davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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 ()

Paypal closed my account for no reason and they will not help me with this. 
I am not sure if this is some their mistake as I assume it has to be. 
It's been a month and no clear solution that they offer or willing to assist me on what to do. So I remembered that I could file a report here as I they are not doing their job properly and it is effecting me as great deal as I used Paypal very frequently. My email linked to paypal is XXXX. Hope that you can help me.. Thanks!
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo fraudulently opened two checking accounts in my name around the end of XXXX. I reported it to their fraud department. I got a letter stating these accounts would be closed by XX/XX/XXXX. I just received two statements for the said accounts dated XXXX XX/XX/XXXX. 

These were reported fraudulent and have been left open.
Consumer complaint received 2022-02-07
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)

XXXX, Transunion, and XXXX are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this yearXXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to know what type of game XXXX, Transunion, and XXXX are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX BANK XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (CA)

Im not sure. Ive recently received forwarding mail from my old address in XXXX California and have recently moved into our current home. My family and I have been staying with family until our current home was ready to move in. I immediately tried writing but received no response. Why am I receiving this dept? My insurance is still the same. XXXX really confused. If you can call me at XXXX I would greatly appreciate it. The reference number is XXXX and my name is XXXX XXXX. Hope to hear from someone soon. Thank you.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX  - XX/XX/XXXX Could Not Contact Bank of America - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 2022-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I was scammed out of {$400.00} dollars on XXXX by an individual through XXXX. On XX/XX/XXXX, I was scammed out of {$3000.00} more dollars totaling {$3400.00} dollars through XXXX. I contacted my bank, Wells Fargo, on XX/XX/XXXX, about said transactions and on XXXX separate occasions was told that I did not provide sufficient evidence to obtain my money back by regulation of the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX On XX/XX/XXXX, I obtained and provided my bank with the transcript of the scammer which showed the emails of the XXXX recipients, phone number of their " accountant/ lawyer '' and bank information which included a password, username, and the last XXXX  digits of their social security. On XX/XX/XXXX, and XX/XX/XXXX, I received a response which were exactly the same as one another ( except for the dates included in the letter ) and gave the exact same excuse. My account activity even indicates that I never utilize XXXX when it comes to sending individuals money in the entire year of XXXX, and when using other methods of instant money transfer it is always under {$200.00}. I have made XXXX total complaints with Wells Fargo through the CFPB which has resulted in copy and paste responses from the bank 's representatives. I again provide the transcript of the XXXX  texts which I received through the scammer in the hopes that this is sufficient evidence to show that I was indeed scammed out of my money and that Wells Fargo is lawfully responsible to reimburse me due to the occurrence as stated in the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX My case is not taken seriously and constantly given the corporate response which is compromised of a blueprint in which they fill out the name and date of who and when they're sending the response.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, XXXX, and Transunion are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my wet signature on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.
Consumer complaint received 2022-02-07
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: ACIMA CREDIT, LLC (MA)

On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " ACIMA CREDIT FKA SIMPL '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX  credit monitoring, this time that " ACIMA CREDIT FKA SIMPL '' was reporting a delinquency of {$4500.00}, and this time they also reported it to XXXX, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with XXXX, and sent an email to Acima disputing this debt. XXXX took it up with Acima, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

XXXX noted on my credit report that I state I have no knowledge of Acima, but they refuse to drop the delinquency because Acima calls it valid.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was reached out to on a freelance modeling website XXXX about an opportunity to collaborate with XXXX XXXX and XXXX  for a photoshoot with XXXX XXXX My contact is using the name XXXX XXXX XXXX the name of the company president. They sent me what I believe to be a fake check for {$3500.00} on XX/XX/XXXX, and had me send XXXX to XXXX XXXX XXXXXXXX XXXX through XXXX on XX/XX/XXXX and XXXX to XXXX XXXX XXXX through XXXX on XX/XX/XXXX - these people were said to be " supervisors '' for the photo test shoot with XXXX. 

I reached out to the verified XXXX XXXX XXXX on XX/XX/XXXX and they confirmed the email address I've been speaking with is not one of their official addresses. The email for the scammer is XXXX. For my own " identity verification '' I sent them my SSN, front and back of my drivers license, my cell number, and my mailing address. 

