davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION (FL)

My problem is eerily similar to a lot of the complaints I see on here about Lobel Financial. I purchased a vehicle from a dealer that financed that vehicle on my behalf through Lobel Financial. From my first week of ownership, I consistently had problems with the vehicle. Took it back to the dealership who claimed they fixed it. They did not. Took it to a local dealership, they could not fix the problem either. The vehicle had mechanical issues that were very likely manufacturer 's defects. Having to pay thousands of dollars to fix the car and make monthly payments as well became to much for me financially. I chose to do a voluntary repossession. 

After the voluntary repossession I was sent a letter ( XX/XX/17 ) stating I still owed {$3700.00} for the vehicle. I disputed the alleged debt by certified mail within the required time frames requesting verification of the debt. Lobel Financial to date has never provided me with verification of this alleged debt. They also did not comply with FL consumer protection laws as stated on the Attorney General 's website ( XXXX ) regarding vehicle repossession. This law is stated as follows : " Once your car has been repossessed, your creditor may decide to keep the car as compensation for your debt or resell it in a public or private sale. In either case, your creditor must notify you about what will happen to the car. If the creditor decides it wants to keep the car, you have the right to demand the car be sold instead. You may choose to exercise this right especially if the car is worth more than the amount owed on the loan. If the car is sold at a public auction, you must be notified of the date in advance. If sold at a private sale, you will be notified of a date after which it will be sold. Any resale must be conducted in a commercially reasonable manner. For example, a resale price which is below fair market value may be unreasonable. If this occurs, you may have a claim against the creditor for damages or a defense against a deficiency judgment. You may also be entitled to buy back the vehicle by paying the full amount owed, plus any expenses incurred by the creditor. Additionally, you may be able to reinstate your loan by paying the amount you are behind on the loan plus your creditor 's expenses. '' Despite Lobel Financial 's failure to provide me with verification of the alleged debt, they immediately began reporting negative information to all three credit bureaus regarding this alleged debt. They also periodically falsely manipulate dates, amounts, and the status of the alleged debt in their credit bureaus reporting as well. Lobel Financial operates with a callous disregard for both state and federal consumer protection laws. There is no true protection for the consumer when a company is allowed to operate according to their own prescribed laws without accountability.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently disputed a mistake on my credit on transunion the account name was " XXXX XXXX XXXX XXXX '' it was removed.but the company is reinserting the credit report with my concent but transunion is not putting it back on.it 's showing that I don't have no credit, I have been trying to resolve it for the past four month and it's affecting me in my day to day life. I have attached documents proving that the creditor sent the reinsertion form.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (FL)

I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC. (GA)

This complaint is against Caine and Weiner who states they are a law firm approximately one week ago I sent correspondence to this company about accessing my credit file without my permission and requested that it be removed. I received an email from XXXX XXXX attorney at law who stated that even though this debt was discharged in bankruptcy and the inquiries were performed after the discharge they had every right to access my credit report because the debt was ongoing which it was not XXXX XXXX were aware that the account was included in bankruptcy and there had been no premiums paid on this policy since XX/XX/2017. I also sent him a copy of the creditors included including XXXX i paid no premiums nor did I use the car or insurance at any time during my bankruptcy I used my fiancs truck because I was under the impression the lien holder would get the vehicle st any time I did not give this agency permission to access my credit file and all of their inquiries were AFTER the discharge of the debt numerous times the accessed my file.
Consumer complaint received 2018-05-01
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

From outset of lease in XX/XX/2017, we repeatedly tried to have Toyota Financial debit our account for the monthly lease payment. In XX/XX/2017, we sent Toyota the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated Toyota had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting.

Driving 50 mile round trip to the Toyota facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile Toyota notified us that we had to pay 100 % of the remaining lease immediately.

Although the matter was finally settled, Toyota reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to Toyota appealing this unjust treatment only to receive a reply from them refusing our appeal.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

From XX/XX/XXXX-XX/XX/XXXX 25+ phone calls made 19+ representatives/supervisors 6 requests to have calls pulled 51 business days, 73 calendar days unresolved. Company is claiming that our account was at one point 30-60 days delinquent and has been FALSELY reported to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XX/XX/XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. HERE ARE ALL OF THE EXACT PAYMENT DATES WHICH CAN BE VERIFIED THROUGH EVERY SINGLE PHONE CALL!!!!!! THE ACCOUNT WAS NEVER MORE THAN 16 DAYS LATE!!!! XX/XX/XXXX - Account was opened. XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was 30-60 days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XX/XX/XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XX/XX/XXXX. XX/XX/XXXX - it was reported to the credit bureaus that XX/XX/XXXX was 30+ XX/XX/XXXX - we were told that the XX/XX/XXXX payment is what was 30+ days late because there was no payment showing on the XX/XX/XXXX statement. No calls were pulled per request even though the XX/XX/XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XX/XX/XXXX payment was 30+ days late. XX/XX/XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. Additional documentation attached.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

This complaint involves the company Diversified Consultants Inc. I am constantly being harassed and receiving phone calls almost every day in regards to collecting a debt that I do not owe. Diversified Consultants Inc. states that I owe a debt in regards to a cable debt. 

Diversified Consultants Inc. called me several times a day with different phone numbers, never leaving a voice mail, and I do not owe them any money, nor am I attached to any account that they deem is delinquent. 

I have received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on  : XX/XX/XXXX  at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX 

I am going to litigate if I continue to receive unsolicited phone calls from the Diversified Consultants Inc. and any variations of phone numbers that they are calling from. This is beyond absurd, and is extremely out of hand. 13 unsolicited phone calls in one month is ridiculous.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (KY)

I made a complaint on XX/XX/2018 with consumerfinance.gov to wells fargo and they said they would remove this off my report 30-60 days and its been over 90 and they have not followed through with what they said they would do. I never had a contract or gave these people consent to anything with my information. I need these hard inquiries removed ASAP from my credit report!
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have contacted and spoken to, " XXXX '', and have been denied a refund from citizensbank. This matter is in regards to fees obtained in an illegal manner on my citizens account. I have taken screen shots of my account frequently, and have documented account minipulation by citizensbank. The bank has applied double fees, held deposites and withdrawls for days even weeks, random surcharges, aswell as random fees.
Consumer complaint received 2018-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (NV)

XXXX XXXX/Speedy Cash stated on XX/XX/XXXX that a signed agreement with XXXX XXXX was in effect to negotiate a payment on my account. 

On XX/XX/XXXX XXXX XXXX/Speedy Cash sent me an e-mail asking about information about my credit card numbers. 

Such action is in violation of the signed agreement XXXX XXXX/Speedy Cash have with XXXX XXXX and constitutes harassment.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As a Bank of America customer and a taxpayer, I am extremely distressed by the bank 's new policy regarding firearms and accessories. Their actions to cut off financing and other services to legitimate, completely legal companies ( in this case firearms manufacturers producing popular and mainstream merchandise ) for political purposes sets a fantastically dangerous precedent and should be curtailed immediately. Indeed, their actions run in direct contravention to the Second Amendment of the Bill of Rights, as though Bank of America is a private company and therefore has certain rights itself, we the taxpaying people of the United States bailed out this company, and others, with hundreds of billions of dollars public money. For Bank of America and other financial companies to then turn around and not only discriminate against the very same law-abiding citizens of this country that bailed them out but to strike at the heart of our founding document and system of government at the same time is simply appaling. 
To add to this, there is now talk of financial institutions tracking purchases of firearms and accessories down to the customer level. For what legitimate purpose could such tracking be for, I ask? I can think of none, and truly can only see the motive as the restriction or complete denial of legal purchases paid for with one 's own money. This too is extremely dangerous, as the same logic and action could be applied to any transaction, by mistake or malice : Shop at a sporting goods store, and buy a tent, but the transaction is logged as a " firearms retailer '' - to have the transaction disallowed or your interest rate raised because you shopped at a " high risk '' store? Legally and legitimately exercise your Second Amendment rights and buy a gun - and your bank denies your next loan application as you are a " high risk '' customer? Perhaps the political winds change and another product or service is disfavored by the bank - what happens then? Shop at the wrong store, and your financial future is in jeopardy? Donate to the wrong charity and the same occurs? Go to the wrong church? Buy the wrong book? Donate to the wrong political party? What happens next?

I believe that banks and other financial institutions should behave in a manner consistent with their fiduciary responsibility to their stockholders and other ownership interests, and not attempt to alienate large swaths of the country and customers based on political whim. That goes especially for such companies that were bailed out by the American taxpayer to survive their own poor business decisions. It really is a terrible joke for Bank of America to behave in such an anti-American manner. No bank or business is too big to fail - revoke their charter or break them up. I and those I know will discontinue business with Bank of America or any bank that shows such blatant disrespect for the principles that underpin our nation.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, at around XXXX, I made four deposits using the ATM machine located at XXXX XXXX XXXX XXXX, XXXX , WA XXXX. My husband and my mother-in-law were with me. I deposited a total of {$11000.00} in cash ( in XXXX bills ). The money was brought by my mother-in-law from XXXX to pay for her expenses during her visits in the US. 

The four deposits were split into four transactions due to the cash deposit amount limit. The first deposit was {$3000.00}, the second {$3000.00}, the third {$2700.00}. However, for the fourth deposit of {$2300.00}, the ATM machine got stuck and swallowed my money without showing the amount I deposited. The ATM print out a receipt with a customer number ( XXXX ) for me to contact. I called that number immediately, and they say they will look into this situation. After 3 days, I saw my checking account was credited {$2300.00}, so I thought the issue was resolved, and I threw away the receipt. 

However, on XX/XX/XXXX, I got a mail from Chase saying they did not find the {$1700.00} and thus they reversed {$1700.00} credit that was placed on my account. I called Chase to re-investigate the issue, but after another week 's investigation, they said they still did not find the {$1700.00}.

This is shocking to me. I told Chase all the money I deposited were XXXX bills, the {$1700.00} seems very absurd. Could it be possible that the ATM machine spit out the money after we left and someone took it? I don't know how the ATM did the balancing of the ledger, but there is definitely something wrong. I don't know what's Chase 's investigation process. I requested to see the video footage of that night when I made the deposit, but Chase declined it. The video might prove that we did deposit a big stack of cash, or show somebody else took the money. I don't know what to do. Please help. 

I attached the bank withdrawal transactions from my mother-in-law 's XXXX 's account. She made a total withdrawl of {$14000.00}, but she just brought to the U.S. {$11000.00}. 

Thank you.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

My name is XXXX XXXX. I am a customer of Freedom Mortgage. My loan number is XXXX. After reviewing my recent mortgage statement I saw that the price had increased. I called Freedom Mortgage to ask why and they stated that it was due to an escrow shortage. The shortage is due to Freedom Mortgage paying XXXX money from my escrow account to another XXXX Policy Holder. 

This shortage is a result of discrepancy between Freedom Mortgage and my home owners insurance policy holder XXXX. XXXX XXXX is the Senior Premiums Receivable Specialist at XXXX. She reported to me that Freedom Mortgage sent a check to XXXX for {$1000.00} on XX/XX/XXXX. The check number was XXXX, attached t that account number was a policy number of XXXX and a loan number of XXXX belonging to someone named XXXX XXXX. 

Freedom Mortgage then sent another check ( XXXX ) for the same amount on XX/XX/XXXXwith the XXXX Policy number belonging to XXXX XXXX but with my name and my Freedom mortgage loan number. My only policy number XXXX was not on the check or payment stub. A review of the account for XXXX XXXX shows that on XX/XX/XXXX a refund of {$1000.00} was issued and cashed. 

I have attempted to contact both parties to remedy this. Freedom Mortgage has made the mistake of paying XXXX to cover another account out of my escrow account. However it is my belief that insurance companies need to make requests for these payments from mortgage lenders so I am not sure which one of these companies are at fault. What is clear is that my wife and I are a victim of this mistake and I would like for the consumer protection bureau to investigate this for me as I have been asked to continue to pay the increased mortgage amount and no one has guaranteed that this money will be returned to my account. Another concern is the ease as to which the name and policy number of the person who received the over payment was given to me.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I filed for chapter XXXX bankruptcy on XX/XX/XXXX and have received a letter of discharge. Transunion is still reporting 4 open accounts and 4 closed accounts with XXXX  balances. I have contacted all creditors involved and they have stated, the accounts have been closed on their end. I have filed a complaint through Transunion inXX/XX/XXXX with zero resolution. The 4 open accounts are also showing bad standing and past due accounts. 4 closed accts include two from XXXX XXXX, one from XXXX XXXX and one from XXXX XXXX XXXX. All 4 open accts are from XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting 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. (GA)

I was dismayed to find unauthorized inquiries on my credit report today, and Im at a loss as to why theyre there. My routine check revealed discrepancies that seemed to appear out of nowhere. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I urgently request a thorough review of the documents I've submitted to resolve this issue once and for all, so I can stop worrying about it.