davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NJ)

I called Ally Auto regarding my XXXX XXXX XXXX refinance as a used vehicle on or approximately XX/XX/XXXX to state I could not access the mobile Ally App which I have used since the beginning of my loan. I can not access Ally to confirm the initial date of my loan but I have not had any issues until Ally Auto stated they upgraded their mobile APP and several customers were having issues accessing to pay bill, etc. 
After several attempts over several days and long wait times and language barriers, which included trying to use my personal computer, i.e. Desktop vs the mobile APP and being to I was locked out ; I reach a person that assured me that my issue would be resolved. On XXXX I was given a Ticket # XXXX and was advised someone would reach out to me via my cell # ( XXXX ) which I provided. The issue was never fixed, no one ever reached out to me. On XXXX @ XXXX XXXX ET ( Confirmation # XXXX ) I paid {$650.00} USD plus a fee to use the phone services which was provided when I called the ALLY # XXXX. 
On XXXX after waiting on hold for unreasonable amount of time and language barriers of the representatives and conversing back and forth requesting a supervisor, IT or someone in charge, I was transferred to someone that said they were a ALLY Tech and my issue would be resolved. I was provided a Ticket # ( Reference # ) XXXX. I was told by end of business the next day ( XXXX ) my issue would be resolved. My issue is not resolved. I have tried several times to gain access to ALLY Auto and to no avail I am still unable to pay a bill. 
At this time I want ALLY Auto to just wipe my debt free and let me be gone of their terrible services. They are hiring representatives in another country but taking consumers money that live in the USA. This is outrageous should be illegal. I want nothing to do with ALLY period! I have no money as it is and asking me to pay extra money to pay a bill and all the stress dealing with the mess is enough to say ALLY Auto owes ME! Please help me! Thank you.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NH)

XXXX XXXX my wifes car was wrecked. We had financed it through Ally the prior month and made one payment. First, they received a check from XXXX XXXX XXXX, which Ally improperly endorsed. Ally improperly processed this payment and resulted in a returned payment to the insurance company. The insurance sent out a replacement check, and before ally received it they fixed the issue on their end and processed the original payment.. this raises a red flag with insurance who issued a stop payment on both checks. A third check was finally processed correctly. In the mean time I contacted our gap insurance and went through the process. A check was provided to ally on XX/XX/XXXX from the gap insurance company. Our account reflected paid in full. Fast forward 35 days, we get a notice that we owe {$770.00} again ( the amount of the gap coverage ). I contacted ally who stated that they never got a gap check despite our account saying paid in full last month. I contacted the gap company who says the check was provided on XX/XX/XXXX. In the mean time this whole problem which ally had caused has cost my credit score XXXX points and my wifes over XXXX. This attempt to fix this is the final attempt before filing a lawsuit. The credit impact has cost us being able to buy the home that we were in the process of buying, has prevented us from acquiring another vehicle and caused endless pain and suffering
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.

Consumer disputes this account information Collection account
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.

Consumer disputes this account information Collection account
Consumer complaint received 2024-08-04
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: OneMain Finance Corporation (NY)

I never authorized XXXX XXXX to run my credit for a vehicle all the vehicles that Ive owned in the past or present. Ive always went to my credit union for that long. Ive reached out to XXXX XXXX to see if they can send me a purchase agreement or any information, showing proof of me allowing them to run my credit and they have not yet
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have identified information on my credit report that does not belong to me and was not created by me. the identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I submitted a complaint to receive an application for the XXXX XXXX XXXX. I qualified for an application, however, was just sent a denial letter with no explanation on why I did not qualify. 

Not only was another XXXX my loans from Navient, from the same school and same XXXX XXXX, part of the XXXX settlement, I provided email evidence of how the school presented XXXX XXXX as the preferred lender to their students when applying for financial aid through the XXXX XXXX employees. 

I do not see how my loan would qualify for the XXXX settlement, and this one not be granted relief through borrower defense. 

The only reason this loan was not part of the XXXX settlement is because I had a co-signor and based on the XXXX terms, my loan did not qualify due to the CO-SIGNORS XXXX XXXX. However, Navient allowed the CO-Signor to be waived by paying $ XXXX towards this loan to have his name removed from the loan. Navient made this decision despite the proof of income I showed as a single mother. 

So, XXXX XXXX and XXXX XXXX allowed a loan to be taken out only because of a co-signor, and because of that co-signor the loan was not part of the XXXX XXXX, but not the co-signor is removed, which was the only reason it did not qualify for the settlement. Because all other claims in that lawsuit were for preferred lender status and giving our subprime loans knowing the borrowers could not afford to repay those loans. 

If my borrower defense application is being denied solely because the co-signor just paid $ XXXX and they would need to return those funds, I am asking for an investigation.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank XXXX charge {$29.00} today XXXX ; String of Frauds to my Citibank account My account should be XXXX this morning XXXX and {$29.00} are again missing from account Account this morning available balance : {$770.00} Please find the {$29.00} money missing. 

Another theft was committed on XXXX in the the amount of {$14.00}. 

Read below : FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank Dispute charge {$14.00} For a " Scammers Be Careful! '' The purchase was completed without my authorization. Citibank offered to reimburse, but only if I cancel my card and reorder a new one. At the moment, I CAN NOT do so as I am in transit to work today XXXX. Apparently, the Fraud was completed on XXXX If you can, please refund my account without canceling my card. I will update PIN information. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. Auto Credit Corporation (FL)

This account isnt mine but has been reported on my credit report. I do not own a vehicle from this company. The amount of debt posted is {$5900.00}. I am not aware of this account nor the amount owed. I did not give this company any consent to reporting this information to my credit report. My information was involved in identity theft.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (MA)

Dear XXXX XXXX XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (CA)

My automobile was repossessed by XXXX ( towing company ) on behalf of Westlake Financial for payments in arrears. The finance company, Westlake Financial and I came to a resolution in which I was to pay an amount as reinstatement. The requested amount was paid and received by the finance company. Westlake Financial customer service department informed me that it will take XXXX to XXXX our for a RELEASE to be issue and that the car was at the XXXX facility, and they will be sending the release to then. Westlake Financial gave me a telephone number for me to set an appointment to retrieve the automobile. The telephone number only instruct the callers a website to set the appointment. I tried to set the appointment but the site states that the vin number of my car did not allow for a online appointment, to call them to set it. I called WLF the lender for another number since the one they provided did not allow for a human conversation, they responded that the number that I was given was the only number that they had. I was left with no option to arrange for the appointment. Approximately 6 days later and dozens of calls with countless minutes with different WLF representatives I was informed that the car was move to a different location to be sold and that I must call and set the appointment, telephone number was provided by the financial institution. For XXXX days I called and was informed by XXXX that the car was not there and that I should inform the financial company, which I did. They claimed that the car should be there and that a released was already issue to them, I called XXXX and finally they acknowledge receiving the car but the release was not received. XXXX after the relea arrived and appointment was set for the retrieval. After inspection of the automobile, I notice that the car was missing engine parts including the original XXXX battery, and some of the parts removed were placed on the passenger front seat. The interior of the car is of light beige leather and I founded stain with what appears to be oil from the parts seating on top of them. The cable that opens the trunk in the event of emergency was cut and placed over the seat as well. The windows of the car were left open at the XXXX facility in the desert ( XXXX ) and the car is full of desert sand, some of it has infiltrated the electrical switches of the windows. The XXXX XXXX XXXX XXXX department suggested that are to be remove and clean or to be replace, failure to do so potentially cause electrical shorts. 
All that I asked is the car be return to me in the order an ] XXXX when they removed it. 
Best Regards XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Re ; Citibank N.A. 
Flaws in interest rates ( over charge ) havent received check. First notified in XX/XX/2019, second time in XX/XX/2019 Have not received check and have called numerous times ( more than 6times ) and been told check hasnt been cashed and re-issued new check.Never received talked to : XXXX, XXXX, and XXXX to no avail
Consumer complaint received 2024-08-02
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I sent a letter to a company on my credit report called Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, the letter was returned, and I contacted the number ( XXXX ) XXXX they stated that they are called XXXX I signed this contract in XXXX and they have all incorrect information about how much I owe and the dates, I have spoke with them and they can not help me they are a debt company that bought my personal information. I need this removed of my credit I want to buy a home for my children and I. 
XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Recovery Services, Inc. (PA)

These accounts need to be removed and deleted off my credit reports immediately. It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being. If not removed, Ill have no choice but to sue for multiple violations under the FCRA and FDCPA in which under 15 USC 1692k civil liability will be in affect.
Consumer complaint received 2024-08-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Co LLC (TX)

On XX/XX/year> Debt CO collections reported a fraudulent debt on my credit report from a fraudulent company doing business in XXXX called XXXX XXXX XXXX. This car dealership sold me a defective vehicle and from the first month of ownership I experienced issues after issues. At time the car would not even start. I was fraudulently sold a lemon car and there is laws against such sales. I disputed and requested for validation of the debt and proof of amounts. Till today they have not sent me any communication in regards to such debt and they keep updating the report to have a negative effect on my credit report. The company they claim they are collecting the debt for is under investigation with the Texas Attorney general for fraudulent business practices and there are several lawsuits against said company. They were able to change business names and yet operate negligently hence why the CFPB needs to investigate this business and the credit collections they are working with as both are operating very fraudulently. If they did not purchase the debt then why should they be allowed to intimidate consumers and demand payments be made to them?
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc. (NC)

On XX/XX/XXXX I received a letter in the mail from SWRS regarding a matter that came to their office. On XX/XX/XXXX I received my first email from SWRS, I then received another email on XX/XX/XXXX stating my account was eligible for credit reporting. On XX/XX/XXXX I responded requesting documentation and proof of debt and requested for them not to contact me until I received documentation. 
I never received any response to my dispute or the proof of debt I was requesting. 
Today XX/XX/XXXX, I received FOUR separate emails from 2 of their staff members stating this has been credit reported! All at the same time. One from a XXXX XXXX and 3 from a XXXX XXXX.
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (CA)

I received a notice in the mail from RentDebt Automated Collections on behalf of XXXX XXXX XXXX in XXXX of XXXX stating that I owed {$170.00}. On XX/XX/XXXX, I requested an itemized list of charges via email and had gotten no response as of XX/XX/XXXX so I sent a follow up email on that day. Again no response to the email. However, I received a letter with an itemized ledger supplied by XXXX XXXX, on behalf of RentDebt and XXXX XXXX dated XX/XX/XXXX. The ledger clearly shows a XXXX balance. I emailed RentDebt on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for an update and requested the false debt be removed from my account, but it is now XX/XX/XXXX and the supposed debt continues to come up on a credit report, hindering my ability to get a new apartment. Additionally, when I first received the notice from RentDebXXXX, another notice arrived, addressed to the person who had cosigned my original lease agreement with XXXX XXXX in XXXX of XXXX. As I am no longer in contact with that person, and had no contact number or forwarding address, I returned the notice to the mailbox with " not at this address. '' So I do not know if they are aware of the situation.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I applied for car loan in XX/XX/2019, my report shows serious delinquency from XXXX. Also my credit monitor on navy federal credit union also shows serious delinquency on XXXX. I have not been delinquent in any of my loans and no company has called my or sent any letter that i am delinquent. My XXXX fax does not show any delinquency and i wonder why that report is in my account why i do a credit check
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RentDebt Automated Collections, LLC (TX)

I'm writing to confer my anxiety as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.