX years of having this card and never reporting it in the past- which means that all the payments I made on time for these years did not make it to my credit report. Secondly, they claimed that I was 60  days late in payment when I was not. Their system was not working correctly and every time I logged onto my account, it told me that " my card needs attention '' but " NO PAYMENT IS DUE AT THIS TIME ''. when it says no payment is due then how do I know I am late with my payment. 
Thirdly, I tried to explain to them this glitch in their system, they actually agreed that this does occur sometimes but they re not going to remove the 60  day delay in payment to my credit report. 
Fourthly, the most I missed on my payments was 30 days NOT 60 days as they claim. 
Fifthly, I explained that my mother had just been diagnosed with XXXX  XXXX XXXX  XXXX and this was a large factor but they did not care to listen as they are not human they are robots. And they answer like robots.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a lot different name on my account. 
They wrote my name in so much different way I would like to delate those names and just have on in the correct way. 

Also the address if you can delate my old addresses and just leave the recent one. 
Im working on my mortgage house and, Im having some issues whit it because of that
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IL)

WELLSFARGO XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX And they call EVERYDAY as if my phone was bugged, typically after I have a phone call where I am speaking about money. That's just for this week, it's like this every week. I no longer have an account with them and they are holding my stimulus check and refuse to return it to the IRS.
Consumer complaint received 2022-04-13
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: JPMORGAN CHASE & CO. (CO)

My wife and I received a call from Chase credit cards that they saw what they believed were fraudulent charges on our credit card in XX/XX/XXXX. We agreed that 4 of the charges were fraudulent on our card and therefore closed this card and opened a new card. Chase started the process of fraud resolution and finally noted that they closed 3 of the 4 charges and said they were charging us for the fourth item. This item we were told on XX/XX/XXXX by Chase was considered a legitimate charge and that we need to pay it. This item on our bill was from " XXXX XXXX '' for {$390.00} which is a XXXX XXXX XXXX in XXXX XXXX area. We live in XXXX and have not been to XXXX XXXX XXXX for 20 years. We disputed Chase again with the following email : Chase, We are sending this email to substantiate a phone conversation that was had between XXXX, a representative at XXXX XXXX, and XXXX and XXXX XXXX. After a rebill was presented to the XXXX XXXX and several conversations with Chase, we reached out to the XXXX XXXX XXXX. XXXX said that the charge was made online, the person making the booking had my name, card number, security code, and address. XXXX presented an email that was " XXXX ''. I did not write the email down however, XXXX does have this and it is not associated with my account. We have not traveled to XXXX XXXX XXXX in the past 20 years, and did not get the service that was fraudulently billed. XXXX said he has taken this to the top and there is nothing they can do about it but was very supportive to the fraudulent nature of this interaction. Hoping that police could become involved and check possible camera footage if any exists. 
XXXX and XXXX XXXX So, we received an email today XX/XX/XXXX dated XX/XX/XXXX from Chase indicating that they re-reviewed all the data and we still are responsible for paying for this fraudulent charge to our card.We have been with Chase for 30 years and have never had an issue but this one effects me and my credit. I don't intend to pay the {$390.00} but will pay the other remaining balance and close the card. Can you help here???
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXXXXXX XXXX  XXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required
Consumer complaint received 2019-07-11
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. (MO)

Equifax and XXXX are incorrectly reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Consumer complaint received 2022-04-13
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. (PA)

n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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