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

Every month I receive a letter from them stating that because I have no insurance on my vehicle they are tacking on an additional {$70.00}, I do in fact have full coverage insurance on my car and have never had a lapse in coverage. Every month I call and they tell me that they received a cancellation notice so I call my insurance company and they say theyve never sent one. In XX/XX/XXXX my car was hit and so I filed a claim with my insurance and they sent the claim to Lobel and they told me that the letter my insurance company sent was a cancellation, when I asked them to send me a copy of what they received they told me they cant because they dont have it. I have had to call my insurance company every month and ask them to fax my insurance over which they do, after Lobel gets it they say they received the wrong information but I always ensure they fax exactly what they ask for. Every month I pay my car payment either early or on time and every month they are threatening to ding my credit report because I refuse to pay the additional {$70.00} that they are tacking onto my monthly bill. When I filed my insurance claim my insurance company sent me a check that had both my name as well as the auto body shops name on it, when I was on the phone with Lobel the girl told me I needed to send them the insurance check, I politely told them no it goes to the auto shop and she told me if thats what you think
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (GA)

My mortgage company BBVA made an unauthorized payment from my escrow account of {$1200.00}. They stated this was payment for XXXX XXXX XXXX   charge however we do not use city of XXXX XXXX. We use a private sanitation service. Although we have called them previously to apprise them of this fact ( Ref #  XXXX ), and they assured us they would not make this payment, they ultimately disbursed this money on XX/XX/2018. There is no bill supporting this charge and despite repeated calls there has been no action on the part of BBVA. Most importantly, no sanitation bill exists from City of XXXX for this amount ( or any amount since we do not use city sanitation ).
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

I'm being charged late fees on loans as if I'm on a payment plan while in deferment. 
I haven't agreed to a repayment plan because I'm still attending school with loans in deferment. 
My student loans are being reported as not making payments on time with late fees. They are appearing as a negative.
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (TX)

This is regarding my XXXX Inquiry on XX/XX/2017, this complete unauthorized inquiry and not have my permission, please look into issue and remove it from my credit report from Equifax as soon as possible. they are not responding to my inqury.
Consumer complaint received 2019-01-10
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. (NJ)

To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the XXXX agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that XXXX took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (TX)

We have an account with Wells Fargo from the company that installed our new air conditioning system. It has set equal payments and no interest. Back in XXXX my payment was five days late because of the way our checks fell, and I completely forgot about it. When I logged in to pay the bill I was told that I had to pay a double payment. One for XXXX and one for XXXX plus a {$27.00} late fee. Not a big deal, I was late. I get that, it happens. Keep in mind I was FIVE days late. Two weeks after the double payment I get a notice that I havent paid my bill for the month of XXXX. Another late fee has been posted to the account. When I call customer service they tell me it is because I paid early and the double payment applied to XXXX billing cycle. I was told that they had to put in a request to split the payment to cover both XXXX and XXXX, and to wait till the normal due date to pay XXXX bill. XXXX due date rolls around, I pay what I was told when I was told just like normal. By now Ive got multiple late fees and interest is not being added to my interest free account. I called again last week, I was sent straight to collections, and was told that they would put in ANOTHER request to have the double payment split. Earlier this week everything on the account was put back to normal. But they have reported my account as 30 days late twice to the credit bureau, causing my score to drop significantly
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THESE 3 CREDIT BUREAUS CONTINUE TO INCLUDE INFORMATION THAT IS INCORRECT FOR MY FULL NAME AND ADDRESS ON REPORTS AND THEY HAVE A LISTS OF ALSO KNOWN AS NAMES AND ALIAS THAT ARE NOT MY CURRENT NAME AND ADDRESS
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

I have a credit card ( XXXX ) with Chase bank. For more than 7 years I have been charged a " overdraft fee '' of almost {$200.00} a month. I have asked Chase on several occasions to provide the date, the amount, and origination of the overdraft without success ( most recently via telephone week of XX/XX/XXXX & via email XX/XX/XXXX ). I have been told the entire monthly payment has been to service the fee. I rarely use the credit card, until recently and want to take advantage of its offering. I AS of XXXX I am now being told that I must fax or write the request ... I am getting the run around so they can continue to charge me this fee. I have several issues with the situation : 1. The inability and unwillingness to provide what I have requested ; 2. The amount over the years is significant ; 3. The overdraft % rate is something like 23 %, paid greater than 7 years is predatory. I am desperate to have some help.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stuart-Lippman and Associates, Inc (PA)

