davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have tried on numerous occasions, both online via several Equifax online programs, paid and free services including but not limited to my.equifax.com,  Equifax Lock and Alert, Equifax premier, and via numerous telephone conversations to have my credit file unfrozen. I have spent numerous hours on the phone daily with Equifax and continue to get the run around from various representatives and supervisors and no one can unlock my credit report file due to an internal error. Their only solution is to email support as their is no one higher they can physically call. I have been unable to unfreeze my credit file nor have any representatives from Equifax for the past week.
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AR)

On XX/XX/XXXX @ XXXX hours Cavalry Portfolio Service received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I received a letter dated XX/XX/XXXX stating " the dispute lacked specific facts or information which would allow us to conduct an investigation ''. " Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA ''. I find this totally erroneous and unacceptable from Cavalry Portfolio Service.. As per the Fair Debt Collection Act, section 809 ( b ), Cavalry Portfolio Service is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Cavalry Portfolio Service received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Cavalry Portfolio Service has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Consumer complaint received 2018-09-19
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. (MO)

For the fifth time : UPDATE : Re Chase Letter Dated XX/XX/2018 CFPB complaints XXXX, XXXX, XXXX, XXXX Attached is written authorization to speak with XXXX XXXX and XXXX XXXX. Chase representative previously entered the information on my account from me on the phone and stated this would allow future communication with XXXX and XXXX! 

Your letter regarding XXXX  XXXX XXXX unable to locate account is false. The routing number is used for all XXXX  XXXX XXXX wires. The account numbers are all valid active commercial accounts. These accounts are not mine. 

Your letter regarding XXXX XXXX XXXX customer advised not authorized, Chase failed to follow up to trace the source of the electronic payment just as Chase failed to follow up on the 3 XXXX  XXXX XXXX electronic payments to track down the scammer. 

I am in receipt of the action letters Chase dated XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 included with your correspondence XX/XX/2018. I have not previously seen nor received these letters. Again, the Notices and Letters on my account show no notices were ever sent! 
Attached is the current Notices and Letters screen shot as of XX/XX/2018 verifying no notices have ever been sent. 

The first action letter from Chase states ; Weve canceled any future electronic payments. Yet Chase failed to cancel future electronic payments. Two of the electronic payments were from the same account at XXXX  XXXX XXXX. 

Further Chase states in the XX/XX/2018 letter ; we reviewed the calls regarding the returned payments. The statements in the paragraph are incomplete and inaccurate. 

Please provide ALL phone conversations in electronic format and in written transcript with me whether initiated by me, by someone else, or by Chase, regarding my account including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as stated in your letter. 

Remit the balance due me and reverse the scammer transactions per the attached worksheet. Please close the account permanently with XXXX balance. 

Attachments : Privacy Release Authorization Notices and Letters XX/XX/2018 Chase Credit Card Complaint Detail IRS Employment related Identity Theft Notice CC : XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (GA)

On or about XX/XX/2022 I called Pen Fed customer service line to inquire about the balance that was showing on my Pen Fed Credit card because the previous 2 month I had made a {$300.00} payment. When I looked at the balance from the balance transfer the bank had only applied {$42.00} to my balance transfers. When I spoke with the customer service rep he told me that the bank use an algorithm to do the allocations of funds and that I did not have a choice as to how the payments were applied. He stated that if I made the minimum payment and waited until the billing cycle closed and made the payment for the outstanding balance the balance would be paid off so that was what I did, only to find out when I get the statement the following month it shows that I had a cash advance in the amount of {$92.00}. I then call back and spoke a different rep and was told the information as the previous rep stated so I ask to speak with someone that could fix the problem. The rep did forward my situation to a supervisor. The supervisor got back with me that same day and told me that the only thing that she could do was to refund the interest that was charged to the account and in order for me not to pay any interest I would have to pay about {$380.00} and that would have cover the cash advance balance. 

As I was talking to the rep I research the rule for this issues and it states that the card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment. During the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances. Pen Fed did not do that as stated by Consumer Financial Protection Bureau XXXX XXXX Allocation of payments.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I'm writing this complaint and there is no third party involved. 

To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

3. Deletion from all consumer reports.

4. Delete all my personal information from your company.

I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return the attached completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-11-02
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: JPMORGAN CHASE & CO. (IL)

My credit card was used at an XXXX XXXX outside my home city on three transactions in one day ( XX/XX/2019 ). One for {$1500.00}, second for {$1500.00}, and third for {$430.00}. When I noticed the charges the following day, I called Chase to cancel the card and send me a replacement. I also disputed the charges, the charges were then temporarily removed and then added back on my account. I have had a Chase credit card for almost 4 years now and have never disputed a charge until now. My credit limit is {$5000.00} and this fraudulent charge has caused me to go over my limit thus negatively effecting my credit score.
Consumer complaint received 2020-08-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I applied for a mortgage refinance on XX/XX/2020 with Navy Federal Credit Union. On XX/XX/2020 NFCU advised they received the home appraisal completed. The processor advised me we were within 2 weeks of closing. The file was transferred from XXXX XXXX to XXXX XXXX. He did not return calls or emails with me. He states he did not receive rate lock in paperwork. He delayed even requesting subordination on the loan until I started calling the main line and complaining and requested title company information be added by the representatives. By this time I had been escalated several times to managers. XX/XX/XXXX XXXX XXXX supervisor requested updated information..paystubs etc. I was not happy but did resubmit. I complained online on social media Asking for my money back-then they asked for another credit report and transferred me to XXXX XXXX a new mortgage processor. I am still waiting and being stalled its XX/XX/2020. I called and confirmed with XXXX  XXXX XXXX they only received the request for subordination XX/XX/2020 and it should take them 7 business days to respond. A simple refi should not take 8 or 9 months. A class action lawsuit needs to be brought against them. This is happening to many borrowers.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

