davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I HAVE DISPUTED THIS ISSUE WITH EXPERIAN BEFORE AND THEY STILL LIST THESE INCORRECT ACCOUNTS ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THEM IMMEDIATELY.
Consumer complaint received 2015-05-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (NV)

In XXXX 2012 I bought a Jeep that was financed by a jacked up company called Lobel Financial. I started having problems with them right out of the gate, way before the first payment was ever due. They jacked up my payment by {$66.00} a month claiming that the required proof of insurance had not been provided. They 're blatant liars. Proof of insurance had to be submitted before ever being to take the vehicle from the property. This continued throughout the entire time I had possession of the vehicle. I will be submitting proof of this claim. Before the first payment was due I got sick and was diagnosed with XXXX. I was on LOA for 3 months. I was struggling to survive & they kept jacking the payments up. Maybe a year into it, the picked it up. The Monday morning they took it, they also received a payment. I had called on Friday and given them the information but they made sure they had it picked up before the mail ran that day. While in their possession it was damaged. I fought and got it back but naturally not without additional fees. They made me sign a paper they refused to give me a copy of. I had a witness to that. It went along again for awhile and they did it again. I was n't going to fight for it the second time. The sow that works the XXXX XXXX office sold the vehicle & proceeded to sue me for the what the balance was when they took it which was about {$7000.00}. She really thought she was going to get both. Lobel Financial has repeatedly been asked for the proof of the sale to see what they really got for it and they have refused to provide. When we went to Court she claimed they only charged me {$66.00} one time, but that should never have happened. I maintained the proper insurance the whole time and that proof was submitted to the Court. The DOJ is finally taking a look at the practices of Companies like this. Now she has a XXXX XXXX trying to collect another {$2000.00}, balance is incorrect and not owed. I have submitted a complaint to the CA AG 's ofc to look into this matter as well.
Consumer complaint received 2022-09-07
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: TRUIST FINANCIAL CORPORATION (SC)

Truist Bank is in violation of Federal Law bye means of XXXX XXXX XXXX XXXX XXXX They Truist Bank XXXX XXXX NC must cooperate fully with an in Criminal Investigation conducted by they FBI ( XXXX NC ) The Name XXXX XXXX XXXX and Excellent edit Rating is at Seruous Risk becausr of Double XXXX by Truist Bank over Information Theft Investigaste with Impuunity! 
XXXX XXXX XXXX
Consumer complaint received 2019-02-28
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)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (WA)

Macys turned my account over to a collections agency however my current account is not nor has ever been over due. I requested a replacement credit card when mine was lost in the mail XX/XX/2015. When Macys sent me my new card they actually created a new account and did not sync my old account balance with the new one, I was not informed of this policy which I am told is for security purposes. There was a outstanding balance of XXXX dollars on my old account that I was completely unaware of. I was getting statements for my new account and did not know that I had an old account that was becoming more and more delinquent. I never received a bill or a phone call regarding the old account. It is now reflecting on my credit report. My husband and I are trying to refinance our house and this is making it difficult. I spent 2 hours on the phone with Macys only to be shuffled around to XXXX different departments who couldnt and wouldnt help me. I was told to call the collections agency even after they admitted it was an error on their end. I am currently taking care of my grandmother who has XXXX and can not waste my time on the phone with collections agents especially when their is no error on my end. I need help dealing with this because I am getting the runaround and no one seems to know how to handle this. I have done nothing wrong other than trust that when I was issued a replacement card Macys would do their jobs correctly and provide me with my correct and current account information.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (FL)

in accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights 15 U.S.C 1681 section 602A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 1-XXXX XXXX XXXXXXXX - XX/XX/XXXX 2-XXXX XXXX  XXXX - XX/XX/XXXX 3XXXXXXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/2022 roughly XXXX XXXX XXXX XXXX stole my vehicle from in front of my home. After contacting BRIDGECREST I was informed they had contracted with XXXX XXXX XXXX and provided them with my personal and private information to enable XXXX XXXX XXXX to carry out and perform violations of transporting stolen property. 

