davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (IL)

In XXXX I was being harassed about an account I had no knowledge or applied for. XXXX acussed me of applying for an alarm security system. I have disputed false account and collection was removed from my credit report. XXXX used four different collection agencies and derogatory mark was removed findings as fraud. I submitted police report of fraud along with a copy of the application and bank account used for this account from XXXX to credit bureaus. Now, XX/XX/XXXX XXXX using Zions Debt Holdings to put the derogatory mark on my credit withXXXX. I am disputing again. On the application the heading is XXXX. I assumed XXXX is the new owner of XXXX. I did submit documents to the Office of Inspector General asking for help and/or suggestions to end this fraudulent application/contract that I AM NOT RESPONSIBLE FOR AND THIS IS NOT MY DEBT. I have contacted all collection agencies and submitted police reports and what XXXX sent me. I will send Zions Debt Holding the same documents proving this is NOT my debt. I requested an investigation on the agent name listed and signature in the documents but as of this day no response. I did followed up with collections agencies, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX only XXXX responded as case dismissed and fraud. Now Zions Debt Holdings, the fifth collection agency starting this fraud. I need help to end this fraudulent account to end completely. Please help methanks.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Automotive Management Services, Inc. (TX)

On XX/XX/year> I went to look at a car from a dealer called Crown Auto Sales I have screen shots between me and the person telling me I was approved through a co-signer program and tricked into coming in. 

The reason that I was looking for inhouse is because I currently have an open auto loan that is in the process of it being paid off through a gap claim. 

When I get to Crown Auto Sales the salesman by the name of XXXX XXXX informs me Ive been approved for a loan and that the car that I have an open auto loan was included as a trade in or can be included as a taxwrite off I inform XXXX that the civic is indeed wrecked and XXXX still in communication with the insurance so it can be totaled out so it in fact was not a trade in and could not be included as XXXX. I voice my concerns and immediately start recording and voicing my concerns on video. He tells me on video that the civic wont be a problem and that it isnt included in the loan. 

I give him XXXX and I XXXX him an additional XXXX since XXXX informed that the whole downpayment must be put down or Id risk of loosing the application and my XXXX payment XXXX handed the keys to the car and I drive off the lot. Within driving the car out I notice that the ac isnt blowing cold anymore and the headlights didnt work either. I text him and let him know and he instructs me to bring the car back and leave it. When I go back to the shop I realize the gate is closed and no one left it open for me per the deal I just made with the salemam. So Im forced to take the car home in those conditions. 

The next day I call the bank and they inform me that the funds for the vehicle have yet to be dispersed and that theres a stipulation on my loan for the total loss on the open auto I have. I inform the bank that I do not have the total loss form yet as the car was still being processed so my loan was denied. I then voice my concerns again with the dealer and they inform me not to communicate with the bank as im not making my case any better by communicating with them and proceed to tell me that the deal is done and I have no choice but to keep the car until they find a bank to finance the loan which they never could. 


All this is occurring while Im having mechanical issues with the car, the sales man then passes me to the owner. The owner then tells me through texts from which I have screen shot to file as proof of this ordeal, that the car had a potential buyer and that if I returned the car to him that day he would refund me the money for my downpayment. 

This dealership has made threats against my life for opening a claim with XXXX XXXX concerning this I have video of the salesman and me informing him that the car was wrecked but was still being processed to make it a total loss. 

I have all the text messages between me and the dealer XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Collections, Inc. (TX)

Upon Reviewing my credit reports from all 3 bureaus I noticed some unexplained account and past due amounts as well as charge off 's. I started by reaching out to the said creditors and got no where with them. However, I did give them information they requested such as SSN, DOB and Phone number. I explained to them that I believe I fell victim to fraud and that my identity must have been used by an unknown source. They claimed that they would investigate and follow up with me. I waited a minimum of 30 days and I still never received anything from the said creditor and to my dismay XXXX and XXXX years later I see these items are still reporting to my bureau 's. I reached out via phone to all 3 Bureaus ( XXXX, XXXX and XXXX ) and they have since noted on all of my bureaus that the information has been verified and meets FCRA guidelines. I still to this day do not know how this is possible. I followed everyone instructions and did as requested from Police Reports to putting a block on my file and still nothing has changed! I demand the items to be removed once and for all.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (PA)

I am writing to lodge a complaint against Aldous & Associates P.L.L.C. regarding their unprofessional and potentially unlawful debt collection practices. 

Today, XX/XX/year>, I received a voicemail from Aldous & Associates with no information other than a phone number. Upon calling back, I was informed they were attempting to collect a debt. When I inquired about the debt, I was put on hold for approximately 20 minutes without response. I had to hang up and call back, only to be told the manager was busy and would return my call. 

Several hours later, I received a call back. They informed me that the debt was related to a past-due gym membership. I explained that the gym had confirmed this bill was not valid and would rescind it. I requested details of the bill, and the manager stated it had been mailed to an incorrect address ( previous home address ). I provided the correct address and requested the information via email. 

The manager agreed to send the details via email but refused to receive the gyms response via email, stating they do not communicate via email. This contradictory stance hampers the ability to respond to debt claims. They insisted any documentation must be sent to a XXXX XXXX XXXX which is highly inconvenient and delays communication. 

Aldous & Associates did not provide the necessary information required by law, such as an itemized breakdown of the invoice in the email they sent. Their one-sided communication system complicates and delays the resolution process, potentially capitalizing on confusion. 

I request that the CFPB investigate these practices and ensure Aldous & Associates complies with all relevant laws and adopts fair communication practices. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-07
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three 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
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I have credit scores of XXXX and have XXXX interest cards with companies as XXXX XXXX ( XXXX and XXXX bank ), but I applied with chase and XXXX XXXX and citibank they refuse to help or open an account regardless of my sucessful record of paying off bills. 
I think they have me XXXX  from the past. 

can you please open this up with them and I want them to research why. 

XXXX XXXX no form letters allowed to send me and i will take the attorney route
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

XXXX  has been nothing but horrible to me since the start. They started mandatory repayments before the repayment pause was over, which they corrected but it seems incredibly scummy that they did that fully knowing there was a payment pause. Their payment system is nothing short of a headache. They first accepted payments from my savings account but then started declining those payments days after submission which caused late payments on the account. My most recent trouble with them highlights further issues where I would submit a payment, not get verification, then try again. Both got charged simultaneously causing both to get declined and two return check fees which then caused me to be unable to pay them until later. I submitted another payment which went through, but then later on when I got my paycheck deposited they charged both of those declined payments, resulting in my account to currently be in the negative racking up returned check fees. Their system is rife full of what is known as XXXX XXXX, aspects of system design and implementation that seems to simply want to charge me as much as possible likely before any further moves can be made for student loan forgiveness. If I had the opportunity to change loan servicers I would In a heartbeat. I have never had a problem with any other financial institution or commercial entity the same way I have with XXXX  and now I am financially ruined for at least a month based on their refund times to correct this issue. I need this complaint posted and I would hope that there's enough people with similar issues that action can be taken or their license to serve student loans is taken away because I do not trust them, their system has been nothing but a XXXX  trying to take more money away from me, and despite the capable customer service staff, it shouldn't be on them to fix design aspects that seem to be predatory in nature.
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: BSI Financial Holdings, Inc. (IL)

I have reached out to this company below for several times and talked to them about the issues with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Consumer complaint received 2024-08-06
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: ACIMA CREDIT, LLC (MS)

The name of the company is Acima. 
My credit report for XXXX, XXXX and XXXX is reporting my pay history. 
This account was included in bankruptcy, which was discharged in XXXX 
I called the company and they said they are not reporting this and there is nothing they can do. I have disputed this with the agencies, to no avail. 

After a discharged bankruptcy, all payment history is to be deleted and the above 3 agencies will not remove it. This is keeping me from qualifying for any credit. 

Thank you in advance.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (OH)

On XX/XX/year> a debt collector Eastern Account Systems opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX XXXX, I had used this card for multiple purchases at the XXXX XXXX XXXX in XXXX XXXX including XXXX XXXX XXXX XXXX I tried using it online and it does not work in any store, whilst the card had claimed it was usable online. They had lied and I am not able to make any online purchases. I had looked online and seen multiple people had the same issues as me. I had not called the service because I had already activated my account, and multiple people online had stated they would have to wait hours to get into contact with an AMEX employee. On top of that, a lot of people said they were very disrespectful, would blame the merchant, or hang up on them. I want a check of what is left on my card so I can actually spend what is on it.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TN)

From XX/XX/XXXX until XX/XX/XXXX, my checking account was hacked. A XXXX  account was allowed to remove over {$1000.00} from our account through fraudulent withdrawals. I have provided bank statements, records, everything they have requested me to do to dispute these charges. I have met with my Bank manager, she agreed that we were a victim of fraud. She has tried to help me. We are unable to talk to anyone who actually has any power To plead our case. I can absolutely prove the fraud, but they continue to deny my disputes. 
XX/XX/2024 {$95.00} XX/XX/2024 {$10.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$120.00} XX/XX/2024 XXXX These charges were made from a XXXX XXXX  account that did/does not belong to me. I have proven this through documents provided to Regions Bank. 
All of these charges went to the same account. XXXX XXXX confirmed these charges were not from my account.
Consumer complaint received 2024-08-07
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. (AZ)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

The following was sent via email To AMEX as well as A recorded phone conversation with an agent in the applications department. 

Good day I applied for A credit card on XXXX XXXX and was denied. Regardless of the reason for being denied, I have the right to credit withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act as well as the consumer credit protection act since you are denying me my credit, please retract my application.

I was informed by their agent that they would not be retracting my application and it would not affect my credit score however I received an adverse action by way of a hard inquiry which dropped my score. 



XXXX, XXXX XXXX Attorney in fact for XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (CT)

My balance with Upgrade is currently {$360.00}. Today, XXXX, I attempted to schedule payment with a posting date of XX/XX/XXXX ; date was selected with an amount of {$360.00}, however, the app seems to have reverted the date as well as amount to XX/XX/XXXX, amount of {$730.00} XXXX, which appears to be double amount in full. I attempted to cancel payment, error message showed unable to stop it. Since amount is double total amount due, I believe Upgrade system should have recognized it as so, not allowed payment to process. Further, a stop payment was placed on item with my bank, XXXX XXXX, since Upgrade would not allow cancelation. A stop payment fee in amount if {$30.00} charged by XXXX XXXX, I request this fee deducted from my balance as I believe it is due to error on end of Upgrade
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MO)

I lost my card and someone used all my money and I don't understand how chime never tell me in messages about this transactions and now that I am calling to chime they say to call them in 1 week.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Hi recently reviewed my credit report and noticed an account that I was in fact paid.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I, ve attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ) Im requesting you to investigate this account and update this payments to be paid on time immidiately.Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-07
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. (VA)

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 XXXX  according to XXXX-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 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (IA)

I keep getting mailings from SoFi, as in pretty much every other day, offering personal loans there is a number at the bottom of their mailing that says to opt out you can call XXXX. When you call that number the very first thing they ask, you is your for is your Social Security number. I want out but will not Provide my Social Security number and they give you no other XXXX  to cancel.
Consumer complaint received 2024-07-25
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: Affirm Holdings, Inc (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.