davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-09
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 (TN)

Paypal is act like scam company. 
They close my account with my money inside. 
I try to contact the company many times but they not take my call and they not respond my message. When I try to withdraw my money they blocked me. 
When i try to withdraw money to my bank they reject the transaction for keep stole my I never had any problem before in my account. 
I never had disputed or charged back. 
All the time i respect the polices of the company. 
They close my account without any reason. 
They just want stole my money and this company does not respect the rights of users and is XXXX. 
My email is XXXX XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (IA)

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against TRANSWORLD SYSTEMS INC # XXXX FOR ALLEDGED BALANCE DUE {$220.00} XXXX reject your offer to contract I did not consent to any nonaffiliated third party TRANSWORLD SYSTEMS INC # XXXX to be in possession of my XXXX XXXX XXXX. I never gave any permission to TRANSWORLD SYSTEMS INC use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter STATING thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO your debt collection company ''. I now have reason to believe that you are all conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN XXXX THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND XXXX CALLING ON THE CFPB TO ENFORCE AND POLICE MY FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO. THIS IS WHERE FDCPA VIOLATIONS ARE FOUND IN YOUR LETTER TO ME YOU STATED " THERE CAN BE POSSIBLE CONSQUENCES CONNECTED WITH NONPAYMENT OF A LEGITIATE DEBT. '' UNLESS TIMELY PAYMENT IS MADE WE XXXX RECOMMEND TO OUR CLIENT THAT THIS ACCOUNT BE TRANSFERRED TO OUR TEAM PROFESSIONAL TELEPHONE XXXX '' .TRANS WORLD SYSYEMSINC BELEIVES SETTLEMENT NOW IS BEST POLICY. THIS IS A ATTEMPT TO COLLECT A DEBT '' BASED ON EVERYTHING YOU STATED YOU ARE IN VIOLATIONS OF THE FDCPA XXXX XXXX XXXX XXXX XXXX XXXX  AND UNDER THE FDCPA VIOLATIONS FINDINGS XXXX XXXX XXXX I EXPECT MY {$1000.00} PER VIOLATION FOR MY DAMAGES DUE IMMEDIATELY.
Consumer complaint received 2024-10-28
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. (GA)

After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up XXXX in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX  in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (MI)

I took out an auto loan with ally financial through the dealership I bought my car from back in XXXX. Then in XXXX I refinanced my loan through XXXX XXXX XXXX XXXX. Earlier this year I got a letter from XXXX XXXX stating they needed the lean recorded title sent to them which would have their name on it as the lean holder. I was on the phone with both institutions back in I'd like to say XXXX of XXXX and XXXX XXXX requested the lean release letter to be sent out. I was also to receive a copy and was told to take that, the title and my XXXX XXXX promissory note to the XXXX to get the lean re-recorded. About a week or XXXX ago I went to the XXXX and they told me I needed a notarized letter from Ally stating they handed the lean to XXXX XXXX. I called Ally that day and asked them to fax it over to the XXXX and was told it would get there within XXXX to XXXX business days. The XXXX also stated when they received it they would contact me. Now here we are today on XX/XX/XXXX and nothing has showed up. I once again called Ally and asked what was going on, they stated they could not send the notarized letter to my XXXX directly that it had to go to XXXX XXXX and that they would have to once again request it. Mind you this would be the third time XXXX XXXX would be requesting it. I had both institutions on the phone today and Ally claimed they sent the notarized letter to XXXX XXXX twice and XXXX XXXX claims they never got it. Now Ally has stated it will be in the mail to XXXX XXXX today and will take up to XXXX business days to get to them and then XXXX XXXX has to send it to me so I can re-record the lean. Meanwhile I now have to pay a significant increase of interest to my car payment causing my payment to go from XXXX to XXXX which doesn't seem like a lot but I am living off XXXX income due to the fact my husband is XXXX and can't work and we can not afford this increase. I find this whole situation unnecessary and have been given the run around. I contacted my lawyer who advised to put in the complaint to the CFPB to have this matter investigated and to be sure things are getting done as they are supposed to, so that I may finally get my part of all this taken care of and so my interest rate does not go up. I am afraid none of this will be done by XXXX XXXX 's due date of XX/XX/XXXX and I will be forced to pay the higher amount I can not afford.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX  XXXX {$14000.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX - XX/XX/XXXX Equifax XXXX CERTIFIED - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX XXXX, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX Credit XXXX Processing XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (UT)

Hello. I recently transferred from XXXX to Mohela. I've had 120 qualifying PSLF payments since XX/XX/2022. I have tried almost daily to call Mohela to ask if I either ( a ) should just continue to wait for final forgiveness, or ( b ) need to submit another employment certification form before XX/XX/XXXX. The average wait time is over 90 minutes. On multiple occasions the phone just hangs up or gets caught in some error recording loop. I have also messaged them twice and have not heard a response. I have been unable to speak to someone from Mohela. I am trying to identify how long I should wait for my loans to be " zero 'd out '' or if I need to submit another form.
Consumer complaint received 2021-09-06
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: Westlake Services, LLC (FL)

In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, westlake financial ( original auto loan lien holder ) and XXXX  XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to Westlake Financial to verify. They said to contact Westlake. I have contacted Westlake and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX
Consumer complaint received 2024-11-21
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: CITIBANK, N.A. (TX)

Your unauthorized derogatory rating has directly caused loan denials and increased interest rates across my credit accounts. This constitutes actual damages under federal law. You must immediately delete and block these negative marks from all three consumer reporting agencies.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I requested my XXXX score for the first time this XXXX in XXXX from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX  scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX XXXXXX/XX/2022 there are still no XXXX  scores available to me. 

Under law " XXXX XXXX XXXX  et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ''
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dorough & Dorough, LLC (GA)

1. Dorough & Dorough, ( D & D ) ( debt collector ) was fired by the XXXX XXXX and ordered to cease and desist all efforts to perform all services effective immediately. However, D & D ignored the cease and desist order, and filed an illegal garnishment and Writ of Fifa against me during the cease and desist period. ( Refer to attached exhibit 1 page 2 paragraph # 13 ). 
2. Refer to previous response by D & D to CFPB complaint # XXXX submitted on XX/XX/2021. 
a. D & D denies the allegations in my claim. However, refer to attached exhibit 1 ( letter from the association board ) as support that D & D was fired and was under a cease and desist order when they illegally acted and issued garnishment and Writ of Fifa. 
3. D & D agreed via a legal settlement document, signed XX/XX/2021 on behalf of the XXXX that the judgement and Writ of XXXX would be removed consistent with the agreed settlement schedule. The settlement agreement has been satisfied and D & D has reneged on the settlement agreement. To date the judgement and Writ of Fifa has not been removed. ( Refer to attached exhibit 2 XXXX signed agreement and Exhibit 3 Proof of Payment ) a. In addition, D & D agreed in writing to my counsel on XX/XX/2021 ( refer to email below ), that the release of the Writ of Fifa would occur once assessment payments through 2021 calendar year were satisfied. These 2021 payments have been satisfied.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-29
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. (GA)

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 2020-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I AM ABSOLUTELY FURIOUS WITH WELLS FARGO AND XXXX. I HAVE SUBMITTED SEVERAL COMPLAINTS AND NO RESOLUTION. IN XX/XX/2019 I WENT ON VACATION ALL PAID FOR BY XXXX XXXX TO XXXX XXXX XXXX. AT THE SAME TIME I WAS THERE, MY INFORMATION WAS USED WITH XXXX AND THEY CHARGED MY ACCOUNT FOR NIGHTS AT BEACH PALACE HOTEL. I OPENED A CLAIM WITH WELLS FARGO, I SUBMITTED SUPPORTING DOCUMENTATION INCLUDING THE LETTER I GOT FROM XXXX STATING THAT THEY HAVE NO PAYMENT FROM MY ACCOUNT, AND A RESERVATION WAS NOT CHARGED, BUT WELLS FARGO IS NOT GIVING BACK MY MONEY. MY TRIP WAS FULLY PAID BY XXXX XXXX AND I DID NOT AUTHORIZE ANYONE TO CHARGE MY ACCOUNT. I HAVE NO IDEA HOW A RESERVATION WAS MADE WITH MY INFORMATION AND IT WAS CHARGED TO MY ACCOUNT. I HAVE ATTACHED MY PAID ITINERARY FROM XXXX XXXX, INCLUDING STATEMENT SHOWING WHERE THE ACCOUNT WAS CHARGED, AND XXXX WAS THE MERCHANT THAT CHARGED, MY ACCOUNT, AND I ALSO ATTACHED AN EMAIL FROM THE MERCHANT STATING THEY DONT SEE SUCH CHARGED AND I SHOULD CONTACT MY BANKING INSTITUTION TO RECEIVE MY CREDIT. TILL TODAY WELLS FARGO HAS NOT GIVEN MY MONEY BACK AND IM FURIOUS!
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (TX)

Where do I start. On XX/XX/2022 Ally Bank Opened a Fraudulent Checking and Savings account. These account 's were not verified and I did not sign any account opening documents. Ally did not contact me to verify it was me opening these account 's and Ally did not send me a debit card or any account related documents, I have not received any financial transactions from these account 's. Then I further learn based on XXXX that Ally opened another checking account in XX/XX/2022. Again Fraudulent, and did not verify it was not me opening these account 's. These were opened by an identity thief and I did not receive any financial data or account related documents or items for these account 's. I find it interesting that I never received a debit card, checks nothing for these account 's Which I also reported to this company. On XX/XX/2022 These account 's were closed due to fraud. By me. Later I have learned that after the account 's were fully closed Ally Decided it was a good idea to go ahead and reopen the account 's once again not notifying me of this information. I received one letter dated XX/XX/2022 In this letter it says Here is a summary of the dispute ( Again no disputes were submitted ) In this letter it goes on to Falsely accuse me of having a relationship with this merchant of fraudulent transactions. Again, I am not sure where Ally is gaining their evidence but nothing has been provided to back their false accusations. It says this merchant is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX this is the first time I have ever received a piece of mail from this company. In their reason for decline it says We've concluded that no error has occurred and is considered authorized the disputed transaction was completed with a merchant with whom you have an established relationship. Again FALSE Accusations and incorrect information. Ally has not provided any documentation to back their false accusations. I then received a letter from Ally proceeding to tell me that I owe them {$4600.00} and that the account was reopened. Again all of their reason based on that letter was I have established a relationship with a MERCHANT IN ANOTHER STATE without proof, and AGAIN without a single debit card being received for these fraudulent account 's. I am a victim of Identity Theft and Ally is falsely accusing victims. Ally is also falsely and fraudulently conducting activity and stating I have an established relationship with these merchants when I haven't ever visited a single merchant that they listed. I do not believe they conducted any investigation and the actions being taken on the fraudulent account by closing and then reopening and then falsely accusing someone who didn't even receive a single debit card without proof seems like shady business and not how a financial instituion should be conducting conduct.