davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc. (FL)

I rented a vehicle from XXXX XXXX XXXX company in 2017 and returned the car and paid the fees agreed upon. Upon approval, I let the company know of a crack in the windshield that was caused by a stone hitting the windshield while driving on the highway. I explained that the State of Florida fixes cracked windshields free of charge " In the state of Florida, windshield cracks and chips are repaired free of charge. According to Florida statute 627.7288, if you have comprehensive coverage on your vehicle your insurance company will pick up the tab for any repair or replacement that you may need. The law states that your deductible will be waived. '' After discussing they took my insurance information in case of the claim being escalated and said if any needed further action was needed they would be in contact. I signed the paperwork and never heard back from them. I received a call from a " Debt Collection Agency '' from a New Jersey number stating that they were calling to claim the debts owed and when I explained that was handled they began to over speak me and not let me explain. I finally told them I would be in contact with XXXX to figure out the issue. The next morning around XXXX XXXX  I received another collections call form a Mississippi number from a gentlemen that would not let me say a work and asked what is it I think will happen? Just give him my debit or credit card number. When I asked for his company name he said XXXX XXXX and hung up. I attempted to call XXXX but states they are busy or not open. I am trying to find out exactly what was done on the companies part for the last two 3 years that they took my insurance information and never filed a claimed and expect me to pay for a service in FL that is free.
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (OK)

CrossCountry Mortgage is listed as an approved lender for my states grant program. When I questioned them about the program, however, their response was as follows : " Cross Country as a company is an approved lender. However Cross Country only allows each state to offer one Down Payment Assistance program. Cross Country in Oklahoma opted to go with the REI program over the XXXX program. I can see how youd think that but I can assure maam we are not allowed to offer XXXX here ''.

It's confusing to me that they are an approved lender, but they will not help you do a grant through the state. This feels like a practice that would impact lower-income individuals especially. At one point they even offered me more towards my closing ( though significantly less than what the grant would have ) as long as I did not try to receive assistance, this also felt slightly predatory.
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (SC)

i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc. (FL)

GM Financial shut off my auto-pay that was in place after 3 years of payments being made that way. They did not let me know they were doing this and I only found out after I received a past due notification email. I immediately called and made the payment but they put it on my credit report already. I asked them if they could remove it and they stated they have no control over that.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have spent over the past year and a half disputing the account that Portfolio Recovery Associates has attached to my name as well as ignoring at least 12-15 of their calls weekly. I have disputed it on my credit reports over three times and they have not removed the account. They have never produced any paperwork that states anything other than my name and a credit card and my ex husbands old address. I am a XXXX XXXX XXXX and they took court action against me last year to try and collect on this assumed debt and waited to notify me until the week of the court date to send me paperwork. The day before court they decided to drop the case. I got a letter stating they were no longer going to peruse this matter due to lack of verification evidence on their end. Today in the mail I am receiving another piece of mail from their office. I would like resolution in this matter by them producing any verification for the account listed that they are trying to collect for, and to stop harassing me and threatening me with court and then backing out the day before. It is a scare tactic that is not appropriate. Especially when the lawyers pull out the day before for lack of evidence.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX was taken out of my minor childs bank account on XX/XX/17. I was never served any court documents, given any notice of the debt, given any documentation on the original creditor or any information on any contract. The bank also charged an additional {$60.00} to my childs account as well.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Is been about 6 months or so that I been contacting the credit reporting company about this problem. There is a bankruptcy being reported and I spoken to all 3 agencies about this. They told me that XXXX is reporting this as accurate. I spoke to XXXX and they have informed me that they Do Not have a file on me and are not reporting any bankruptcy and Have Not reported to the credit bureau. I been asking them to investigate this and it keep coming back as verified, but by who because XXXX is not reporting like its stated on my credit report. Also I dispute this with XXXX and it's been removed already.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: REGIONS FINANCIAL CORPORATION (AL)

XX/XX/2020 downtown branch in XXXX Alabama open a new checking account, and apply for the bank security bank card. Received copies without my signature. Call Wednesday stated XXXX XXXX she had me sign in the wrong place too come back in. And the underweight had sent the application back. Came in Friday asked them too close the account and put the money in my checking account. The person I spoke with XXXX XXXX and Nd XXXX about closing the account. They stated it would take 14 days sometime 24 hour. Called Tuesday spoke with several people over the phone and finally sent to the credit card department and the man stated he would close the account and in two day my money would be in my checking account. Called Friday the XXXX they stated they were process the application and I would be getting a letter in the mail. Today the XXXX I was told they could hold the money for XXXX and that was never stated. If I did not sign in the right place going forward how did they process the application without the proper signature. And continue to hold my money. The process was never stated how long it would take the application process. And if I cancelled before receiving a card their should not be a hold on the monies in the saving account. I paid XXXX dollar interest when the account was open. Now refund my money and interest for the time I couldn't use my money. They design a plan suppose too help yet they abuse and cause hardship with untrained staff not know the detail of how something works.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX  TransUnion LLC XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have spoken to Lowes XXXX Credit Card about updating my telephone number several times and they refused citing they need to verify my identity thru the mail. I called several times and my telephone was updated on my account however I can not access the website to change my autopay because the old telephone number is still coming although credit services has my new number. I called again today for the XXXX time and a representative advised she has deleted my account profile and for me to go back in and register my credit card again so I can make updates to my account. Unfortunately, it did not work the site is advising I am already registered. So frustrating no one can help me. I would like to update my monthly autopay and can not Lowes XXXX credit card is holding me hostage and provides the wrong information. I am paying on the credit monthly.
Consumer complaint received 2020-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX TransUnion LLC XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Box XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MN)

I have been in contact with U.S. Bank concerning information that was reported to the creditbureaus regarding my mortgage loan with U.S. Bank. I went into a Covid-19 forbearance plan agreement that started on XXXX, 2023 and ended XXXX XXXX. My mortgage was reported 180 days delinquent to my credit reports even though I had gone into a forbearance plan due to a reason related to Covid-19. The Cares Act states that if your financial hardship was caused by COVID-19 during the covered period under the CARES Act and you were current on your mortgage before receiving the payment deferral, the mortgage must continue to be reported as current on your credit report if the loan is federally owned. My mortgage is owned by XXXX XXXX 

As stated in the CARES Act, the credit reporting protections XXXX days after the official end date of the pandemic. That official end date was XX/XX/2023 and would extend to XX/XX/2023. Therefore, since I went into a forbearance agreement with U.S. Bank on XX/XX/2023, I was still within the time frame allowed to keep my loan payments current during my XXXX forbearance period. They reported me late from XX/XX/2023 to XX/XX/2023. I need your help to explain the law to U.S. Bank, because my attempts have been denied. I have both written a letter and attempted to dispute the errors through the credit bureaus. I appreciate your help in this matter. Thank you and take care.