davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (CA)

My Name is XXXX XXXX On or about XX/XX/XXXX I notified my lender Lobel financial that the way I receive my income had changed. I continued to notify them about the situation every month and it was not until around XX/XX/XXXX that I was told that there was a way to change your payment due date. I followed the process and they continue to not follow through on their end. this is causing me many months of late charges. which they laugh about and say I will pay them in the end of the loan.

Another thing I asked them around XX/XX/XXXXif they could pre qualify me to get another vehicle. They told me no they don't do that. They are a finance company that does not Finance loans? Anyways I found out later that the vehicle that I purchased had four accidents. I found this out when I went to trade it in? They new about this when I financed it. I believe that they use this predatory lending practice so that the consumer will have to keep the high interest loan for the term of the loan. Since the vehicle is actually worthless.

YOurs sincerely, XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (NY)

There have been several calls to the financing company regarding lowering the interest rate ( 25 % ) to a reasonable rate ; the monthly note is nearly {$500.00}. This appears to be usurious and possibly discriminatory. An attempt was also made to get an extension ( XX/XX/XXXX, XX/XX/XXXX ).
Consumer complaint received 2018-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (MO)

XXXX XXXX  operating Manager XXXX XXXX and XXXX XXXX are receiving proceeds that are being disbursed by XXXX.THE FOLLOWING PARTICULARS APPLY COUNT I 1 XXXX XXXX XXXX XXXX (XX/XX/XXXX ) VEHICLE PROGRAM COVERAGE PRO RATED DUE TO TOTAL LOSS 2 XXXX XXXX XXXX XXXX ( NEW ) LIEN HOLDER FORD CREDIT.

I3. NFER TO BREACH OF CONTRACT TO BOTH COVERAGES BY XXXX XXXX.

WHRN RECIEVING SERVICES FOR TIRES THEY ONLY REPLACED ONE TIRE.HOWEVER BOTH TIRES EITHER FRONT OR BACK WERE REPLACED WITH ONE TIRE. XXXX XXXX  KEPT OTHER 3 TIRES.

COUNT II 4.TRANSMISSION WAS NEVER REPAIRED BY XXXX XXXX .

5.RECIEVE LETTER RELATING TO TRSNSMISSION MODULE BY FORD MOTOR .

6 FEDERAL COURT CASE PENDING FOR XXXX TO BE REFUND TO CUSTOMERS 7 XXXX PURCHASE CHRCK ONLY WERE TO BE ISSUED TO INDIVIDUALS OWNING XX/XX/XXXX XXXX XXXX HOWEVER BREACH OF CONTRACT INFERS TO upon performance incur failure to perform a discretionary function or duty to terms conditions of contract.

U.S.C. 1346 ( b ). Thus, both federal and State law may impose limitations on liability. The FTCA exempts, among other things, claims based upon the performance, or failure to perform a " discretionary function or duty. '' The FTCA also exempts a number of intentional torts.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX being reported 30-59 days late as of XXXX XXXX,2018. According to XXXX they have not updated report and when this was placed on the report by Equifax it was a weekend.
Consumer complaint received 2018-04-12
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. (TN)

I have an account on my credit report Experian and XXXX from XXXX  XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX removed the account but Experian and XXXX will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my Experian and XXXX credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC #  XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE
Consumer complaint received 2018-04-13
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. (AZ)

Creditor Information XXXX XXXX XXXX XXXX XXXX  FL XXXX  ( XXXX ) XXXX Account opened ( NOT BY ME ) and used twice with no payments made disputed with Transunion and they would not remove because the account was used twice Opened in XXXX 2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDCOUNTRY FINANCIAL CORP (TX)

I fell behind on payments and this account was charged off XX/XX/XXXX with a balance of {$770.00} and this has been the charged off balance since XX/XX/XXXX on XXXX, XXXX and XXXX. I recently applied for a home loan on XX/XX/XXXX and 2 days later this creditor has added {$720.00} to the charged off balance and now today they have added {$34.00} to the charged off balance bringing the balance to {$1500.00} on all three credit bureau. They are inaccurately reporting the balance owed on all three credit bureaus and inaccurately adding more to balance owed.
Consumer complaint received 2018-04-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

