davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XX/XX/20 Portfolio Recovery Debt collection attempted to contact me for someone else 's debt, when confronted with this, they claimed 'someone else gave me your number ' and apologized, claiming they would not call me again regarding this debt. They used XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX was the agent 's name. It was at XXXX XXXX  and from a XXXX, NC area. 

On XX/XX/20 I received another phone call from a Portfolio Recovery debt collection from a XXXX, WA number XXXX ( XXXX  ) XXXX. I attempted to call and was denied their address for a cease and deceased letter, instead told that 'lets see what we can do instead ' from their agent, whos name wasn't received or heard. She informed me that the number was 'the number given to them ' to call. She apologized, and stating that it should have been fixed in their system, not to call me the previous time. She said it should be fixed now. 

I have blocked this number, as well as the previous one, both were told not to contact me again. This is bothering me, as the debt is not mine and they are finding new numbers and locations to harass me from.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (NV)

As of XX/XX/2021 Convergent outsourcing inc., is committing fraud based on the fair reporting act. On XX/XX/2021 I turned {$350.00} of equipment to XXXX XXXX. They are claiming I owe {$410.00} for services and {$350.00} for equipment. I have already turned in the equipment and XXXX XXXX has accepted the items, convergent refuses to get in touch with their client, and are committing fraud by false reporting for the last XXXX months since XX/XX/2021. Here is my proof, If Convergent continues to commit fraud, I will have no choice but to seek legal recourse. I already filed a complaint with your agency ( CFPB ) on XX/XX/2021 but because of your computer system freezes when trying to add supporting documents over the phone, I believe that is why the first dispute was closed. Please ask Convergent Outsourcing why they refuse to get in touch with their client. I believe Convergent Outsourcing is committing fraud by not reporting accurately. I believe on behave of their client they are reporting inaccurately because they want the money for the equipment and not the actual equipment. I'm not going to pay for equipment I already turned in per my proof in the receipt. If they want me to pay for the equipment instead of turning it in like I did then that means that equipment is my tangible property they are in possession of, That is THEFT AND FRAUD.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (NJ)

I tried for almost 3 months to talk to them and resolve the situation, I already saw the police report they gave me back what was spent on the account but they are still charging me for transaction fees that were never made. I only paid the annual fee that would be my only obligation. I never received the card and I am still being charged for transactions that were not made by me.
Consumer complaint received 2021-03-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (OH)

Please find attached an automatic renewal completed against my instructions by XXXX XXXX. 

I had opened a 1 year cd with specific instructions to not renew upon maturity. I had also asked for notice when the cd was due to mature. In fact, I received no notice and the company actually renewed the cd and then sent me a confirmation 2 weeks after the fact. 

When I called to complain they said they had mailed, not emailed, but mailed a USPS notice and blamed the post office for lack of receipt. I asked under the COVID situation if they could make an exception and was refused. I asked for a no interest redemption and was advised I would be penalized with 6 months interest subtraction for my two weeks before they sent the confirmation. 

I demanded to speak with a manager or more senior supervisor and was told I would be called back. I provide both my cell phone and email address and have not been contacted. 

I find this company to be indifferent to proper business practices and no interest in solving issues with consumers. 

Your assistance is appreciated
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

On XX/XX/XXXX I financed a vehicle with XXXX XXXX 's with Auto Now being the lender. My down payment was paid via debit card and the money was debited from my bank account immediately. 

A few days later my card issuer, XXXX XXXX, contacted me in regards a to a suspicious transaction due to it being larger than most of my purchases. from a company under a different name than XXXX XXXX 's or Auto Now. Due to the company not being under the name I've heard of I stated that the charge was unauthorized. 

On XX/XX/XXXX I was contacted by XXXX from XXXX XXXX 's in regards to a chargeback that AutoNow received on my down payment due to the dispute XXXX XXXX opened for the charge. It was then made clear to me that the disputed charge was valid. 

After that point, I contacted my XXXX XXXX to let them I was withdrawing my claim and the charge was valid and the claim should be closed in favor of the merchant, which XXXX XXXX received and acknowledged. 

Everyday since XX/XX/XXXX XXXX from XXXX XXXX 's has called me for an update on what XXXX XXXX said and I have kept him up to date with every email. XXXX XXXX has stated that the claim is still being reviewed and will will be closed by XX/XX/XXXX. 

Due to my loan being with Auto Now I decided to give them a call on XX/XX/XXXX to discuss the matter. When mentioned the situation to the representative at Auto Now they stated there is no problem with my account and all payments are in good standing. Following this conversation I payed Auto Now a total of {$590.00} for the monthly car note, license plates, registration, and collateral insurance. 



Today XX/XX/XXXX I received a call from XXXX XXXX 's stating Auto Now would be repossessing my vehicle if I did not bring them {$2000.00} in cash by XXXX today. 

