davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (MO)

This dispute has been going on now since the end of XXXXbeginning of XXXX of XXXX with XXXX XXXX XXXX as we had them and their partner XXXX for both our internet provider and satellite TV provider. We would receive one bill and they would split it up as that was the deal that was given to us when signing up with them. When we decided to cancel with both of them at the end of XXXXbeginning of XXXX, we paid our final bill and was told by XXXX billing that we had a refund coming back to us which we received after turning all of our equipment in and making our final payment. XXXX XXXX XXXX has since stated we never made our final payment to them even though we paid the invoice received showing final bill. All of our payments were made online through their billing system in the total amount of {$160.00} each month and XXXX XXXX XXXX would distribute it as needed. They stated it was the portion for XXXX. Starting in XXXX XXXX  we chose to switch to XXXX XXXX. The communication between the companies billing departments I explained to them needs to be worked on because the customers money needs to be applied to the correct accounts so these type of issues don't keep happening. I've now been dealing with this for several years and it just keep going from one collection agency to another all because 2 billing departments won't communicate with each other. I paid my final bill with XXXX XXXX XXXX and XXXX. One company says it's a XXXX  balance while the other won't listen every time I contact them. I've disputed this before on my other credit report and it was removed now they've put it on the 2 that they didn't have it on previously. It's for {$100.00} and they keep trying to ruin my credit for that. When looking at the rest of my credit you would be able to see that I pay all of my bills so for this one company to try to lie about this over and over is ridiculous. I know other customers of theirs that have had problems with their billing department as well. They should seriously be looked at as to how they do business.
Consumer complaint received 2020-09-04
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: DISCOVER BANK (NC)

XXXX XXXX AND DISCOVER CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH XXXX. I CONTACTED XXXX XXXX WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX   AND I CONTACTED XXXX XXXX  AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST XXXX XXXX AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT EBEN HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED XXXX XXXX FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.
Consumer complaint received 2020-09-04
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. (PA)

I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I did not get the promotional offer when I signed up for my credit card with Shell gasoline. The promotion was 6 fill ups at a XXXX per cent per gallon discount. Plus, I'm supposed to save XXXX cents per gallon every fill up.
Consumer complaint received 2020-08-28
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: JPMORGAN CHASE & CO. (LA)

I have been disputing an error on my report with chase for almost a year now and I am not getting any help. Chase added a late payment on my account for a payment that was mailed but got mailed to the wrong address according to my bank. Chase knew about this but still added a late payment on my account. This is ridiculous I have 99 percent on time payments but had 100 percent on time payments for years and this was not my fault. Chase agreed to remove it but has not. It shouldnt be on my report at all. Someone please help. I believe its been removed from other reports but still reflects on two reports. I have never missed a payment in years.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.
Consumer complaint received 2020-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent dispute letters on XX/XX/2020 & XX/XX/2020. I have received any results on my investigation from either dates. I am highly upset because this is affecting my financial well-being.
Consumer complaint received 2020-08-28
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (CA)

Hello, VW sent an inspector to inspect the car before we returned it to the dealership. Report attached. Based on this report we were ONLY liable for the extra miles. We did change the tires to bring it up to par. 

I have reached out to VW finance but have not heard back from them on this issue. We would like to resolve this issue asap.
Consumer complaint received 2020-08-28
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2020-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (DC)

I have requested of Navient multiple times a full accounting audit for my XXXX XXXX and Department of Education loans. Each time they have given me the run around and provided me the same incomplete or inaccurate information. The initial communication was in XXXX, and on XX/XX/XXXX I was provided an incomplete list of transactions, but no audit. Then on XX/XX/XXXX, I contacted XXXX where they provided on XX/XX/XXXX another list of transactions and referred us to studentaid.gov, but still not an audit. Studentaid.gov does not have any more or different information than what Navient has, so we still have no resolution or further insight. 

I believe a XXXX XXXX opened in XX/XX/05 has been improperly accounted for, inflating my current balance due. According to my records and credit reports, the amount was consolidated and closed ; however, I dont think it was cleared from their books and was re-consolidated causing it to be double counted. 

I request your support in resolving this issue.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (IN)

I have a mortgage with ServiceMac LLC, transferred from XXXX Home Mortgage   several months ago. I sent in my XX/XX/2020 payment in the amount, or more than the amount, that I believed was billed. ServiceMac contends that I did not make full payment. I can not prove what my XXXX statement read, because I shred statements after payment has been scheduled through my bank. ServiceMac did receive the payment, that I scheduled, on XX/XX/2020. ServiceMac did not however apply the payment against any portion of my mortgage. ServiceMac contends that since it was not full payment, or more, that they can hold partial payment as unapplied until full payment is received. I would think that ServiceMac should still be required to apply whatever payment received against the mortgage loan.
Consumer complaint received 2020-08-28
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: DISCOVER BANK (MO)

