davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

Tidewater Finance has egregiously damaged my credit by failing to, despite twice telling me otherwise, fix their computer glitch showing a missed payment. To make things worse after I paid off the account in full, I received a bill for additional money. 
They admit on the phone they are in error, but can not or will not fix my account, report to the credit bureaus.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both XXXX and Equifax said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with XXXX  will expire on XXXX XXXX, XXXX, and my freeze with Equifax will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My bank, XXXX, sent a payment on XX/XX/21 to Bank of America in the amount of {$3300.00} to pay off my account. XXXX says that Bank of America processed the payment but they say they never received the payment. I contacted XXXX on XX/XX/21 and they gave me Trace # XXXX for reference. Bank of America said that is a number only good for XXXX. I opened a " payment error inquiry '' with Bank of America on XX/XX/21. I received a letter dated XX/XX/21, right days later, saying they have no record of the payment, even though they told me it could take up to two billing cycles. I called XXXX because Bank of America said to but they are not willing to help me. Neither XXXX nor Bank of America are willing to do anything further for me. 

I don't know what to do because now Bank of America says I am behind on my account and wants a payment I don't have right now.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion reports XXXX/XXXX  accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a 50 XXXX point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS.

THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP 40 XXXX  POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!
Consumer complaint received 2024-02-01
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. (FL)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - Immediately update all payments to on time. 

INQUIRY - XX/XX/2022 -. 

INQUIRY - XX/XX/2022 -. 

XXXX  XXXX - XXXX - Immediately update all payments to on time. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2022 -. 

INQUIRY - XX/XX/2022 -. 

INQUIRY - XX/XX/2022 -. 

XXXX  XXXX - XXXX - Immediately update all payments to on time. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (TX)

Please refer my previous complaint ( XXXX ). Finally, after a lots of follow-ups I was able to get my online access with not much help from Regions bank. 
But now Regions bank is giving me tough time to give my {$400.00} cash back bonus for which all the conditions are met except online account statement ( which i can not do because I had no online access for so long ).
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I did a mobile deposit on Saturday it cleared my bank on Monday. I get a email today said the {$20.00} I deposit on Saturday it on hold for 7 days it was only {$20.00} plus why put my check on hold if you going to cleared the check from my bank. It was a small deposit chase bank XXXX against me because Im XXXX I did it the right way and they still but my check on hold.
Consumer complaint received 2019-11-05
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. (CO)

The credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXXXXXX XXXX account : XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

XX/XX/2021 I called at XXXX to XXXX with Credit Collection Serv .

Credit Collection Serv XXXX XXXX XXXX On the phone the address provided for this account was an address I have never lived at. I informed XXXX of this being a fraudulent account. 
XXXX XXXX XXXX XXXX nc XXXX He gave me this number XXXX and told me to request a fraud packet. XXXX called the above number and requested to get the packet. I was told it would take 5-10 business days, fill it out and return it as quickly as possible. It has been almost a full month since with no fraud packet sent to my below address. They have not only ignored my request but they continue to affect my credit knowingly with this fraudulent account. 
po box XXXX XXXX, NC XXXX XXXX is the email it was signed up with which is not, nor has it ever been, my email. They did not even have my correct date of birth listed on the account.
Consumer complaint received 2019-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

In XX/XX/XXXX my husband and I were discharged from chapter XXXX bankruptcy. My payments to navient were subsequently put into forbearance. I was also XXXX at 100 % during this time. This information was made known to navient through an application for XXXX and XXXX  XXXX while in bankruptcy. Our bankruptcy attorney also sent a letter to nabi it indicating that it would be overbearing for us to make payments. Navient has a condition whereby if you are XXXX XXXX during loan repayment and in bankruptcy all I would need to do would be to file papers with this in mind. Later in XXXX I received letters from navient indicating that six of the seven loans in my name where paid in full. My husband and I were overjoyed that navient had approved the application for discharge under XXXX  and XXXX  XXXX. We subsequently stopped making payments on those loans but soon after received calls to make payments! We were concerned and told the representatives ( a total of 21 different representatives were involved in these conversations ) had we had received letters indicating that are loans have been paid in full. After much suffrage in sending copies of the letters, copies of the application for XXXX, letters from our attorney in bankruptcy, and notice of the correspondence received from Naviance, we were then told that the letters were sent in error ; and that we were still liable for the loans! You could imagine our confusion! Who would send letters with the exact loan numbers on them and the correct name and address ( we'd just moved and filled a new address with navient just a few months prior ) if this indeed was done in error! My response was that we were going to adhere to the letters and not make any further payments. Navient kept calling and kept insisting that we we're still liable for the loans. I saw it differently! Now they are telling us then we must have our attorney call to discuss this situation. we admit that one of the lungs was in my husband 's name and he is not disabled however he was in bankruptcy with me. And the other loan was a XXXX loan and could not be included in the letters that were sent, though it was! also, we were told that because my husband was a cosigner on one of the loans in my name, that he would then have to pay if indeed the loan was discharged. that doesn't make sense because if a loan is paid in full why would that be anything left over for him to make payments? Please look into this issue and direct as to where we should now turn! We appreciate the time you give this situation! And we are willing to go ahead with a suit if there is no other way to come to and honest solution. Thank you!
Consumer complaint received 2023-01-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My wallet was stolen out of my car awhile back. I immediately reported it to the police once 1found out. I believe 1 could be a victim of identity theft as i had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.

