davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, 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: WELLS FARGO & COMPANY (MD)

I had entered into a non- binding mediation proposal with wells fargo because of the use of my credit score to profit by the bank and the opening of an unauthorized checking and savings account on my behalf by the bank. On XX/XX/2022 and on XX/XX/2022 l had sign an agreement with the bank because of the terms listed on the mediation proposal by the independent mediation service provider XXXX. Wells fargo had paid to me the sum of {$970.00} for the agreement made because of the mediation proposal. The agreement was for wells fargo to pay to me the sum of {$700.00} grossed. The sum of {$970.00} paid to me by wells fargo is a very little sum of money compared to what the mediation proposal had ask to be paid. The proposal had ask for a two year identity theft protection along with the {$700.00} grossed to be paid to me by the bank, wells fargo bank. Wells fargo had ask me to enroll in XXXX XXXX, a {$60.00} XXXX in value base upon my opinion. I had told the bank that l had enroll in XXXX XXXX  because of the lawsuit file by XXXX because. of the data breach that had occurred and the settlement of the lawsuit that was file because of the XXXX data breach. I was told by the wells fargo mediation program office and by the claim representative of wells fargo, XXXX XXXX, that the most wells fargo could offer me for my failure to procure the identity protection service offered by the bank because of my prior enrollment in XXXX XXXX XXXX offered also by wells fargo is the sum of {$200.00}. I would like for the consumer financial protection bureau to inform wells fargo of any exact amount of money owed to me by the bank, wells fargo because of the agreement made between myself, wells fargo bank and the independent mediation service provider, XXXX.
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

This was a XXXX lease through ALLY Financial that was paid in full with no late payments. I was contacted sometime after the vehicle was turned in with a claim that there was " scuff marks '' on the rear fender. This minor damage was not done by me but by the dealership ( I witnessed the vehicle being driven around town after I turned it in ). After several weeks of harassment and constant calls by ALLY FINANCIAL I agreed to pay a lower amount in order to stop the constant phones. At no point in time did the topic of a " settlement '' come up and in fact they considered the matter closed after we agreed to a final amount ( even though the damage was not done by me ). FYI - my credit score at the other two credit bureaus is XXXX & XXXX.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never received any letter or phone call attempting to collect a debt. Furthermore, I have and always have had PPO Group insurance Plan. If I were aware of this debt I would have contacted the provider immediately to resolve any payment due. XXXX and XXXX did not follow the CFPB laws and protocol and failed to notify me of the debt thereby taking away my right to settle the debt with the medical provider.
Consumer complaint received 2022-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

Collecting on debts that have been discharged through bankruptcy might not only violate the Consumer Financial Protection Act 's prohibition on unfair, deceptive, and abusive practicesit could also violate the order of a United States bankruptcy judge this includes student loan debt.
Consumer complaint received 2019-05-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

Hi there, I am an XXXX seller who recently started selling on XXXX international sites.  

At first, I had set PayPal to do automatic currency conversions. Then I figured out that PayPal was charging significantly more than the mid-market rate, and I also found this post -XXXX XXXX   XXXX - from someone saying how bad PayPal 's currency conversion rates are. I believe that person is based in XXXX, which makes a difference ( i am in the US. ) To avoid PayPal 's abysmal currency conversion rates, I had read that I should set Paypal to accept other forms of currency - this would turn off automatic currency  conversion. So I did this. Then I opened an account on XXXX, with the intention that I would withdraw money from Paypal directly to XXXX in Euro, AUD, GPB etc. and have XXXX do the currency conversion to USD ( their rates are much more favorable than Paypal 's ). XXXX gives you international bank account # s to facilitate this. 

I tried to add those international bank account numbers to my PayPal account, and i found out I couldn't do it. Why? It turns out that paypal US will only allow me to add US bank accounts - so they make it impossible for me to withdraw other forms of currency other than USD. Essentially, paypal forces you to use them for currency conversion. I find this completely unfair as it is my earned money, and PayPal is taking all these unnecessary extra conversion fees and there is no way I can avoid those fees. paypal should give me the option to add international bank accounts so i can CHOOSE who does the currency conversion and am not locked into paypal 's predatory rates. this is not just me they are doing this to, but ALL U.S. paypal users. Unfortunately XXXX uses PayPal, so as an XXXX   seller I can not decide to simply stop using them. I do not think PayPal should be allowed to make it so that only THEY can do currency conversion with my money. I should be able to choose and link international bank accounts.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (IA)

Someone called me on XX/XX/XXXX from the number XXXX which looked like it was coming from Iowa. They sounded super scamming. I didn't trust any of it. He said his name was XXXX from blah blah blah ( couldn't understand him ) Halsted Financial Services company and on behalf of a XXXX debt. I told him no idea what he was talking about and I refuse to pay it. Called XXXX and found out it was something from XX/XX/XXXX they had given to another company ( XXXX ) that must have sold to this company. I do not recall this purchase not being paid off. 
I called back to Halsted number online and she asked for my SSN which I refused. Again no introduction seemed like a scam. She immediately put me on hold and got her manager. The manager said it's in dispute. The manager also told me I talked to XXXX   this morning which was not the XXXX that I had talked to. I told her, have you checked my state 's statute of limitations and she said she had not. I said you can not ask me for XX/XX/XXXX debt. She said her name was XXXX XXXX and the debt was from XX/XX/XXXX. I couldn't understand them, as they spoke little to no English. The whole thing feels like a scam. This wasn't even on my credit report.
Consumer complaint received 2021-12-21
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. (DC)

