davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

Re : Wells Fargo case number XXXX and XXXX In your letter dated XXXX XXXX, Wells Fargo said that we were not able to find any indicators present confirming fraud on the account. 

XXXX.enclosed attached files including police report that it clearly showed " FRAUD '' in incident type space. For further verification, please call policeman XXXX XXXX XXXX re : case XXXX XXXX addition to XXXX unauthorized bill pays on XX/XX/XXXX, $ XXXX and XX/XX/XXXX, {$700.00}, there was attempt to apply loan ( application number XXXX ) on XX/XX/XXXX. Also There was illegal adding of bill payee on XX/XX/XXXX. Encloed please find enclosed files-I found these XXXX emails from Junk folder on XX/XX/XXXX. 
Don't you think XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX incidents all were jobs of XXXX scammer. It's fraud, online fraud. 

Please reinvestigate and refund my money back. 
enclosures : police report Wells Fargo letter fake loan application illegal bill payee adding
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OLIPHANT FINANCIAL, LLC (NY)

On XX/XX/XXXX XXXX XXXX XXXX  .I recieved a call from a customer service rep stating her name is XXXX on XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX the company name is Oliphant XXXX  XXXX XXXX She stated she was calling about a debt owed. I told her to cease and desist calling me. I ask her to send me a debt validation to the address she has on file Within 30 days per the fair debt collection practices. I waited for 2 months i got no response. I sent them a certified mail on XX/XX/XXXX Requesting a debt validation which includes What State the money was owed in, determination of the sum, provision of copies of agreement bearing my signature to pay the same, proof of licensure to collect debt in NY a valid legible copy of the agreement stating the debt and interest charges within 30 days and that they are responsible to collect per the fair debt collection practices act ( 15USC 1692g Sec.809 ( B ) i never hear from them .Today i got a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  me for my Date of birth and Address in regards to this debt this is also on my Trans union credit report XXXX I need your help in this matter.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

CFPB- This is one of the things EQUIFAX is doing to my credit score my 1st Progress Credit Card is always paid on time and I keep my Debt to Ratio under 30 % and they continue to drop my Score when accounts are paid on time you credit scores supposed to go up. I've even called them about this matter. My honest opinion when you call they make matters worse then solving the solution.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per 15 USC 1681, XXXX, Transunion and XXXX refused to removed any and all addresses, and adding information to report that I did not give permission to do! 

Per the CFRA, As a Federal Protected Consumer, I am now Opting Out of ANY and ALL Authorization. I the Consumer may have been giving you written and unwritten, verbal and non verbal, per 15 USC 6802. 

For all information reported on credit report, I want companies and XXXX XXXX removed from report.
Consumer complaint received 2023-02-14
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. (NJ)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX ( XXXX creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XX/XX/2022.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now XXXX and Transunion added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by XXXX totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (GA)

CFPB CLAIM # XXXX WELLS FARGO CASE # XXXX *THIS CLAIM IS AGAINST WELLS FARGO. '' Wrongful Foreclosures, and incorrect fees and interest charges. " * I received a letter dated XX/XX/XXXX, from Wells Fargo, Representative XXXX XXXX XXXX, [ attached ] explaining that she has tried to contact me via my mobile ( XXXX ) XXXX [ this phone was hacked, and disconnected ]. Since then, I left her a phone message ( s ) and explained that my email address is correct [ attached ] as shown as a method of contact. 
I asked her to send me an email addressing her questions, but she has not. She will use this as an excuse that she couldn't contact me and respond to CFPB and close my complaint due to incorrect contact information. 
With my experience with Wells Fargo since XXXX, I have been lied to, and misled by their fraudulent actions which have been proven in court that they are convicted of felonies. I have no confidence or trust in Wells Fargo, rightfully so, based on their recent conviction for stealing and cheating customers out of billions of dollars. 
Further, if she is an attorney, it is against ethical conduct not to divulge what she is. Allowing me to have an attorney during ANY verbal communications, period.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave XXXX XXXX XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for XXXX XXXX XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AppFolio, Inc. (DC)

Around the end of XX/XX/XXXX, AppFolio reported inaccurate information on my rental history. Ive never rented from XXXX during 2023 but rented from XXXX XXXX. This inaccurate information caused me to lose renting a home.
Consumer complaint received 2023-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-05-14
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-02-14
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MICHIGAN XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (OH)

I initially requested my " XXXX XXXX Report '' from Lexis Nexis using their online portal on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Lexis Nexis telling me that they were " unable to process my request ''. Per the instructions in the letter, I provided additional verification documents online, ( a scan of my driver 's license ) and received as a case #. 