To whom it may concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? 1 heard that if you can't provide proof, these accounts must be deleted. Well want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation and provide me with verification of these accounts. Please investigate the following accounts and remove them if anything IS missing or not correct on them.
Consumer complaint received 2021-06-30
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: Experian Information Solutions Inc. (FL)

I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

spoke with my mortgage lender and I was informed I was approved for a mortgage modification. I was also told I had been approved for a mortgage modification and my 1st payment was due XX/XX/2019. I have not received a letter saying I was approved for the modification or when the first trial payment is due. 
The mortgage company has my home in foreclosure and I have not received any mail.
Consumer complaint received 2019-06-06
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. (OR)

I am so disappointed how Equifax and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX  XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I am a new customer of this loan with Specialized Loan Servicing. 
Soon after in XXXX. I received the attached letter stating they had transferred the loan to XXXX XXXX XXXX. I accidentally sent TWO payments : ONE to Specialized Loan Servicing for the correct amount of {$1300.00} and a payment of {$2200.00} to XXXX XXXX XXXX thinking it was my PRIMARY home mortgage company. I immediately called to request a refund on XX/XX/XXXX ... 
The said it would take approx 5-days to receive the refund. 
Called XX/XX/XXXX ... they said 'they were under a deadline to send it between XXXX XXXX Called XX/XX/XXXX, they said 'they were under a deadline, that it had to be sent out by the XXXX. 
Called XXXX XXXX, they said it was 'under review ' should be sent soon Called XXXX XXXX, they said it 'should have been mailed ' ... .not sure if it had Called XXXX XXXX. they said it was sent on the XXXX Called XX/XX/XXXX. finally got a SUPERVISOR named XXXX ( not you ) at : XXXX, said he would give it 'personal attention ' and call me back the next day ... .he never did Called XXXX XXXX, they said I needed to 'sign some release form ... .it was emailed to me, but nothing to sign Called XXXX XXXX, 'told it was under review ' ... .not sure if it had EVER been sent Called today, XX/XX/XXXX ... .a guy named XXXX at extension XXXX, said he would give it 'personal attention and 'expedite it to financial dept manager ' that someone FOR SURE would be contacting me within 3-days Called XXXX XXXXTold I needed to issue a request to stop first check and submit another check Called XX/XX/XXXX-Told check was in 'process ' of being sent again ... couldnt tell me exactly when They refuse to let me talk to a supervisor ... .NO ONE has yet to return my calls ... the ONE supervisor I did talk to in XXXX is no longer with the company. They could not give me ANYONE else. 
I'm concerned that this XXXX XXXX XXXX is possibly a fraudulent company and that I might have been scammed. 

Its been a nightmare ....
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OH)

I had a charged off account with Victorias Secret. On XX/XX/2021 I paid the debt in a settlement to Victorias Secret debt collector. My Victorias Secret account shows on my credit report as derogatory instead of paid. I have called and written to Victorias Secret. They will not remove it or state bill has been settled and paid. I have tried disputing it with the credit agencies. Ive paid the debt Im asking that they report it as paid not derogatory.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

The morning ofXX/XX/XXXXwe were notified of low funds in our account. We logged into our Chase Bank app to find that three separate ATM withdrawals had occurred the day before in XXXX XXXX ( all three were still listed as pending ). The first took place at onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX for {$XXXX}, the next onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}, and a third also onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}. We notified Chase on their fraud phone number as soon as we saw the withdrawals. They said that they would reverse the transactions while they investigate. 

OnXX/XX/XXXX, we received a notice from Chase saying that they were denying our credit and were going to take out the total {$XXXX}. When asked what the reason behind this was, XXXX on XX/XX/XXXX said that it was because after the transactions took place our account was logged into multiple times, and it was a chip to chip transaction. We did not take the money out, nor were we in the city of XXXX XXXX on either of those days. 

We are currently in the process of filing a police report to obtain the videos at both ATM machines, but we are unsure how long this will take. 

Please help!
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (CA)

I received a payoff quote from BMW Financial Services to payoff my lease on XXXX in the amount of {$51000.00} good through XXXX. The vehicle was sold to the dealer on XXXX. To confirm the figures, they requested a new payoff. They received a payoff in the amount of {$51000.00} good through XXXX. The lease was paid off a few days later on XXXX well within the time frame of the original payoff I received. BMW is now telling me, there is no overage and the payoff I originally received is voided as a new payoff was requested.
Consumer complaint received 2019-06-06
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. (OR)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX