davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Fifth Third Bank debited my account an amount that was almost double what they were authorized to debit to pay for an insurance policy.

They asked me to provide proof of insurance coverage on XX/XX/XXXX and I submitted on XX/XX/XXXX that proof of coverage.

On XX/XX/XXXX I saw that the amount debited from my account was around {$950.00} whereas my monthly payment was around {$540.00}.

When I called in they said they had received the proof of coverage but that the loss payee was incorrectly listed as " XXXX XXXX XXXX XXXX ''. That is correct, the proof of coverage I provided had this clerical error on it. However, no one from the bank contacted me to inform me that the proof of coverage was defective. Instead, they purchased a new policy for me at a cost of {$3500.00} and began billing me for it.

I'm concerned about a few things in this situation.

First, I believe that Fifth Third may be in violation of the EFTA regulations regarding pre-authorized electronic funds transfers. Per 12 CFR 1005.10 ( d ), " When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer. '' I never received any notice about the roughly {$400.00} increase in my monthly payment.

Secondly, the bank 's failure to notify me of the fact that they deemed my proof of coverage defective seems convenient. I haven't done legal research to determine what statute or regulation this runs afoul of, but this particular practice seems like a fraud. When I bought the policy from XXXX XXXX, I believe it is XXXX XXXX 's practice to notify the lienholder of the existence of the policy. I don't know yet whether XXXX XXXX  did that. But, I provided Fifth Third with proof of coverage, like they asked for, and they did not seek to contact me or XXXX XXXX after determining the coverage had a clerical error on it. This is wrong.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (IL)

Regarding : Vehicle : XXXX XXXXXXXX XXXX VIN : XXXX Illinois Title # XXXX Registration Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To Chase Auto : I had a car loan with Chase which was used to pay-off a lease I had with XXXX XXXX. 

XXXX XXXX was also a party to the Lease transaction when I acquired the car new in XXXX. XXXX XXXX is still listed on title with the State of Illinois. 

XXXX XXXX should have sent the Title to Chase. and appropriate paperwork indicating a release of lien. XXXX XXXX reports sending all the appropriate paperwork to Chase. 

Chase was reported to send a release of lien to my current lender which is XXXX XXXX. However, Chase did not forward a title. 

At this point, I am not sure where the title is and how XXXX XXXX figures into the lease transaction. I suspect that XXXX XXXX provided financing to XXXX XXXX to purchase the car but am unsure. 

What I need to clear up my title is copies of the documents sent to Chase from either XXXX or XXXX. 


Background XX/XX/XXXX XXXX XXXX from XXXX XXXX. Lease term was 39 months & the lease was paid-off early. 
XX/XX/XXXX obtained a pay-off from XXXX XXXX for remaining balance to purchase the vehicle. 
XX/XX/XXXX opened Chase Auto-Loan account & Paid-off XXXX XXXX Lease Agreement in full . 
XX/XX/XXXX Opened XXXX XXXX XXXX XXXXXXXX & paid-off Chase Auto XX/XX/XXXX Chase Auto reported being paid-off Since XX/XX/XXXX I have had a car loan with XXXX XXXX. 
XXXX XXXX advised me that they have been trying to obtain a clear title since the account was opened and have not been successful.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I XXXX XXXX, am a victim of I identity thief. I have reached out to the bureaus numerous of times with no response and I am in the process of seeking legal damages. My attorney ( XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX, has noticed several breaches in the FCRA concerning my case. I see student loans seeing I have never been to college a day in my life. This has to stop. I have filed a police report months ago and sent ii in certified mail. Nothing has been done. I have faxed and called XXXX, XXXX and Experian. I was turned down for a mortgage and my family and I was forced to live with relatives. This is embarrassing and truly a hindrance. I have went in to a mental depression behind this because I've had issues with law enforcement based on the fact that the thieves used my information to commit a white collared crime .These are the erroneous and fraudulent accounts in detail : XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$66000.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$38000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX{$26000.00} XXXX INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX Customer Service Manager at Experian Experian NCAC Email : XXXX XXXX XXXX Operations Manager Experian NCAC XXXX XXXX XXXX CEO CEO Experian Americas XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator Experian North America XXXX XXXX XXXX CEO North America Experian PLC XXXX XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX XXXX XXXX XXXX XXXX XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corp Corporate vice  president chief legal officer XXXX XXXX XXXX XXXX XXXX XXXX EVP Compliance and Litigation XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX   Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent certified letters to XXXX, TransUnion and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since XXXX, TransUnion and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by XXXX, TransUnion and XXXX and unable to fairly obtain housing, credit, loans or employment.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-03-24
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. (MD)

