davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX *please send any pleadings or motions to XXXX XXXX XXXX fax COUNTY COURT IN AND FOR XXXX XXXX COUNTY , FLORIDA CASE NO : XXXX CAVALRY SPV I. LLC AS ASSIGNEE OF XXXX PLAINTIFF NOTICE OF HEARING VS. 

XXXX XXXX XXXX Defendant ( s ) ______________________________/ TO : XXXX. XXXX XXXX  XXXX Attorneys for Plaintiff XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( XXXX ) PLEASE BE ADVISED that the above styled Plaintiffs Motion for Summary Judgment before the Honorable XXXX XXXX, Judges of the above styled Court at XXXX County Courthouse, on XX/XX/XXXX at XXXX : XXXX or soon thereafter as counsel can be heard. 
Defendant 's request a MOTION THIS CASE BE DISMISSED WITH PREJUDICE. 

PLAINTIFF FAILER TO SEND DEFENDANT DATAIL EVIDENCE REQUESTED XX/XX/XXXX PLEASE SEE ATTACHED A REQUEST MAILED TO PLAINTIFFS ATTORNEY ON MENTION DATE. DEFENDANT WOULD ALSO REQUEST THE COURT FILE FOR A FULL INVESTAGATION ON HOW THE DATE OF THE DEBET THAT TO THE BEST OF MY KNOWLEDDGE DOSE NOT BELONG TO ME. THIS DEBET WAS REMOVED BY XXXX   BUT WILL REMOVED AND PUT BACK ON BY THE PLAINTIFF USING A DIFFERENT DATE DEBET WAS OPEN XX/XX/XXXX KEEPING THE STATUTE OF LIMITATION UNDER 5 YEARS. 

I CALLED THE LAW OFFICE FOR THE PLAINTIF, ON XX/XX/XXXX, I SPOKE TO ONE OF XXXX XXXX, UNIDENTIFIED ASSISTANT, SHE TOLD ME THAT THE DATE DONT MATTER BECAUSE THE JUDGMENT HAS BEEN FILED AGAINST ME AND NOW THEY HAVE 20 YEARS TO COLLECT FROM ME. 
I MENTION THIS DEBIT AND DATE IS NOT CORRECT I HAVE EQUIFAX DOING A BACK GROWN CHECK OF WHO MADE THE CHANGE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Mr. XXXX, I wanted to inform you that the package with the bank information was received Saturday, XX/XX/XXXX. 
The copies that were made are very hard to read. I was able to verify the date the bank shows that I stopped paying was not XXXX. 
As I mentioned to one of your associates that you never sent me any information about the charges on this account. Your associate told me your company had received a judgment against no reason to go to court. For this reason, I will request from the bank why they had reported the wrong date to give them more time on the statue of limitation. I will also file a complaint with the CFPB after I can confirm they have made a mistake reporting the wrong date. 

I would like a response from you as well to ensure me that also investigated with the bank to make sure they gave you the correct information to the judge. I will wait to hear from you before I send a letter to the courts. 

Best regards XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Fri, XX/XX/XXXX at XXXXXXXX XXXX Subject : Cavalry Portfolio /XXXX To : XXXX Good morning, XXXX, My name is XXXX XXXX and I obtained a letter from your law firm yesterday. The letter was about a court day for XX/XX/XXXX.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, my checking account made a XXXX transaction for {$2000.00} to someone named XXXX. I only found out because I received an email from Chase to verify a transaction. I clicked no that I did not authorize this payment and the email said I have already authorized it. When I looked on my account, a {$2000.00} payment was sent to someone named XXXX XXXX XXXX. My Chase Sapphire card was also hacked. I had to close that card. Chase said that I have no claim because face ID was used to open my Chase app. I tried to tell them that my phone was hacked and I never sent this payment. They cant even locate who this XXXX person is. If you cant validate a persons XXXX  account, how can you say I sent this money? I need my {$2000.00} back because this is not fair. I did not authorize this money to be sent to anyone. If I cant trust my money in a bank, then what is the point of having money in a bank?
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XXXX of 2023 I have received a late payment with XXXXXXXX XXXX  which I believe their system faulted. I believe this to be a billing error on XXXXXXXX XXXX  as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.
Consumer complaint received 2017-09-02
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. (WI)

I mailed a certified letter to Equifax on XXXX/XXXX/XXXX requesting method of verification for an account that is inaccurately reporting on my credit report. The company is AD XXXX XXXX SERVICES. Equifax received my certified letter on XXXX/XXXX/XXXX and mailed me a follow-up letter dated XXXX/XXXX/XXXX which I received in the mail on XXXX/XXXX/XXXX. However, the letter did not provide what I requested, which was method of verification. Furthermore, the letter stated that Equifax will not investigate which is a direct violation of my rights. I never asked XXXX to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Equifax spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Equifax claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Equifax has been unsuccessful in providing method of verification for AD XXXX XXXX SERVICES I demand this inaccurate information be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.
Consumer complaint received 2022-02-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I applied for a private loan at the age of XXXX in hopes of being able to afford university. The loan was originally disbursed through XXXX XXXX, who later changed their name to Navient XXXX. Originally this was a XXXX XXXX Smart Option Student Loan and was disbursed XX/XX/XXXX for a total of {$20000.00}. When Navient took over, the interest rate became a variable interest and has fluctuated as high as 11.625 %. My first payment with Navient occurred XX/XX/XXXX. Over the last 11, going on 12 years, Ive paid more than the original balance of the loan. 

