davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel Financial assessed a mandatory insurance policy on a vehicle financed through them even though the proper and required proof of insurance was provided to their legal and insurance departments on several occasions by myself and by my insurance agents. 

The policy premiums for the coverage assessed on the vehicle were prorated on a monthly basis and added to the monthly payment on the vehicle. Despite repeated phone calls and faxes by my insurance agents the assessment went in for a period of approximately 30 months. Additional attempts to provide proof of coverage were to no avail. Lobel Financial was informed the account should have been credited for the accrued mandatory insurance premiums by XX/XX/2016 else legal action would be brought. 

Company representatives provided assurances that the insurance issue would be taken care of and that the amount credited back to the loan balance would be used to offset future payments due. On XX/XX/XXXX the company proceded to repossess the vehicle on grounds of missed payments on the account. On XX/XX/XXXX upon contacting the company to cure the loan to recuperate the vehicle the company representatives stated that the only available venue to get the car back would be to pay the remaining balance in full. 

Their excuse for proceeding in such manner was the allegation that the vehicle was being used to commute back and forth from XXXX contrary to the loan terms. Upon review of the loan documents said clause is obscure and unclear and therefore subject to many interpretations.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (TN)

I built a new construction home in XXXX XXXX, TN with the home builder NVR, INC., operating under their Tennessee XXXX XXXX XXXX XXXX. I was promised {$4500.00} in closing costs which was arbitrarily reduced to {$1500.00} when I did not use their affiliate mortgage company and title company. I was pressured with a week left before my closing to sign documents altering the contract reducing their contribution of closing costs by {$3000.00}. I did not plan for this and was forced to tap into my XXXX retirement savings account and pay the penalties associated. I was also forced to sign other documents a week before closing related to my use of an independent lender and title company. The pressure and steering to use the affiliated companies were extremely discouraging. I thought XXXX XXXX were to represent the TRANSACTION between buyer and seller? How can I be forced to use a title company affiliate. I did shopping for my mortgage with several lenders and I feel confident that the rates and junk fees quoted by NVR 's affiliate did NOT represent averages for the industry.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc (TX)

I paid {$64.00} for cloth in XXXX using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX customer support. I want to file case against XXXX / XXXX 

XXXX share my personal identity to XXXX different collector agency which is here below, 1. XXXX - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. Northland group - please find attach document 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX Tel : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
Consumer complaint received 2015-12-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

I did have a Mervyn 's account ( XXXX? ) but when the store closed in our area in XXXX, I paid off my account and closed it. I JUST got a letter from XXXX XXXX XXXX ( XXXX XXXX ) saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but XXXX wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies ( XXXX etc ) to remove this from my credit reports.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The CFPB was very helpful in getting my XXXX Credit Report corrected. The issue now in the reporting by Transunion. I filed XXXX dispute regarding their reporting of a mortgage with XXXX. The problem appears to be with Transunion at this point and not XXXX. Transunion is reporting the same loan twice. Once as {$340000.00} and again as {$340000.00} ( see attachment )
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (AZ)

ERC : XXXX, XXXX. XXXX  XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.
Consumer complaint received 2020-05-06
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-09-05
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. (NV)

In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX  ) to the credit bureaus of experian and XXXX, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but experian and XXXX  never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a pain in the XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.
Consumer complaint received 2018-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX around XXXX I drove through a drive-Thru atm and deposited {$220.00} ( 1- {$100.00} and 6- {$20.00} bills ) When asked if I would like a receipt I said no and drove off and even left my debit card behind which the bank contacted me about a few days later. Once I got home I checked my balance and to my surprise my cash deposit was not posted to my account. Ive never had any issues making a cash deposit on the atm which is why I didnt bother with a receipt but clearly its not the case anymore. I contacted the bank right away and they opened up a case and concluded they will not crediting my account with MY MONEY I deposited. I spoke to XXXX a telephone banker at US Bank on XX/XX/XXXX at XXXX and she told me she can reopen the claim or reach out to another department via email to find out why the investigation was closed without a credit. Its now XX/XX/XXXXand Ive yet to hear from XXXX  or US Bank about the {$220.00} cash deposit I deposited at the ATM. Please any help would be much appreciated.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX HUNTER WARFIELD To  Whom It XXXX Concern : This letter is being sent to you in response to CFPB COMPLAINT : XXXX sent to me on ( XX/XX/XXXX ). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request tha tyour offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action mightconstitute fraud under both Federal and State Laws. Due to this fact, if any negative mark isfound on any of my credit reports by your company or the company that you represent I will nothesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

GM Financial took money via ACH without my authorization and my account was over-paid. Then, they said it would take 14 days to pay me back. I paid my lease in full on XX/XX/2018 and cancelled further ACH withdrawals. They must not have updated their system on time and still pulled the money out of my account on XX/XX/2018. 

I understand mistakes happen, but I paid my lease payment on the due date every single month via ACH, not a single day late for the entire team. 