I have been a XXXX XXXX XXXX customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

XXXX ( a wells fargo company ) has been reporting a 30 days late payment on my acct since XX/XX/2016. i have spoken to several agents to have this negative info removed to no avail. wells fargo has been repeatedly involved in questionable business activities ; failing to report accurately to the credit bureaus being an ongoing complaint.
Consumer complaint received 2019-03-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have written 4 letters within the last 6 months demanding removal of this account and no one will remove or verify this account with my original signature. Furthermore XXXX XXXX XXXX is not licensened in the state of Ohio where I reside to collect debt
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX is reporting an account on my credit report on behalf of Portfolio recovery associates. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. Portfolio is listed a XXXX XXXX account.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MI)

XXXX  In XXXX I started repaying my XXXX student loans. XXXX was extremely difficult work with in terms of getting help on repaying loans. After hours on the phone I entered into an income - driven repayment plan request. XXXX than on XX/XX/XXXX changed the terms of the loan. On XX/XX/XXXX my deferment was approved because XXXX terms or repayment plans could not get me below {$300.00} a month. I got another email about more loans on XX/XX/XXXX I combined and got another deferment. On XX/XX/XXXX my deferment ended. The US dept of Education assigned XXXX again to my loans in another email on XX/XX/XXXX. My loan payment terms were changed again on XX/XX/XXXX to {$360.00} a month. Instead of helping me find a more affordable option while I was on XXXX XXXX they suggested I did forbearance. I feel like the company made it so hard. I had to pay all or nothing. I would have loved to been able to make just {$100.00} payments each month but XXXX said that they repayment options didn't allow that and that my loan would be considered delinquent if the entire amount wasn't paid.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent 3 letters about removing negative accounts from my credit report. It has been 45 days sense first letter was sent out certified mail demanding Reinvestigation of negative accounts. I still have not received a response by law these accounts must be removed immediately. It has affected my ability to obtain credit at this time. And this has caused me financial hardship
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I pulled my credit report several months ago and noticed Resurgent Capital Services PYOD LLC Reference ID XXXX ( Account XXXX ) is reporting on my all 3 major credit bureaus that I owe {$570.00}. I do not recall doing any business with this company so I sent a letter demanding a copy of a contract with my signature that I agreed to pay you {$570.00}. I received a letter with a account summary from you. I sent another letter stating that you failed to verify that I agreed to pay you the amount above. This last letter I received XX/XX/2021 on a type letter from your company titled account summary report with historical account information from a company I did agree nor authorize to open an account with. This is against the law to report face information on my credit reports. You are required to verify that I owe any monies to you. Verification is PROOF that I owe you. which includes my personal information, including SSN etc and a copy of a contract that I agreed to pay you the amount. Failure ti provide this information is a violation against my rights. I authorize CFPB to do a formal investigate this matter and receive related information.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid 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: FIRST NATIONAL BANK OF OMAHA (WI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my credit card has been used up to the limits and none of the transactions were made by me. During those days, I was working and I have my schedule picture. The credit card company denied my claim saying I used it myself since the card was not reported as stolen or lost. I have the card with me in my wallet so why would I tell them its been lost or stolen? I did not realize about those transactions as I dont use my card very often. I called during my work day for almost 3 days talking with different persons, all they wanted is to make me pay the money. Claim investigators didnt talk nicely and properly as they yelling at me for explaining about the situation. I work with {$14.00} one hour how can I use my credit limit on the same day??
Consumer complaint received 2019-03-24
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. (AL)