BRIDGECREST or XXXX XXXX XXXX are not interested parties in my contract.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

When I was a XXXX in college, my identity was stolen and used to purchase properties with what the FBI called " straw mortgages '' by XXXX XXXX and XXXX XXXX. They did this to several people and you can google their names to read about the federal case. GMAC Mortgage was one of the mortgage lenders who gave me ( an XXXX year old working part time who claimed $ XXXX on her last tax returns ) a loan without properly verifying my identity or my ability to repay. After several years of fighting my case with both GMAC and the credit bureaus ( not to mention the thousands of dollars spent on my legal fees ) GMAC finally consented on XXXX XXXX, XXXX that this loan was not my responsibility and they would, " have the credit reporting amended and remove your involvment with the loan servicing activities. " Subsequently, they sold this loan to Ocwen Loan Servicing. Since then, I have been harrassed to pay off this debt. When I first discovered they were negatively reporting to the credit bureaus and mailing my parents threatening statements back in XX/XX/XXXX, I contacted the company and provided them my current address as well as all the documentation from GMAC stating that I was n't responsible for the mortgage. They removed the negative credit lines. Then in XX/XX/XXXX they started reporting negatively on my credit again. During this time period, they continued to mail statements to my parents address multiple times a year. Again, I contacted the comopany and provided my current last name, current address and verification that the trade line was n't mine. On XXXX XXXX, XXXX Ocwen sent me a letter confirming that they acknowledge the loan is not my responsiblity. This letter was sent to my correct last name and address. However, to this day my parents are still forwarding me bills and insurance statements mailed to the incorrect name to the incorrect address. Besides the fact that they 're mailing personal information to the wrong address after being provided the correct one, I do n't feel like I should still be receiving statements for this loan at all. It was not my responsiblity. I have nothing to do with this house or this loan. I was a victim of identity theft. It has been 11 years now and cost me thousands of dollars and I 'm still fighting this because mortgage lenders were too greedy to properly verify income or ability to repay so they gave an XXXX year old college student hundeds of thousands of dollars in a mortgage. 
I want my name to be removed from this loan file and I want any future correspondence to be mailed to the correct address.
Consumer complaint received 2019-02-28
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: EQUIFAX, INC. (NV)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX****
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

XXXX Report,XXXX when I went online to get a copy of my FREE rejport I put my information into the system several times without success, even thought I know for a fact that I put the information into the website correctly it would n't let access the information. I had to call a number which told me to To call a number and say my name and address, and it would be mailed to me in the next few weeks are you kidding? I need the information for something with my attorney. Then when it finally arrived I received a letter that said they are going to charge me {$8.00} for their error??? this was puzzling. This next thing is very important and needs Consumer Finance Govt. to look into why they are allowing this to happen when we are having such a FRAUD problem with reports all over the world ... 
XXXX This phone numbers have Absolutely nothing to do with the very sensitive information that is connected to our reports and should IMMEDIATELY be removed. When you call them the start telling you about gift cards and XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

On XX/XX/21, I stayed at the XXXX XXXX in XXXX, Oklahoma for two nights. On XX/XX/21 my Citi XXXX XXXX  was charged {$290.00} for the stay. In addition to my card being charged, I have had a hold on my credit card for {$350.00} since XX/XX/21. I called XXXX XXXX and they said they released the funds on their end and even checked to see if my card was double charged and they determined it was not. This hold of {$350.00} is going to prevent some of my regular monthly charges from going through on XX/XX/21 and will cause me to incur late fees. 

I called Citi and spoke with a Supervisor and they said they can not do anything about it and the hold will roll off in a month. They stated this is how they handle a lot of hotel vendors. I then tried to increase my credit line to cover the hold and they declined the credit card increase and did not provide a reason. Citi is gauging their customers once again. Do not get this credit card or a XXXX Membership!.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (UT)

LVNV FUNDING LLC never received any communication by mail from them. They are violating my rights by posting a negative account on my credit reports. I am actively working with the local police department as there has been identity theft that led to fraud on various credit card accounts.
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX XXXX my son leased a XXXX XXXX XXXX from a dealer in XXXX Fl. Because he was just starting his career they asked that I cosign the lease. My son put $ XXXX down and agreed to pay {$270.00} a month. On XXXX XXXX, XXXX my son passed away suddenly. On XXXX XXXX I spoke to Chrysler Capital and explained that my son had passed away. They asked for a death certificate which I sent along with all my contact information so they could send all correspondence to me going forward. I never heard from Chrysler Capital and on XXXX XXXX I stI 'll have not heard from them. However I have my credit monitored and the service sent me a notice that Chrysler Capital sent a late payment notice in to the credit bureaus which lowered my FICO score XXXX POINTS. I never got any notice or phone call nothing that there was a late payment due. I never heard from them by mail nothing. I contacted Chrysler Capital and they said they do n't have to notify me or invoice me nothing. Because I was the cosigner I am obligated regardless of the circumstances. My son never missed a payment for close to 20 months. He put $ XXXX down. I have paid the lease off, which if they had contacted me I would have done that day!! How can an organization like Chrysler Capital ruin the credit of a cosigner on a loan without giving them the opportunity make the payment or dispute the charges!!! How can the credit bureaus take what they say as the XXXX truth. Help..
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

LEXIS NEXIS A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. LEXISNEXIS REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX  BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO LEXISNEXIS UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX LEXISNEXIS HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX XXXX XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH LEXISNEXIS. 

LEXISNEXIS REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX XXXX TRUSTEE.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TX)

A year ago XXXX XXXX XXXX in XXXX TX tried to collect a debt they said I owed for an ambulance trip XXXX, of course Medicare had already taken care of it. XXXX finally sent me a letter that said XXXX had not contacted them anymore and they had restored my credit rating. This will be hard to believe!! They just sent me another dun in the same amount for the same XXXX trip that was a year ago. This time they even contacted me on the phone. I look them up on the internet and it seems they do this. They just sent me another letter today after I contacted them on the internet and told them I was reporting them.
Consumer complaint received 2017-07-19
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)

Analyzed credit report onXX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the XXXX XXXX XXXX. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that XXXX a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
Consumer complaint received 2016-10-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MD)

I filed a Chapter XXXX Bankruptcy on XXXX XXXX, XXXX which was subsequently discharged on on XXXX XXXX XXXX. Citimortgage possessed a junior lien, {$72000.00}, on my property that was subsequently stripped by the Chapter XXXX Bankruptcy Judge on XXXX XXXX, XXXX due to the property being upside down. The last payment on this account posted on XXXX/XXXX/XXXX. Throughout this ordeal, Citibank Bankruptcy reGoing further, Citibank accepted a payment in error of {$380.00} and was subsequently ordered to refund the payment as it was sent to the in error by the Chapter XXXX Trustee. This payment was credited as a returned payment on XXXX/XXXX/XXXX. Citimortage never received a payment after this date and per the order from the bankruptcy judge, their lien was removed from the property as the property was upside down in value. Citibank has reported the wrong amount owed as well as the last payment made to the XXXX major credit bureaus in an attempt to re-age the account. I have reached out to this company numerous times. They have refused to update their records. They are in fact violating the law as their claim was stripped and reporting the total amount of the debt to be approximately XXXX dollars which is inaccurate.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

City bank claims that I owe {$1600.00} on a XXXX Credit Card ending in XXXX. 
I have never received this card, I have not validated or registered it, OR used it by their own records.. 
Repeated attempts to find out where the charge was generated has failed. I have chosen to pay the card off, but I am sure they will attempt to extort more money from me in the future. 
I do have an active City Bank Card ending in # XXXX which is paid off monthly.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.