davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IN)

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. i ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete the payment history on this account to prove that the amount you wish to collect is correct I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ALCOVA MORTGAGE LLC (CO)

I have reached out for months to try and get a differal on my mortgage since I lost my job and was going to have to move from XXXX to XXXX they never gave me any information and said I had to be over 3 months delinquent before they would even consider giving me an application for any assistance. So I then tried for months to get the loss mitigation packet to start the application for a deed-in-lieu of foreclosure. I was then told I cant cause Im not 3 months delinquent. They are purposely pushing me into financial hardship
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX BANK XXXX XXXX
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (DE)

Company did not tell me where the car was, how I could redeem it, how much I actually have to pay. 
Company did not send letter of deficiency telling me how much the car sold for at auction and what is owned on the car.
Consumer complaint received 2024-01-24
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. (PA)

My personal info was subject to identity theft in which multiple items showed up on my credit report between the years of XXXX. These items are listed in my ftc report which I uploaded wihh the a copy of my ID and copy of section 605b.
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT. I AM REQUESTING THESE XXXX INQUIRIES BE BLOCKED AND REMOVED TO CORRECT MY CREDIT REPORT. MY INFORMATION WAS STOLEN. MY IDENTITY HAS BEEN USED WITHOUT MY KNOWLEDGE. DUE TO MY IDENTITY BEING STOLEN, UNIDENTIFIED INQUIRIES ARE ON MY ACCOUNT. BLOCK AND REMOVE THE FOLLOWING INQUIRIES 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 2024-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I deposited the paycheck through the Ally bank XXXX XXXX  on XX/XX/XXXX. I received XXXX acknowledgment from Ally of this deposit. However, on XX/XX/year> I received an alert on my account saying that {$390.00} was debited from my account. I never received any communication from Ally bank regarding this, rather I just got an alert, which I had set up to notify me of any withdrawals larger than XXXX dollar from my account. I called Ally bank to find out what this was about and was told that they withdrew funds from my account because the check had been deposited at another bank on XX/XX/year>. This was a check that I retain in my possession. After many phone calls back-and-forth bank reported that whoever deposited the check on XX/XX/XXXX did so through a XXXX XXXX as well. I emailed back-and-forth many times with the company that issued the check, and they confirmed, with photocopies of the front and back of my check, that this was deposited via the Ally XXXX bank, by me on XX/XX/XXXX. They also sent me their bank statement, from XXXX XXXX XXXX XXXX, showing from XX/XX/XXXX through XX/XX/XXXX the only funds that were withdrawn based on this check were the ones that were deposited into my account on XX/XX/XXXX. I filed a police report on XX/XX/XXXX with the town of XXXX. I also went to XXXX XXXX XXXX XXXX on XX/XX/year>. Vice president, senior bank manager confirmed that the only funds withdrawn from the company that issued the check were the funds that were deposited into my account on XX/XX/XXXX. There was no second attempt at withdrawing funds. While at XXXX XXXX XXXX I placed a call to Ally bank. The XXXX XXXX XXXX manager was on the call as well. A person calling himself, XXXX, and explaining that he was in a leadership position, was unable to give us any additional information and was unable to supply any proof of any communication from the XXXX XXXX, that they had noted that the check was deposited twice. When I asked this XXXX for a reference number for the call/ interaction he hung up. Several other of my phone calls to Ally bank were also routed to someone claiming to be named XXXX and also reporting to be in a leadership position. Despite multiple phone calls to Ally bank, and despite XXXX  confirmation from AllyBank that they had received a copy of the statement I forwarded to them from the company that wrote the check, I have not had any resolution or any further written communication from Ally bank. The full amount of the check, {$390.00}, as well as interest earned in XXXX and XXXX, was withdrawn by Ally bank from my account on XX/XX/XXXX and have not yet been returned.
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not recognize the following inquiries on my credit report : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (MS)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by t-mobile rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

I noticed over the last 6 months that the interest earned on my Ally Bank savings account fluctuates up and down each month. This account is my emergency savings account and I have never needed to withdraw money from it. The balance only increases each month due to an automatic contribution/deposit and the earned interest. So I was surprised that the interest earned sometimes went down from the previous month. When I looked at my other savings accounts that I never withdraw money from that are with other banks/credit union , I noticed the interest earned per month only increased each month and never decreased. So I questioned Ally Bank about this and all they did was provide the interest calculation formula and tell me my interest values are correct. Intuitively it doesnt make sense interest would decrease some months even when factoring in the shorter months due to my balance.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX Last reported XX/XX/2023 {$830.00} Reported balance This account is fraudulent an was removed from my credit report due to identity theft an the company added it back it's fraudulent
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I set up payment I pay them ever other week to try get catch up but I can't paid on the date they want be to they have me box in where I almost can't pay them i do make the payment soon as two days of my paday when I am onedat late they call you i talk to them i explain i can't pay on that day i talk to me so rud and uly and they love make threat to pick up my truck i am doing all i can paying what I can ever two weeks that not eought for them like said the is so bad at time I want sue .I am very tide of the theating me the truck price is to much for year any way XXXX XXXX XXXX XXXX  they told me if keep paying two days late they was to come get it if I don't have XXXX up front the truck is not XXXX much my number XXXX XXXX XXXX Thanks
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (FL)

My employer received a wage with holding document to garnish my wages. There is no court order for this garnishment and there is no debt owed and the credit bureau Experian will not remove this from the consumer report.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Savings account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

I initially reached out to Barclays Bank on XX/XX/year> to notify them of my identity theft issue. After explaining the situation the bank checked the account in question and determined that it was fraudulent. They informed me that they were closing the account. I was told by the bank representative that they could not provide that information to me. However, I was told that they would send it to the credit bureaus within 90 days. I followed up with the bank on XX/XX/year> and was then told something different. This time I was told that they dont report that information to anyone. I then asked to speak with a manager. I received voice messages on XX/XX/year> and XX/XX/year>. I called back on XX/XX/year> stating that I was returning a phone call from a manager. However, I was told that I could not speak with a manager. As a result, the loan company XXXX XXXX XXXX has now started reporting a negative item on my credit report. I have also been in contact with XXXX asking them to contact the Bank directly. Most recently I followed up with XXXX on XX/XX/year> to try to get this resolved. I requested that they contact Barclays Bank directly for their investigation. I was told that someone would call me back within 24-48 hours. I have not heard back from them and now my credit report is being negatively impacted. I also filed an identity theft report with the FTC on XX/XX/year> ( attached ).
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (UT)

When simple banking was still open and before they hit sold to the XXXX bank I had closed my account and they were supposed to had sent me a cashier 's check for the amount that was in the bank I never received this check I have notified them several times it's been a couple of years to reissue a new check and yet they haven't done it I want the money from the account it was about {$210.00}
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX IN XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (KS)

The XX/XX/year> payment was made on XX/XX/year> in the amount $ XXXX principle {$380.00} and {$550.00}. 


The XX/XX/year> payment was made On XX/XX/year> in the amount $ XXXX principle {$420.00} and interest {$510.00}. 




We are asking in this case Wells Fargo Financial Mortgage give us back the additional interest money that they charged us in the amount of {$650.00} for XX/XX/year> through XX/XX/year> when the loan was paid off by XXXX XXXX. Also, we are requesting the principle and interest money that was paid for XX/XX/year> through XX/XX/year> 2024
Consumer complaint received 2024-01-24
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. (MI)

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct XXXX XXXX opened XX/XX/XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed. 
FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Consumer complaint received 2024-08-06
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXDEPT OF ED : # XXXX 15 U.S.C. 1681 Section 602 A. States I have rights to privacy.

15 U.S.C. 1681 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 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 with antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (NY)

Social XXXX on experian the late payment from selene finance supposed to be removed from my account XXXX i sent documentation to experian lettered head from XXXX XXXX dated XXXX XXXX and XX/XX/XXXX and XXXX XXXXXXXX to removed lates payments
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (OH)

As an authorized agent for XXXX XXXX XXXX XXXX, I am concerned about the negative accounts showing on my business credit profile through your company with EIN number XXXX. After thorough review, it has come to my attention that these accounts are not being accurately reported. I am requesting to dispute these accounts and have them removed from my profile. They have already been removed from XXXX XXXX XXXX XXXX business credit, and I kindly ask for your cooperation in updating your records to reflect my business credit report as paid and up to date. I urge you to remove all delinquent or collection accounts from my profile and I thank you for your prompt attention to this matter. 
remove XXXX remove XXXX remove XXXX XXXX