I did not receive anything by mail, so I called back on XX/XX/XXXX. I verbally confirmed information with the company, and was told to expect my report by mail. 

On XX/XX/XXXX, I made another request online as I was attempting to find the phone number to call Lexis Nexis back. I called them the same day, validated my information again, and was told that I had been mailed my disclosure in XXXX and in XXXX, which I had never received. 

On XX/XX/XXXX, I received a second " unable to process request '' letter. I called them back during business hours on XX/XX/XXXX, and was told that the letter I had received on the XXXX was as a result of my online attempt made on XX/XX/XXXX. I was further told to wait for XXXX weeks before following up again, because the letter was in the mail. 

As of today, XX/XX/XXXX, I have not received my XXXX XXXX Report. I have received XXXX denial letters from Lexis Nexis, as described above, but not the actual report I have requested. I would like the CFPB 's help in obtaining this report.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Calling me several times daily and repeatedly harassing me and not leaving their name or information. I block the number and they call back using a similar number. They called me today from XXXX. My phone only says XXXXXXXX XXXX XXXX am a prior XXXX  employee and have no idea who they are, never received any verification of debt, and want ALL calls to stop or I will file a police report for harassment!!
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

Cash app was contacted on XX/XX/XXXX XXXX about a XXXX dollar and a XXXX dollar Bitcoin transaction that was a scam I was involved in they didn't reply to the email for two days in which they told me they could not issue out a refund because the Bitcoin had already been processed.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

I receive two payment for the amount of {$1500.00} ( XX/XX/2020 @ XXXX ) and {$1000.00} ( XX/XX/2020 @ XXXX ) on cash app and when i try to cash out the money to my bank account they block my account For security they say. I been contacting them through emails 3 times a day everyday for the last 2 weeks and every time they respond to me its the same automated email asking me for the same information over and over and I still today XX/XX/2020 didnt pay my rent because they dont want to release the money and they dont have a customer service number that I can call They are not responding my emails or saying anything real back to me. I dont know what else I can do to resolve this problem.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the reporting of credit utilization by XXXX - XXXX  on my [ XXXX, XXXX, or TransUnion ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX - XXXX, specifically account number XXXX - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX - XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX - XXXX  update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX - XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America ( credit card ) I live in XXXX. 

In early XXXX of this year, I contacted Bank of America, since I was not going to be able to pay the minimum payments on my credit card, since I am unemployed and to see what options they would give me, since I did not want to fall into default for the first time. At that moment I was attended by XXXX XXXX from the placement department and he told me that I should contact the debt consolidation agencies, he transferred the call to XXXX XXXX where I was attended by XXXX XXXX, who evaluated my case and told me that I would be paying a monthly payment of {$100.00}. At that moment I had a family member who could help me with that amount. However, days later, the person who could help me with the payment told me that she could not, so on XX/XX/XXXX I contacted the other XXXX agency ( XXXX attended me ), to verify what amount I would have to pay with them, but it was a higher amount. 
After this, I contacted XXXX XXXX again, to explain that I could no longer afford to pay the {$100.00} a month, and asked them what other option I had, they told me to contact the bank and ask them to evaluate the possibility of suspending the minimum payment on my card for at least 3 months. I did that, but the bank 's answer was no, since the system only showed the option of debt consolidation in my case. ( answer given by XXXX XXXX ) on XX/XX/XXXX. 

I don't want to fall into arrears, but it is really out of my hands and I am already due for the minimum payment on XX/XX/XXXX.