davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I recently reviewed my credit report and noticed a collection that I dont know about is reporting. Colombia Debt Recovery for {$4700.00}. 

I never received anything to say I owe this debt. 


They never supplied me with copies of any contract or agreement signed that I had with this company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), they did not supply me with any of the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
I want them to stop reporting this immediately
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NC)

I am trying to make multiple payments during the month, example every Friday pay XXXX as long as the minimum is met within XXXX  days, I should be able to schedule multiple payments online as many months as I want to, they don't allow it, its due date whole amount or nothing. I should be able to schedule payments like other cards etc as often or as in advance as I want. I should be able to go online and schedule future payments as often as I need or want, and they do not allow this online feature while every other bill I have this is an option. it helps when the minimum payment goes up or you just can better plan financially to pay ahead. DISCOVER CARD
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (FL)

The Albert app charges customers subscriptions to use their product but they make it impossible to cancel. Ive been paying for about 2 years despite numerous attempts to cancel. They have been holding me hostage ( as well as many other customers ; XXXX Albert reviews ). Finally, in XXXX this year I was able to XXXX  my account out with them sending me a check in the mail. I thought this nightmare was FINALLY over, but no. Fast forward to XXXX this year they reopened my account and put a negative balance of $ XXXX. I have tried reaching them and they refuse to be helpful and tell me to pay it off if I want my subscription to stop ( unknowingly to me they restarted my subscription without my consent ). This is really my last course of action. Me and hundreds of other customers need someone to step in and stop them from holding us hostage.
Consumer complaint received 2024-09-14
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: WHEELS FINANCIAL GROUP, LLC. (CA)

COMPANIES : XXXX XXXX BALANCE {$10000.00} ... .ACCT # XXXX XXXX XXXX {$20000.00} ... ACCT # XXXX XXXX XXXX {$58.00} ... ACCT # XXXX XXXX XXXX {$9300.00} ... ACCT # XXXX ALL THESE COMPANIES ARE REPORTING BALANCES ( INACCURATE REPORTING ) THEY DID NOT PROVIDE 1099-C FORMS ALLTHESE ACCOUNTS ARE CHARGE OFFS WHICH IS NOT CONSIDERED INCOME ACCORDING TO THE IRS, AND ACCORDING TO THE CREDIT BUREAUS INCOME CAN NOT BE REPORTED TO YOUR CONSUMER REPORT
Consumer complaint received 2024-09-14
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: Westlake Services, LLC (CA)

COMPANIES : XXXX XXXX BALANCE {$10000.00} ... .ACCT # XXXX XXXX XXXX  {$20000.00} ... ACCT # XXXX POSSIBLE FINANCE {$58.00} ... ACCT # XXXX XXXX XXXX {$9300.00} ... ACCT # XXXX ALL THESE COMPANIES ARE REPORTING BALANCES ( INACCURATE REPORTING ) THEY DID NOT PROVIDE 1099-C FORMS ALLTHESE ACCOUNTS ARE CHARGE OFFS WHICH IS NOT CONSIDERED INCOME ACCORDING TO THE IRS, AND ACCORDING TO THE CREDIT BUREAUS INCOME CAN NOT BE REPORTED TO YOUR CONSUMER REPORT
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is showing pays as agreed a closed or paid account but its still showing on my report. Can the company provide proof an ownership an that the account was paid by collateral.
Consumer complaint received 2024-10-09
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. (NJ)

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.

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 informationisinaccurate.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA (TX)

In XXXX, I was checking my credit report for accuracy. My current address was listed twice- one with the apt ans one without. XXXX stated that they could not remove the address because it was reported by one credit card, Goldman Sachs. I was advised to reach out to them to correct the address. I did and was assurred that the issue would be resolved. However, when I checked my credit report in 30 days ( which is the time frame I was given for the correction to be made ), the address without the apartment number was still present on my credit report. I called XXXX again but they told me they could not help me. I would need continue contacting Goldman Sachs to get the address removed and updated. The last week of XXXX, I called and the call was expedited to a manager because there were notes stating the issue was resolved but it wasn't. I was once again told that this time the issue would be resolved and I would receive a. email like I did before indicating the results of my request, but I have not received anything electronically or by mail. This issue has caused a delay in me applying for a mortage. I desire to be a home owner, however, Goldman Sachs reporting my address without the apartment number has me connected as the owner of the apartments. This is un acceptable and to me an easy fix- especially since they claim that they see I live in an apartment, so why are they reporting something else and affecting my credit?
Consumer complaint received 2024-10-09
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I've had credit acceptance For the lastFew months going on a year, I'm paying a very high interest rate, That includes adults that the dealer pressured me to buy, I tried to return the vehicle they told me that they couldn't take my returnDo to me already signing the contract, I purchased the car at a dealership called XXXX XXXX XXXX XXXXXXXX And I was told that the car could be paid off in 4 yearsAnd I was told that the car could be paid off in 4 yearsBut in the agreement, There is warranty and gap insurance for 72 months which I'm supposed to only have the car for 40 months, As I'm making my payments which are XXXX a monthCredit acceptance takes more than half of my payment only putting at least a {$100.00} towards my principal balance and the rest towards interest My car no isn't going down at all and I've looked at the ad on 's end nothing is adding up to the amount that I'm supposed to pay, I really do need help with this matter because I do not understand and I was told by another person who had credit acceptance that they were going through a lawsuit for predatory credit practices, I was not aware of this knowledge at the time that the car was purchased Which the dealer did not provide any information to tell me otherwise I wouldn't Have purchased a car through them. 

