davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

there investigation found that the information i disputed is inaccurate or can not be verified, the notice should say so and also state what corrections the furnisher is providing to credit reporting companies to fix.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX To whom it may concern, My name is XXXX XXXX. I am writing this email due to some unpleasant activities following a visit to XXXX XXXX XXXX back on XX/XX/XXXX. I came in that Saturday morning for a recall repair on my air bag for my XXXX XXXX XXXX. ( Which I am still currently driving ) While I was waiting on my repair, a young man ( sales professional ) XXXX XXXX showed me some of their cars on the lot, asked me why I came in today etc. Then we test drove a XXXX XXXX. During this period my vehicle wasn't done yet with the airbag repair. After test driving the XXXX XXXX, XXXX, ran up some numbers and was basically trying to get me to get me to walk out with a new car, payment plan etc. I said no, explained that I had a lot going on and that this would not be a smart decision for me right now and that I would I'm just going to wait till my car is ready and go home. 

After, that I had a few representatives come in and try to convince me or " earn my business '' as they put it. The Manager, supervisor, you name it. Outside of XXXX, I had to have had three to four more men come to the same desk trying to offer different deals to earn my business ; and each time I said no. That Saturday I ended up driving my car the XXXX XXXX XXXX  home. I did not purchase a new car, there was no trade in, or any contract or consent given to process or complete anything else. 

Unfortunately, a while later I had received some letters in the mail from two separate lenders informing me that they denied my request for a loan. In fact, the letter stated that the loan requested was for {$26000.00} ( from XXXX XXXX XXXX XXXX ). I was completely shocked that I ended up checking my XXXX and Experian account and I noticed that there were several other hard inquiries dated back form XX/XX/XXXX the same day I went in for my recall repair, which is absurd because I said no to every sales man that came before me and I did not give consent or request any loan for {$26.00}, XXXX from XXXX XXXX, this is when I knew I had to call the credit bureau and take action. This was not activity I approved of nor gave consent to, this is fraudulent activity. 

Now, unfortunately I'm going through the process of mailing letters to the credit bureaus to clean up this mess that I did not even do. I'm also considering getting my attorney involved because this is the most insane and unprofessional thing I've seen, and to be honest my respect for this XXXX location has gone down. This is a very unpleasant circumstance to be dealing with right now. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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 2023-04-05
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MD)

Sent to : ALLY CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my Ally Financial experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via Ally Financial until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing Ally of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received Ally email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from Ally, all of which is egregiously false. 

Personally, I am a single, XXXX grandparent, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is one CAN NOT get a US Ally Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, XXXX, XXXX, and XXXX are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

ALLY FINANCIAL POTENTIALLY NEGATIVE Account Info Account Name ALLY FINANCIAL Account XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CO)

On XXXX  XX/XX/24 I met a private buyer at a chase bank ( buyers bank ) to sell XXXX  truck for the amount of $ XXXX. 
Buyer and I made an agreement for that {$29000.00} but Chase bank could not give the buyer the XXXX cash to purchase my truck at that time. I agreed to a cashiers check of XXXX and got XXXX cash and a XXXX cashiers check from chase bank. On XXXX  XX/XX/24 I returned to the same Chase bank that I got the cashier check from and they would not cash it because XXXX ) I didnt have a active account with them XXXX ) because they didnt have XXXX. 
So I decided to reopen an account I had there to try to solve the problem. Well, turns out I couldnt open my account because I had $ XXXX balance that was sent to collections .The XXXX  thing about that is, it was negatively withdrawn {$12.00} because of their monthly account fee not because I overdrafted! So disappointedly I solved another problem and paid that {$12.00} so I could open another account. After wasting all that time and {$12.00} they told me I could not cash my cashiers check or even deposit my cashiers check for XXXX hours because My Account was new. Frustrated and disappointed I calmly excepted that. 
Then today XXXX  XX/XX/24 I came back with my cashiers check and an opened account. I handed the cashiers check to one of the Chase employees and requested XXXX  XXXX cash and the rest into my new chase account. Well, after providing them with my state issued valid ID., a different debit card from another bank, a digital ID, and the very check with my name on it that I gave them they were not able to give me any money, even though they brought out XXXX in cash before telling me this. My option was to wait until my new debit card came in the mail. I asked for my XXXX check back and resisted the urge to XXXX super slam every single one of them. Im horrible at writing as you probably can tell. I just want to see if this is legal or not. and if so, what are my options? I lost two investment opportunities and havent had a vehicle to drive because of this.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX 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 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (AL)

I have filed a complaint with the XXXX XXXX of FTC. American First Finance XXXX XXXX has sent me XXXX invoices ( BILLS ) demanding {$1200.00}. This was for a XXXX XXXX. They did not tell me what the invoice was for, or even what company was selling it. I received a call from a man, who would not identify himself or the company he was working with. I tried to get all the above information and gruffly said something and immediately hung up the phone. Next, I received a call from XXXX XXXX XXXX, XXXX, a collection agency, telling me that I owed American First Financial money. I refused and asked for proof of this. I received in the mail a completed online " CONSUMER RENTAL- PURCHASE AGREEMENT " form, signed by XXXX XXXX XXXX XXXX XXXX of American First Financial , LLC . This was dated XX/XX/year>. This form does not tell who sold the scooter and I have not received a scooter of any kind. I did not order XXXX and do not need a scooter or any other apparatus for personal transportation. On the purchase agreement, there are several printed signature names. This is NOT my printing and, the signature area blocks should be a cursive signed signature. Again, somebody, other than me, filled this in with printed letters. I have just gone through the online signing of two different Sell/Buy purchase agreements. Both agreements required a cursive written signature to be done by an online service company, with a cursive signature, who is signing the agreement/contract. What I received in the mail, looks like a blank form, that was filled out by a physical person, not by an online company program. I have never heard of American First Financial, LLC, or Radius Global Solutions, LLC until now. I did contact The Better Business Bureau about American First Financial. Their report was of many false claims for money from people who had paid off their purchase agreements or did not owe the amounts American First Financial was demanding. There are several CLASS ACTION SUITS pending against American First Financial at this time. American First Financial , LLC has filed complaints to XXXX, XXXX, AND XXXX credit bureaus for nonpayment of account. I was not informed of this action, so I will be sending a rebuttal action to the credit bureaus. I and others, by The Better Business Bureau report, believe this is a " SCAM " and also a case of " IDENTITY Theft "!
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, I went into a XXXX XXXX to retrieve XXXX in cash and inserted my XXXX XXXX around XXXX. Later into the night both my wallet and phone was stolen out of my jacket pockets, I had no way to communicate with my bank and since I didn't believe they had my pin or access into my phone that I would deal with everything in the morning. When I woke up on XX/XX/year>, my phone was accessed by whoever took it and they sent themselves all of the money through XXXX XXXX, XXXX, and XXXX ranging to around XXXX. They took from the XXXX XXXX and XXXX at XXXX in a location in XXXX XXXX of XXXX which I wasn't near or have ever been to in my life. This was a Chase XXXX  and used my XXXX XXXX which was apparently used to get into my account first try. I reported to Chase on XX/XX/year> that this wasn't me who transferred all of my money, had access to my phone, and got cash through my card with their XXXX Chase returned all of my money except the XXXX transaction in which they reported that it didn't constitute as suspicous or fraudulent. I requested them to look into the other transactions made at the same time frame, the XXXX camera, my XXXX report filed with the XXXX XXXX XXXX, or acknowledge my phone being stolen. They responded with that they wouldn't move forward with the case and provided no additional information to me other than my XXXX XXXX wasn't used XXXX times to get money out of the XXXX. I mentioned in my XXXX conversation with Chase that I used my XXXX XXXX to get money from an XXXX the same exact night it was stolen and that isn't considered an acceptable method for someone to find out what my XXXX XXXX is.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase Bank had closed my joint account and business account without giving me any reason whatsoever. I also believe JP Morgan Chase Bank is involved in several attempts to deny me access to information based on scam I reported to their Branches. My two accounts were closed, and I have been scammed by individuals in the United States and working abroad. The Bank refused to provide me with any assistance and asked me to report the case to the XXXX, which I did. I seek to get refunded for the amounts I was scammed in which JP Morgan Chase refused to assist me. I was also told by the Bank that my business account will be closed based on a fake check that was sent to me and the company that reported the issued check to me have refused to collaborate on the investigations.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (SC)

