davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (CA)

I requested debt validation for this alleged debt and never received any response or reply. I have not consented to contract with this company and have no knowledge of who they are. It seems that the company is being fraudulently ran because its constantly going over Debt as if its something new and
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (IL)

I dont know anything about credit I was born with a XXXX  XXXX coming up that has been with me my whole entire life. Ive always had a reading comprehension problem to were I dont understand stand things even if I sit down and go over them.. so I dont understand how I have cards in my name with this credit stuff I barely understand credit due to my comprehension problem that Ive always had I never agreed to getting credit cards because, I dont understand things very well I know nothing about credit and I dont even own any of these cards.. I was in XXXX XXXX XXXX all my life so this is something for sure I know I didnt do because, I just dont understand
Consumer complaint received 2023-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

None of the options offered pertain to my situation, but I received a notice from National Credit Systems about a debt that was incorrect. A storage company, XXXX XXXX, claimed that I did not give them 30 days notice before vacating and demanded a payment for an additional month. I, in fact, gave them 60 days notice and I had an email and letter to prove it. I contacted NCS within two days of receiving the letter. Despite that fact, they would not return my phone calls and they would not confirm receipt of documents that I sent them showing proof that I had given notification of canceling the storage unit 60 days in advance. When I tried to talk to a manager, the manager cursed at me then hung up on me. They have not investigated the debt and despite me having submitted a dispute for the debt, they have reported the debt to the credit agencies and it is showing up on my credit report. They refuse to return my calls or acknowledge receipt of documents proving I do not owe the debt.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (TX)

They want a quote from a local company to fix the hard drive and I have contacted all of the local companies that due computer repair ( including XXXX XXXX ) and no one does hard drive repair. Now some do data recovery but that isnt what they are requesting a quote for. I did tell one of the agents this. I also tried to return the item since I couldn't I couldn't get a quote and I was told I couldn't return damaged merchandise. I have been hung up on multiple times trying to take care of this issue and I have been told that I would receive a call back that never happened. I have continued to make my payments and held up my end of the contract but they haven't. At first, they wanted pictures showing the item was damaged but you can't really take pictures of a power surge. I'm trying to get quotes from other companies but it's very difficult because I haven't found anyone so far that will quote me without mailing it to them. On top of this, there are a lot of companies that repair hard drives they will attempt data recovery but it's typically cheaper to get a new drive than to repair due to the issues that have to be done with them. The fixes include replacing the motor, the XXXX, the electronics board, etc. so I have done the research trying to find someone to fix it. Acima just doesn't want to hear it. I've contacted them through chat and they wouldn't help me either. At this point I'm ready to file a lawsuit with the small claims court because of this situation.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (OK)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (TX)

My first step was to check the website/app and I found " Close account '' on the mobile app and on the web, however I was directed to a page that required closing PayPal Credit before closing Paypal. When I selected that link, it took me to a page with a Customer service phone number. I had to manually enter the phone because the link with " Call '' did not work. When I called the number on my cell phone, it was an automated system that required some identity information and finally put me into a queue for Paypal Credit. I had to go through the second repetition of giving the same information and I was placed on hold to speak to a representative. The representative I spoke with stated she would close Paypal Credit because I had no balance nor pending transactions but I would have to wait XXXX days and then call back to see if the account was closed and then I could repeat the same actions with Paypal to close that account. Three days later, I went back through the process above and I was told by a representative that Paypal Credit was not closed and she had no explanation. She was not very helpful so I went back to the mobile app and chatted with a virtual assistant who said the Paypal Credit had been closed, but when I tried to close Paypal I was denied again indicating that I needed to speak with a representative. This same scenario was repeated over that day and the following two days. The virtual assistant stated on a second day that the account was closed, but now some of the human assistants said it was closed and some said it was not. They gave me a phone number to XXXXXXXX XXXX, stating they would have to close it, but that failed because it was not the bank 's phone number but Paypal credit once again. They transferred me to Paypal on one phone call but they stated that they checked and Paypal Credit had still not been closed. The last person I spoke with at Paypal Credit stated she would try to do it herself and then close Paypal but I would just have to wait another XXXX hours and check back. I got the impression that Paypal does not wish to close accounts and created steps that prevent closure and leave the customer with only two solutions, one being give up and the other is to file a complaint. I have spent four business days attempting to do everything required with no success.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (MO)

