davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

My bank account had a court ordered hold placed upon it and when I contacted them, I was told that a debt collection agency, called Cavalry Portfolio Services, had done so. I received some paperwork about the debt from the collection agency after I contacted them, and found that they delivered paperwork in 2015 to a XXXX  woman, and did not get her name. No one of that description lives at my residence and I have no knowledge of opening the credit card with the original credit, XXXX XXXX XXXX XXXX.. The bank deposited the amount that was originally in my account back in my account, which I used to pay bills, and afterwards another hold was placed. The bank does not who placed this hold, however, I am suspecting it is the same collection agency. They have also caused my balance to be negative because I used the previously released funds to pay my bills. This a case of identity theft as I did not open this credit card at all and was not notified of any balances I had due nor did I have any inkling of who opened the account or that it had been opened in the first place.
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

About XXXX years ago, I paid the debt below in full : XXXX XXXX XXXX XXXX XXXX way XXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX Account number : XXXX Reference Number : XXXX On XX/XX/XXXX I received a letter from and spoke to XXXX XXXX of Portfolio Recovery AssociatesLLC and stated debt was paid years ago and not to contact me. 

On XX/XX/XXXX I called and said I do not owe the debt and not to contact me by any method. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (IA)

Synchrony Bank has several accounts listed on my credit report that were sold to collection agencies. Ive called and spoke with Synchrony and they informed me that I need to pay these collection agencies so they can mark the account settled. Due to the length of time that has passed, the companies these debts were sold no longer own these accounts. Since Synchrony informed me that they " do not recall debts '', it has made it impossible to rectify this issue. There are also many issues with these accounts such as original credit limits missing. Synchrony Bank has over 22,000 complaints with the CFPB with many of them pertaining to incorrect information. I think the CFPB needs to closely examine this company 's ethics when it comes to credit reporting.
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTECH DIVERSIFIED, INC. (TX)

On XX/XX/2020 collectech diversified reported 6 diffrent amounts to my credit from XXXX XXXX. 
{$96.00} {$220.00} {$88.00} {$320.00} {$350.00} {$320.00} I never recieved the a bill for any of these charges and also I was never contacted about them. I also have no idea what any of these charges are for.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (CA)

I was a co borrower with my ex wife on a XXXX XXXX account account once we broke up she up she took the furniture and said she will take responsibility of the account I wrote in called in called and did everything in my power to notify XXXX XXXX that I want it to be removed off the account once she stopped paying the account they refuse to remove me Now the account is in collections on my Credit report I called into XXXX XXXX to settle the debt because I am trying to purchase a home and they told me her account Was referred to a collection agency named nationwide collection agency inc I called them and they told they told me my name is not on the account and they can not speak to me about the account and I continue to get the run around from XXXX XXXX and nationwide inc And XXXX XXXX told me that I need to find where my ex wife is and contact her so we coukd settle the account which I wouldn't even know how to begin to do that since we have not spoken and over 3 years
Consumer complaint received 2022-04-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (OR)

M & T Bank did not provide us with an itemized breakdown or disclosed attorney fees in the final loan modification. 

We have been working with our lender M & T Bank with assistance from HUD, to modify our loan due to covid, as we had initially applied for a forbearance. 

When we received the loan modification documents, on XX/XX/2022, we were expected to return them by XX/XX/2022, 10 days. We reached out to our HUD counselor, XXXX, who has been an angel, to help us understand the loan modification, as well as be on the call with us to M & T Bank, today, XX/XX/2022. 

We spoke with XXXX who identified herself as a member of the Single Point of Contact loan modification team with M & T Bank. 

We explained that in the loan modification documents M & T Bank stated : " HUD will advance payments you are behind plus attorney fees in the amount of {$35000.00}, plus the above contribution will bring the account current. '' However, in the above contribution estimated costs there are no fees listed. The document goes on to state : I have enclosed an interest free subordinate note and a subordinate mortgage to HUD for the monthly payments, attorney fees and principal balance reduction in the amount of {$41000.00} for a total of {$76000.00}. 

There was not a breakdown of other fees or attorney fees included anywhere in the loan modification documents. When we asked for a detailed breakdown list of all of the fees. XXXX asked us if we were accepting or refusing the loan modification. We said we wanted a detailed list of all the fees the M & T Bank was charging as they were not listed in the loan modification documents, and we asked for an extension date to return the documents. It wasn't until XXXX, our HUD counselor, said that we have the right by law to know what these fees are, that she ( " XXXX '' ) offered an " escalation '' to allow us an extension of 7 days ( to XX/XX/2022 ), and that M & T Bank would get back to us. 

If you require more information, we can send you the entire loan modification packet. 

Thank you for your time and attention to this matter.
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (OH)

on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with BBB. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by experian without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX  XXXX-XXXX-XXXX,   transunion XXXX-XXXX-XXXX then XXXX-XXXX-XXXX, equifax XXXX-XXXX-XXXX.
Consumer complaint received 2019-03-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2018 I requested due to hardship, at the time there were not options for gov  workers. On the call capital one setup payment arrangement. I have attached the document, and the new document from capital one. Over the phone, and in the hardcopy document it never said that a " specific '' month would be put to the back of the loan. I thought the agreement was for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. On XX/XX/XXXX, XX/XX/2018 payment would have prevented XX/XX/XXXX for being late, and XX/XX/XXXX payment would have prevented XX/XX/XXXX from being late. I called again and asked why I was reported late for XX/XX/XXXX, XX/XX/XXXX months when an agreement was in place. The issue is, why would capital one make me more late. A plan is supposed to help get you out of debt, based on what capital one is saying they just made an arrangement, this didn't help me to be current if it made / reported late for those two months. This is predatory, and the agreement never mentioned it was only for XX/XX/XXXX,XX/XX/XXXX payments, I was already late for those based on capital one data, why make me more late? Calling over the phone I was upset with the rep, and one advised at the leastXX/XX/XXXX definitely shouldn't have been late. Capital one reported predatory payment and I think at the least if they don't want to investigate XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, atXX/XX/XXXXt, and XX/XX/XXXX should not have been reported I feel it was incorrect. Please show me where in the agreement, that it said the two payments pushed to the back of the loan were for XX/XX/XXXX,XX/XX/XXXX. If I call in XX/XX/2018 as mentioned before, I wasn't let yet for these months.
Consumer complaint received 2018-12-09
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. (NC)