In XX/XX/XXXX I made 2 purchases on 2 separate dates from XXXX XXXX XXXX  XXXX through XXXX. In XX/XX/XXXX, I received a partial shipment from one order, the order was missing items and even had a note saying they were out of one item and they would refund me. I contacted the seller, then I only received partial items from the second order. Since XX/XX/XXXX I have been contacting the seller at least monthly about these items missing. The seller kept telling me she was taking care of it and aware. XXXX comes around and I message her again, she tells me to contact her assistant. I do as instructed, the assistant tells me she does not handle orders but will remind the owner. Another month or so go by and nothing, I reach out to the assistant again and she tells me that she already reminded the owner and the owner said she is aware and taking care of it. More days go by and I receive no response. Early XXXX, I message both, owner and assistance and express my concerns for the missing items since it has been so long. The owner becomes very defensive and tells me there is no way the missed that many items, and that she even has to sign off on some of them. She refuses to look back through our conversations to help her have a clear picture in her head of what I am talking about. She finally tells me she will look into it and to give her a couple of days. 2 weeks go by and no response, I message them again for an update with no response. I file a dispute with my credit card company Discover card. They validate 2 out of my 4 disputes but have been unhelpful about the two disputes with missing items. She did send some bags, but that does not mean she sent me all the merchandise I paid for which comes out to be about {$1000.00}. 
While I have always been happy with Discover, they have failed to keep me up to date on status, I've had to call them weekly, then they said those charges were valid on XX/XX/XXXX, I called again on XX/XX/XXXX and the agent sent the cases for supervisor review. Here we are XX/XX/XXXX and no response after calling for follow-ups weekly. On XX/XX/XXXX I requested to speak to a supervisor at Discover and they said no one was available but that someone would call me back within 48 hours- no call as of today XX/XX/XXXX. However, I just received two emails telling me once again the charges were valid. I have provided extensive documentation of my conversations with the seller where she is telling me she is working on it and yet nothing happens, I have even sent them the conversations where the seller becomes hostile towards me for filing the disputes. I have been a long time customer of Discover and it is very concerning that they won't even take the time to call me when I request to speak to a supervisor. This seller just took {$1000.00} of my hard-earned money and I have no support from my credit card company.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

Hi! 
My name XXXX XXXX. 
Please take a look. 

I have a Discover credit card that I used to purchase items at XXXX XXXX. There were charges and returns and my balance should have been XXXX. However, Discover claimed that I owed over {$500.00}, which I didnt, and used a cashback bonus that I had in the amount of {$540.00} to cover that balance that I did not owe. 

In addition, I also had a credit from XXXX XXXX - a security dispute adjustment in the amount of {$910.00}, which Discover also took.

I have tried to resolve the dispute with Discover but was unsuccessful. 


In XX/XX/XXXX, I used my Discover credit card to pay for my orders at the XXXX XXXX and XXXX XXXX. I returned many of my orders. They didn't suit me. Refunds for purchases at XXXX XXXX ' store were made late. I spent a lot of my time and energy trying to get the store to fix this. It was eventually done. However, the Discover Fraud department created, for me, a report with a new balance of {$400.00}. Also, {$900.00} disappeared from my credit account. This  amount, by the XXXX XXXX store, was credited to my account. On XX/XX/XXXX, I had two payments of XXXX each. The things with this value were returned by me. In the report, credits are made on XXXX and XX/XX/XXXX. Then in the report for XX/XX/XXXX, XXXX - XXXX XXXX, XXXX there was a security dispute adjustment {$910.00} dated XX/XX/XXXX. In the report for XX/XX/XXXX - XXXX, the amount of {$910.00} again appeared in my statement as a charge. It was dated with XX/XX/XXXX. In the same statement on XX/XX/XXXX it was credited back as a security dispute adjustment. In my next statement, like a my credit, this amount does not appear. It was stolen from me. i also have a cashback bonus {$530.00}. This money Discover Credit department took from me as well. Many times they asked me to cover the balance, that was created by them, with my cashback bonus. After that I received a new statement with a new balance. 

I really need your help. 

My phone number is XXXX XXXX XXXX Thank you so much for attention. 

Sincerely, XXXX XXXX.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report fromXX/XX/2019XX/XX/2019, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

First and foremost, I am a single parent that has been unemployed due to COVID-19. I had a Lowe 's Advantage Credit Card the promotional balance on loan expired XX/XX/20. I was told that I had until XX/XX/20 to pay balance off to avoid interest charges. I did not receive a statement stating promotional balance about to expire. I received a notice on XX/XX/20 then the next statement was XX/XX/20. I was under the impression that billing was frozen due to me calling for assistance due to COVID-19. I find it to be convenient that I did not receive notice for XXXX or XXXX which would have gave me plenty of time to pay balance. I called to ask for promotional interest to be waived so I could pay balance in full and this issue has not been resolved. My bill was {$3100.00} prior to interest being applied. Now statement balance is {$5800.00}.
Consumer complaint received 2020-08-28
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: EQUIFAX, INC. (PA)

This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, equifax, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. XXXX will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.
Consumer complaint received 2020-08-28
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. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF ED/XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$46000.00} XXXX/XXXX XXXX {$1900.00}