I XXXX XXXX, am a victim of I identity thief. I have reached out to the bureaus numerous of times with no response and I am in the process of seeking legal damages. My attorney ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX, has noticed several breaches in the FCRA concerning my case. I see student loans seeing I have never been to college a day in my life. This has to stop. I have filed a police report months ago and sent ii in certified mail. Nothing has been done. I have faxed and called XXXX, Equifax and XXXX. I was turned down for a mortgage and my family and I was forced to live with relatives. This is embarrassing and truly a hindrance. I have went in to a XXXX   XXXX behind this because I've had issues with law enforcement based on the fact that the thieves used my information to commit a white collared crime .These are the erroneous and fraudulent accounts in detail : XXXX XXXX {$10000.00} XX/XX/XXXX XXXX US Dept Of EDU {$66000.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX/XXXX {$38000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX  XXXX XXXX Customer Service Manager at XXXX XXXX  XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX   XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX  XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX and Chief Client Officer Equifax LLC XXXX XXXX XXXX XXXX Equifax LLC XXXX XXXX XXXX Equifax LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX XXXX VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President XXXX   fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice  President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX   XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX  XXXX XXXX XXXX XXXX Director-XXXX   Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2022-06-11
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. (TX)

On XX/XX/XXXX, I sent out a dispute letter to Experian about my account with XXXX XXXX. They sent me an email on XX/XX/XXXX, they sent me an email explaining the dispute process and etc. Today, XX/XX/XXXX, they come back with they investigated and found the information they are reporting is inaccurate. The account does not have the original date of delinquency as I asked them to report. XXXX and XXXX are reporting the account correct but Experian has a totally different information then the other two bureau. This is not accurate reporting. I talked to XXXX XXXX at XXXX XXXX and she told me that they told the bureau to close the account but did not say anything about re-aging the account. This account was first delinquency in XXXX now my report is say XXXX. This is accurate and I want it fixed.
Consumer complaint received 2020-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Never received settlements from courts ruling.Navient lawsuitsXXXX XXXX filled XX/XX/17 XXXX XXXX Documents 1 filled XX/XX/17 pages 11of 66.My email is XXXXVery troubling.and hardships from day one. Also XXXX XXXX garnished my check knowing it was wrong.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I was attempting to file my annual re-certification for my IBR program with AES, but the online link to the IRS was not functioning. I called in to AES customer service and they said I could file the paper version, but it would take longer and therefore I would possibly receive a bill with the ( exorbitant ) default repayment rate as an amount due ; if that happened, I was instructed to pay the usual amount until I received a bill with the corrected IBR rate. I promptly filed the paper docs, as well as continuing to attempt the online link to the IRS until it finally worked. However, my next bill indeed went from about {$300.00} to over {$1100.00} due, so I checked online at AES and my IBR had completed and was increased to about {$500.00}, so I paid the {$300.00} as instructed and waited to receive a print bill with the new amount listed. The next bill, however, was for nearly {$2000.00}, plus late fees, with a threat of collections.

Upon calling in again, I was told that I was late with the IBR papers ( when they should have had records showing I was clearly not ) so I was on the hook. They eventually claimed that I could resolve the issue with a forbearance. They offered no other relief and refused to eliminate the late fees, so I said go ahead. However, what they actually did instead of eliminating the overbilling ( about {$600.00} ) was recapitalize all outstanding interest ( over {$2000.00} ) so they could charge interest on that as well. 

I don't know if your new boss has managed to gut your ability to handle these fraudsters, but I suspect that's what has emboldened AES to try this stunt. Thanks in advance for any assistance you can lend, but I'm not holding out much hope.