I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in XXXX  and get a mortgage and these accounts are hindering my chances. Please correct immediately
Consumer complaint received 2021-12-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Javitch, Block & Rathbone LLC (OH)

On XX/XX/2019 XXXX XXXX XXXX an employee of Javitch Block LLC filed a civil court case IN THE XXXX COUNTY MUNICIPAL COURT IN XXXX COUNTY OHIO. JAVITCH BLOCK LLC is a debt collector and per their website ( XXXX XXXX XXXX ). XXXX XXXX XXXX mis-represented her self and company as an attorney for a company XXXX XXXX XXXX XXXX, when in fact their main activity is debt collection because principal purpose of Javitch Block LLC qualified him as a debt collector.
Consumer complaint received 2022-03-04
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Usaa has really mishandled this entire situation that I am about to explain. I contacted USAA a few months back to open a dispute about two debit card transactions that I wished to dispute. This is my only dispute in 6 months. Usaa concluded that the item in question nothing had been done wrong by the vendor. The vendor was a gym and they said in order for me to get a refund that I had to allow them to use my XXXX page and set my main profile image to their gym artwork and each time I was there I had to do a check in online or I could not get a refund ... USAA closed my dispute prematurely and reversed over {$400.00} in temporary credit because it sees nothing wrong with this conditional waiver to consumer privacy. 

I contacted Usaa this past week to find out why they did this and spent over 1.25 hours on the phone with them only to be told that I would have to reopen my dispute and that they would reissue a credit again, but it might take 1-2 business days to receive, this ended up not being the case as I called in on the 3rd business day and the rep said who ever I talked to before the call has given me wrong information stating that I would not be getting a temporary credit. This seems wrong that usaa see nothing wrong with the vendors behavior mentioned above and is refusing to side with me and charge back on the vendor. 

The entire handing of the matter shows that the left hand does not know what the right hand is doing at usaa XXXX XXXX 

I am requesting that usaa do the right thing and refund my money. 

Please do not call and communicate in writing only.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is not so much a complaint as it is a request for my personal information. I wish to Thank XXXX, a representative of Capital One I joined Capital One on XXXX and was given a {$300.00} credit limit. I make my payments in full. If I spend {$300.00} I pay back {$300.00} that month. In XXXX and XXXX I had received Alert 's that my Personal Information maybe on the XXXX XXXX. and each time significant Point 's were taken from my credit Score. I even filed complaint 's with the XXXX. With regards to XXXX. My complaint is greater than Capital One or the Credit agencies I have been getting emails.People asking me why I am sending XXXX picture 's. I have received from one man in XXXX a Statement on XXXX saying XXXX, has my information. I have telemarketers calling me repeatedly. I have filed with the do not call registry on one that has called me 5 time 's. XXXX and XXXX. On capital One it said my XXXX account and password.Did they get it or trying to get it? I have not been with XXXX in year 's I do not remember my password. I emailed XXXX and asked please remove any of my information. Someone calling themselves XXXX emailed me and asked me if XXXX took care of the problem? I replied who are you and how did you know I messaged XXXX? they never responded to me. I contacted the FBI with regards to XXXX. Capital One has already settled if I am not mistaken and they have admitted fault The only reason I know what I know was because the Alert 's that they provided on my account. I spoke with the Law Firm XXXX and XXXX, They seem less than enthused to Represent me on a settlement that has already been paid. I am asking with Respect was I one of the many Victim 's Hacked? Is my Information out there because of the Security Breach? I believe I am entitled to know based on everything that has happened to me sense I joined on XX/XX/2019 I do not believe it is fair for a Law firm or a attorney to decide if I am entitled to compensation based on my income or lack there of. For all I know there can be arrest warrant 's for me. Because someone remembered my DOB Social and Name. Am I one of the victim 's?.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Victoria Secret # XXXX is reporting a late in XXXX I do not owe. I tried to log in to my account and pay it but it did not go through, tried calling several times and by the time I could get someone to process my payment two weeks had passed and it triggered the late payment. This was not my fault and there should not be a late on this account.
Consumer complaint received 2024-08-29
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. (NV)

I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-08-21
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. (TX)

I am a victim of Identity theft. Upon checking my credit report on XX/XX/2019 I noticed that XXXX XXXX XXXX is listed as a dad debt on my credit report with the amount of {$19000.00} I have never owned or leases or signed any documentation to this company in my life. I recently filed a identity theft report and submitted all documentation to XXXX XXXX XXXX and all three credit bureaus transunion XXXX and XXXX. On XX/XX/2019 I recieved a letter from transunion notifying me that XXXX XXXX acceptance did an investigation and the account was added back to my credit report.
Consumer complaint received 2022-03-04
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. (WI)

There is a mortgage from XXXXXXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Hello, I have contacted Equifax every month since XX/XX/2022, with the most recent XX/XX/2022. I was added to XXXX credit card which has reported to my credit report. However, the score has not been updated to reflect the authorized user account that was added to the account. I was told in XXXX there was an issue with the algothrim and they would have to go into my account to manually correct this. This has not been corrected and it appears Equifax is intentionally refusing to update the credit score to reflect the authorize user. In addition, I have this note on my credit report that : Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes This was supposed to be removed and it has not been.
Consumer complaint received 2021-12-02
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. (MS)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.
Consumer complaint received 2022-03-04
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. (SC)

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 2019-05-01
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. (TX)

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.