I was suppose to work for a company by the name of XXXX XXXX. In 9 months nothing materialized and we mutually decided to end the contract. Once it was ended, I received notices from a debt collector Stuart Lippman and Associates. They stated that I owed XXXX XXXX for E & O Insurance through XXXX XXXX. I asked them for the policy that bears my name so that I can have the policy cancelled, as I have E & O that I purchased through XXXX. I explained to them that I am in the process of disputing this with XXXX XXXX and they told me that if I don't pay they will put this debt on my credit profile. I am in the process of purchasing a home, and I no longer can get the rate I had once I applied because since they did this, my credit has suffered as it dropped 40 points. I have had NOTHING negative on my credit in 5 years I worked very hard to get a good credit rating, and now I no longer qualify for the tier I was approved for and I am an Insurance Broker and I cant work for Companies with negative credit. I have continuously asked them to validate the debt by sending my the policy and instead they did just what they said and put this negative information on my credit profile. This has really affected me negatively and I do not owe this debt.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-06-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (PA)

I opened a cd with Barclaysus on XX/XX/XXXX and funded it with {$100.00} on XX/XX/XXXX. After the funding I had several issues accessing my account but did not really care since I had confirmation the account was set up and I was getting monthly notifications. I tried to sign in again today and could not log on. I called them and confirmed all of my information. They transferred me to their security team who told me the account was under investigation as fraudulent. She said they closed the account in XX/XX/XXXX and refunded my money. She also said Barclays spoke to me in XX/XX/XXXX and explained that I was scammed. She said the money was refunded to the account it came from. I received no call from Barclays in XX/XX/XXXX and they never refunded the {$100.00} to my bank account. I want my money back and if I was indeed a victim of identity theft, it seems like Im entitled to notification of that in writing.
Consumer complaint received 2018-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My mortgage loan servicing apperantly was transfered to a new servicing company - my automatic payment was deducted from my checking account by a company I have never heard about before. 

Both transferor servicer and transferee servicer failed to comply with the requirements of the paragraph 1024.33 of Regulation X - I have never received a notice of transfer. 

I would like CFPB to pay attention at these two servicers and audit their compliance with the regulations : XXXX XXXX XXXX XXXX XXXX Thank you!
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (FL)

I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I contacted Experian in XXXX about incorrect personal information on my report. There were several mistyped names and addresses. I never received a response back and upon looking at my current report they chose to pick and choose what they took off. Under the FCRA they must take off any information that is incorrect. I called and informed a rep that I have never lived at any of the below addresses listed and that the names I have never been known as or legally been. She informed me tough luck they report what they want and if it's a debt owed they won't remove it. Well, it's inaccurate information which tells me the credit bureau isn't actually validating debt and just putting whatever it wants on it. 

These are INACCURATE names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX XXXX XXXX XXXXl XXXX, nc XXXX
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have a collection account on my credit report from XXXX XXXX   XXXX XXXX, XXXX. 
Please be advised that I'm disputing this collection due to the fact I have no contract with them and Portfolio Recovery does not have a valid license to collect debt in the State of North Carolina according to North Carolina financial regulations. I am requesting that you delete this account from my credit reports or provide me physical proof that they are licensed to collect debt in North Carolina
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I received a collection notice from XXXX. XXXX XXXX, XXXX. I wrote to XXXX. XXXX  on XX/XX/2016 and requested via certified letter that I '' m disputing the debt and that they please verify the debt as required by the Fair Debt Collection Practices Act. 

I never received a response back from XXXX. XXXX XXXX, XXXX and proceeded to send dispute this collection directly with the 3 major credit reporting agencies ( XXXX, XXXX, Transunion ). 

I provided the same materials that i'm including in my complaint to the credit reporting agencies and XXXX  as well as XXXX both removed the collection from my credit report. 

Transunion is refusing to remove the collection from my credit report which violates the Fair Credit Reporting Act. 

Please help me bring this issue to a close.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from my credit report.
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX onXX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX/XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. ALL INQUIRY NOT MINE
Consumer complaint received 2018-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On Saturday XX/XX/XXXX I did a online money transfer through Wells Fargo app with XXXX of {$560.00} I put in one wrong dight so the money was transferred to a person I dont even know and didnt notice after Tuesday XX/XX/XXXX I called Wells Fargo and let them know about my mistake they told me to give them 10 business days so they would solve the problem through the period of time I kept on checking the status of the claim and they told me if by the 10th business day the money was not refunded they would credit it back until they solved the problem I waited and nothing happened so I called them again and they told me they were no longer able to help me because it was my mistake then I spoke to a head supervisor '' and he told me they couldnt help me that they had spoken to the person the money was transferred to and the person declined to sent it back so I had to get a hold of the person I explained to him that i had already tried to get a hold of the person but they wouldnt answer or respond so he said that then I had to deal with the person, right after hanging up with him I went to my local bank and explained the situation the banker called the claim department to see what they had done and they told him once the money is sent nothing could be done and that they could not contact the person the money was sent to so this means the supervisor lied to me when he said they had contacted the person and that they had declined to refund the money so the banker again told me they couldnt do anything either. So this means I just lost {$560.00} to a person I have no idea who it is and the bank was no help!!
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am not employed at XXXX XXXX. I am a XXXX XXXX. Please send verification of change to me XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.