davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

After pulling a copy of my credit report I noticed that Cavalry Portfolio is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to Cavalry Portfolio informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from Cavalry Portfolio claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from Cavalry Portfolio that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.
Consumer complaint received 2022-08-05
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. (AR)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX
Consumer complaint received 2017-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: COOLEY ENTERPRISES INC (TX)

I purchased my vehicle from Clay Cooley XXXX back in XXXX. I had issues from the beginning with every maintenance light being on in the vehicle so I ended up having to take vehicle back to get looked at. I get my car serviced regularly and have receipts to show for. I purchased a XXXX to have secure transportation for not just myself but for XXXX small children as well. I have not had the car even a year yet and the car just completely shuts down which put me in the position to do the research on the vehicle that was sold to me by their dealership. I do not see me putting more money into getting in fixed after being promised that the vehicle was good. I needed the car at the time really bad and after doing the research on the car other people have had the same issue as well. I pay my car note on time and I asked if I could trade in for something safer on the road as I am paranoid to drive the vehicle. I was told no. I am needing something done because they are more concerned on getting money and not assisting as I was told before.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST (CA)

I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the Local Housing Authority. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact XXXX XXXX XXXX on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, Bank of The West and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Equifax has been notified by letter, fax, and phone calls over 6 times for year 2020 to remove address. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For my entire life i have lived on the opposite side of america and never in california. That is on the opposite side of the world. 

I have even printed off and faxed my bank statements and spent over XXXX dollars and 2 years trying to get the address removed. I have never been or lived at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Spending all this money and nothing being fixed from someone else doing fraud. 

Equifax has sense acknowledged it was fraud when i submitted my last complaint to you. If you pull it up they admit to it. But has done nothing to rectify it.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX reported a credit card under my name, It 's not my card and it 's not under my social security number. The account was under my ex-husband name and XXXX changed it to my name. I requested documents to reflecting my signature but they are unable to provide proof. I requested removing from the credit report and they told me that I 'm responsible for the balance due.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NC)

On XX/XX/21, I requested a credit freeze online. I provided the Core Logic a copy of my driver 's license as well as secondary information verifying my identity. I also informed them that if they failed to initiate freeze I would contact governing authorities who regulate them. 

Instead of doing the freeze as I requested, the company sent a letter by mail saying they could not do the freeze and that I need to fill out an application. I do not need to do anything, they have never asked me to verify anything before they created an account with my name, without my permission. 

I want full legal relief. I want my account frozen immediately. I am happy to verify my identity to the CFPB and then you instruct Core logic to follow the law and put a credit freeze on my account. I will not send Core Logic anything as I have already done so online. Not wasting my time with them. 

If possible please investigate Core Logic business practices as a whole and place a moratorium on this company 's operations
Consumer complaint received 2021-02-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC (VA)

The original mortgage company XXXX mortgage, decided to sell our mortgage to a debt collection company LoanCare. This company decided to create an escrow account increasing our payments from XXXX to a XXXX. 
We can not afford to pay that much so they have accumulated few XXXX in debt over the last several months. However, we have paid our taxes and insurance on our own and on time. There is no need for an escrow account and the increase on the payments.
Consumer complaint received 2022-10-03
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX  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.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage is with Wells Fargo in about XX/XX/XXXX. A fixed rate paying interest and principal. I had a problem for a shot while after XX/XX/XXXX making payments. I did a loan modification with them to get up to date. It started at {$1600.00} interest only a month and spiraled up in 3 years to now {$2600.00} interest only with no end in site. I talked to them two months ago to see if they could modify or refinance with a fixed loan that was not an interest only. They said they could not help me that my income to debt ratio was too high. In all this time I have not been late on a payment I also have good credit over XXXX. 

Thanks XXXX XXXX
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

In the beginning of 2016 my escrow balance was up, I was out of the country and did n't receive notification then in XXXX I did pay at time, the same amount of money of every month, in XXXX I received a statement that my payment was n't applied and my fee for late payment was {$190.00} This is a predatory and unjust way to make business and going against the consumer.
Consumer complaint received 2022-08-04
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account TransUnion reporting XXXX Account # XXXX Bal Date XX/XX/22 has violated my rights. 30 day late reporting is incorrectly appearing on the report. 

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 an account without my written instructions
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

On XXXX XXXX, XXXX Deutsche Bank acting as Trustee ( defunct from XXXX ) on behalf of legally " dead '' XXXX filed wrongful foreclosure case against me based on robo-signed Assignment of Mortgage. Case XXXX Deutsche Bank v. XXXX In the Complaint Deutsche bank claimed that XXXX was a mortgagee for my loan with XXXX. It was not true because XXXX was not a mortgagee. Moreover, on XXXX XXXX, XXXX Deutsche Bank was not a Trustee and XXXX did not legally exist to accept any interest in my loan with XXXX. I many times contacted Deutsche Bank to obtain information on this wrongful foreclosure case as well as proof of Deutsche Bank ownership of my loan and its rights to foreclose on my property. Deutsche bank never responded to my inquiries. On XXXX XXXX, XXXX Deutsche Bank, still acting as Trustee, sold my wrongfully foreclosed property to a new buyer with a fatally defective Title.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (GA)

