davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

I've attempted to resolve this Identity Theft issue with Cavalry Portfolio multiple times. I even submitted a request to the credit bureaus and the bureaus have not been compliant per FCRA 605B. 

This account was a result of Identity Theft and I request that it be blocked/removed IMMEDIATELY. I've submitted all requested documents per the FCRA ( ID, FTC Report, and detailed request ). This account needs to be blocked/deleted as it is not mine. I already tried requesting validation and disputing multiple times and have even requested method of validation and I simply get a response saying " We've determined this account is valid '' with no further details. 


Please see my supporting documents attached for the Identity Theft report and have Cavalry Portfolio/XXXX XXXX delete this account for me.
Consumer complaint received 2019-05-16
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. (IL)

To whom it may concern : On XX/XX/2019 I sent Equifax 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX  that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received one response on XX/XX/2019 from Equifax stating that inquiries were verified. I did not recieve any letter from Equifax regarding the 2 XXXX XXXX XXXX XXXX. Which is a clear violation of the Fair Credit reporting act. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer-generated response. It does not say who they talked to, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires and credit cards should be removed from my credit report immediately. I have attached both my letters and Equifax response. 

Thank you XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have had capital as one of my first credit card and it was a great experience, one thing i was doing is trying to automate all my credit card payments to make sure no human error was involved but as a result I had some payments go missing and as result of paperless billing I was never able to notice about 3-4 months later. 

If you look at my report as soon As i found out I was behind on payments I made sure It was taken care of right away and as a result becoming a paid account. 

so all in all the automation process I was executing in my life at a very young age created issues as far as 120 days late which was a very bad mistake but once I knew the capital card received the money.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

It is very difficult to get in touch with this company. 

1. When you call them on the telephone, you go through a menu and then they send you through a 3 minute long XXXX  information about something or the other. 

I don't speak XXXX, and that is not helpful. 

2. Then, by the time you get a guest service representative on the phone beimg disconnected or having a connection so bad that there is no intelligible conversation is the norm. 

3. if your mortgage payment is late, they automatically block you from accessing your information on the website. And, that is where you can set up a payment. 

So, if your mortgage payment is late then you have to call in and POSSIBLY get a connection and then pay the representative charge. 

4. I sent them all of the documents that they requested by registered mail, and I signed all of those documents and now they insist that the documents have not been signed. 

XXXX! 

and the only way that I found out about the loan modification documents is because I called in over the space of about an hour trying to get in touch with the representative. 

5. I got a call from the company that said that I was a candidate for interest rate modification down to the market rate at no cost. 

when I called the company back, they had no idea what I was talking about and the person who made the call did not even send out the paperwork. 

and that is bad, because I'm working against the deadline and delays like this make it such that I might not be able to get the modification.
Consumer complaint received 2020-06-01
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. (KY)

This was a " secured credit card '' opened in XXXX with a {$300.00} credit line secured with a {$300.00} deposit. I stopped using this card and requested for it to be closed in XXXX. I was to receive my {$300.00} deposit back unless there was a balance then I would either see the difference refunded or nothing at all. According to my records I should have gotten {$300.00} back, but instead they added frivolous and predatory charges and fees to this account and subsequently charged this account off. Therefore causing damage to my credit report.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CA)

I requested validation of debt and HIPPA authorization. 
Never received either of this requested documents. 
This company is listed on my credit report even though they never verified the debt. 
Please see attached letter I have sent them.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ad Astra Rec not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NJ)

I have been a customer of Wells Fargo for over 15 years. Wells Fargo has consistently approved debit card transactions and transfers on my account and then charged me overdraft fees after the fact. This is not a one or two-time occurrence ; it happens consistently. They will make sure to process transactions in an order that assures that you will get charged as many overdraft fees as possible.
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (MA)

I have been trying to work with XXXX XXXX XXXX to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to XXXX XXXX XXXX multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response
Consumer complaint received 2019-05-16
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. (IL)

To whom it may concern : On XX/XX/2019 I sent TransUnion a letters regarding errors on my credit report. The letter was about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received a responses on XX/XX/2019 from TransUnion explaining inquires. They did not take the time to investigate the inquiries. This is a violation of the Fair Credit Reporting Act. They are required to conduct an investigation. I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires should be removed from my credit report immediately. I have attached my original letter and TransUnion response. 

Thank you XXXX XXXX
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

I have tried numerous times over the past several months disputing inquiries with credit bureau for inquiries I did not apply for a job or was granted a line of credit with companies who pulled a credit report inquiry. I have also mailed each company directly several times over the past several months and am not getting responses Below is a list of unknown and unauthorized inquiries. 
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 XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX A XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SER XXXX/XXXX/XXXX
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (OR)

I received an unknown deposit of {$500.00} to my checking account ending in XXXX on XXXX XXXX, 2016. I called to inform Wells Fargo something may be suspicious with a {$500.00} deposit from a business account I did not know. The fraud department changed my account number, and said they would be holding onto these funds while they looked into it. On XXXX XXXX, my aunt called and asked me if I received the {$500.00}, which she said was a surprise gift. I asked her where it was from and she stated her business name, XXXX XXXX XXXX or something. That was the deposit that I reported to the Fraud Department. I called them back and said that I made a mistake, and to please withdrew the claim. I was advised that the claim would be closed and that the {$500.00} would be credited back to me. Then I get notified by email that my account has been closed by a different department ( charged off because of a negative balance ). I received a letter dated XXXX XXXX, stating the claim was withdrawn and now closed, but no indication of how the funds would be returned to me. I looked at my account and there was no credit of {$500.00}. I have not received a check. I have not been advised a check has been mailed. I have called several times. I was told " well it should be mailed out to you within 10 business days. '' I asked where the record of the check is. I asked if there are notes and from whom stating a check had been mailed. But no notes, no confirmation, no indication a check was being mailed. Then I called again, the fraud department rep told me the investigator, XXXX, would return my call in 24-48 hours. I have not received a call. I called again today, and spoke with a woman of whom I do n't recall the name, and she stated she was working with XXXX via email while I was on the phone with her, and asked me to hold. I WAS ON HOLD FOR AN HOUR. And still she did not return to the call to inform me what was going on. I called again and waited to speak to someone, and he told me there were no notes on my account from her. He informed me that he could not find where the {$500.00} was returned to me, and that he did n't know who I should talk to about where the money is. Customers are not allowed to have phone numbers for the investigators, so he put in ANOTHER request for someone to return my call. I asked that he request a supervisor return my call. He informed me that someone would be back to me in 24-48 hrs. What if they do n't call me back, even with repeated requests?? I believe someone in the fraud department has either lost or stolen my {$500.00}. Whom am I to call and actually reach someone to send me the {$500.00}???
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NC)

I was late 3 months in a row for 6 different loans at NELNET without knowledge of having to start paying. That's 16 late payments that make my credit look really bad. I was currently XXXX and XXXX   XXXX to my XXXX child. The dates of these late payments are XX/XX/2017, XX/XX/2017, XX/XX/2017. I was for sure that the loans were still in forbearance at the time.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

