davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MI)

My business has declined in the last two months, XXXX of my business accounts have been overdrawn for a couple weeks I spoke to a banker over the phone and explained my situation to them and gave them a date when I can bring the account current. My other business account with them had only {$1400.00} they withdrew money out of that account and put the money in the account that is negative, now both accounts are negative. All the money the business had was pulled out. Not only will I start being charged for the account that was already but now I have XXXX accounts negative. I understand they can offset an account but how can they offset the account and bring both accounts in the negative?
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After terminating service with trash collector they are trying to collect a payment in advance. Years of monthly service and payments, the payment of 3 months in advance was demanded, therefor service was terminated. Now this has been sold to a collection agency a year or more later. Documents destroyed due to frustration with vendor.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I believe that my Lender has wrongfully foreclosed on my property. My loan was audited, and it was determined that it fell under the predatory loan. Although we hired an Attorney to fight the foreclosure, in the end the Lender was able to get a foreclosure Judgement. I believe that the Lender did not have the original note. Additionally, we made several request for a loan modification, and was told that we did not qualify for Hamp because our loan was a private investor loan. ( investor being XXXX XXXX ) The Lender forced placed insurance which is 5 times more that what we were paying on the original loan. which makes it very hard to afford any type of payment. I am hoping that something can be done to help us keep our home. We have gross income of {$8600.00}, per month, our home is worth approx. XXXX, our loan amount is currently at {$560000.00}. Please help, we have a sale date of XXXX XXXX 2015. We have exhausted every avenue and do n't know where to turn to. We would consider any offer from the lender to remedy the situation rather than foreclose. Please HELP.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX 's, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Trans Union - learned about FCRA XXXX and sent on XXXX XXXX to block. Trans Union refuses to block and instead said all they would do is to re-investigate with the creditors.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I have been in contact with XXXX over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with 4 different supervisors and I have been told that this information would be mailed to me within 7-10 business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern : I respectfully request a credit freeze on my credit file. My name is XXXX I am victim of identity theft and have attached a copy of the investigative report from my local law enforcement agency. Per the laws of the state of OHIO, I do not have to render a fee for the aforementioned freeze request. There is a XXXX account that someone tried to apply for that I never authorized or applied for Please delete the inquiry from my Credit Report it is Fraud. 

My current address is : XXXX, OH XXXX My Social Security number is : XXXX My DOB is : XXXX
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion report issued date : XXXX/XXXX/XXXX, file number XXXX. Logged in at XXXX on XXXX/XXXX/XXXX, and the accounts listed below are still being reported. According, to the aforementioned report, the items were supposed to be deleted in XXXX. 
Collection Account : 1. ) XXXX XXXX XXXX Remove- listed in duplicate on report, this is already listed/assigned to a new agency- XXXX. 
2. ) XXXX XXXX XXXX XXXX supposed to be removed XXXX 3. ) XXXX XXXX {$6100.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 4. ) XXXX XXXX {$22000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 5. ) XXXX XXXX {$26000.00} ( opened XXXX/XXXX/XXXX ) - supposed to removed XXXX 6. ) XXXX XXXX {$40000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 7. ) XXXX XXXX {$39000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. 
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct XXXX
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Hard credit inquires were removed from my TransUnion credit report without notification by email, telephone or standard mail and placed back on my credit report without any notification ( example email, telephone or standard mail ). This caused an adverse affect to my credit score. Please notify me of the steps I need to take in order to get this matter taken care of. Thank you for your assistance in this matter.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX and this month in XXXX I could not get my free credit report. I was only able to get it after filing a CFPB complaint last year. So I will cut to the XXXX and do it again,. This is a violation of the FRCA.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In my letter dated XXXX/XXXX/2015, I disputed a Judgement on my Trans Union report. I received notice XXXX/XXXX/2015 that it was deleted from my report. 2 days later it was re-inserted back on my report. I have contacted the court listed and they have no judgement rendered under my name! I want this DELETED from my report!
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received notice from TransUnion yesterday by mail that there had been an unauthorized access to my credit file. When I called them, I learned that someone had requested my credit report on line and TransUnion released it to them. They only discovered it as a fraud when the credit card used to pay for the report was rejected by the card company. Ap- p- parently the report was released before payment was confirmed. Aside from offering to place a fraud alert on my account, TransUnion offers no other help in dealing with this problem. They would be willing to put a freeze on my credit report, if I will pay for it. My complaint is that they expose my information and then take no responsibility for the consequen- ces. I believe they should provide more support, at no cost to me.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NC)

I have been making my payments on time to Roundpoint Mortgage Servicing Corporation since they purchased my loan from XXXX. I made an extra half payment in XXXX. Since XXXX they have not figured out how to apply my payments. They keep sending statements saying I have not paid and keep charging me late fees. I have to keep calling in every month to get this corrected. It also took over six months to change my homeowners insurance with them. I am sure they have reported my " late '' payments to the credit bureaus.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (PA)

I was recently offered a work from home position XXXX XXXX XXXX  I was forced to deposit checks into my bank account and transfer them via XXXX XXXX to obtain my home work equipment. This total transaction was {$13000.00}. I am now responsible for the fake money that went through my account by the scammer by the name of XXXX XXXX. I need help to get my funds back as this has taken everything from my family and we are now unable to survive.
Consumer complaint received 2023-07-28
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2016-02-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MI)