My previous complaint was : opened an account with Marcus by Goldman Sachs on XX/XX/XXXX, on that date I also deposited {$150.00} into the account. On or about XX/XX/XXXX, I attempted to deposit additional funds into the account, only to find that my account had been locked. I have called this company every business day since then trying to resolve the matter. I have given them every possible piece of information I could in order to prove my identity to them, but they claim they can not unlock the account, nor can they tell me the reason the account was locked. Additionally, I have not been allowed to cancel the account or access my funds. That complaint was closed because Goldman Sachs sent me an affidavit of Identity. Since then, I returned the document that was requested, signed and notarized. Goldman Sachs then closed my account with no warning and without being prompted to do so. When I called and asked why it had been closed they stated that they did not know why it had been closed. Additionally, they have still not unlocked the account or given me access to my money, claiming that they did not have the aforementioned affidavit.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (KS)

Aspire XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to Aspire XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with Aspire was closed on XX/XX/year> after notifying Aspire to effectively shut the account down. Aspire notified XXXX that the account was closed on the above date. Aspire failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

XXXX shows Aspire as being currently open and active and has an update on XX/XX/year>. XXXX shows all payments have been made on time without issue. XXXX shows that a payment made for XXXX of XXXX was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on XXXX as well proving that Aspire has failed to follow 15 USC and properly report credit to protect consumers.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (ID)

I am writing to dispute the accuracy of unauthorized inquiries currently reported on my credit report. This communication constitutes my Round XXXX dispute under the Fair Credit Reporting Act ( FCRA ) for the following inquiries : Inquiry Information : Inquiring Company : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XXXX XXXX XX/XX/XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have established linked accounts to transfer funds between my other bank to XXXX by Goldman Sachs Bank. I have been transferring small amounts of money in and out without any problems. When I tried to transfer a larger amount, my account was frozen. I called the customer 's service on XX/XX/year>, and was told I answered my previous address information incorrectly. They were sending an Affidavit of Identity for me to fill out and get notarized. After not receiving it for over a week, called them again and was told that it takes XXXX days. It's now been XXXX  days and still have not received it. I XXXX online and found many similar complaints and was able to print out a copy of the Affidavit from the website. No clear instructions as to where to send the affidavit. Address on the form ( XXXX  ) and from website ( XXXX XXXX XXXX XXXX ) are different.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (MA)

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 : Accounts ; XXXXXXXX XXXX XXXX XXXX US DEPT ED 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

Issue : National Credit Systems is incorrectly reporting a collection account ( C ) on my credit report every month from XX/XX/2024 to XX/XX/2024, without a change in the status of the debt. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a collection account once, when the account is initially deemed uncollectible. 
XXXX XXXX XXXX XXXX : A creditor can not report a collection account every month, only when there is a change in the status of the debt. 
Violations : National Credit Systems reported a collection account ( C ) every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
National Credit Systems failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my credit score Emotional distress Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : National Credit Systems ' reporting of a collection account every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold National Credit Systems accountable for their actions. 
Relief Sought : Correction of the errors on my credit report Damages for the harm caused by National Credit Systems ' inaccurate reporting Penalties for National Credit Systems ' violations of the FCRA and XXXX XXXX guidelines
Consumer complaint received 2024-06-24
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I bought a mattress and a bed base on XXXX XXXX on XX/XX/year> for a total of XXXX $ but i opend a synchrony bank account i used it for that purchase because i have at least 36 months without interestXXXX XXXX delivered the set but the bed couldnt get in to my apartment.they return everything to slees numbert.when i called XXXX XXXX again they said the should ask me info about my apartment before i purchase the bed because its one piece.they said its not my fault they not gon na charge for that i have the prove of that to.every was finished.on XX/XX/year> i bought only a XXXX mattress for XXXX $ to pay in a year they delivered the mattress every thing was good.the never send me the card i had no ifon to pay the called me afer about one month 1/2 to infom me i wasnt paaid i told them i dind receive any card nor info to pay they said i have to pay XXXX $ each month to pay the full money in a year i accepted they took the money every months but synchrony bank over taking XXXX $ more after a year the refuse to give me the money back.i called i send letters with prove the never give my money back instead the say i have to pay more.they rob me XXXX $ and i need that money back.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (NV)

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 : collection 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 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 2024-08-17
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

In accordance to the fair credit reporting act, this creditor, Wells Fargo, XXXX and XXXX XXXX has violated my rights under 15 U.S C 16 section 602 states I have the right to privacy. 15 U.S C 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : This is my second time contacting you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please delete ALL other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX is NOT my address. XXXX XXXX XXXX XXXX XXXX XXXX is NOT my address. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

Please also remove all employer names from my report. I do not know why XXXX  XXXX XXXX is listed as my employer because I never worked at this place. This information is incorrect so please REMOVE all employer information immediately. I attached my id, SSC and valid proof of address to this letter.