When communicating with Navient, they have made it very difficult for me to obtain information. For example, when I inquired about removing my co-signer I was provided with incorrect information which prolonged the process. I believe that this was done intentionally. Additionally, when I ask for details regarding my loan such as repayment dates and explanation of interest accumulation, I am met with hesitation. 

I feel as though I have been a victim of predatory lending and that Navient should be under review.
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vantage Sourcing, LLC (KY)

Have requested itemized bill regarding XXXX charges several times. I have NOT received itemized bill and Vantage Sourcing continues to call me DAILY. They claim that I continue to hang up on them and that I have never requested itemized bill which, is completely untrue. And, ironically they say that all calls are recorded and monitored but seemingly they can not go back and review to confirm that I have requested itemized bill and to not be called any more.
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I had a modification for my home and because I made a partial. Payment in XXXX after paying four months, Ditech cancelled the modification and advised me to try for full document modification which took 7 months to get all The paperwork in. I got a letter denying the modification and I am very behind and I am expected to pay an extremely large payment.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Greetings, this is yet another complaint for the same issue as before, loan servicing company is again harassing and threatening to levy flood insurance alleging my policy expired in XXXX, XXXX, XXXX, when it did not. Just a few months ago they were doing the same and the policy was uploaded to their systems which shows expiry of XX/XX/XXXX, yet here we are again. How can we make this stop? I have owned multiple properties before and have never had issues like this with any lender/loan servicing company. 

Its most concerning and another reason for this complaint that the company does NOT have a customer help line. I have called the number on the documentation received and am given all auto options, but no option to speak to someone. Further, i have sent emails to the XXXX and those are never responded to. In my last complaint the company alleged not to have received my emails, i'm sure they will do so again, but i have the proof that they were sent. Can CFPB do anything about this? Are consumers to pay for these company 's incompetence?
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am writing to lodge a complaint with respect to XXXX XXXX Bank. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says that XXXX XXXX is a furnisher of information to a consumer reporting agency. 
It is against the law for the XXXX XXXX to provide inaccurate information. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the XXXX  2021 publication. 
XXXX XXXX Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this XXXX form.
Consumer complaint received 2023-02-22
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. (CA)

Theres are multipe hard inquires on my credit report that I did not authorize. I have called each and every creditor in an attempt to get them removed. Some have advised to me get in contact with the bureaus, and other said they would have them removed on their end, but they are still showing on my reports. They are the following below. 

XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

1. XXXX  XXXX | ACCOUNT # : XXXX | {$0.00} 2. XXXX  | ACCOUNT # : XXXX | {$13000.00} Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

1. XXXX XXXX XXXX  IL XXXX | REFERENCE # : XXXX
Consumer complaint received 2022-08-31
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. (MD)

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 
# XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NE)

I called on XX/XX/XXXX to request a refund of payments made since XX/XX/XXXX under the CARES Act and the rep said she would submit the request. However, there is no confirmation given and the timeline to reinstate my loans and to get the refund varies significantly to other servicers. In addition, I called back on XX/XX/XXXX to ensure my request was submitted and this rep said a complete different timeline and is no sort of confirmation available. I am essentially in the dark on whether or not these payments will get refunded to me and when. There is a lack of standardization and transparency regarding getting payments refunded.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES (IN)

Great lakes is trying to say I owe XXXX for student loans I never took out or received money for. The college XXXX online University is now shut down my credits aren't acknowledge by other universities anywhere I don't understand what's going on. I've never made a payment because I do not acknowledge this as my debt.
Consumer complaint received 2022-08-31
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. (NC)

In XX/XX/2022 I sent my first dispute letter to Experian. Altogether I sent 3 rounds. This account is invalid. The last name on this account is incorrect. Below is the dispute letter I've sent. I asked that they verify and validate all data on this account. I have yet to receive proof of validation. 

Dispute Letter Section XXXX Round 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian, as I analyze my credit report, I am shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Please verify and validate all data for this account. Every notation, dates and balances, whether reported or not. 

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 

Attachment : 1. Copy of my Social Security Card 2. Copy of my Driver 's License 3. Copy of my Utility Bill I, hereby, attest that, to the best of my knowledge and belief, the above information is true and correct. 
_______________________________________________________________ Signature NOTICE Notary Public is not an attorney licensed to practice law and has not given legal advice or accepted fees for legal advice ; provided no assistance in the preparation of the above referenced documents, and has no interest in any issue referenced therein. Notary is not a party to this action and is only acting in an authorized capacity as liaison to communications between the parties. Using a notary on this document does not constitute an adhesion, nor does it alter my status in any manner. The purpose for notary is verification and identification only and not for entrance into any foreign jurisdiction. 
WITNESS my hand and official seal.
Consumer complaint received 2024-02-14
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.