XXXX XXXX can not produce my loan information they refer me to XXXX who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synter Resource Group, LLC. (CA)

XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : Synter Resource Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is sent in response to a letter I received by you on XX/XX/2018. I am requesting that you provide validation of this debt. I have been in contact with XXXX as well as my local sheriffs office numerous times to report this account as fraud, as I have never opened an account with XXXX. However as neither XXXX nor your company clearly understands my complaint, I will be formally filing an intent to sue as well as lodging complaints with the XXXX, XXXX and XXXX  Attorney General, CFPB, and other relevant agencies. Civil and criminal claims will be pursued against both your company and the original creditor for violating FCRA 623 ( a ) unless you formally remove any and all of my information from your systems within 30 days of receipt of this notice. I highly suggest you heed my warning.
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2017 I wrote to the disputes department of Portfolio Recovery regarding a supposed debt that they alleged and in this letter that was sent certified with return receipt they were instructed to contact me in writing only and to provide proof of the debt. 

They have continued to call repeatedly to my cell phone number and today at XXXX XXXX they called my employer. They had sent a photocopy of a statement that didn't indicate anything about their right to collect on the debt, more importantly the debt has passed the statue of limitations and is no longer enforceable. 

I believe this is a direct violation of the Fair Debt act and want this harassment to end immediately.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (OR)

I had a student loan, it was a XXXX loan from California XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XXXX and defaulted in XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XXXX of XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With XXXX, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XXXX of XXXX. I submitted multiple disputes to XXXX and they have not fixed the problem. I have multiple old credit reports sent directly from XXXX XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XXXX of XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XXXX of XXXX and first reported as 90 days late and XXXX of XXXX. The date of furniture is adamant that they're providing the correct information to XXXX showing that the account was reported as 90 days late in XXXX of XXXX and that the problem is on XXXX end. XXXX refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

This is third attempt at fighting off the collection of this debt I have requested from the company debt validation and they have failed to validate the debt.

The company Calvary is stating that on XXXX XXXX2014 that it sent notice under 15 U.S.C 1692g which is required by law.

They're stating themselves in the letter that it was returned as undeliverable and they're right because I never received any letter or notice.

It is also been stated that Cavalry investigated the disputes and verified the information provided, however there's no accurate information to backup their allegation.

The person stated in the account who owes the debt it showed that it was a XXXX XXXX  now they're changing their allegations and saying that in the original creditor is a XXXX XXXX XXXX. I'm neither of those two names my names is XXXX XXXX XXXX requesting to have both of these debts removed from credit bureaus where they are been reported and cease collection records as they are not my debts.
Consumer complaint received 2018-03-13
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. (OH)

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau on XX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXX voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
Consumer complaint received 2024-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I was notified a couple week ago when i was trying to buy a car that i had some company saying I owed them XXXX dollars for a apartment that i never lived in and its affecting my credit score pretty bad so, at this point i filed a police report in hopes of getting this removed from my credit.
Consumer complaint received 2024-09-29
Product: Credit 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: Chime Financial Inc (KS)

On XX/XX/year>, I placed an order on XXXX for an amount of {$64.00} for an electronic component to be shipped to me through USPS Economy. According to the website, orders are typically sent within two to three business days after the payment is processed. After waiting 17 days with no shipment, I contacted the only support option available on their website, which was their email. I did not receive a response. After realizing the company will likely never ship the product or refund the amount, I contacted my banking provider to begin a dispute with the aforementioned information on XX/XX/year>. On XX/XX/year>, I received a notification my dispute was denied because no billing error occurred. XXXX investigated once more upon request XX/XX/year> and replied with the same insufficiently detailed response.
Consumer complaint received 2018-03-23
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (AZ)

My parents did a reverse mortgage with XXXX XXXX XXXX in XX/XX/XXXX. My dad XXXX 5 years ago and my mom just XXXX a year ago XX/XX/XXXX. I am the sole heir and the only family member left. I had been living with mom for 3 years taking care of her. This has been my childhood house since XXXX grade! Long story short, I got my name on the house and have a buyer who is waiting for the payoff amount and the mortgage company refuses to give it to me. The house goes up for auction XX/XX/XXXX and i am still not able to contact them. They have given me wrong numbers and i have left messages every day and they have yet to return my calls. I have been trying to reach them since the XX/XX/XXXX. They will not give me a payoff in a timely manner. 
The sale is due on the XX/XX/XXXX and foreclosure is the XX/XX/XXXX.

