davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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: Goal Structured Solutions, LLC (FL)

Launch Servicing bought a loan from XXXX starting XX/XX/202 for our Solar installation. We have had this loan for about 8 years and never missed a payment. XXXX said they transferred XXXXXXXX XXXX payment over to Launch on XX/XX/XXXX. Launch has been contacting me since XXXX saying we are late and they never received payment. I sent them bank statement proof through the online portal. They said they don't see it. I have called them at least twice a month from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did a 3 way call with them and me and verified payment was received and sent over. They also sent an email that day with accounting proof of payment. My credit score has been tanking recently since they are showing me delinquent over 60 days. There is only one number to call which is customer service. I can not speak to anyone in authority there. They promise someone will call me after every phone call. I have yet to hear from anyone. They are still saying I owe now for XXXX, when they payment was made on XX/XX/XXXX.
Consumer complaint received 2024-02-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

They canceled my no interest promotion because they claim I went 10 days past due on my account, which is not true. I never went 10 days past due. I even spoke to a rep herself that sent in a request to get my promotion reinstated because she said she could not find where I was late more than 10 days. I was also told by the store rep at the store when we took out the loan that the interest would begin after the 12 months if it was not paid in time. Not that it was going to be added from the first day of purchase. I shouldve owed XXXX dollars and they added almost XXXX dollars of interest to my account and refuse to assist in getting that reversed for their error.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to. I will be placing complaints with the CFPB, the Attorney General, and the XXXX major Consumer Reporting Agencies
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

In XXXX of 2023 Westlake portfolio Management falsely reported information affecting my XXXX XXXX. They lied about payments and have been harassing me for payments when in my original contract it states I don't owe anyone anything after breaching. I've currently been extorted for {$700.00}, and they have stolen my car with my child 's car seat and her medication. They have also sent lawyers to intimidate me and got my court case canceled through false representation.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ideal Collection Services, Inc. (FL)

Formal Complaint Against Collection Agencies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against this collection agency, IDEAL COLLECTION SERVICES, regarding their relentless and harassing behavior, including constant threats and incessant phone calls. It has come to my attention that this agency are erroneously claiming that I resided in different apartments simultaneously. 

I have been subjected to an overwhelming and unprofessional level of harassment, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). The incessant calls and threats have created undue stress and XXXX, impacting my daily life and overall well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene and investigate this matter thoroughly. I am seeking the following resolutions : XXXX. Immediate cessation of all harassing communications from IDEAL COLLECTION SERVICES. 
XXXX. Elimination of the inaccurate information from my credit report, as it adversely affects my creditworthiness. 
XXXX. An official investigation into the questionable practices of the aforementioned collection agencies. 

Enclosed with this letter are supporting documents. I believe a swift and thorough investigation into these matters is crucial to rectify the inaccuracies and protect my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures fair and ethical treatment from these collection agencies. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (WI)

On XX/XX/2021 My sister with whom I do not have contact with was contacted from XXXX  XXXX bank asking information about me. On the same day my sons mother with whom I am no longer with received a call looking for my son for information. He is only XXXX XXXX XXXX. I called and spoke to them and was informed that they use a third party vendor for this information. All of this was unnecessary as I have had contact with them within the last month and my information has not changed. Following speaking with Sallie Mae my sons mother called and was able to access my account information and have him removed. I am not sure how they would have given her access to the account as she is not listed and has never been listed as a point of contact.
Consumer complaint received 2021-02-11
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. (NC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2023 I was contacted by the prson who ended up being the scammer. I was contacted to purchase two items that I had for a=sale on XXXX told the person they would have to pay me cash, but the person told me that was too much money for a cash purchase ( around XXXX ) so they proposed they would pay me from PayPal. I agreed so they told me they would send me Paypal money. but then the buyer said they had a Paypal business account and since my Paypal was a personal account they could only pay me in XXXX at a time. so they would send me XXXX and I would send them back XXXX So the man sent me emails telling me how to send them the money. I filled out a PayPal for XXXX ( including fees ). the email said that if I wanted a Paypal business account they would help me get it. By the way, I never received the XXXX promised, but I did send them XXXX ( PayPal agrees on the amount ) To get a Paypal business account, I would send this Paypal person XXXX ( including fees ) and I would get money back into my account. The man told me what amount and to whom to send the money ( this was a fictitious amount [ a scam ) so I sent the XXXX to the man who I will name later So total I was scammed in the amount of XXXX. I told the story to Paypal with the fees and Paypal told me my bank had to agree and tell Paypal to reimburse me th money ( XXXX ). My bank told me Paypal had to reimburse me and Paypal told me they had to receive instructions from my bank. Neither happened which is why I am contacting you. There may be detail missing because I had to type everything over, because your form would accept a copy of my documents.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC (KS)

On XX/XX/2024, I received a collection notice from Apelles LLC to collect a debt allegedly owed to XXXX XXXX XXXX XXXX. I have disputed this balance with XXXX for the past several years as it is the result of credit card fraud. Apelles LLC is attempting to collect a debt that is not owed because it is the result of identity theft. To ensure that Apelles can not claim that I did not dispute the debt in a timely manner, this complaint will serve as proof of that correspondence and proof of documentation provided to support the dispute. I formally request that if Apelles LLC is unable to provide certified proof that they OWN this debt, they cease and desist all communications and collection attempts. I have no contact nor contract with Apelles LLC. If Apelles LLC does own the debt, they are required to provide documentation as required by federal law to prove that I owe the debt due to my reporting of identity theft.