I transferred money to my checking instead of my business checking account. To cover a purchase from my vender. Ok simple mistake I transferred money to the wrong account. I switched the money to my negative business checking right away. I called in immediately to get the fees waived. Three of them. At {$36.00} apiece. {$100.00}. I was told theres nothing they can do. Ive talked to managers and bosses. I have talked to my local branch which didnt call me back for four straight days. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc and XXXX. Would not call me back for days. They did not help me in any way shape or form. XXXX told me that XXXX was working on it. When XXXX finally called me back XXXX days later he told me not only there was nothing he could do but he wasnt working on it. And questioned me saying XXXX XXXX say that. Complete lies And they went as far as saying there is absolute nothing they can do. Its the computer system. All I need was somebody to take a common sense approach and look and see what I did and get the fees waived. that is a scam in my opinion. Charged {$100.00} for a simple mistake. they make millions on simple mistakes. Scary
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Dynamic Recovery Solutions, LLC (NY)

I'm unfamiliar with this company and any supposed debt they claim I owe. They've repeatedly sent text messages to my phone, and I have several of these messages as evidence of their attempts to contact me. I do not have any outstanding debts with this company. One of the text messages displays a DRS # XXXX. I've uploaded a text message to demonstrate their actions. I want to reiterate that I do not owe any money to this company.
Consumer complaint received 2023-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Sent letters to Trans Union Disputing inaccurate information on my credit report and they have neglected to send me an update or response.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust COVID " non-access to service '' is out of control. I do two wires every month. Fine, I will do drive through. Now Suntrust pulled that from my branch where everyone knows me. So now I have to drive across town and do international wires with people that don't know me. if you know me and you see my face on camera and you have my ID, let me do my XXXX wire. 

I have a safe deposit box. I have important documents and sometimes need to deposit cash instead of keeping it with me and risk having it stolen. Today {$7000.00} in cash. I called to come over to get to my box to make my cash safe. I'm told I have to make an appointment and I have to wait 3 to 4 more days for an appointment. GET MORE STAFF SO YOU CAN HANDLE YOUR CUSTOMERS. A few weeks ago I had to stop a closing on a property becuase Suntrust would not give me access to my box. If we can't use the boxes then just close all of them so we can take our business somewhere else. 

This merger is a disaster already. I don't mind sitting in my car for 30 mins to keep us all safe, but OFFER THE SERVICES THAT YOU ARE SUPPOSE TO OFFER TO YOUR CUSTOMERS. You keep charging me stupid XXXX fees on my account and then refuse to help me. I'm NOT A HAPPY CUSTOMER!!
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (MN)

I contacted this company prior to the court date requesting information and notified them of my willingness to resolve. I also gave them permission to speak with my Mom, XXXX XXXX, who was an authorized user on the account. She also contacted them prior to the court date trying to resolve. At court, they stated that no one had contacted them to resolve. We have phone records that prove otherwise. 

We also made several attempts to schedule payments online and had continuous problems with their website. We notified them repeatedly with no luck. When my Mom was finally able to speak to someone and attempted to make payments, they stated that our options were to pay over {$400.00} a month ( not feasible ) or file bankruptcy. 

Despite our numerous attempts to resolve, they are now trying to garnish my wages based on a judgement they got under false statements.
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (GA)

This debt was paid in full by the pandemic bill during mandatory lockdown. All appropriate paperwork was filed with the main office but they are still allowing a collections team to ruin my credit score by trying to collect a debt I don't owe them. NO HOTEL ON EARTH would allow an individual to accumulate such a high bill and not evict said tenant well before it reaches the balance they say I owe. It's common sense.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WELLS FARGO & COMPANY (FL)

I dont remember the exact date but it was XXXX I received a letter saying I was denied a personal loan that I never applied for I called and was told they didnt see anything in the system I feel like someone there ( wells Fargo ) attempted to get a loan and wasnt able to all my correct information was in the letter It looked like any other paperwork. When I called all the guy said was ignore it that it wasnt real and he didnt see it in the system which I feel it was deleted because I was denied and they knew the average person would call and ask about it.