My husband and I purchased our new construction home in XX/XX/XXXX. We have never missed a payment and I refer to the monthly statement carefully. Our mortgage loan is with Freedom Mortgage and at this point I am contemplating whether we should move to another mortgage company or bank. At the time of closing our Taxes ( payment to Escrow ) was {$220.00}. I would always make a payment of {$2300.00} to {$2500.00}, again never late. In XX/XX/XXXX we did receive an Escrow refund check. I was advised by Freedom Mortgage that this was my money ... I should worry about having to return it to Escrow. Escrow is new to me because with our prior home loan we paid the taxes on our own. In my XX/XX/XXXX and XX/XX/XXXX there was {$0.00} applied to taxes. On XX/XX/XXXXI received a letter from Freedom Mortgage demanding a full payment of {$8800.00} or my payment would increase to {$3300.00}. Neither option was easy for us. The increase in monthly payment was impossible, so my husband and I opted to getting a loan from our 401K retirement account. It still isn't ideal, but we felt we were left with no choice. When I called Freedom Mortgage and in speaking with the Escrow specialist they admitted that it was overlooked. I feel strongly that we were taken advantage of maybe at closing, I am not sure. Is there a possibility to get refunded if it wasn't our fault?
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm beyond stress and frustrated with the bureaus not responding in a timely manner as instructed by the Fair Credit Reporting Act. I mailed a letter back on XX/XX/2020 and its almost 50 days and I have yet to hear anything from XXXX, XXXX, or Transunion. I feel this lack of abiding to the law has gone way beyond my stress level. I'm at a point where I may need to file legal violations at this point. I should not have to wait another day for these companies to respond. As a CONSUMER you are here so I thought to protect me well I need you to step in and help with this matter.. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I have attached all documents so they can't say this is not me ( XXXX )
Consumer complaint received 2018-06-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I first contacted Equifax in XX/XX/2018regarding the reporting of the XXXX XXXX XXXX XXXX. One that it is listed on my credit report twice with the same account number and second that this account belongs to a family member with a similar name and dob ( except for year born ). When Equifax responded that the account was verified as accurate, I asked them in writing to provide documentation of any signed contracts, who they spoke with and dates. Any information that would substantiate their proof of verification and so I can go back to the company. And also sent them verification of who I am so that they can verify signatures and dob.. When Equifax came back again stating it has been verified and still did not provide copies of any documentation used to verify this information or names of the person contacted it leaves me to believe they, Equifax is just sending out letters and not making any effort. As Equifax can see I am in the process of making payments on time, paying off bills, being more responsible and raising my credit score. It doesn't help if they are just processing complaints and sending out generic letters. Which in turn lowers my score the longer inaccurate information is listed on my credit report.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

I cosigned a car loan for my daughter in XXXX, 2015. The first payment was due in XXXX, which my daughter paid by money order. However, the bank, Ally Bank said they never got the payment, even though my daughter sent the check certified mail, return receipt, which we have. We have sent them copies of the money order and of the certified mail receipt several times. We faxed them documents showing we had purchased a money order and that they had received it, but they refuse to acknowledge our letters. We have not missed any payments, but they say that we owe them over {$3000.00} in late fees.. I can furnish copies of canceled checks and certified mail receipts. I have retained an attorney here in XXXX, who has also sent them letters and copies of canceled checks and receipts, but as before, Ally Bank refuses to acknowledge this evidence of payment. Unfortunately, my attorney is reluctant to pursue the matter in court. Is there anything that can be done to fight Ally Bank? From what I have researched, this organization has had several judgments against them for corrupt business practices. How can they still be in business? I do n't have any documents in digital form that I can attach. I will call to get more information.
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been trying to work with bank of america to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to bank of america multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response
Consumer complaint received 2024-02-28
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

This is the same issue as my previous complaint against XXXX XXXX. Their so-called response was absolute XXXX. They committed illegal action and they are just doubling down. I am telling them that they need to remove the marks that were put on my credit report before they furnished me with the debt verification letter. If they look at the dates those marks were placed on, they predate me receiving the verification letter. Therefore, it is illegal under federal law! XXXX XXXX  is literally openly committing a crime. They did not acknowledge or address any part of my complaint. They must remove the marks that were placed there previously. In the response, I am asking the company do you understand that you were knowingly committing a crime? Do you not understand that those marks that were placed on my report before I received the verification letter are each individually their own crime? The CFPB can clearly see in the attached email chains that what I'm saying is indeed the true. They put marks on my credit report that were of a derogatory nature in direct violation of federal law. This is literally black-and-white. So either they remove them or they are going to lose any craft on money of in court.