ProCollect, Inc. has been trying to collect on a medical debt that I believed was paid by my employer XXXX in XXXX. I have never been contacted about this debt until late in XXXX by ProCollect. I have had continual communication issues ( they repeatedly call and harass me and have threatened legal action. There have been times I have tried to contact them just to negotiate a payment to get rid of them, they tell me they can not locate my file in their system and can not help me. I just received a letter in XXXX XXXX offering to settle the debt for half the amount ( {$320.00} ), so I made a payment online just to get rid of them, but that payment never went through, and when I called to verify the payment was made, all I received was voicemail. I received an email verification the payment was processed with no information other than the payment amount. Now I am worried I may be a victim of some fraudulent scheme.
Consumer complaint received 2016-03-22
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TCF NATIONAL BANK (FL)

Over the past several months beginning in XXXX Gateway One Lending and Finance has been making repeated harassing phone calls to me. I had spoken to a representative informing him I was in the process of moving because of my husband 's car accident. I informed the representative I was actively looking for employment, however my next payment would be late. Once I became employed in XX/XX/XXXX, I again contacted gateway one, this time informing them I had become employed, however I would not not be able to make a payment until XX/XX/XXXX as the employer held the first to weeks that would be made available XXXX I left the job. I was instructed to make the payment via XXXX once I got paid as the payment was already late, to which I agreed. As agreed upon I made a payment to Gateway one on XXXX/XXXX/XXXX. However, gate way one although telling me to make the payment via XXXX proceeded to try and withdraw the monies from my bank account without my consent. I have never had my car payments automatically withdrawn from my account, but when paid online ( which occurred seldomly ) I would elect one time payment. Although the site insists the information is not stored it had been and my account had been illegally accessed by Gateway forcing it to close as I had not monies in that account. Gateway one insisted I had given a representative permission to withdraw the monies from my account and the conversation had been recorded. When I asked to hear the recording or receive a copy I was told I needed a court order. For several months I have been receiving aggressive and harassing phone calls from Gateway, multiple times a day. I was even receiving calls at work although the payments were being made. I requested several times that Gateway refrain from contacting me and my employer, however the calls continue. My position was later eliminated and I spoke with XXXX XXXX a Manager at Gateway One informing him I was actively seeking employment. He informed me I needed to make a payment, which I told him I would be trying to borrow the monies to make the payment on XXXX/XXXX/XXXX ( I was able to borrow the monies and make the payment ). I reminded him I had requested the telephone calls stop as I was engaging in job interviews and although my phone was on vibrate, representatives continued to call during the interview. Gate way one representatives have also come to home, and began calling my sister ( XXXX/XXXX/XXXX ) insisting that I had given them the ok to reach out to her and discuss sensitive information. I have never given representatives my sisters number and want to know how the number was obtained. I would like some intervention with this company as their behaviors and tactics have escalated far beyond simple debt collection, but intentional, manipulative, embarrassing, and aggressive harassment.
Consumer complaint received 2023-07-28
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2015-07-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: M&S Recovery Solutions (NJ)

This company is trying to ruin my life. They call and threaten me all day, and for the past month, have been calling ALL of my family members up the entire XXXX XXXX. They will NOT validate debt ( If there is even a debt ), so I have no idea what they want. The harassment is getting so bad that I am seeking legal counsel next week. I just want them to stop calling my family and validate whatever debt they think I owe them. I did a complete debt consolidation two months ago so I have no idea what they want. They use threats and unethical practices and I have no idea how they are still in business. I am horrified by this company and what they do to people.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (IL)

My taxes and insurance has n't changed much at all over the years. However, my payment changes significantly every time their is an escrow analysis. Having a $ XXXX {$400.00} jump in the monthly payment is not insignificant and causes a change in lifestyle. It is frustrating to deal with Round Point Mortgage. They ca n't figure out the right amount.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CO)

Upon reviewing my credit reports in XXXX of 2014. I noticed that Enhanced Recovery Corporation had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the first I have ever heard of this debt. On XXXX XXXX, 2014 I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. I never received anything.I then requested it again on XXXX/XXXX/2014 and still no proof of debt provided. I disputed directly with credit bureaus and they came back as verified. I sent another request to Enhanced Recovery Corporation again on XXXX XXXX, 2014. They have failed several times to provide me anything under FDCPA. However they continue to report inaccurate information on my credit reports to this day. I am demanding they comply with FDCPA and remove this from credit reports. They have had now 7 months to comply and have ignored not only my requests, but the FDCPA.
Consumer complaint received 2016-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WV)

they claim I owe XXXX XXXX dollars I called XXXX and they said XXXX lady 's XXXX of XXXX and XXXX of XXXX my account with my password which was my XXXX name after I filed bankruptcy which they were to have closes XX/XX/XXXX when I filed, but fell though the loops, the XXXX lady used to rent off of me in XX/XX/XXXX/XX/XX/XXXX so of course she new my only XXXX name is the only way I can explain I told them to go get them for fraud and never heard from them again until I seen on my credit rerport