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account via USPS CERTIFIED MAIL : 1. Application records or screen prints of Internet/phone applications 2. All stat
ements 3. All payment/charge slips 4. Investigators summary 5. Delivery addresses of purchases made with the card/account 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and individual charges 8. Any other documents or records associated with the account Please send me a letter via USPS CERTIFIED MAIL detailing the actions you have taken to : 1. Notify the original creditor that the debt is the result of identity theft ; 2. Stop collection proceedings against me ; 3. Cease reporting this information to the credit reporting agencies ; 4. Provide me with the information I am requesting ; and 5. Take all actions required of you as a furnisher of information to credit reporting agencies.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 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
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

You have been furnishing inaccurate information to my consumer report and un multiple occasions you have certified that the information been reported is a accurate and failed to correct the inaccuracies. I have attached a copy of the information been reported such as payment history and account closure date.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Around XX/XX/XXXX, I saw an ad on XXXX XXXX XXXX XXXX, promoting loans and home investments. Being a person who XXXX XXXX XXXX and wanting to fund one of my projects, I approached them with the intention of taking out a loan in order to get the project started. I was informed that I would need to make a deposit in the amount of XXXX XXXX  as an insurance, which would then be returned to me after 14 days. 

Almost a month passed, and I did not hear anything back from anyone from XXXX XXXX. 

I got in contact with a lawyer from XXXX XXXX XXXX, a fake law firm which was supposedly dealing with these types of cases, and was recommended as a go-to point of contact in case someone needs assistance. However, the representative I was communicating with feigned ignorance in regards to the transfer I made to XXXX XXXX. 

The XXXX transfer of XXXXXXXX XXXX was made on XX/XX/XXXX from XXXX XXXX XXXX  account in XXXX, through my XXXX account, and to the Bank of America account of one of their shell companies. 

I am kindly asking you to investigate this matter thoroughly, and assist me in recovering the funds I lost to this fake loan company. 

I tried settling this matter with the Bank of America directly, as they were the recipients of the funds, however despite their promises to get back to me with a resolution, they never did. 

Attached, please find the letter containing all of the supportive statements, screenshots, and further evidence.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023 I signed into my Wells Fargo online checking account via Desktop computer. Began a Bank Transfer to another linked bank as I often do. As of recent, a security code is sent to my cell phone on my profile. After pressing resend link XXXX times, the code never went to my cell Text. I looked for a drop down to send the code thru Voice Call or Email on file. There were no other options other than text to cell on file. Wells fargo agent had me send a text Help text, then I received a Wells Fargo Test text without issue. 
In summary, Wells Fargo Blocked, denied access to my own personal money deposits and would not allow a Bank to Bank Transfer without receiving a text code due to technical issue with Wells Fargo. It is mandatory, Online Transfer can NOT be conducted unless the customer has a Cell phone app. If my Cell phone was lost, damaged, or not available, or If I could not afford a cell phone, WElllS Fargo Bank is blocking use of access to my Deposited money transfers to Linked Banks or Debiting. Wells Fargo is forcing customers to use only a Cell phone to make on line transfer debits. if the technology is failing, customers are Blocked/locked out from accessing their money online.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I've never had any issues with the Credit Bureaus until 2 years ago when they started allowing random companies post false information on my credit report. For instance, I graduated from XXXX but I paid off my balance that was not part of my student loans yet there's another charge on my credit report that XXXX doesn't know about. I disputed it with Experian even showing them a screenshot of the zero balance yet they keep it on my report. Then other accounts followed so now my credit report is the worst its been in years because they refuse to dispute and remove this false information properly.
Consumer complaint received 2023-07-19
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. (TN)

Equifax is reporting a account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over 30 days. Equifax is also reporting a account name XXXX XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them 30 days ago.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

while reviewing my Equifax credit report I noticed multiple inquiries to my report that I did not make the inquiries in question are Certified Credit Report inquired on XXXX XXXX XXXX XXXXXXXX inquired on XXXX XXXX Inquired on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA I contacted Equifax customer service to resolve this issue on XXXX at approximately XXXX hours I spoke to XXXX XXXX and informed him of the issue above. I was told by XXXX that ALL inquiries regardless who makes them are factual and can not be removed. I then inform XXXX that to not allow dispute of inaccurate information was a clear violation of FCRA law. 
I request that Equifax remove these inquiries immediately, I also request documentation to prove that Equifax is acting and maintaining compliance with the Fair Credit Reporting Act.