I have been getting the runaround from Selene Finance since XXXX of XXXX. My loan was transferred from XXXX to Selene Finance. I have a previous complaint against Selene : no XXXX. Unfortunately, the issues have not been resolved. On or about XX/XX/XXXX, I received loan modification docs with my Ex-Wife 's name. I sent Selene an email to notify them of the error. They asked that I send them a copy of the quitclaim and divorce decree. I sent it close to 10 times, and they've denied receipt for the past three months. 

I had to file a complaint for them to honor the original modification agreement with XXXX. However, I called today, and they informed me I would have to begin the process over. They did not provide any sound or logical reason.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

XX/XX/19 Sunrise Credit Services is saying I owe them $ XXXX.I have never had an account with this company, nor do I owe them {$550.00}. Ive previously disputed this and I dont know why this is still on my credit. They have yet to produce a signed copy of my signature stating I have an account with them.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

My ex husband and I had a joint account at Best Buy. He agreed to take the account and the debt in our divorce agreement. Citibank is refusing to remove me as a joint account holder although I am no longer legally responsible for any debt incurred on that account from the date of separation. My credit score just dropped 35 points because the balance increased by {$1000.00} and is now over the credit limit by {$500.00} due to his mismanagement of paying a promotional balance in the set time frame and being hit with an exorbitant finance charge. I do not have the full account number but the primary account holder is XXXX XXXX XXXX and the last four digits of the Best Buy account number are XXXX. 
I want to be removed from this account immediately. Simply having the account closed will not resolve the impact to my credit score. Citibank should be providing excellent customer service in this matter by removing me. Best Buy no longer offers joint accounts for this very reason. I should not be penalized for something that is no longer even in effect when it comes to applying for a Best Buy card.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have a personal loan with USSA Federal savings bank, account number XXXX where I currently pay about XXXX  per month. But they charge interest to where the loan amount accrues XXXX dollars per day. I did not know this until after I got the loan. I got the personal loan one year ago and the loan amount was {$15000.00}. After making monthly payments on the loan I noticed that the loan amount went back up a XXXX dollars per day. I then called USAA about this and the lady told me that the loan does accrue XXXX dollars per day. I think this is crazy and predatory. They also refuse to refuse to get the late payment from my credit report concerning my personal loan. I fell on hard times and I am a XXXX veteran and get XXXX  at times and XXXX and XXXX and I dont feel like taking forever to pay this loan back.
Consumer complaint received 2019-11-02
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX XXXX/XXXX XXXX and XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-11-02
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America called me at XXXX XXXX I do not have an account with them and pleas file the complaint against them also what else should I do? 
In the bottom is the picture of the time call and phone number
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (FL)

I received my credit report and found that Afni Inc falsely  reported the following account number : XXXX I have never done any business with Afni Inc and Afni Inc refuses to supply me with information concerning the date of last activity on the account, verified by the original creditor..Also Afni Inc ignored my CEASE and DESIST letter, my validation letter and many other letters Please help me find out from Afni Inc the date of last activity that XXXX XXXX has verified Thank you XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2019-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX and XXXX  XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

As of XXXX XXXX til now I have great frustrations due to monies being taking from my account because of fraudulent activity which I assume is within the company. Each XXXX day of the month, the state deposits {$230.00} to my account and before I can make a withdrawal, my funds are automated drafted by companies that I have not visited or purchased from. This affects my entire family due the funds are deposited by the state for the needs of my children. I have had three cards canceled and replaced only to have the same issues. Im just sick of it!! My card stays in my possession but being told by one company that my card is used within the store to make purchases, baffles me. Apparently the fraud is within the company division where as to duplicate copies of the card is made and are being used sending my card either into overdraft or monies taken. Sad enough that the entire world is affected due to the pandemic of COVID, its even horrifying that people with accounts are suffering financial losses because of petty thieves and hackers who STEALS!!! What makes matters worse, is not being able to talk to a live person to rectify the problem or or being transferred to a certain division to rectify the situation only to be on hold for hours until they HANG UP!! Its very discouraging. They send out papers to dispute the charges, you return them only to get a letter telling you that they saw that there was no fraud. So basically, its easy for the scammers to take the money but its no luck getting your money back so it continues to happen. This company should be investigated, starting with those who works in the department of creating the cards. This is happening way too much and to too many people who now suffers majorly from hundreds of dollars of the states money being stolen. This is not right. This is not fair. There should be a more strict security policy to keep things like this from happening. I beg you to please investigate this problem for the sake of myself and other cardholders who suffers the loss. Show that you care and that you are not apart of a company that is taking from us. Thank you so much
Consumer complaint received 2020-09-07
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)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-07-27
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. (PA)

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/2013 Fraudulent account open in my name i did not apply for a XXXX  XXXX credit card nor did I receive this credit card or authorize anyone one to apply or use of this credit card this account is identity theft