The car totals up XXXX for the sticker price cash, And I was told with a {$7000.00} down paymentI could take away the car but the car 's value was priced at almost over XXXX for a XXXX  XXXX XXXX XXXX, When I searched on a XXXX XXXX XXXX the car values at almost XXXX and is overpriced, I recently purchased the car Earlier this year And I feel like I was taken advantage of by the dealership because I kept trying to return the car and reverse the deal a ship kept trying to fix the car when I told them it had transmission problems, Also the dealership had held the car Because it wasn't running And gave it back to me the week before my warranty was over. Also i do not have the full loan details just the protection plan
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FinCo Services Inc DBA Current (NC)

On XX/XX/year>, I received notification that XXXX CREDIT REPORTING AGENCY dropped my credit score XXXX points. 

I reviewed my credit report and identified that there was a manufactured error being reported. A Glitch or systematic failure. It stated that my Current account was removed and renewed on my report. 

Thereafter, I contacted CURRENT who informed me that they did not close nor remove the account. They stated that they only posted the positive payment history. 

It clearly shows that the account is listed closed while in good standings. This is false. 

XXXX is manufacturing credit scores in order to sell products to consumers who they feel isnt financially savvy. This manipulative tactic harms consumers and destroys credit bureaus trust.
Consumer complaint received 2024-09-13
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: JPMORGAN CHASE & CO. (NY)

Dispute : XXXX with Chase Bank for British Airways Credit Card ending in XXXX British Airways charged me multiple times for the same trip, and they claimed that the bank did not release the funds and would not allow me to finish my journey unless I repaid the ticket. Chase refused to refund me for the extra cost. I ended up being charged XXXX for XXXX ticket, and I had to pay twice due to Chase Banks neglect. 

On XX/XX/year>, I booked XXXX single round trip flight going from New York to XXXX ( Booking reference XXXX ) for {$890.00}. 

Confirmed by transaction for payment for the ticket : XXXX on XX/XX/XXXX. 

I noticed that Chase Bank/British Airways had charged me twice for {$890.00}, so I called the bank to dispute the charge, and the duplicate charge was refunded back. 

On XXXX XXXX, I paid my credit card bill for {$1000.00}, which paid for the ticket. 

On XX/XX/XXXX, the first leg of the flight was taken without any issues. British Airways did not contact me or alert me of any payment issues, in fact, they sent me emails to wish me a good journey, and the first leg was completed. 

On XX/XX/XXXX, while attempting to take the second leg of the trip from XXXX, I was informed by British Airways that the Bank did not pay for the ticket, and therefore, they would not issue a ticket unless the ticket was repaid in British Pounds of 737.11 which equaled to {$930.00}. This {$930.00} charge is the only payment that British Airways has for this ticket. Where did the original {$890.00} go?

I would like my charge of {$890.00} back, and Chase refuses to acknowledge where this money has gone, and British Airways claims that the only payment they have for my ticket is the {$930.00} which I was charged at the desk. When I asked Chase, they said the time to handle this dispute had in fact expired despite the fact that this whole scenario has taken time between British Airways and Chase both refusing to help, despite this being something they that caused. They charged me twice for {$890.00}, XXXX was cancelled, but I have no idea where the other charge has gone, it's essentially in a XXXX hole, and British Airways do not have the funds either..

British Airways was more helpful than Chase Bank, they just have taken our funds and said too bad because time is expired our funds our lost. There is no accountability from this bank. I don't understand as this was a British Airways Chase Credit Card, yet both institutions are completely neglectful.

They charged me twice for one ticket, refused to pay British Airways for the ticket I used the card for despite making payment, and due to this, I had to repay again to use a ticket in a very stressful situation. 


Thank you, XXXX XXXX
Consumer complaint received 2024-09-07
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: Diverse Funding Associates LLC (IA)

I have contacted this company XXXX a few times they responded back with a letter stating that they sold the debt to DNF. I have also contacted them sending them debt validation letters and debt verification letters requesting that they validate this debt. 
I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company DNF, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX XXXX and XXXX. They ( Carmax Auto Finance ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year>XXXX  ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have had a private loan with Navient since XXXX  -- it started out at {$3500.00}, and is still almost that amount due. 

Since they are being sued, they are sending my loan to XXXX, they said, which I understand is also non-compliant. 

I had several private loans with Navient over the years when I attended a XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX. The remaining loan is from XXXX from XXXX, and I have been paying ever since. 

Is there anything anybody can do to help me? 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (CA)

Formal request via certified mail was sent to Navient on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to Navient resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our Navient account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXX 's security breach occurred in XXXX and lasted for weeks. My wife contacted Navient and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that Navient falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked Navient to amend and provide a good will adjustment to XXXX, XXXX and XXXX for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, Navient Customer Advocate, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. Navient continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (MD)

According to the FCRA account Apple Card-GS bank has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (PR)

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX - XX/XX/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 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

Upon reviewing my credit report I discovered an account by Transworld in Collections. 


I have mailed them XXXX letters requesting to send me proof of an originial contract for the alleged debt. I have not been provided the original contract. 

I am not liable for this debt with Transworld Systems Inc. I do not have a contract with Transworld Systems , Inc, they did not provide me with the original contract as requested.