davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
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: CAVALRY INVESTMENTS, LLC (TX)

I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XXXX of XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Cavalry responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with Cavalry, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from XXXX and XXXX reflects a different account number for the same account that Cavalry is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is Cavalry still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is XXXX XXXX XXXX offering a settlement on an account that is not verifiable? 

For the second account, Cavalry merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XX/XX/XXXX states that a payment was due on XX/XX/XXXX, then how can Cavalry say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that Cavalry has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! Cavalry nor XXXX XXXX XXXX provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, Cavalry failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable.

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (NY)

Updated tradeline XXXX XXXX XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Consumer complaint received 2020-01-22
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: New Century Financial Services, Inc. (NJ)

The company New Century Financial Services have been calling myself multiple times daily for the past 6+ months. As well as having lawyers contact me on their behalf. They have also called family members phone numbers and contacted former addresses. Recently, they have threatened to take me to court. They have also sent a letter saying they put in an application for wage execution. I have been receiving false letters with a false docket number. Some letters going back to 2010, which is proof this is past the statue of limitations in the state of NJ. The people who call also are rude, hang up on me if I ask questions, and have been harassing me constantly. No matter how many numbers I block they continue to call, sometimes until XXXX.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I used an ATM to deposit a check for {$400.00} into my Bank of America checking account, written from an account of mine at another institution. After the ATM had processed the transaction ( with no way to cancel it ), I was informed that Bank of America would be holding the funds from this check for approximately two weeks. {$400.00} is a much lower amount than I normally deposit, and I have never in my entire history with the bank had a deposited item returned. 

On the same day, I logged into Bank of America 's online banking, and in the details of the transaction it said the full amount was " available to cover transactions posting on XX/XX/21. '' Today, XX/XX/XXXX, I logged into my non-Bank of America checking account and I can see that the check in question has cleared. I am able to download an image of the cancelled check and can confirm that Bank of America has received the funds for it from my other bank. Bank of America is still holding the funds, and will not be paying me interest, or otherwise compensating me for essentially having decided to steal money from me for two weeks. 

There were a series of debit card transactions between XX/XX/XXXX and XXXX which posted today ( XX/XX/XXXX ), but one transaction on XX/XX/XXXX did not. That transaction is now showing my account as overdrawn. 

I spoke with Bank of America 's customer service, and after being placed on hold multiple times ( totaling at least 15 minutes of waiting ), I was informed that : 1. There is no amount of evidence I can provide to prove that the check has already cleared, and noone at the bank is authorized to release the hold before XX/XX/XXXX. 

2. I will be charged overdraft fees, despite having relied upon written information provided by Bank of America 's online banking, which stated that the funds from the deposited item would be available to cover debit card transactions. 

I requested a call back from a supervisor but to date have not received one. 

I would like this complaint to be handled in writing, preferably by email. Please do not ask me to call you about this complaint.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is the fifth request for my credit report. One of their associates said it was complete and the sent another letter asking for more information. I sent them a drivers license and a social security. Now they want a birth certificate. I was not born here and I am retired. What else so the want a XXXX XXXX XXXX XXXX so they know I am annoyed. And you are not helping me. I will send a letter to my attorney and one to you so they know I am what is coming next annoyed. 

They previously sent me a copy of my report how is it they do not have. I will also send a copy of my first page of the report. Why can't you do something about this. 

THIS IS MY FIFTH ATTEMPT WITHOUT RESULTS.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (CA)

My name is XXXX XXXX My BBVA USA/Compass Bank credit card # XXXX Acct statement for XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX New balance {$7.00}, due date XX/XX/XXXX Payment was made by XXXX XXXX online bill pay {$7.00} on XX/XX/XXXX Bank posted my payment {$7.00} on XX/XX/XXXX *** See bank statement and front and back of the payment check attached. 

Bank started claiming my payment was late and put the late fee and/or interest charge on my account. 

I made several recorded calls to the bank asking to stop the wrong doings! Nothing was done.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Date opened : XX/XX/XXXX Status : Charge-off XX/XX/XXXXhas not responded to my mail in dispute in almost 90 days. 

I submitted 2 separate disputes by mail to XX/XX/XXXX in 2 different months on XX/XX/XXXX & XX/XX/XXXX. I have proof of signed signatures of the recipient of my certified mail at XX/XX/XXXX for each month that I sent in a dispute. XX/XX/XXXX clerk continues to say that they have not received my mail. It has been almost 90 days since a response from XX/XX/XXXX 
They usually have 30 days to respond and they haven't.
Consumer complaint received 2023-01-18
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. (VA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have auto pay with XXXX XXXX. I had the money taken out of my account, but they put the money back in my account. I had fraud done in my account and I had money taken out that was unjustified. XXXX told me that my payment was made on their site, so I never went to make the payment after. I then straightened out the fraud charges on my XXXX XXXX checking account, but XXXX XXXX still gave me a late payment. Im not sure why I got the late payment and I was not notified that the payment didnt go through. I just want the late payment forgiven. I got autopay to avoid late payments. Im not sure why the site told me I paid when my payment was collected and then added back into my account. It seems like a computer problem on their part.
Consumer complaint received 2020-01-22
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: ALLY FINANCIAL INC. (TX)

I have reached out to this company multiple times requesting documentation that proves they had permissible purpose to obtain my credit report. They have not provided any documentation so I am moving to sue this company. As such, I am filing a complaint to add to the documentation to be submitted to the court. 

