davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
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: Fidelity National Information Services, Inc. (FNIS) (OR)

Chexsystems claims that I have an open case with XXXX XXXX  for XXXX $ since XX/XX/XXXX and this is NOT true I have never had an account with XXXX XXXX  I have been having trouble with every single thing I have tried to do for more then 3 years now will someone please check these facts I am telling you here what do I have to do to get someone to listen to me and please help me out with this I am just one person against an entire corrupted system and its not fair its suppose to fall off after 3 years but yet it is still declining and denying me and its not falling off either why is that why cant I get somebody to recognize the travesty going on what do I got ta do
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX or XXXX, XXXX 2020 my credit card was charged an estimate of {$980.00} from XXXX, I did not make or submitted any purchase order. I haven't even used my card in over 6 months and never for any purchase in that amount. When I receive an alert from credit karma stating my credit card usage have increase I immediately investigated and realized the purchase was made with my old credit card because at the time the new credit card they sent me was not activated ; I contacted Capital One. Capital One is refusing to dispute the charges or remove the charges from my account stating someone benefited from the purchase. I explained to them I have not used the card or authorized anyone to use my card. They refuse to remove the fees.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

A few days ago I received a check from what I thought was a company called XXXX that had hired me from an online interview. I was told that I would need to purchase the equipment necessary for the job with the funds they would send to me. 
On XX/XX/XXXX I received a check for {$4900.00} and was instructed to make the deposit at the drive thru ATM, which I did. Afterward a temporary amount of {$400.00} was available to use which the interviewer instructed me to XXXX to a vendor for some sort of bpmware needed for work. The next day XX/XX/XXXX I was asked to proceed to a XX/XX/XXXX and purchase gift cards. This is when every bone in my body told me something was wrong. I contacted my bank immediately and spent hours on hold, spoke to 4 different people and no one would investigate the XXXX Vendor that MY MONEY was sent to. I fully expect this check to bounce and at that time, I will have lost the {$400.00} I idiotically sent to an unknown vendor. I was RUDELY told there was nothing that they could do. I deposited the check, and there is NOTHING that they can do to help, whether it be to open an investigation or flag the check. I was offered nothing. Way to go Wells Fargo. 
As of this morning this check for {$4900.00} has not bounced, and I am scared. I am scared that I am going to get a knock on my door from the cops that I stole money. Help me, please.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

The inquiry made is not an inquiry made by me. Please have inquiry moved from credit reporting Equifax Mortgage Ser - inquiry date : XX/XX/XXXX XXXX mortgage- inquiry date : XX/XX/XXXX XXXX XXXX- inquiry Date XX/XX/XXXX XXXX XXXXe- inquiry dates XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- inquiry dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; was unaware of company pulling my credit twice. Was not authorized. Did follow up with company Equifax please remove inquiries from credit report. I sent over a letter and still nothing has been done
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is Discover Bank. The inquiry date is XX/XX/2019. The bureau reporting is XXXX The company have failed to comply within 30 days. Thank You!
Consumer complaint received 2021-09-02
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. (VA)

The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX & XXXX Inquiry : XX/XX/XXXX XXXX XXXX -XXXX Inquiry  : XX/XX/XXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (DC)

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (GA)

SNServing Loan received Payment from Insurers for home repairs for {$62000.00}. SNServing denied disbursement at closing for {$20000.00} and fails to cooperate with client, the homeowner after CFPB complaint filed prior to loss of the property. SNServing agrees to ONLY disburse owed funds by compliance to sign false statements to commit perjury to satisfy SNServicing Release and Receipt for funds. The Home Owner is owed by SNServing {$20000.00} and the bank XXXX XXXX XXXX has escrowed funds. 

Homeowner will not and should not be forced to commit perjury to have owed funds released. Homeowner modified SNSERVICING Corporation release and receipt to reflect accurate, truthful statement and SNServies refused to release funds owed by law. Furthermore, XXXX states they are illegally filing an interloper charge to prevent access to the funds legally owed to XXXX XXXX that SNServicing failed to issue owed at settlement closing for property.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (DC)

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however XXXX they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

I have two creditors saying I have student loans with them. 
One is Navient who said they sold to Aid Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXXXXXX  Balance {$3900.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023
Consumer complaint received 2021-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST PORTFOLIO SERVICING INC (IN)

I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and XXXX  failed to initiate an investigation. I have received a response from XXXX  regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX  and XXXX  and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint XXXX  has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.
Consumer complaint received 2019-10-02
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)

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on 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 needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (MD)

1. On or about XX/XX/21, I received the attached XX/XX/21 statement which clearly states : a. there was NO amount due b. the principal balance was {$760.00} c. the Amount Paid Ahead ( i.e. " excess payment amounts '' ) was {$500.00} d. I called Carmax on XX/XX/21 2. After several lengthy holds while the customer service agent discussed this matter with her supervisor, she finally returned to the phone and after another lengthy discussion, she agreed that the aforementioned " Amount Paid Ahead '', ( i.e. {$500.00} ) would be applied toward the Principal Balance ( or {$760.00} ), leaving a balance of {$260.00}, which I promised to pay, and did, by XX/XX/21. I did. 

3. On XX/XX/21, when I looked at my account, it showed my account balance was still more than {$500.00}, eventhough I had paid {$760.00} ( excess payment amount applied was {$500.00}, plus my direct payment of {$260.00} on XX/XX/21. 

4. CarMax is " taking '' my excess payment amounts '' by alleging that that {$500.00} was " posted '' to the XX/XX/21 and XX/XX/21 payments. This is a ludicrous and untenable position, since the statement shows no balance due. Those excess payment amounts are mine, not CarMax 's.

5. CarMax has engaged in fraudulent business practices, has, in effect, extracted a prepayment penalty, and is collecting excess finance charges.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NY)

Good morning, We keep getting calls from a company with the name of Convergent XXXX which is a debt collection agency. The residents in our home don't have any old debt. They call daily, 2 and 3 times a day. Sometimes when we say Hello, the caller hangs up. Other times they ask for one of us using a name and when I ask what is this about and how can I help you, they hang up on me. One time I requested they send proof of this debt they claim we have and they hung up. I received a call this morning at around XXXX XXXX and the same thing happened when I asked how can I help them they hung up on me. I checked our credit reports just in case there was something on them that is making this company call us daily and our credit reports are clean and in very good standing. 

Please help, these calls are annoying. PLEASE DO GIVE THIS COMPANY ANY OF MY INFORMATION. THEY HAVE MY TELEPHONE NUMBER THEY CAN LOOK UP THEIR RECORDS WITH THE TELEPHONE NUMBER. 

Thank you
Consumer complaint received 2020-12-04
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: FORD MOTOR CREDIT CO. (OK)

This is a new auto loan with Ford. I logged in a month after the purchase, and am certain I enrolled in auto pay, like I have with my three other Ford vehicles. On XX/XX/20, I received an alert from XX/XX/XXXX that I had a 30 day late fee added to my credit report. This really upset me, as I know I enrolled in auto pay. Not only that, but I never received any sort of statement or call from Ford about being late. I called Ford 's call center, and the technician clearly did not have the correct information on file. When Ford responded to my letter, they said I logged into the account in XXXX and never again. Which would make sense, because I was supposed to be enrolled in auto pay. They also denied the request to remove the late payment, because they said they sent my statements 17-20 days before the due day every month. This is simply not true. I did not get any statement from Ford, until AFTER I spoke to that technician, and he got the accurate information. This ordeal has caused my credit score to drop 93 points, and has caused a creditor to close a line of credit I use for my business. As a small business owneXX/XX/XXXX, it's imperative to have these lines available. This 30 day late payment must be removed, as it is because of a glitch in Ford 's online portal, and because they did not have the accurate information, as to where to send the statements. Since this issue occurred, it has been resolved. The account is actually enrolled in auto pay, and Ford has the accurate address on file, and I have received statements in XXXX.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I have received repetitive and borderline harassing amounts of phone calls throughout the day regarding this situation. Calls before XXXX and after XXXX, during work hours, during sleep hours. I have asked to be removed from the call list, I have blocked numbers, I have asked for debt validation letters. The calls are relentless and have started using local area codes in an attempt, I'd assume, to persuade me to answer the phone. The calls have spread over the course of months.