davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-04
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. (GA)

On XXXX I sent a letter regarding unauthorized inquiries on my credit report to this day 10 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 605b it is plainly stated that 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 it has been over 5 days after the date of receipt so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IN)

My name is XXXX XXXX. 

I am a PayPal customer with email address XXXX Last year, PayPal frozen my account and withheld my money which I received from the state and ruled that I will have access to my money after 180days due to high risks which I didn't understand about.

PayPal is using same techniques to steal customers funds as thousands of people have Complaint about it too.

PayPal told me that I would have my money on XX/XX/2021 through emailed last year when I raised a concern appealing to get the limitation removed. 

I have waited so Long and on XX/XX/2021 I got email from PayPal saying my funds were eligible for withdrawal. But when I want to link my debit card to withdraw it, PayPal says there is issue with my account and I should contact customer service.

I have been PayPal contacting customer service to make adjustment for me to link my debit card to withdraw my funds since the previously linked debit cards are not active. But PayPal customer service representatives I have come in contact with are unprofessional and untrained as they always give a copy and paste response which doesn't even partain to the issue I raised.

My only issue is that I want to be able to link my debit card so I can withdraw my funds.

I want anybody attending to this Complaint to forward this to a specialist in the limitation department to resolve my issue and then to get in touch with CFPB, California Attorney General and XXXX that they have made the adjustment for me to add my debit card, and also I want PayPal to give me a call.

I want to also suggest that the management of PayPal should retrain the customer support teams to handle customers Complaints effectively and not the hectic " copy and paste '' response everyone is complaining about which doesn't resolve any issue.

Also if PayPal put customers account on limitation and ask the customer to wait for 180 days before having access to funds, PayPal should make sure that after 180 days, all features for the customer to withdraw his/her funds are made available so that the customer will withdraw his/her funds without having to contact the untrained support which doesn't exist. 

I have sent more than 50 emails and messages to PayPal without any solution and it's very sad other customers are going through the same process.

After the 180 days, PayPal should enable all features for exit of funds to the customer.

I need my issue resolved and I will never use PayPal again.

I will attach the error message which I receive, a screenshot of email from PayPal saying my funds were eligible for withdrawal I need my issue resolved asap without any delay.

I don't want a response that doesn't resolve my issue.
Consumer complaint received 2021-07-04
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. (GA)

I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer report.
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

I have been paying the original creditor believing I was paying my debt off as agreed in out payment arrangement. The XXXX  informed me their computer automatically sends accounts to CMRE financial. So I called CMRE and made arrangements to pay on all accounts they had collected from XXXX and made.payment arrangements and paid as soon as I hung up on he phone. CMRE is in violated of our payment arrangemen, as I have them in a recorded line stating the arrangement and that my credit would no longer be affected by each account individually, as the accounts had been merged. I have been paying 2 payment arrangements of {$35.00} each to two hospitals and now a thrid arrangement with CMRE. I have the recording and can have a transcript made if that helps. These are amounts that were paid on and still had them turned into collections, whom gave no opportunity to resolve the issue before my credit was affected and now is not holding up to the payment arrangement they agreed to.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (IL)

Good Morning I have a loan through credit fresh. when i first opened this account i was told it was a line of credit in which {$50.00} would go to the fees and the rest to the loan. This has never happened. I have called 2x to ask for the exact breakdown of what percentage is going to pay back my loan and what is going to the fees/interest. They can not provide this in writing nor over the phone. They debit every payday ( 2x per month ) and most of the debits go to the fees and hardly to the principal. I need to know exactly how this is being calculated and how much it is. I need to know if there is something to do to have more go to principal as most of the payment goes to the fees and it is a huge amount. for example, if my payment is XXXX about XXXX went to fees and that is 2x per month
Consumer complaint received 2024-03-22
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. (NY)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Collections that are being challenged XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as delete the Accounts from my report during the investigation period. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (KY)

LVNV Funding LLC Reference # XXXX. 

I have been notified that my identity had been compromised due to the XXXX data breech. 

I noticed a collection account from Resurgent / LVNV Funding LLC via XXXX XXXX. I have never had a XXXX XXXX  account and XXXX XXXX  is not reporting in my credit file. Resurgent / LVNV Funding LLC has sent me three letters dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

I sent certified mail ( Document attached, Resurgent.pdf ; Page 1 ) that was signed for XX/XX/XXXX. I filled out the form Resurgent / LVNV Funding LLC asked me to fill out ( Document attached, Resurgent.pdf ; Page 4 ), Resurgent / LVNV Funding LLC asked for a notarized copy of their document ( Document attached, Resurgent.pdf ; Page 5 ). 

( Document attached, Resurgent.pdf ; Page 6 ) shows a copy of a XXXX XXXX  statement addressed to XXXX XXXX ( Not my legal name ) with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never lived in XXXX. This is a fraudulent address, on a fraudulent account. This address is not on my credit profile. This collection account needs to be removed as it does not belong to me. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

I sent a wire transfer for {$4400.00} on XX/XX/XXXX to an account holder in XXXX XXXX XXXX XXXX. Money was taken out on XX/XX/XXXX and the wire transfer confirmation email said Money will be available on XX/XX/XXXX. It's XX/XX/XXXX and the money is still not available in the recipient 's account. 

As per XXXX XXXX  XXXX XXXX, they never received XXXX from wells fargo. I have called thrice, XXXX XXXX  XXXX XXXX has reached out thrice, but Wells Fargo is so inefficiently handling this. 

The recipient is losing interest on the money ( which is not a small amount ) and the fee that was reduced from my account is useless as the transfer never happened.
Consumer complaint received 2021-07-03
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: Velocity Portfolio Group (NJ)

Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-22
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. (FL)

Upon reviewing my recent statement, dated XX/XX/year>, I observed inaccuracies that require immediate attention. 

Statement Closing Date : XX/XX/year> On XX/XX/year>, the previous balance was noted as {$1300.00}. Subsequently, I made a payment of {$1300.00}, effectively reducing the balance to {$20.00}. However, despite this payment, the credit bureau was informed that the balance remained at {$1300.00}, which does not reflect the accurate status of my account. 

Additionally, I noticed an interest fee of {$20.00} was charged, despite the payment being made prior to the statement closing date. This discrepancy is alarming and requires urgent investigation. 

I hereby formally request a thorough review and correction of this discrepancy. It is imperative that the balance reported to the credit bureaus accurately reflects the true balance as of the Statement Closing Date : XX/XX/year>. 

I expect prompt action on this matter and request that you provide me with a detailed explanation of the discrepancy and the steps taken to rectify it. Please ensure that my account records are updated accordingly and that any erroneous information provided to the credit bureaus is corrected. 

Thank you for your attention to this matter.
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (IL)

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC. (MD)

This loan was established in XX/XX/2023 ( approximately XX/XX/2023 ) for XXXX  treatment via XXXX XXXX XXXX. The loan was marketed as a XXXX XXXX XXXX XXXX payment plan and is managed by Healthcare Finance Direct. 

XXXX XXXX XXXX has materially breached our contract for XXXX services. Recently, XXXX XXXX XXXX filed for bankruptcy protection. According to my former XXXX XXXX XXXX treating provider, XXXX XXXX XXXX is no longer a legal entity. All global operations have been shut down. In addition, XXXX treatment is no longer available. What's more, I have been advised by my former treating provider to cease any current treatment under the XXXX XXXX XXXX plan and seek treatment with a local provider. As stated above, this a material contract breach. As such, Healthcare Finance Direct is not entitled to collect any further payments on behalf of XXXX XXXX XXXX. If Healthcare Finance DirecXXXX continues collection efforts, I will file an additional complaint with the Consumer Protection Division of the Maryland Attorney Generals Office and/or file suit in state court to obtain injunctive relief to stop any further collections and damages. 

I am attaching emails from my former XXXX XXXX XXXX treating provider as well as notices from XXXX XXXX XXXX and Healthcare Finance Direct.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, the account is still being reported on my credit report. I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account. They have assured me that the account will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

On Thursday, XX/XX/XXXX, I spoke by phone with XXXX of the CFPB, employee ID XXXX. She gave me the number for HUD, where I spoke with XXXX who initiated a three-way call with Mr. Cooper where we spoke with XXXX who refused to give an ID number, location or her position. The call did not resolve the issue, but XXXX did acknowledge that I am not in arrears and never have been. I have never missed a payment. 
XXXX claimed that Mr. Cooper is " required by Washington state law '' to send me " pre-foreclosure information. '' This is a lie. There is no such law and I am not in arrears. 
XXXX did not resolve the issue. The most she would offer is to " look into the issue. '' She claimed not to be aware that pre-foreclosure papers had been sent over the course of many months. I do not believe her. 
And if it is true that Mr. Cooper/Nationstar doesn't know that these threatening documents are being to us, then Mr. Cooper is NOT monitoring its compliance with the XX/XX/XXXX settlement agreement reached between CFPB, Washington state and Nationstar/Mr. Cooper. 
Mr. Cooper 's harassment has caused me serious XXXX XXXX XXXX  harm. I and my husband are elderly, and have grave health problems - exacerbated by the continual foreclosure threats over a period of years. 
I am filing with Washington state a complaint of elder financial abuse ; for this is what we are experiencing. 
I need the CFPB 's assistance to shut down this continuing fraud by Mr. Cooper/Nationstar. 
Please help. I have attached some of the most recent documents, but have many more in my files dating back to when this problem first began ten years ago.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On two different occasions I sent letters to Transunion about my inquiries. I have not received a response from Transunion. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..
Consumer complaint received 2021-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (IL)

I voluntarily turned my car over on XX/XX/XXXX after several requests for assistance that were denied. Santander Consumer USA holds the title to the car ( XXXX XXXX XXXX ). I have informed them 3 times via phone that I turned the car in to XXXX XXXX in XXXX, TX. The most recent call was made sometime in XX/XX/XXXX. At that time, the discussion with the company 's representation revealed that their records had not been accurately updated and was inconsistent with the details that I had provided during previous conversations. 

Santander Consumer USA continues to call me ( it is now XX/XX/XXXX ) and leave messages despite my efforts. I view this as harassment. I had done everything within my power to abide by the contract with Santander, was denied assistance in the form of contract renegotiation, and when I was no longer able to maintain the debt, I relinquished the vehicle and informed the company of the vehicles location at the time I turned the keys over to the dealership. 

Through some research I found that the company had agreed to a {$550.00} XXXX settlement - " Santander Consumer USA, one of the largest subprime auto lenders, agreed to a {$550.00} XXXX settlement 'with nearly three dozen states to settle charges of predatory auto lending to low-income and subprime borrowers, ' the Wall Street Journal reported. ... 'The settlement includes {$65.00} XXXX of restitution for consumers.May XXXX, XXXX '' Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probability of default, said Illinois attorney general XXXX XXXX , who led the coalition, the Financial Times reported. 

I hope that this information is helpful to anyone who may presently be dealing with Santander Consumer USA and that more people will be alerted to the company 's indifference to the best interest of their consumers.