This is very stressful for myself and the buyer and I originally tried talking to them in XX/XX/XXXX and I could not talk to a manager or anyone in a higher position. They lost my paperwork and I had to resend it. I also noticed that my mother 's name is misspelled on the Notice of Trustee 's Sale document. They have purposely delayed things so I am in jeopardy of losing everything. This is unprofessional and very unfair. XXXX XXXX XXXX XXXX is also involved in the matter. 
Thank you for your time and consideration on this matter,
Consumer complaint received 2018-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, Bank of America process a mortgage payment without my consent or permission. I called and spoken to at least 5 Customer service representatives requesting the payment to be reverse. they agreed to reverse it. They then sent me an Affidavit form to complete and I did immediately On XX/XX/XXXX They charged my checking account $ XXXX.No warning, no communication. This is despite the fact they knew I had no fund available to cover it any charges. As a result, I ended up with so many unpaid transactions to my creditors ( via  Automatic bill pay ) i ended up with so many fees from both my bank for insufficient fund and from my creditors.Some of my creditors rush in decreasing my available line of credit and my credit report has suffered tremendously. 
Bank of America has acted illegitimately, unfairly and wilfully to place my account in a very absurd and negative rating.
Consumer complaint received 2018-03-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. (CA)

At or around XX/XX/XXXX, I purchased {$5000.00} bitcoin from coinbase using my atm debit card, not realizing I had a {$3000.00} spending limit. This transaction caused my account to be locked as my bank, XXXX, responding with NSF. The account was not unlocked even after the remaining balance was paid for 1 week. In the process of attempting to unlock the account, I wired {$10000.00} into the account and placed a stop payment as that also did not unlock the account. The account was unlocked around XX/XX/XXXX, and locked again around the XX/XX/XXXX. For two months they held more than {$17000.00} in my XXXX   account. Coinbase and XXXX are the same company, one being an online wallet, and the other being a currency exchange. The money they said I owed, they already had enough to pay for it in an alternate account with them. The way they've reconciled the account has been to collect all remaining coins in my account and every other coin which has exceeded the XXXX  they say i owe them. So while my account stayed locked, I've missed multiple opportunities to double and triple that money they held unduly restricted and made money off my money as stated in their terms and conditions.

I would like my account unlocked immediately as this restriction of funds has caused a series of events that has led to serious financial hardships for myself and my XXXX  kids.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have an issue with Capitol One. I have been attempting to gain online access to my credit card accounts for ( 3 ) years. I have 3 credit cards and I have never had on line access do to a glitch in their system. I have tried to resolve this issue for the past three years. They say their system will not let me in due to my hyphenated name ( I have been divorced for 24 years ). 
I can not access my cards on line, or by mobile application. I have begged the customer service team for help and resolution. I have spent almost XXXX hours on the phone with these people. 
I would like to file a clam. I do not have the same resources and rights as other consumers and my issues have never been resolved by the company. 

Pleas help me.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In accordance with 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.

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 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 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 information is inaccurate.
Consumer complaint received 2018-03-13
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: CITIZENS FINANCIAL GROUP, INC. (MN)

Hi, I received an invite for applying a personal loan from Citizens bank. The letter said that it is a pre-approved offer and I can use the invite code to check my interest rates. It also mentioned that there will be no inquiries on my credit report. So, to check my interest rate I proceeded with the loan application using the invite code. This happened on XX/XX/2018. Now, when I checked the credit report, I found a hard inquiry by Citizen 's bank. Please let me know how to fix it. Thanks