davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CT)

This is a multi-account compliant. 

For the XXXX XXXX XXXX and XXXX, Ally account XXXX -- I believe this is the account number, Ally stated to XXXX that the account was settled as a part of a bankruptcy. But that is not true. There was XXXX vehicle I leased with Ally, a XXXX XXXX XXXX that was included in the bankruptcy. 

The other vehicle listed above, was not, and XXXX won't help me. I have a XXXX and this is an XXXX XXXX  as well, because my XXXX affects my ability to type numbers. ( XXXX ) Ally may have a different account number, but this report is being made in good faith under the belief that is the correct account number. 

Regarding the XXXX XXXX XXXX, Ally Account ... XXXX... this was a lease that was extended and paid off in full. The problem was the over mileage costs. The lease itself was paid, thus the extension that was authorized, but I went over the mileage. Despite providing a huge pile of receipts in the vehicle, in an envelope, the vehicle only sold for {$13000.00} at auction. My previous vehicle from Ally -- a XXXX XXXX XXXX XXXX, sold for so much at auction, they sent me a check -- -and the sale absorbed the small over mileage fee of about {$800.00} or so. When I complained to XXXX that this was on my credit report as " paid for less than the amount in settlement '', Ally not only refuted that and won -- -but added the XXXX XXXX XXXX and XXXX  to my credit report as a new item -- stating it was a part of the bankruptcy where, incidentally, my wife almost died of XXXX XXXX with ~ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. .and I have leased about XXXX cars with Ally since XXXX. 

Why there are treating me so poorly now -- -I don't know -- but they have it on file that I am XXXX. I know Ally will read this. I love Ally, I love the people at Ally. I have had XXXX negative experience with Ally since XXXX and that was because I complained about how little this vehicle sold for, even though I detailed it, did extensive work to it with a garage at the end of the lease, and gave it back with new tires. Ally -- -has done a very good job at teaching me a lesson about complaining, by settling on this debt, dinging my credit, and then reporting information that simply isn't true. I can't fight Ally for the rest of my life. 

I am waving the white flag of truce. I apologize for complaining so much, but that XXXX XXXX sells for XXXX dollars at any dealership in Connecticut. And. Ally would not admit that in the past they had sent me a check if the car sold at auction, post lease, for more than the residual. Can we please put this to bed and go back to the business we are all good at and that is Ally leasing cars to me and me leasing cars from Ally. 

Thank you XXXX Bless You.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/XXXX XXXX XXXX ( I'm that girl tried to cash app me XXXX $ CASH APP stopped my payment. And the XXXX should have went back into her account but it didn't. Cash app want show me proof of this and I still have not gotten my money back
Consumer complaint received 2024-07-04
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: ALLY FINANCIAL INC. (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (TX)

Complaint against Wilshire Consumer Credit I applied for a title loan from Wilshire Consumer Credit around XXXX of this year and was approved for a {$2000.00} title loan. Although I only needed a few XXXX dollars, this creditors minimum loan amount was {$2000.00}. I accepted the loan, signed the contract, and requested the funds be direct deposited. When the direct deposit failed, they overnighted me a check. 

Upon receiving the check, I investigated the company more thoroughly and discovered their disreputable reputation, numerous complaints, and unfavorable loan terms. Consequently, I decided against taking the loan. While I needed the money, I did not need it badly enough to proceed with such a problematic lender. 

I returned the uncashed check to Wilshire Consumer Credit via certified mail. The check was never cashed or deposited into my bank account. Since the check was uncashed, the funds never left the custody of the creditor. I did not receive any benefit from this loan. 

I called Wilshire Credit almost daily to inform them of my decision not to proceed with the loan. Each time I called, I spoke with a different representative who provided conflicting information and appeared unaware of my situation. Despite my repeated requests for them to put a stop payment on the check, they refused. 

On Saturday, XX/XX/XXXX, my car was repossessed, or more accurately, unlawfully taken. Wilshire Credit is now demanding {$700.00} for the release of my vehicle, plus storage and tow fees. 

There is no way I will make a payment on something I never received. This company is acting in complete disregard of the law and common sense. 

I request the immediate return of my vehicle and the cancellation of any associated charges or fees. I also demand that Wilshire Consumer Credit correct their records to reflect that I did not receive any funds from this loan. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (GA)

I received a call from this comppany stating that I owe them money, they did not provided any particular proof, they simply asked how i want to settle. I terminated the call and now I am getting this collection on my credit report. I am not sure who they are and what they want from me.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (OH)

I have recached out to XXXX XXXX XXXX over 5 times asking that the XXXX accounts they have in collections be removed. XXXX XXXX XXXX is in violation of 15-usc-1692 and 15-us-1681 I ask that both these accounts be removed as these accounts have also been charged of called the original creditor asking for a XXXX and they have not sent out yet. these accounts have been charged off by the original creditor making them taxable income by the IRS and taxable income can not be on a credit report.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our company 's account was frozen and closed by the Bank of America in XX/XX/year>, and we have been calling the customer service of the bank to ask why it was frozen. They replied that they did not know, nor did they say when the account funds would be sent back to me by check. At present, there are more than XXXX dollars in our account. My request is that the Bank of America send me a check.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD SERVICES # XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc. (GA)

I started to receive emails from a company i have not contracted with. They claim i owe them XXXX XXXX XXXX for something. I have never heard of them until they started reporting to my credit recently and searched the name in my email box and it says its from another company i never heard of. 

The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. The repeated sale and re-aging of a charged-off debt, along with ongoing collection efforts as recent as a week ago, are clear violations of my rights. This is a violation of 15 USC 1692e ( 8 ). More specifically, Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

The financial harm caused by this situation has severely impacting my life. 15 U.S.Code 1692a ( 6 ) states bounce ai and subsequent buyers are all debt collectors by law. 15 U.S.Code 1692c ( b ) law. However the debt collector, bounce ai and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ).

I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from?
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

Cash-App sent me one text message saying I no loner have access to account routing # and direct deposit, and I then found out they closed my account without a proper notice, and I could not log in either. I managed to log in after XXXX days, and requested an explanation why the account was closed, they just log me out again, now I can not even open the Cash App on my phone.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am the victim of identity theft, and did not authorize opening the XXXXXXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX  keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX  but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (ME)

Since the beginning of XXXX I have been dealing with this company and trying to get my card replaced. Each time they request info for my address. I provide the info and they tell me is invalid. It has been XXXX weeks that I've been trying to get my stuff updated and my card replaced but they do not contact or communicate and when called, they give you the bs running around instead of helping you. At this point either they need to replace the card or pay me for the wasted time. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX info was sent out. Nothing was done, no correspondence sent to me to acknowledge receipt until weeks after sending the info in. Original card was lost and I called to have a replacement sent and I got the run around. This is absolutely egregious to deal with and the practice at this point is XXXX.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXXday notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint Against American Express - Unauthorized Charges and Dispute Resolution On XX/XX/2024, I made a purchase using my American Express card for order a dress for {$58000.00} from XXXX XXXX XXXX. Unfortunately, the merchandise was lost during the delivery process, and I did not receive it. As a result, I initiated a dispute with American Express to request a refund for the charges. 
To my disappointment, American Express repeatedly holds the disputed charges and then releases them when the merchant claims that the package had been delivered. This procedure has been ongoing, and it puts me in a difficult position as I am unable to pay for merchandise I never received until American Express can provide proof that I actually received it. 
I have made multiple attempts to communicate with American Express to resolve this matter, but the issue remains unresolved. I have explained the situation and provided all necessary documentation to support my claim, yet the charges continue to be reinstated without any further investigation. 
I kindly request your intervention in this matter. I believe that American Express 's handling of this dispute is unfair and unjust. I am concerned that their actions may have a negative impact on my credit history and financial well-being. 
I urge the Consumer Financial Protection Bureau to investigate this case thoroughly and ensure that American Express follows proper dispute resolution procedures. I request that American Express be compelled to provide a fair and prompt resolution to this dispute, either by providing evidence that I received the merchandise or by refunding the charges. 
I appreciate your attention to this matter and the assistance you can provide in resolving this dispute. Please feel free to contact me if you require any additional information or documentation.
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (OK)

The collections account ( HUNTER WARFIELD ) appeared on my credit profile and I disputed it with the three major bureaus for XXXX months straight XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Then last month, XX/XX/XXXX, the same company ( HUNTER WARFIELD ) put the same debt under another account number on my credit profile. So now I have XXXX collections for the same debt that was discharged in bankrupcty XXXX years ago. I called the company today XX/XX/XXXX to explain it is a discharged debt and to give me an email or mailing address to provide proof. They refused, even after verifying my name address and phone number etc.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency 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 which antedates the report by more than seven years. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency 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 which antedates the report by more than seven years. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.