I have made all of my payments on time and they have taken my money with no problem. Now they're threatening to repossess my vehicle regardless of XXXX XXXX holding the funds and regardless of me making my payments on time.
Consumer complaint received 2022-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

Hi : My name is XXXX XXXX I attended XXXX XXXX back in 2005 I was enrolled in there plumbing program. The school was uneducated about teaching students I didnt learn anything the addmission rep didnt even ask me for a copy of my high school diploma. I graduated with zero knowledge or understanding about the trade they didnt even give me a certificate of competition at my graduation day that was very embarrassing to me and my family but they left me with a {$25000.00} loan it has been hard me and my family my credit score I need help getting this removed from my credit report from the department of education of XXXX XXXX so I can get my life back Im looking for a loan forgiveness my wife has medical issues there is no way I can make any payments please please please help me
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST NATIONAL BANK OF OMAHA (NY)

For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feeding my family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
Consumer complaint received 2021-12-07
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. (PA)

This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2020-10-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I am a victim of false advertising and a failure to disclose information on their website and by the loan advisor, XXXX XXXX XXXX. I recently tried to refinance my home using the FHA streamline option. The Chase website states that they do refinance FHA loans. I started the process using the conventional loan option and gave them my good faith deposit of {$500.00}. After researching more options on the Chase website I decided that the FHA streamline refinance would be the best option for me. I notified the lending advisor XXXX XXXX XXXX ( NMLS ID XXXX ) of my decision ( XX/XX/20 ). He stated he would check. He did not get back to me until XXXX XX/XX/20 XXXX. XXXX XXXX XXXX stated ( exert from his email on XX/XX/20 ) : I actually heard nothing as of yesterday and just got confirmation this morning and had you on my list. The Streamline option fell through so if we were to move forward we would run into the issue you are having with the interior pictures. With that said due to the status of the application I have to mark it as a withdrawal. From our conversation that causes the good faith to be non-refundable but can get in contact with directly with the team that process the refund and put in a request.

I later found out this is only available only to existing Chase customers with FHA-insured loans. Why would he need to check if this is the case? Why would he tell me it fell through is he incompetent or trying to scam me for more money by adding an unnecessary appraisal cost to the
loan? Nowhere on the Chase website does it state any of this information that FHA refinancing is only available to existing customers.

All proof has been uploaded, email, screenshots of website.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Requested forbearance/payment deferral with Capital One in XXXX, 2020 due to COVID-19 and was approved for a 2 month deferral to XXXX, 2020. In XXXX, 2020 Capital One showed a 30 day late on my credit report which lowered my FICO score XXXX points. ( I had requested the same with 8 other credit card companies and was approved with all ). I, immediately contacted Capital One, by phone and letter, and they refused to remove the 30 day late. ( I have never been 30 days late on ANY of my credit cards XXXX. At this time I was in the process of refinancing my home. The FICO score lowering made me " NOT ELIGIBILE '' to complete the refinance loan. I have been with Capital One for 10 years and have never been late. Please Help.
Consumer complaint received 2020-10-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with Equifax and then also XXXX   ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX XXXX XXXX and all three major credit bureaus. I first called XXXX XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : Equifax # - XXXX XX/XX/XXXX Alert - # XXXX XXXX  - ( Did not receive dispute #, XXXX post-investigation docs attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for XXXX, Equifax, and XXXX. 

After filing this dispute, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I  also received the attached documents from XXXX, Equifax, and XXXX  with teh results that the account is " Verified as Accurate ''  and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX addresses the CFPB complaint ID - XXXX.
Consumer complaint received 2022-12-28
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. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX-XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date XXXX inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (DE)

Midland credit Management is claiming I have a {$3100.00} credit card debt from XXXX/XXXX. I contacted XXXX on XX/XX/20, they stated I did not have a debt and had no account delinquencies. 

Per the directions on the Midland collection letter, on XX/XX/20, I mailed a request for complete transactional history for the account. 

XXXX XXXX  responded in writing, XX/XX/20 that they sold the account to Midland, no transaction information was included. 

On XX/XX/20 I received a pre-legal notification from Midland. 

I can not get XXXX, XXXX bank or Midland credit management to provide any transaction details to this account. 

I do not believe it is my debt.
Consumer complaint received 2020-10-21
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. (MS)

I have disputed this item multiple times over the years and thought this was removed.

I recently received a copy of my credit report and found the following item ( s ) to be in error : The status is incorrect for the following account TN CHILD SUPPORT Account Number : 5368 According to Code 623 ( 1 ) ( a ), furnishers of information to consumer reporting agencies are prohibited from providing information with actual knowledge of errors. The reporting dates ARE NOT consistent across bureaus and I have documentation indicating that I have never been delinquent.
Consumer complaint received 2021-03-31
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. (SC)

I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with EQUIFAX. No consent is identity theft. On XX/XX/XXXX, I called EQUIFAX and spoke with XXXX XXXX id XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent cut me off and would not allow me to speak. I told him that I'm contacting the cfpb about this. He stated that he could not assist and to go ahead with my complaint.
Consumer complaint received 2022-12-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Autovest, L.L.C. (MO)

On XX/XX/ 2022, I received a email from my employer that a " new garnishment '' was received. Upon reviewing the documents I discovered that a 3rd Party Debt Collector was garnishing me for an alleged debt owed from an automobile that I do not owe them for, and they have violated numerous of Federal Laws according to the Fair Debt Collection Practices Act ( FDCPA ). AUTOVEST, L.L.C, is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692i - Legal actions by debt collectors, 15 U.S. Code 1692e - False or misleading representations, and 15 U.S. Code 1692d - Harassment or abuse and many more. They have caused me mental anguish, loss of sleep, embarrassment, and ruined my family 's XXXX stealing my earnings a couple days before XXXX. I was never attached to the address listed on the summons and they served a XXXX XXXX which cause them to get a default judgement against me and are trying to ruin my life. I have been denied use of my credit also because of this debt collector. Please see all attachments