Please know that I was not late on this account. I wonder why Equifax, XXXX and XXXX report it as late XXXX/XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2018-12-09
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY (PA)

I am filing this complaint because Wells Fargo the amount and interest accrued for my student loan consolidation is incorrect. They are doing this on purpose. I applied for a student loan consolidation through Wells Fargo to consolidate the current loan, I have with XXXX. When I put in the application Wells Fargo had the amount of {$5100.00} on the approved disclosure know that my principal amount plus interest was more than {$200.00} lower with XXXX. There was no loan origination fee connected with the loan. I was told that Wells Fargo usually overpays the student loan to make sure the student loan is paid in full. If the amount happens to be lower after the payment clear they will adjust the loan accordingly. But they are doing the opposite after the loan get approved and the funds got disbursed. 

I put in an application on XX/XX/2018. The loan request agreement was signed and upload to the Wells Fargo website on XX/XX/2018 but the fund wasnt disbursed until XX/XX/2018. It looks like Wells Fargo waited over 10 days to disburse the loan so the interest rate could go up to the amount of {$5100.00}. As of XX/XX/2018 XXXX, still havent received the check sent by Wells Fargo. But I was already receiving statements in the mail for payment due in XX/XX/XXXX. When I log into my Wells Fargos account to check on the student loan, I noticed interest rate has already accrued starting on XX/XX/2018 before the funds was disbursed to XXXX. 

To summary everything, I found something really wrong with this loan with Wells Fargo. First, they have the incorrect amount for the student loan consolidation I applied for in the amount of {$5100.00}, but my principal loan amount plus interest with Navient is more than {$200.00} lower. Second, they are charging me interest on the loan and I am receiving statements in the mail for payment due in XX/XX/XXXX before the check is clear with XXXX. How do they know the amount would be {$5100.00} when the check clear with XXXX?? Since I am still paying down the loan with Navient every month. I make over the minimum payment. So, the principal amount plus interest would be lower. It is illegal to take the extra amount beyond what I owe XXXX so Well Fargo would have to adjust the amount and correct the interest. But they are refusing to do that!! 

I called up the Wells Fargo on XXXX about the student loan and told them the situation but Well Fargo refuse to do anything about this issue. I was connected to the executive office regarding this issue and was assigned an analyst to work on this issue. The analysts name is XXXX XXXX her number is XXXX ext XXXX the case number : XXXX. She is available between XXXX XXXX XXXX Eastern Standard Time. I should be receiving a response from her by XX/XX/2018 before the XXXX holiday. As a result of this, I have no choice but to file a complaint with the Consumer of Financial Protection Bureau. As of XX/XX/2018 my loan with XXXX is still active so now I am stuck with two loans.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I deposited a check from my mortgage that came in my husbands name into my account XX/XX/2020. The check was cash and deposited into my account. But I was advised that my account was frozen since the the check was in my husband name. Tried to get the check reissued and mortgage bank told me it was cashed. Now I filled out a paper my husband notarized and signed saying he agreed with it and I am still being given the run around and still want me to do more.
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Louisiana Child Support Account # XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I have a credit card from Victoria Secret through Comenity Bank. I was charged a late on XX/XX/XXXX in the amount {$50.00} due to the payment being passed XXXX EST. However when I look at the terms and conditions provided by the bank for late fees and penalties their paperwork does not specify payment is due EST and their terms specify the late fee amount is {$25.00} or {$40.00}, not {$50.00}. 
I have contacted the bank on XX/XX/XXXX about this issue and was told my payment was late thus the fee of {$50.00}. When I said I made my payment before the cut off time in XXXX and have the email for it I was told the time only applies towards EST. I advised their paperwork through the online bank does not specify time zone and the fee amount was over charged I was given silence and told it is what it is and to be sure to make payments on time.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXXt. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) 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 in accurate.
Consumer complaint received 2022-01-10
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. (TX)

Since XX/XX/XXXX started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I paid XXXX - XXXX over the required payments .... I have 2 interests rates. 5.99 and 6.99 %. 

I expected the extra XXXX to go to the 6.99 % intersest - it did not ... only {$60.00} went to the 6.99 rate. 

The customer rep told me the apply the interest towards the lower rate. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted XXXX, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  XXXX
Consumer complaint received 2020-07-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC. (UT)

XXXX is trying to collect on a debt that was identity theft. I have sent them several documents told them and several of their collection people who are coming to the my house that it was fraud. I have sent them documentation as well. It's on my credit report they won't remove it. The last report I filed they said that wasn't even their account. As far as I know I think the vehicle they may be looking for has been wrecked and destroy. I do know this was identity theft and I never took a loan out with them. We have a car that is similar in description and I'm afraid they may try and take it and make a mistake.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I am on XXXX XXXX in the XXXX XXXX and this late payment is really hurting my credit
Consumer complaint received 2018-02-03
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. (OH)

I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.