davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (ID)

In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX XXXX closed the account for the XXXX XXXX Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( Cavalry Portfolio svcs ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from XXXX, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.
Consumer complaint received 2021-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (WI)

According to their payoff letter, I was to pay the balance of my loan by XX/XX/XXXX in the amount of {$10000.00}. I did this in a form of a paper check which they received on XX/XX/XXXX. They didn't process this until 7 days later which made me accrue interest of {$42.00}. I called them to let them know this is not correct since they had my check since XX/XX/XXXX and didn't process it. I asked for a supervisor and was hung up on. I called back and spoke to XXXX the " Supervisor '' and again, she told me the same thing. I told her that this is not correct since they had my check since XX/XX/XXXX. I asked to speak to her supervisor and she said no, there's no one else to speak to and gave me a physical address to mail my complaint. 

I never missed a payment with them, nothing is spelled out in the payoff letter about interest accruing. If I paid via online, this would not had happened. The fact that I paid it as a check is why. 

I ended up paying the {$42.00} today XX/XX/XXXX because I didn't want anymore interest accruing on this loan.
Consumer complaint received 2020-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Ive checked my Experian credit report and I have attempted to reach collections agency to resolve matter. The information shown on my credit report is inaccurate as it has been reporting to my credit negatively monthly and I have no way to contact them and resolve matter. Ive made multiple attempts with no avail. The amount is {$1100.00}.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have 10 hard inquiries I asked them to take care of and they FAILED to help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TRANS UNION, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2021-08-16
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. (IL)

Hello I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX, Illinois. XXXX 2021. I specifically told them Do Not Run My Credit I am a cash deal and already pre approved, because I was pre approved for {$55000.00} with XXXX  XXXX. I didnt need any financing from any other banks or dealerships. They ran my credit to other companies with out my authorization or consent. Ive contacted TransUnion, XXXX XXXX, and XXXX XXXX XXXX multiple times this month as well as last month regarding these inquiries reporting on my Transunion report due to unauthorized running of my credit by XXXX XXXX XXXX XXXX in XXXX Illinois. They kept pressuring me to run my credit to see if they can get me a better APR I refused multiple times. I stated I was not interested and please dont run my credit to anyone I have a pre approval letter. Few weeks later I get a denial letter from XXXX XXXX XXXX XXXX XXXX. Which XXXX XXXX XXXX confirmed they stop using 3 years ago. It also is being reported on my Transunion credit report along with 2 other inquiries that were not authorized XXXX XXXX XXXX and XXXX XXXX and XXXX inquiries are/was not authorized by me and should be removed immediately as I explained to the fraud departments of each of these companies prior to contacting the CFPB.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of XXXX  with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on XXXX. Im trying to get rid of this account because I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.
Consumer complaint received 2020-07-14
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. (CA)

I am a victim of identity theft ; I have filed police reports and an FTC affidavit indicating such. 

The following account is a result of Fraud ; XXXX XXXX XXXX - {$430.00} The following Inquires are a result of Fraud- XXXX-XX/XX/2020 XXXX XXXX  XXXX XXXXXX/XX/2020 XXXX- XX/XX/2020 XXXX XXXXXX/XX/2020XXXXXX/XX/2020XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/2020XXXX XXXX  XXXX XX/XX/2020 XXXX-XX/XX/2020XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX-XX/XX/2020XXXX   XXXX XXXX XXXX-XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX- XX/XX/2020 XXXX XXXX XXXXXX/XX/2020XXXX XXXX-XX/XX/2020 XXXX XXXX-XX/XX/2020 XXXX-XX/XX/2020
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America has consistently denied me temporary credit to my account for fraudulent and dispute related transactions. On XX/XX/2020 I was advised that Bank of America was considering closing my accounts due to the number of claims I have filed on my account. All of the claims I have filed have been legitimate. The manager who advised me of this consequence also stated that Bank of America 's average customer claims in a one year period is two and I have had seventeen. 

Bank of America is violating my consumer rights by threatening to close a consumer account because of the number of legitimate claims a consumer has filed. 

The Federal Insurance Deposit Corporation guarantees a consumer 's account up to {$250000.00} if in the event the consumer experiences fraud or the bank fails. 

Bank of America in the past has issued temporary or provisional credits when I have filed a claim without having to wait the 1-10 business days. The manager advised me that Bank of America was no longer providing me the benefit of receiving a temporary credit due to the number of claims processed. 

Bank of America is violating my consumer rights by taking away a benefit they granted me in prior claims for my most recent claim. Bank of America is doing this to discourage consumers from filing claims. Consumers with legitimate claims will be intimidated or discouraged from filing legitimate claims because they will fear the bank will take their temporary or provisional credit away or the waiting period will be extended. 

Bank of America has a fiduciary duty to its consumers and to protect it from fraud and illegal activity. When a consumer reports its card lost or stolen Bank of America has a duty to restore the customers account without delay. 

Bank of America is in violation of the FDIC requirements to insure my account against fraud or fraudulent activity. 

For the reasons herein and supported by evidence I respectfully requests the Consumer Financial Protection Bureau investigates Bank of America and this complaint thoroughly. 

If you have any further questions or concerns please contact me directly at ( XXXX ) XXXX. 

Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2021-04-30
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. (TX)

Requested loan payoff through credit union. The bank incorrectly processed payoff and closing request and reported a missed payment instead. My credit score dropped 74 points on XX/XX/21 as a result of the incorrectly reported missed payment. I opened a dispute and the dispute was found in my favor. The report was corrected but my credit score remained the same. I would like my SCORE to be adjusted to reflect on time payments and that the account was closed in good standing. This is resulting in unnecessary undue hardships on myself and possibly monetary loss as a result of interest rates that are not as favorable due to a low credit score.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

I received the response from complaint XXXX and I am disputing the charge for the RETURN PAYMENT FEE. This was CREDITED to me so why is PAYPAL CREDIT recharging me for it on my minimum payment?
Consumer complaint received 2017-09-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX my XXXX XXXX XXXX was totaled in an automobile accident by XXXX XXXX XXXX. Odometer reading was XXXX. The XXXX was towed away from XXXX XXXX XXXX. Salvage title retained by XXXX XXXX XXXX. 

The XXXX was part of my Chapter XXXX Bankruptcy. The Bankruptcy was DISCHARGED XXXX XXXX XXXX. I paid off the balance of the payments mid XXXX XXXX. Well Fargo Dealer Services does know and acknowledges the BK Discharge but insists it must get a letter of confirmation from the Trustee, XXXX XXXX XXXX. There is NO WAY I could have gotten a DISCHARGE without paying off the balance of the remaining 4 or 5 months of the BK plan. 

Anyway, no amount of calls and complaints to Wells Fargo Dealer Services has gotten a LIEN RELEASE. Including a call to Wells Fargo " Office of the President '' which is a team of people who take complaints about Wells Fargo. They told me they have 15 days to respond and gave me a case number. The office of the Comptroller of the Currency gave me the Wells Fargo corporate number they have ... it is to a call center in XXXX XXXX, SD, who could not put me through to the corporate office. I did call the WF Corporate office in XXXX XXXX myself. Their answering machine says they are not taking calls ( no matter what time of day I called ). 

I still DO NOT have a lien release so I can get the insurance payoff for my totaled car. I need the payoff to purchase a car. My bankruptcy attorney has said that Wells Fargo has complicated several cases for different reasons and wished me " luck '' in dealing with WF. 

Please help me to expedite my XXXX automobile title LIEN RELEASE which I am entitled to!
Consumer complaint received 2022-04-07
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. (NC)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Twice on XXXX I called in to close my account and was hung up. The person picked up and said I can help you and said to say my account number. Then they hung up on me. 

The other time I called and went to the account closure portion of phone number and when it got to where someone would pick up it was hung up on. I had perfect cell reception of 5 bars so near impossible it is on my end both time just when I get to an agent. Very poor service.
Consumer complaint received 2020-05-30
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. (NJ)

Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : Credence Resource Manage XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX, XXXX of XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-07-19
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Funding LLC sued me and secured a default judgment using a process server that lied in an affidavit of service. The process server was punished by XXXX Department of Consumer Affairs. Midland never provided me proof that they owned the debt prior to suing me. I was never notified of the assignment of my XXXX account to Midland prior to the lawsuit being commenced. Midland continues to garnish my wages even though they know that I am the victim of sewer service and that I dispute the debt. I complained about this to CFPB ( CFPB case # XXXX ) but my complaint was against XXXX ( the original creditor ) since I thought the debt was one covered under the consent order between XXXX and the CFPB. XXXX notified me that this account was not covered under the Consent order and informed me that Midland would be in touch with me to address my complaint. I have not heard anything from Midland as XXXX had promised.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

Complaint of XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX : On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, our trust operations back office XXXX and XXXX XXXX XXXX  XXXX  ( XXXX  ) filed a Hold Harmless and Indemnification ( HHL ) for the return of an unauthorized {$40000.00} wire transfer processed on XX/XX/2020. 

It is our understanding the receiving account at JP Morgan Chase ( JPM ) is frozen ( because of irregularities identified by JPM personnel ). XXXX  also informed us that after the HHL was approved, the funds ( or a portion of the remaining funds on deposit ) would be returned.

No funds have been returned and despite numerous inquiries of XXXX and JPM, we have received no communication from either bank regarding the status of the frozen account. 

We believe that it is incumbent upon JPM to provide the investigative update on the frozen account and the approximate date of return of these funds. 

JP Morgan Chase Case # JPMXXXX  Reference # XXXX  REF XXXX JP Morgan Chase fax number for the claim area : XXXX.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

We had major damage to our home from a storm that came through. Our home owners insurance covered all the damage to the property. When the insurance company sends checks for the damage, they also have the mortgage company listed on them. Citizens One appears to have smooth process that should go quickly to send them the check from the insurance company, the paperwork from insurance with the damage claim, the invoices from contractors who have done the work. We had done all of these items. Citizens One Mortgage  said they release the initial {$40000.00} without an inspection but with invoices. We had invoices totallying over {$40000.00} submitted. The check was for {$42000.00}. We never saw the {$40000.00} released and sent back to us. The inspection was scheduled for XXXX XXXX. We spoke to the inspector. He came took photos and submitted his findings. Fast forward weeks to XX/XX/XXXX when we call once again, and they say they haven't gotten the inspection reports. However, the {$40000.00} should have been released prior to any of that because they said they were releasing it. It's XXXX XXXX and we still have not seen any of the funds released back to us. Citizen One said the check will be overnighted. Our contractors are waiting to be paid. The roof damage that was invoiced at $ XXXX was FINISHED by XX/XX/XXXX. I have been lied to, led to believe things were getting taken care of on the end of the Mortgage company so that we in turn could pay our contractor, yet here we are months later and still no payment.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITY NATIONAL BANK (CA)

On XXXX XX/XX/2022 I initiated a check # XXXX Payable to XXXX XXXX XXXX XXXX XXXX XXXX  ) and sent it via XXXX. At some point said check was forwarded to my bank, City National Bank ( ref. Bank ) at which time the bank debited my account while forwarding the dollar value, {$12000.00}, to some other entity other than the named recipient. 

Hence the payee reports never having received my payment & instituted late payment charges against my account. Since that time, it has been noted that the check in question was probably stolen at the XXXX, XXXX XXXX XXXX XXXX was advised of the incident, they graciously removed all late charges. 

However, the Bank has debited my account while undertaking an investigation to identify the whereabouts of my money which they incorrectly distributed to an unauthenticated party. 6 months has elapsed & the Bank has not made my account whole, further they report said restitution could take up to a year or more for them, in the meantime I'd be carrying their mistake, this is not acceptable, and I demand they make my account whole immediately without further delay!
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (UT)

I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) Corelogic XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (NM)

Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of experian with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on experian. Im trying to get rid of this account because I am currently XXXX  an overseas tour in the XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.