They also offered me a fake contract to sign on XX/XX/XXXX which is when I stopped responding immediately to their emails.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.
Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

Throughout the loan process with Fedloans and the PSLF program, I was never made aware that in school deferments would not count toward our payment count for the 120 needed. Even though payments were made, I am not receiving credit for those payments. After surveying thousands through online public forums, the same issue affects them as well. These payments need to count.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (CA)

Dear CFPB, First of all thank you for always being helpful to the consumers. 
I had purchased an XXXX  package from XXXX and unbeknownst to me they registered themselves as the registered agent and took the payment, when I realized they had done this I immediately called to cancel any Autopay including the one for the registered agent service. I thought the matter had been resolved. Without any advance phone calls, letters or notice, I received a threatening letter from their collection agency Caine and Weiner, XXXX XXXX reference # XXXX. I called XXXX XXXX  and they asked me to call CA state of Secretary and prove that the auto payments were cancelled, I tried calling and emailing them but got no response, I also emailed the law firm asking for the person who was in charge of sending the letter, their license number etc. I again received an email today demanding the XXXX dollar annual autopay XXXX XXXX keeps/kept billing without my knowledge and did not even send me a letter or phone call before referring to collections and threatening to damage our credit, This is highly unethical, illegal and slyly charging autopayments without our knowledge and then sending to collections without any attempt to first resolve or clarify what happened. Please help as this is threatening and harassment from XXXX XXXX  and Caine and Weiner Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2022-02-07
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: WELLS FARGO & COMPANY (FL)

Wellsfargo is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from Wellsfargo dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up 2 complaints regarding the following issue. I had contacted Wellsfargo requesting Covid relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to Wellsfargo that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with Wellsfargo because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an Executive representative by the name XXXX XXXX He assisted me in opening up 2 cases regarding the late fees and payments that were on my account at the time. My credit report shows 120 days late and that is absolutely not true. I wrote to Wellsfargo showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from Wellsfargo that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the Covid relief and that it was Wellsfargo that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called Wellsfargo. I will gladly send the log to the Attorney Generals XXXX office or anyone office. This is impacting my life horribly.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Noticed unrecognized XXXX  transfer on Capital One 360 accounts, called Capital One to report on XXXX XX/XX/2022. Had no additional contact until receiving a suspicious email claiming to be from Capital One on XXXX XXXX. Tried to access accounts and found them locked. Called Capital One and was informed they did so because I " did not respond to their inquiries '' ( of which I had received one, ten minutes before the call ) and that they wanted additional info regarding suspect charge. After going through possible causes agent informed me that my checking and savings accounts would be closed immediately as I was " a risk to the bank '' ; however they refuse to transfer remaining funds out of account until their investigation into the suspicious charge is complete. 
Venting to a family member revealed that they had tried to place an order on my behalf that was never received. Supporting documents were given to me, I called Capital One back to give them additional information but my funds are still being held pending their investigation on money *I lost*. I do not have atm or branch access to satisfy their requirements for any kind of withdrawal. Only after the two phone calls did I receive any kind of written notification in the form of an email stating they *may* close the accounts.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

Hunter Warfield is attempting to double collect on a debt for XXXX XXXX XXXX, and they have also added {$1000.00} to both claims. This is not a typo, it has been listed on my credit report under XXXX different reference numbers. Now, as of today, they have increased one of claims, further decreasing my credit score. This is all happening as XXXX XXXX XXXX is challenging all of the misinformation and derogatory items that are listed on my credit reports. Hunter Warfield has made relentless calls to my phone as well as my family members. I have become XXXX  as a result of the death of my child who was XXXX XXXX. My sole income was from XXXX and the state for his care, which was immediately stopped the day after he died. I immediately told XXXX XXXX of XXXX XXXX apartments that my income abruptly stopped and I needed to move. My XXXX and I lived at that complex for XXXX years. I briefly lived with family and got a part time job a few months after my XXXX died. Ive lost nearly everything I own. Now Im XXXX, living in a hotel that costs my entire paycheck, while now working full time. No one will rent to me at all because I have Hunter Warfield double listed on my credit reports seeking over {$8000.00} in total for XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX BANK DELAWARE, XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX.