davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (UT)

Tidewater Credit is reporting late notations on my credit file that are inaccurate. I had an auto loan with Tidewater Credit however, this has been settled and paid in full by my insurance because my car was totaled. They let me know that they would take care of the rest of the loan and I was unaware that I was receiving late notations. I was under the impression that GAP insurance had paid off the loan amount and when I called them to inquire about it, they said that it was taken care of. My guess is they probably paid it out late. It was not my intention to be late on this loan, and this is not my error. I ask that Tidewater please remove the XXXX late notations. 
As for the XX/XX/XXXX late. I got XXXX at this time and was out of work for nearly month as I got really sick. Once I got back into work I used my first paycheck to take care of absolute necessities and caught up on my auto loan as soon as I could. I ask you also take leniency on this late as me getting sick was very unexpected.
Consumer complaint received 2022-02-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX OWNS SPECIALIZED LOAN SERVICING SENT XX/XX/XXXX % STATEMENT FOR XXXX SAYING THEY PAID {$2000.00} PROPERTY TAX KNOWING IT IS NOT TRUE.THEY HAVE THE LETTER TO CFPB FROM SLS XX/XX/XXXX EXPLAINING THE REFUNDS THEY RECEIVED .THERE IS ANOTHER REFUND FROM XXXX XXXX SENT TO SLS AFTER THEY REQUESTED IT SLS RETURNED BACK TO XXXX  XXXX SEE THE LETTERS FROM TAX OFFICE .THEY HAVE SENT IT BACK OUT AGAIN .THE FACT IS THE TAX PAID XXXX XXXXXXXX OFFICE SHOWS IN THE LETTER IS {$1400.00} with refunds of {$700.00} sls admitted to CFPB XXXXThe loan file i have obtained shows a different amount % paid in XXXX AND I STILL DO NOT HAVE XXXX OR XXXX FROM SLS ALONG WITH THE FILE ACCOUNT INFORMATION SHEET JUST SENT SLS ( SAID ESCROW UNAPPLIED FUNDS OR BUYDOWN BALANCE TRANSFER AS A RESULT OF SERVICE RELEASED +REAPPLICATION OF PAYMENTS DUE TO INVESTOR TRANSFER+ CURLTAILMENT OF PRINCIPLE+ MISAPPLIED FUNDS+ REVERSALS + MISCELLANEOUS DIBURSEMENT ESCROW CORRECTION.SO MANY UNAPPLIED FUNDS AND REMARKS THAT SHOW REVERSALS ) AND NO ESCROW AT ALL AS OF XX/XX/XXXX WITH NEW TRANSFER YET THIS NEW LENDER IS STILL TRYING TO CHARGE WHEN THERE IS NO TAX IMPOUNDS AND THERE NEVER WAS WHAT SLS SAID ..I HAVE DETAILED IN THE ATTACHMENT WITH PROOF XXXX  XXXX XXXX... ALONG WITH THE CODE THEY HAVE ATTACHED TO THE PROPERTY CALLING IT A CONDO ... .ITS A FOURPLEX CONVENTIONAL LOAN FIXED RATE... THE SLS HAD IT LISTED IN MERS I JUST GOT THAT ... YET XXXX SAID NO GET AHOLD OF SLS ... .I DONT KNOW WHAT THEY HAVE DONE OR IF THERE IS A LENDER MY CLOSING STATEMENT SAYS CONVENTIONAL FIXED RATE 30 YEAR I WAS TOLD A BANK WOULD HAVE THIS LOAN CAUSED CHAOIS MISREPRESENTED WITH A CONTINUED EFFORT TO MISLEAD I CAN NOT KEEP UP WITH THE AMOUNT OF BAD FAITH MISREPRESENATION. 
SLS SENT BACK THE LA TAX REFUND KNOWING THEY DID NOT PAY WHAT THEY SAID THIS WILL MAKE THE FILE IT ALREADY IS ZERO WITH REFUNDS AND GETTING MONEY FROM ME ALONG WITH MY REFUNDS FROM XXXX  XXXX NOW XXXX IS TRYING TO START IT ALL OVER AGAIN ..THIS HAS TO STOP..I HAVE ALL OF THESE REMARKS SENT TO ME THAT I HAVE NEVER BEEN TOLD ABOUT ALTERING THE FIRST TRUST DEED .THIS IS FRAUD
Consumer complaint received 2021-01-21
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: BARCLAYS BANK DELAWARE (VT)

On XX/XX/2020 I purchased XXXX dollars worth of XXXX outdoor wear from a merchant Name Reliable FB E-Commerce. I never received the items that I ordered. I got a random damaged pair of XXXX XXXX sunglasses, which is what I assumed they used to get their delivery notice. The company was not and has not been responsive. I submitted a claim through my credit card, XXXX. They credited my account then withdrew my credit. Then the credit was reapplied. I called to offer my concern and they said I was past the time limited on a letter I had received which I was working from home and homeschooling my children, I missed the date. I never received what I ordered from Reliable FB E-Commerce and I would just like my XXXX dollars back. Best, XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

On XX/XX/XXXX of XXXX a payment of {$220000.00} was made to an account balance where the total monthly payment was only {$1800.00}. The total paid was applied to loans XXXX out of XXXX and was also supposed to go towards the monthly payment. The representative on the phone spoke to us and said that everything was paid and we would not have to worry about the monthly payment that month because this {$220000.00} was also being applied to the monthly payment of {$1800.00} as well. Fast forward to XXXX XX/XX/XXXX we make a payment of {$1700.00} that is due on XXXX XX/XX/XXXX which does not show up on the account until XXXX XX/XX/XXXX because of the weekend and we get a late payment notice and call HHloans back only for them to say that it should not be applied as late because of the payment that was made of {$220000.00} AND the payment of {$1700.00} that was made on time but their system processed it as late. A few days later it ends up on my credit report for legitimately XXXX minutes as being delinquent and then appearing as paid. There is absolutely no way that something like that gets resolved that quickly and it is an absolute error on HHloans part. We reached out to XXXX for a dispute and they contacted them only for HHloans to say the information was accurate that we missed a payment. This is horrible business and is limiting my ability to purchase a home because of the error of an HHLoans employee or system failure. Please help me get this resolved.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I have purchased a used car and have been making double payments, and all of the money have been applied to finance charge only and not my priciple for almost a year. 
Ally claims that I have been making payments late which is a false statement. I had my due date moved due to financial reasons. Attached to this complaint are the receipts that I have been making payments and the amount {$14000.00} over a year and the amount is the same. This is a predatory car loan.
Consumer complaint received 2022-07-25
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX has violated my rights. 

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 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This address, XXXX XXXX XXXX XXXX XXXX GA XXXX, does not belong on my credit report. I originally disputed this information with both Transunion and XXXX. The original FTC is # XXXX and this was filed XX/XX/21. The original CFPB is # XXXX for XXXX and # XXXX for Transunion. The address still appears on my credit report and should be removed immediately. This is a fraudulent infomation on my credit report. I never received any documents or response from the first complaint. It only asked for additional time. I never received information about the dispute via email or mail. This is a violation of the consumer protection laws. Any items used to verify a dispute must be sent to the consumer. These documents were never sent. The original files are attached.
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (CA)

CMRE financial services XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference number XXXX Account number XXXX To whom it may concern : I am disputing the above referenced alleged debt. I sent a registered letter through the United States post office on XX/XX/2022 and the letter was received at CMRE financial services on XX/XX/2022. I demand that you verify this alleged debt which you have not done and I requested this over 30 days ago yet you continue to harass me by calling my house which I demand that you stop calling my house. I am a XXXX recipient and have a XXXX policy therefore I only receive care that is covered by XXXX and/or my secondary insurance. 
You have failed to validate this alleged debt therefore you need to stop calling and mailing me request for payment. Your only recourse is to resubmit your billing to XXXX if you feel theres an error on the part of XXXX or the provider - you need to re-bill XXXX! 
As of this date you have not acknowledged my dispute letter over this alleged debt you shall not report anything to a credit reporting agency if you have you need to contact them and delete it from my credit report. Reporting information that you know to be erroneous or not accurate or failing to report information correctly violates the fair credit reporting act. You must Mail me a detailed verification of this alleged debt immediately within 10 days. This is your notification you shall not contact me about this alleged erroneous debt by phone and I am well aware of the fair debt collection practices act, 15 USC section 1692C, requires you to honor this request. 
XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-07-26
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. (LA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (GA)

XX/XX/XXXX notified PNC via Branch Mgr ( XXXX ) fraud ( to this date no response frm Fraud dept ) XX/XX/XXXX@ XXXX PNC Collection Dept calls me. XXXX states transactions agrees Fraud activities and to call Overdraft Dept its not a Collections issue but Fraud or Overdraft. 
XX/XX/XXXX informed same Branch proof I filed Fraud on PNC acct for XXXX PD. I was informed no documents are available. I was then inform that a dispute for each transaction was required. On XX/XX/XXXXBranch Mgr never informed me of that process. Now on this date my accounts are closed no access!

XX/XX/XXXX received letter of Collection from XXXX ( note : she did call me..and I /called back left a msg apologized as I was short tempered ) DRU P5 PCLC 01 J I'm baffled! And the cedit/charges to the account {$2000.00} spent at XXXX 's in a single day with transaction 's differ by 2cents. No Communications from Fraud Dept.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third complaint about XXXX, XXXX, and Transunion for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX XXXX # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the transunion report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX XXXX # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXX XXXX  XXXX  XXXX # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the XXXX report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions. 
I am factual disputing the accuracy of all these accounts.
Consumer complaint received 2021-09-20
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. (AL)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (NY)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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 XXXXXXXX If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.
Consumer complaint received 2021-08-04
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: TRUIST FINANCIAL CORPORATION (SC)

I requested one loan from Suntrust DBA LightStream and had my credit checked twice for the same loan. Once on XX/XX/20 and once on XX/XX/20. I requested this error be rectified by the company and they failed to do so. I contacted XXXX XXXX and they requested I submit documentation along with my dispute, which I was to obtain from the FTC. I called the number they provided for the FTC and am being sent in circles.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Recovery Management (CA)

Ascension Recovery Management at XXXX XXXX XXXX, XXXX CA XXXX at ( XXXX ) XXXX a collections agency for XXXX XXXX in XXXX XXXX XXXXXXXX sent me a bill for a XXXX  XXXX that is not my vehicle. I think they are trying to find the owner. At DMV they told me the owner on the title is a XXXX man but would not reveal the persons name. 
I have legal rights and do not want to pay for someone elses vehicle. I think XXXX or Ascension agency should bill the legal owner and not harass me. Im physically XXXX  at XXXX and only XXXX of XXXX kids in a small family which I know can leave me vulnerable to threats like this.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-13
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. (CA)

Experian, XXXX, and XXXX  refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from Experian, XXXX, and XXXX  to have them remove the account due to inaccuracy. All three agencies ( XXXX, Experian, and XXXX ) stated that they verified the information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my XXXX, Experian, and XXXX credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX / XXXX XXXX XXXX to settle the debt 4 ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.
Consumer complaint received 2022-07-08
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. (MA)

I XXXX XXXX am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.