davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (ME)

I have submitted the request previously. Ally Financial was the loan company that financed the truck I purchased back in XXXX. I was very ill during the purchase and basically had no recollection of the purchase. I brought the truck back to the dealership because I could not afford what they had financed me for. Apparently they financed me for almost {$70000.00}. The sticker price of the truck was only {$56000.00}. They paid off my XXXX XXXX for {$13000.00} and tacked that onto my loan, financed me at 17.9 % and didn't give me any money for the XXXX. They in turn sold it for almost {$21000.00}. I would never agree to this kind of financing and do not know how I could get it being on XXXX. I am now reporting Ally Financial as they have given me a poor credit rating.
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

Good morning, Since XXXX I have been in communication with my mortgage as well as with the XXXX XXXX XXXX XXXX XXXX  ) department about the status of my payments. Since XX/XX/XXXX I was approved for the XXXX XXXX XXXX for XXXX future payments. The months of XXXX to XXXX with a little delay but were applied to my account with no issues. Since XXXX no XXXX  payment has been applied and when I contact XXXX  they tell me that they send the checks every month. They also told me that they send checks in large amounts since several accounts are included to be paid. I have contacted almost every day since XXXX ( almost XXXX  months ) loss mitigation, and they tell me that XXXX is having issue with the process of applying the payments also that the only things they can do is an escalation to the department that deals with applying payments as well as send a email to the XXXX department for more details. But unfortunately to this day I have only received the same response. 

XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX PM XXXX RE : XXXX Please be advised I have forwarded the borrower 's payment concerns to the business unit for review. I will follow up shortly to provide a status update. 

Have a great day. 


XXXX XXXX Thank youXXXX XXXX XXXX This is always the same. How in XXXX  months no one can get a solution and resolve this matter.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXXXXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. 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
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

In XXXX of the year XXXX  the Company CIT Financial repossessed a XXXX XXXX XXXX that I had financed through them, at that time I was unable to continue making payments on the truck due to the ongoing covid 19 epidemic. The issue with this is that when they came to take the truck they took the WRONG truck, They took a truck I had financed with another company ( XXXX XXXX ). I've been trying to work with CIT to resolve this issue, to date CIT has made no efforts to help resolve this problem. The truck they should have taken is still in my possession but I can not do anything with it, the truck has no title, I can not get new plates for it, this caused me to have to stop using this truck which at the time was the only running truck in my fleet, forcing me to shut my company down. I tried to work with the DMV to try to get the title for the truck that CIT wrongfully took and the DMV informed me that my truck had been registered in Ohio while I was still the legal owner, meaning someone forged papers to register my vehicle.
Consumer complaint received 2022-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian Boost is not reporting my rent payments. I have linked my XXXX XXXX XXXX XXXX account to the Experian online and I do not see my rent payments counting toward increasing my score. Experian has also discriminated against me for many years by not allowing me to access my credit report despite sending my information to them. Furthermore, due to Experian not correctly reporting my credit usage my credit score is low. If this is not remediated immediately I will pursue legal action. I have done everything to prove my identity and I was a victim of Identity theft by compromised XXXX XXXX XXXX XXXX as well as XXXX leaking my information to other people. My phone keeps getting spam messages from phony companies. IF this is not dealt with immediately I will pursue legal action.
Consumer complaint received 2022-01-13
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: SYNCHRONY FINANCIAL (LA)

My car was broken into with my purse and my kids information in it. And I was checking my credit score to try to purchase something and to find out I have all kind of false information on my report that I have no knowledge of.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

We locked our credit with all bureaus after the Equifax breach. We stored passwords from the other two bureaus and easily unlocked our credit while trying to buy a home. We did not have record of Equifax codes ( wondering if they snail mailed them the first time and we never received them ). After much time and labor, we reached them on the phone and qualified to unlock our own credit by having them snail mail us our passwords. The 5-10 business days during which they said our passwords would arrive has come and gone and we are not able to buy a home because of this. They caused the problem with the breach in the first place and now they are preventing us from buying a home.
Consumer complaint received 2022-07-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I lost my job back in XXXX. I contacted my mortgage service ( Dovenmuehle Mortgage ) at that time and applied for assistance with the loss mitigation department. I submitted all of the documents they requested multiple times an they still kept saying that I was incomplete. They sold my mortgage in the meantime and now the new mortgage company is saying that I have to start over again. I uploaded the documents, I emailed the documents and the last person I spoke to said that I had done everything that I needed to and they would get back to me. I do not have a job yet and am barely getting by and do not need this added stress. I feel like Dovenmuehle did this on purpose since they knew they were selling the mortgage. You can see by the dates and documents on the screenshot that they were indeed uploaded in their system and that I did everything they asked of me.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX I was selling furniture on XXXX XXXX. A potential buyer made an offer and wanted to pay by XXXX. They said they sent {$300.00} but I didn't receive it. I received an e-mail that said that the buyer needed to send another {$300.00} ( which I would refund ) in order to receive the money. They showed an e-mail that said they had done this. So, I sent {$300.00} from my checking account. I received another e-mail saying I needed to upgrade to a business account with {$700.00}. I sent that to another address from my XXXX account. Then I received another e-mail that I wouldn't receive the initial {$300.00} unless I sent {$2000.00}. I stopped and reported this to my bank, Bank of America.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Comenity systems have been down for weeks. I havent been able to make any payment with them because of this mess. Their phone lines dont work, easy pay doesnt work, their regular payment system doesnt work. They hit me with a late fee and have started blowing up my phone with suspicious phone numbers.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Experian Information Solutions Inc. (IN)

Experian digital checking account My debit card for my Experian account got hacked so we canceled the card requested a new card and I changed my phone number and email address for XXXX XXXX After trying to change the information on the Mobile app, which will not let you change both obviously because of security reasons I contacted experience department they said they would take care of it and it would take a couple days After four days, it had not been changed. I called back and I was told the person filled out the paperwork wrong, and the young lady supposedly corrected it and resubmitted. The paperwork said it would take a couple days again after four days it still had not been changed then I was informed that I needed to Fax my drivers license my Social Security card, a current bill and a copy of consumer cellular which I included login and password so they could verify the number is mine and the email is mine. It has been eight phone calls since then still nothing has been done. I have no access to my account I have no way of paying my rent. I have no way of getting gas or groceries and I keep getting the runaround every time someone tries to help they keep saying the person before them did the paperwork wrong when I do get someone that sounds like they know what theyre talking about. They put me on hold, and then the phone disconnects me and goes to the survey of my service. They say they have no supervisor they can transfer me to they keep telling me theyre unable to change it themselves and my frustration is extreme at this point that they have no way, or wont give me extensions or names of people that could help or the person that Im talking to just like theyre hiding from the issue. One person just laid the phone down as I was trying to explain to them what was happening I gave them my last two deposits, dates and amounts. I asked them to just transfer the money back to my checking account, but all I get is excuses why they cant do that I did finally get a new debit card which will allow me to buy little stuff but I have no access to cash. They obviously wont give me a pin number which is ridiculous to withdraw cash. My rent is due today, after Monday they will be a {$75.00} charge late charge XXXX dollars a day until I get them paid Im already late on three bills which will affect my credit rating and I dont know what to do with this point they are holding my money hostage. Please help.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BQ & Associates, P.C., L.L.O. (MO)

I received a letter on XX/XX/2018 from Brumbaugh and Quandahl law firm stating I owe the amount of {$12000.00}. I responded asking for verification of the alleged debt in accordance with the FCRA section 609 ( a ) 1. In the letter Brumbaugh and Quandahl listed the Original creditor as XXXX. I was very specific with my questions to know what the debt was for, and how they calculated the amount and who the original creditor was and whether they are license to collect in my state and for them to prove to me if the status of limitation has not expired on that debt. I wanted to know if I have, or had ever had any contractual obligation to pay. I demanded if I have a physical signed contract with them. On XX/XX/2018, they sent me a fraud affidavit form that I should fill. In their fraud affidavit form, they made it sound I was a fraud victim and requested a fraud form. I clearly refused to fill the form because I never requested such form. I requested for proof of alleged debt. Why should I accept an allegation as facts. I was clear about what I requested. I wanted to know what right they have to demand for such debt. Again, I demanded for a sign contract from them as to how they arrived at that amount and gave them 15 days to responds as I have earlier given them 30 days before or they should delete my details from their account. This time they have the original creditor as XXXX. I noticed the inconsistency of who the original creditor is. I am waiting for the response to their letter or proof of the alleged debt.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I took a home loan from RBFCU bank, Loan Account number XXXX at a APR of 5.125 % and I have been making payments in advance + making part prepayments when available. However there is a systemic issue with RBFCU payment processing system and I have tried to explain this to their representatives multiple times. Whenever i make a payment in advance it moves the next payment due date however it still deducts interest for future month today. For Eg : - I made two payments for my home loan in the month of XX/XX/2024 for {$4200.00} and it moved my next payment due date to XXXX however still charged me interest for XXXX, XXXX  even if it has not occured. How can a bank charge me interest for a future month today which has even occured. I have told their representatives multiple times that your system is charging interest for future months, however they are not listening to me.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

I contacted Navient about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

XXXX inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (NJ)

I requested a payoff from Upgrade. They provided the amount and I set it up on their site. The funds were posted and they confirmed the account was paid in full. The very next day, they took another installment of {$1000.00} despite the fact that the account was already paid in full. I reached out to the company. They acknowledged the error but insisted that I would have to wait ten days before they would process a refund for the credit balance they took without my authorization. They hesitated to put on a supervisor but finally did. I spoke with a supervisor and was told the same thing. When I insisted that I should not be penalized for their acknowledged error, I was hung up on!! The payment history is attached from Upgrade itself.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I am writing to file a complaint against [ TRANSWORLD SYSTEM INC ] on the consumer finance website. The complaint is related to a debt that I do not believe is valid and the collection activities of the company have caused me significant distress and frustration. 

The alleged debt in question is related to a rental car toll notice that was opened in my name. The agreement was opened with [ XXXX XXXX XXXX XXXX XXXX XXXX and had a charge of $ [ {$5.00} ] ( original amount ). I do not dispute this account, but I dispute the amount of the debt that is being claimed by [ TRANSWORLD SYSTEMS INC ]. The amount being claimed by [ TRANSWORLD SYSTEMS INC ] is $ [ {$110.00} ], which is significantly higher than the amount that I believe I owe. 

I first became aware of the alleged debt in [ XXXX XXXX XXXX XXXX XXXX, XXXX  ] when I received a letter from [ XXXX XXXX XXXX XXXX XXXX ] stating that I owed $ [ XXXX ]. I immediately contacted [ XXXX XXXX ] to request more information about the debt and to request validation of the debt. I provided [ XXXX XXXX ] with a written request for validation of the debt on [ XX/XX/XXXX  ], but I did not receive any response from [ XXXXXXXX XXXX XXXX  ]. 

Despite my request for validation of the debt, I continued to receive frequent calls and letters from [ TRANSWORLD SYSTEMS INC ]. The representatives of the company were often aggressive and threatening in their communication with me, which caused me significant distress and XXXX. I attempted to explain my concerns to the representatives of the company, but they were dismissive of my concerns and did not provide me with any additional information or assistance. 

I also attempted to contact [ XXXX XXXX XXXX XXXX to obtain more information about the alleged debt, but they were unable to provide me with any additional information as the account had been sold to [ TRANSWORLD SYSTEMS INC ] . 

I am filing this complaint to request that [ TRANSWORLD SYSTEMS INC ] provide me with validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I would like to request that [ TRANSWORLD SYSTEMS INC ] provide me with the following information : The amount of the debt and how it was calculated The name and address of the original creditor A copy of the agreement with my signature Proof that [ TRANSWORLD SYSTEMS INC LLC ] is authorized to collect this debt I would also like to request that [ TRANSWORLD SYSTEMS INC LLC ] cease all collection activities until such time as they have provided me with the requested validation. 

I would appreciate a response to this complaint within 30 days of your receipt of this letter. If I do not receive a response within this time frame, I will consider this debt to be invalid and unenforceable.
Consumer complaint received 2020-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC (FL)

I have called this company, CKS PRIME INVESTMENTS XXXX and I don't know who they are and what they have allegedly lent to me. From what I can see, they are a debt collector and not a creditor. They do not have a license to provide credit and I do not recall ever having received credit from them. They have not provided debt validation according to the Fair Debt Collection Practices Act or the Florida Consumer Collection Practices Act. They are extorting me by appearing on my credit report as a creditor that I have not paid. I do not know this company and they need to remove themselves from my credit report. They are impeding my home buying by reducing my credit score. Due to the low score, I will have to buy my rate and that will cost me extra money at the closing table. I demand that they prove that I have a contract with them and that they have lent me money. If they can not, I demand that they delete this fraudulent account from my credit report.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lela Mae Portfolio Management Group (TX)

I don't know who this Company is Lela Mae Group, telephone number is XXXX from XXXX XXXX. I don't know why they are constantly contacting me. I have asked this collection company sometime long time ago to cease all communication with me, by email, phone and mail. They are sending threats to my email if I don't reply within 3 days they will take actions towards me.