davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DE)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NV)

am not liable for this debt with SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX, VA XXXX Phone # ( XXXX ) XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said Spring Oaks Capital Lcc keep saying is accurate and they won't provide them with any verification.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (SC)

BridgeCrest, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (CA)

XXXX XXXX  I never signed the contract. The amount was {$26000.00} year was XX/XX/2018 The company XXXX never verified my identification I never signed the contract. And I still owe {$25000.00} the loan never goes down could you please investigate that for me? I dont think it was correct with the way they did. Thank you, XXXX.
Consumer complaint received 2024-01-07
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX  Event was oversold, a safety hazard, delayed start and the tickets were not as described. Citi never sides with me and I had to reach out multiple times to the CFPB for them to give me a proper response. This time when they responded I was in XXXX XXXX  and was unable to provide the evidence they required. I would like to be able to provide the evidence required so I can get a refund.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSWORLD SYSTEMS INC (PA)

Subject : Dispute of Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 Transworld systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number XXXX. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt. 

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete. 

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TX)

XXXX & ACIMA Digital FKA SIMP is breaking the consumer law pertaining to Acct # XXXX and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE
Consumer complaint received 2024-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMW Financial Services NA, LLC (NY)

On XXXX I contacted Alphera Finacial Services, to opt out of the sharing of my personal information with non-affiliated third parties.

Despite my request, Alphera Finacial Services, has continued to share my personal information with third parties. 

I have attached a copy of my opt-out notice to this complaint.
Consumer complaint received 2024-01-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saving that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called XXXX XXXX. Sec. XXXX ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : # # # # # # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROVIDENT FINANCIAL SERVICES, INC. (CA)

About 2 years ago I had some issue with my Provident XXXX XXXX accounts, the bank decided to close up some of my accounts, because i had not put in any money for a few years, only nobody cared to notify me. Also, the account were I did have money they were charging me fees I did not know about so I decided to take my money elsewhere, and had them close all my accounts. I have not been able to have them close my accounts properly to this date, and I still receive e-statements. It has bene impossible to even access my own account online, to close it, and they have not been of any help. I even tried to update my billing address, and had no luck. 

I'd like to have them close it all for good, and send me a confirmation they have done so. 

At this point these accounts are obsolete, and I have asked too many times to close them up.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NY)

There was an inquiry on my credit report ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) and ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) regarding a loan inquiry in which I never lawfully gave them permission to do a " Hard Inquiry ''. I want these inquiries removed from my credit report and One Main Financial to be responsible for this illegal action taken.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have checked your company credit report by gaining revised one, even though there is a question how we will gain another revised credit report after 6th time to check whether my credit report has revised and corrected. I have noticed that XXXX XXXX alert has removed ; however, I request the formal explanation why this alert has added to my credit report, since I have difficulty to understand the reason this happen. I believe your company and other credit companies in the United States have that responsibility, since I argue with my XXXX friends and others globally. 

Since your company requested me to provide the specific reasons of disputes with my credit report, which looked so simply, I have decided to go through. Same as other credit report companies in the United States, which I do not know the existence of similar character companies in XXXX, I have decided to inquire following companies : 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 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. ()

On XX/XX/XXXX, Mercury XXXX suddenly closed my account and I couldnt log in. 
On XX/XX/XXXX, Mercury XXXX  informed me that I violated the usage agreement and closed my account. 
On XX/XX/XXXX, I logged in to my account and it showed that my funds were sent in the form of a check. 
On XX/XX/XXXX, I sent an email requesting to change my address, but there was no reply. 
On XX/XX/XXXX, I sent an email to contact you, but there was no reply. 
XX/XX/XXXX, no news about the check Mercury XXXX closed my account without notifying me. The money in my account is currently being shown as sent by check, but it was sent to the wrong address. I have tried to contact them but have not received any response. I hope that Mercury XXXX can transfer my money to the specified ACH account.
Consumer complaint received 2024-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I received a letter dated XX/XX/XXXX from a debt collector named Online Information Services about a debt due to XXXX XXXX for the amount of {$280.00}. I attempted to contact the debt collectors on XX/XX/XXXX and on XX/XX/XXXX - both times the automatic system only looped or sent to a voicemail. I contacted XXXX XXXX on XX/XX/XXXX to get information on the account. They advised my name was on it but the address on the account was a XXXX address and the email on file had the name of an individual I didn't know. They transferred me to another customer service department that filled out a report to create a case and investigate. They advised us to make a report with the Federal Trade Commission and local police department due to identity theft.
Consumer complaint received 2024-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX, there was an unauthorized inquiry on my credit report that I did not authorize. According to the Fair Credit Reporting Act, I would like to ask that this inquiry be investigated and removed immediately from my credit report. Please confirm in writing once this has been done. Thank you for taking the time to look into this matter.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IN)

Earlier this year back in XX/XX/XXXX or XX/XX/XXXX of this year I made contact with General Revenue Corporation in regards to a debt I owe XXXX University for a semester 's tuition. I called General Revenue to set up a payment plan in regards to the debt I owe. Initially when calling them General Revenue asked for the full amount of {$3100.00}. I do not know the exact dollar amount, but it is an amount I nor no one I know has the funds to pay. Under the XXXX of the constant past phone calls and letters in the mail I went with the payment plan option I was offered. The plan was for an amount of {$190.00} to come out bi-weekly. Once I realized my mistake I immediately called back General Revenue to if not delete the payment plan negotiate for a much smaller amount that will not affect my bank account so heavily. Unfortunately I was too late everything was finalized and nothing else could be done outside of paying the full amount. 