Did not excersise its grave responsibility. 
You were unfair and partial and did not respect my right to privacy. 
I never instructed them to furnish on my behalf.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

My name is XXXX XXXX XXXX and I am filling this complain because equifax does not intends fix my personal information and my online access to the credit report. 
Since last XX/XX/2020 I have submitted at least 5 disputes informing Equifax that one the address showing in my credit report was not correct. the address in question is : XXXX XXXX XXXX, XXXX, TX XXXX. This address belong to one of my best friend in Texas. Not even mentioned that i have never been in Texas. I have submitted several dispute and they replied to me that the rorer was fixed but It still showed in my report. I also sent written request for confirming my Identity but stil the issues is not fixed. I also asked several time to update my online information so I could frozen and unfrozen my credit by myself but still it shows a technical error. Despite confirmation : XX/XX/2020 XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Midwest Recovery is reporting something on my credit file that I believe to be over 10 years old. They have not sent me any type of notification it just started to report on my credit file in 2018 for which I disputed it and it was removed. It started to report again this month. I am unclear what the debt is for but I again believe it's something that occurred over 10 years ago. They can not continue to just report it randomly!
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recover, LLC (IL)

The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bronstein & Weiss Arbitration (CA)

I just received a phone call from someone whom these people called looking for me. While I was on the phone with them I looked up their company and found all this information about them scamming people therefore I also would like to file a complaint.
Consumer complaint received 2021-02-15
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: EQUIFAX, INC. (IN)

There is an account reporting with XXXX XXXX XXXX for some type of payday loan. This is not mine it's showing that it opened in XX/XX/2015 and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on Equifax.
Consumer complaint received 2021-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

Our loan originally with XXXX XXXX  was sold to PNC. XXXX paid our homeowners insurance in error as part of a bulk payment to XXXX XXXX XXXX XXXX XXXX Before XXXX made this error, we had already paid our insurance policy separately on XX/XX/XXXX. 2020. XXXX 's error resulted in a double insurance payment for 2020 with XXXX asking us to ask the insurance company to refund XXXX 's money. 

However, just after this double payment, the error was transferred over to PNC Bank, rather than being resolved when our mortgage was sold in XX/XX/2020. Instead of a resolution, XXXX and PNC created an escrow on the account for their incorrect insurance payment. My wife and I have spent hours calling all three parties ( insurance company, XXXX, and PNC ) and emailed PNC numerous times to ask them to remove the escrow from our account. We have emailed proof of the error ( email from XXXX ), plus a Credit Card Statement as supporting evidence to show that payment had been made twice and there should not be an escrow. After months of this process between the three entities, PNC still refuses to remove the escrow from our account. Now, essentially the escrow is asking for a third payment for the insurance. 

We pay a fixed amount each month which includes a additional principal payment. When the banks added the inaccurate/unnecessary escrow to our account, it reduces the additional principal payment and increases the net interest collected by PNC. Again, instead of the banks correcting their error, they merely added a second error and pass the issue between various departments and never answer or address the issue of correcting the error and eliminating the escrow. PNC is not taking accountability for their errors and are not responding to consumer outreach. 

Any help you can provide will be greatly appreciated. thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bonneville Billing and Collections (CA)

I am in collections for a utility in a city and state that I have never lived. The collections agency said I had to call the police and report identity theft. I called the XXXX Police and they said since it is XXXX account and not total identity theft it is most likely an error. I have disputed the debt multiple time with the collector and with the credit agencies but each time the debt collector reaffirms that this is my debt. I have never lived anywhere near XXXX Idaho, where the original creditor says the account was opened. I asked for proof of identification that was used to satisfy opening the original account and no one can provide me with any of those details. This is not my debt and it is damaging my credit as it is the only negative item I have.
Consumer complaint received 2015-07-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I set up my monthly payment to be paid through my online bill pay through my bank, XXXX. It was set up to be paid on XXXX XXXX, 2015. Today, XXXX XXXX, 2015 I received notification from my bank I had been overdrawn due to Carrington Mortgage Services cashing my check before the XXXX XXXX, 2015 date on the check. According to representatives at XXXX bank, they informed me that Carrington should not have cashed the check before XXXX XXXX, 2015, and they viewed the check image that showed the date of the check as XXXX/XXXX/2015. My bank account has been overdrawn, and I received a fee ( XXXX is working with me and waiving the fee due to it being the fault of Carrington ). XXXX is not able to refund my money until later today or tomorrow at the earliest. I called and spoke with a representative from Carrington Mortgage Services and they said there is nothing they can do until the check is returned in their system, but agreed that they should not have cashed the check early. Now, I must wait to see if they try to re-deposit the check or if I will have to resubmit a new payment entirely.
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (NV)

I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never late.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I paid of my account last month Why there is a balance of {$150.00} I ask the rep she refuse to help She was rude and Im willing to help