They take money out of my account on a unauthorized basis and take 14 days to pay me back? 

unacceptable.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (MI)

This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

So there is 3 accounts that are sitting on my credit report in collections for more than 7 years. one if from pro collect with a balance of {$4400.00} the other are from XXXX XXXX XXXX  of a balance {$1900.00} and {$550.00}. I tried disputing these collections and they keep telling me that they are accurate. bur see not all credit bereaus are reporting these accounts. the procollect is not my debt. For the pro collect all 3 credit bereau are repoting different balances which is has been more than 7 years sitting there. please help as you can see in my report i am trying to fix my credit and this is really affecting me. thank you in advance
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I am currently on my 5th phone call with Citibank in 3 days. My credit card number was stolen- I was alerted to a fraudulent transaction by text from CItibank on Monday XX/XX/18 at XXXX XXXX., I was told Monday at XXXX., card was being shut down and a new one issued. Since then, multiple transactions have shown, including 2 transactions, both to same vendor- one to old card after I was told it was closed and one to the new card that hasn't been activated yet. The first of these two charges I was told was declined, yet it now shows today towards my balance owed and a second charge for the same amount to same vendor is showing under new card number that wasn't even received when the charge was processed ( that's 2 charges to same vendor for same amount unauthorized and being cleared by Citibank ). I am told there are other charges, I am recieving emails that my balance is rising but Citibank will not tell me what those charges are or to what vendors they may be. I have spoken to 4 different people at Citibank just today alone- I requested the account be frozen multiple times including to 3 different representatives today and I am still getting emails from Citibank as I watch my balance continue to rise ( {$1000.00} since noon today ). I was told by one representative she was canceling the new card and sending a 3rd set of cards, I am now told the representative did not do any of the items she told me she was doing, and the balance due continues to rise. Citibank is dismissing the importance of the matter and is not acting on my behalf to protect my account.
Consumer complaint received 2018-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I use XXXX XXXX from XXXX as a local money transfer with my peers and my bank, Capital One. I recently noticed that i am unable to " Cash out '' money from XXXX to capital one yet until Monday, XX/XX/2018, this wasn't an issue and to my surprise, it just stopped working. 
Consequently, Capital one has charged me for non sufficient funds in my bank account since automatic bills can't be paid. 
Instead of addressing the issue, both XXXX and Capital One recommended that I should attach to another bank but I do not have another bank. 

Per Capital One, the bank no longer supports XXXX XXXX, and according to the Bank, its because XXXX XXXX is not security compliant with the Bank 's standards. In my opinion, XXXX as a third party provider would have received a notification from the Bank about the security updates that was about to occur. And according to various standards such as XXXX XXXX, XXXX XXXX, XXXX and many others, both XXXX XXXX and Capital One have the obligation to notify the consumer that the app will no longer be supported due to non compliance in security ( which is a big issue ). I know this because I work in IT Security. 

Neither XXXX or Capital One has notified me of any changes ; XXXX  XXXX failed the testing from Capital One and refuse to take responsibility of this situation and it is left to me to deal with unwarranted fees. Consequently, those payments are being rejected and I am being charged late fees from all my service providers. 

I am a victim here because theirr operations do not follow industry 's standards and best practices and I would like a resolution to this issue.
Consumer complaint received 2022-02-16
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. (SC)

I have a hard inquiry on my Equifax credit report from XXXX 's XXXX but I didn't apply for any credit or member cards. Equifax says it can stay on my credit for 2 years and affect my score so I disputed it with them twice and they have not removed it. here is the info and date from credit report : XXXX 'S XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : ( XXXX ) XXXX XX/XX/2022
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (VA)

I applied for a XXXX XXXX credit card, issued by XXXX XXXX XXXX XXXX XXXX ( and XXXX XXXX ), due to false advertising that promised a 20 % savings for purchase upon application. Once I had applied, I was informed online that the savings would not apply to the immediate purchase. I have attempted to contact the company and XXXX XXXX by phone, using the number given to me by XXXX XXXX and was kept on hold 29 minutes before I had to end the call. This seems like an effort on the part of XXXX XXXX and XXXX XXXX to lure customers into credit card applications, then stymie their efforts to cancel their applications once they realize they have been tricked into applicatoin.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

In XX/XX/XXXX I submitted a letter to Navient to ask them to explain why XX/XX/XXXX payment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also Navient is reporting a 90 day late on XX/XX/XXXX, but the XX/XX/XXXX and XX/XX/XXXX is reporting current. How is that? Navient is not cooperating with my request I would like to receive the transcripts of the conversation XXXX that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. Navient haven't provided me with verification of the conversation. I was promise that they will approve the request. 










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Consumer complaint received 2018-09-05
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. (PA)

There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc. (WA)

I started down the path of signing up for Lending Tree when I discovered that you needed my social security information, I was no longer interested. After that I received, and continue to receive unwelcome phone calls to my phone number, I requested my data be removed and I be put on the do not call list. I was then told I would be put on that list after 72 hours, but more than a month later I am still receiving phone calls.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (FL)

I was pulling into a for variance after hurricane Irma I was  told at the end it can be put back to the end of my Mortgage. Now they want me to do a loan modification I am not working I am a single parent I was diagnosed with XXXX XXXX very aggressive Im trying to get XXXX .. my Loan its being served by Seterus . My lender its XXXX XXXX