The next day I immediately went to my bank to block access to General Revenue so the funds would not be taken from my account. I put an ACH withdrawal stop so the funds of {$190.00} would not be taken out as payment. Unfortunately earlier this week in checking my bank statements I could see a check had been cleared in the amount of {$190.00}. I called my bank to see why this had occurred and was informed that it seems the money was pulled directly from my checking account and not my debit card. At which point I realized I had mistakenly setup the payment plan with General Revenue using my checking account number and not my debit card.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout my history with this account, I've consistently maintained timely payments, never allowing them to lapse into overdue status. The existence of late payment remarks on my accounts perplexes me. I refer to 15 USC 1666b, which mandates the correction of billing errors.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 information is inaccurate.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (KS)

I recently applied online for a personal loan with Discover Bank to help consolidate my credit cards. After checking my credit, I got a message congratulating me on being approved for a {$20000.00} loan. They allowed me to choose the length of the loan, ( 48 months ) and Discover set the loan at a 12.99 % interest rate. Discover then asked how I wanted to receive the funds, by mail or direct deposit, and to list any creditors I wanted them to pay-off on my behalf. I filled out of that information and was told to expect the funds within 3-5 business days. Then as a final step to verify terms and conditions, I spoke with a representative, who asked very intrusive questions on why I needed the money, and why did I use my credit cards to pay for gas and groceries instead of using cash. 
After 30 minutes on the phone it was clear that I was being made to apply for the loan all over again, and was made to feel like I was begging for free money instead of money I would be paying back at a high rate of interest. 
Today, 3 days after applying, I received a letter in the mail saying the loan was denied because of " Excessive bank card balances and usage '' That makes little sense when the whole purpose of the loan was to consolidate credit card debt, which they knew from the very beginning before I got the message the loan was approved. 
I feel this is a case of discrimination because everything was fine and all set until I talked to the Discover representative on the phone at length, and he realized I am XXXX. My credit is good and I pay my bills on time every month, so why was a loan that was already approved suddenly not approved?
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

There is not a more clear and obvious case of a company violating the FCRA than this. 

This relates to my disputes of inaccurate late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a letter from XXXX XXXX to me. The letter clearly advises that XXXX XXXX submitted my Dispute to XXXX  on XX/XX/24. 

The letter goes on to advise me that Equifax never replied. XXXX XXXX clearly waited for the required 30 days before sending me the letter. 

The failure by XXXX XXXX XXXXnvestigate within 30 days and timely update my credit report is a clear violation of 611 - 15 U.S.C. 1681XXXX. They have a clear legal obligation to reply to XXXX XXXX ( reseller ) and convey the results as required by law. They filed to do so. 

( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Because the company failed to verify the accuracy of the items in question, the agency must IMMEDIATELY and PERMANENTLY delete them. This is a requirement of law, and not subject to excuses. There is indisputable proof the credit bureau failed to investigate or response within the time frame required. The proof comes in the form of a formal writing from another Consumer Credit Center that is attempting to comply with the law, but has been prevented from doing so by the credit bureau.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Information on report does not belong to me. I have disputed and asked for information showing accurate information and what information reporting agency recieved showing validity of account and never recieved information. I have supplied police report and report to fcra and still inaccurate addresses and accounts remain on my report with no proof of accuracy. I have supplied this information to XXXX, transunion and XXXX and still no correction.
Consumer complaint received 2024-01-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Hello, I bought {$2900.00} of flooring from the XXXX XXXX on XX/XX/2022. I was encouraged by the salesperson to take the Home Depot credit card because my purchase was over {$2000.00} so I could get 24 months interest-free. I took the offer because of the 0 % interest. Otherwise, I would have paid out-of-pocket on the day. 
Once the first bill arrived, I divided the total amount by XXXX and set up XXXX equal auto-payments of {$130.00} so it would be paid off before any interest accrued. I didn't go back to look at the account or the agreement once it was up and running. 
So now that 12 months have gone by, I did log in just to see what the balance was, expecting to see about {$1500.00}. Well, no, in fact they started charging me interest in XXXX after only XXXX months, including deferred interest. 
I talked to a couple of XXXX call center people, including a XXXX. They were very nice, but they were reading off a script and would not deviate from the script. They were only authorized to adjust the interest from the most recent 60 days, and only if I paid the full balance immediately. 
So far, Ive been charged about {$700.00} in interest charges, which I would like to be removed from my account. I would be happy to pay off the entire balance immediately and close the account, but I dont want to pay the interest. 
I see on the CFPB website that dozens of other consumers have had the exact same experience. Can you help me resolve the issue, please?
Consumer complaint received 2024-01-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/XXXX  i used Apple Cards chat feature to ask for a payment plan to get caught up on a past due bill. They said no payment plan was available. I asked them what my minimum payment was and they told me. 
Then the agent put an unauthorized payment in for {$1000.00} from my bank account. I tried to get them to cancel it and they told me to contact my bank. They only said sorry but that is a lot to potentially lose. My bank will put a stop payment but theyll charge me to do it.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

XX/XX/2023, ( Ref ID - XXXX ), PayPal decided to cease offering me their financial services. I would like to escalate this matter to executive escalations as the support team is unable to resolve my concerns with my account 's status. 

XXXX XXXX