I sent my original letter XX/XX/2019 via certified mail. I received a generic answer back explaining that they received an application. I requested proof of the document in question and was provided with no evidence of the same.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent letters to Equifax about a few negative accounts they are reporting to my credit report that I want verified with proper documentation. All they keep telling me is it they were verified with no proof at all. That does not do me any justice. It just seems like a computer generated response and they are not following FCRA regulations. If they can't validate these accounts correctly then I need them removed. They are taking my letters serious and these unverified accounts are hurting my credit rating.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

About on XX/XX/2024, I got a letter from Portfolio Recovery Associates LLC that I had a balance with XXXX XXXX XXXX  company. From the later, I figured out that the bank I need to contact for this matter is XXXX XXXX I looked up the website and got the phone. I called and explained that I have never opened a XXXX XXXX XXXX XXXX XXXX  started investigating the matter. The result was the account was unauthorized opened by someone else. I asked what I need to do with the letter from Portfolio Recovery Associates LLC, the answer was I would not need to worry about that because XXXX XXXX already sent a notification to Portfolio Recovery Associates LLC. 

On XX/XX/2024, I got a notification from the XXXX XXXX that Portfolio Recovery Associates LLC has sued me for the unpaid balance. I called the XXXX XXXX again and I got the same answer that the account was unauthorized opened and that the bank already senet a notification to the Portfolio Recovery Associates LLC. I asked the bank sending me a letter as a proof that the account was unauthorized opened. XXXX XXXX  did send me a letter. I sent a copy to the court and to the Portfolio Recovery Associates LLC to request that the case should be dismissed. 

I am currently working out of state. To show up at the court requires me to take 3 days off. From my earning, each day is about {$300.00}. Three days plus the air ticket would cost me about {$1000.00}.

I have called Portfolio Recovery Associates LLC and reported that I already sent in the proof provided by Synchrony bank. The employee from Portfolio Recovery Associates LLC verified with me she received and that she would handle it to her manager. 

I have not heard from Portfolio Recovery Associates LLC and I would like the case is dismissed. 

Attachment is the letter from XXXX XXXX
Consumer complaint received 2020-12-01
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. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-02-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (VA)

In XX/XX/XXXX, NFCU increased our equity loan payments from $XXXX/month to over $3000/month so we attempted twice to work with NFCU's mortgage mitigation division to refinance.  Both attempts were unsuccessful because they kept falsely increasing our income by including travel reimbursements for work within our income. We continued making on-time payments to our first mortgage with XXXX  during this process.In XX/XX/XXXX, NFCU began foreclosure proceedings so we hired an attorney but were unsuccessful in any negotiations.  NFCU has admitted in writing that the HELOC #XXXX was "charged to our reserves on XX/XX/XXXX".  NFCU also admits that they executed a foreclosure on XX/XX/XXXX followed by a XXXX  payoff on XX/XX/XXXX.  We have already received IRS XXXX notices pertaining to this transaction.According to VA Code Ann. § 8.01-228 et seq., the Virginia statute of limitations is five years. Along with the fact that NFCU already exercised a foreclosure by paying off our first mortgage and failing to work with us to refinance, we're requesting that this charge-off loan be removed from our credit report.  Thank you kindly,XXXX XXXX
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First has displayed an appalling disregard for the best interest of their customers by forcing checking account customers to upgrade to a " Premium Checking Account '' that charges a monthly fee unless you can maintain 3 different tasks ( 20 purchases a month, minimum {$500.00} direct deposit a month, and minimum average daily balance {$1500.00} a month ) that I personally wouldn't be able to meet any of. I looked through the email they sent me and then checked out their website too but no where does it say you have a choice to opt out. They're being deliberately deceptive, hoping customers will accept the fee and move on. I also feel a move like this is an act against those who are less advantaged - the average American can't keep a daily balance of XX/XX/XXXX, and many of America First 's customers get paid in cash only so direct deposit isn't even an option. Those customers don't have as much time to speak with someone or even look into their options, so they're effectively being strong armed into spending money that they already don't have enough of because they're not privileged enough to figure out how to not be victimized by America First. It's also offensive that many of their listed " benefits '' are literally less than standard bank " benefits '' XXXX no low balance fee? Unlimited monthly transactions? Really that's the best you could do? This is my cash, you have no right to stop me from using it XXXX. 

America First has every right to make the premium checking account an OPTION. To convert their customers against their will is immoral, corrupt, unfair, and in some cases abusive. I feel for those who don't learn that there's another option. I myself was feeling quite trapped because I have my auto loan and a credit card as well and you CAN'T pay either of those unless you have a checking or savings account. I thought I was going to have to close my credit card ( affecting my credit ) and refinance my auto loan if I wanted to avoid paying that {$6.00} fee each month. It also made me view that fee as a mandatory fee for paying my auto loan or credit card, which I'm pretty sure is illegal to give no free payment options. 

Until this I've actually been pretty happy with America First. I gladly used them instead of XXXX or XXXX XXXX until I found XXXX Checking and savings which get me a lot more money and benefits. I had a financial hardship with one of my auto loans years ago and they took great care of me which made me want to forever get my loan through them. That went away with this egregious behavior and I'll be looking much closer at other options next time I need an auto loan.
Consumer complaint received 2021-11-08
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. (TX)

Complaint : ( XXXX XXXX Bank ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX   XXXX XXXX  ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. 

XXXX must remove all information reporting from and relating to ( XXXX  XXXX XXXX  ) including third party debt collection accounts associated with ( XXXX XXXX XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX Account # XXXX
Consumer complaint received 2018-02-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NM)

NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Western-Shamrock Corporation (OK)

Was sent a letter in XXXX dated XX/XX/2017. Stated that my account was referred to branch manager for legal review. That they expected me to pay within 10 days of that date. Otherwise could result in direct garnishment plus legal fees. Please don't make legal handling necessary. I am on XXXX receive $ XXXX  month. This was a scare tactic.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (TN)

I just got this number last month. The debt belongs to another individual. I've asked numerous times for them to quit calling. The company 's name is Afni. I spoke to  XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.