davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (MA)

We have been receiving automated calls from a debt collection company called Harris & Harris at XXXX. I have not been keeping track of all the calls as I usually pick themup as opposed to having the answering machine record them. 

However, I did call them back several weeks ago and spoke to a representative. The company is looking for long list of people who have never lived here. Our landline has been registered to this address since before 2003, when we bought the home. 

The Harris & Harris representative I spoke to stated that they understood that they had a bad number and pledged to remove our phone number from their automated system. However, the calls soliciting us to call the company back have not stopped. 

Today, I called them back a second time and the representative claimed I had never called them before and that they would now put our home number on the do not call list.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Migration of XXXX XXXX XXXX accounts to Chase Bank, on XXXX XXXX XXXX Holiday. 
Called Chase on XX/XX/XXXX told that all bill pay info from XXXX XXXX XXXX  would be transferred over to my new Chase Bank Account by XX/XX/XXXX. 
XX/XX/XXXX went online to review my checking accounts and bill payees, found that only partial account numbers had been transferred, and that all bill pay accounts were missing mailing addresses. 
XX/XX/XXXX Updated Bill Pay information on Chase platform. Initiated bill pay for XXXX payments. 
XX/XX/XXXX Bill Pay Fraud Department rejected my bill pay request. I called on XXXX separate occasions attempting to try and resolve issue with the Fraud Department, and was put on hold every time I called for over 20 minutes and eventually was disconnected by Chase. 
XX/XX/XXXX visited XXXX XXXX and met with XXXX XXXX who I expressed my disappointment with the poor service I had been receiving from Chase Banking phone Bill Pay Department. XXXX helped me in canceling one of my checking accounts # XXXX and transferring the funds to my existing # XXXX. She mentioned that she would make contact with the management team in charge of bill pay and see about getting these Fraud rejections resolved. 
XX/XX/XXXX received call back from XXXX who let know she had spoken with the Management Team for Bill Pay and that I was told to resubmit my previous Bill Pays once again. No kind of explanation was given for the delay. 

Summary in Conclusion XXXX did the best with the tools that she had been allowed to use by Chase Bank Management guidelines. She should have had the ability to correct the current bill rejections status and move the pending bills for payment processing while I was still at the XXXX Branch Office. This would have avoided the nuisance of having to resubmit my bills for payment once again. This kind of treatment left me feeling as though I am not that important to Chase Banking. In the years with XXXX XXXX XXXX I had never received such poor treatment or made to feel like I wasnt that important. Keep in mind that my relationship with Chase Bank has just started and it does not look promising or feel inviting! 
By outsourcing your bill payment department you are losing control of how they treat and value customers. You pay for what you are getting in return. Chase Bank has done a poor job in planning out this bank migration from XXXXXXXX XXXX XXXX to Chase Bank. Senior management for Chase Bank has dropped the ball and continues to mis-guide its employees. Rewarding a senior manager for outsourcing the Fraud Department yet ignoring customer satisfaction with the Fraud Department outcomes. The results speak for themselves, Junk In Junk Out.
Consumer complaint received 2020-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

Square doing business as Cash App refuses to do anything to enforce their own nobody under XXXX  can have a cash app account. After finding out our underage XXXX years old daughter has a cash app account, she has opened yet another one using the phone number XXXX. 

We complained about this in XXXX and Square admitted that they had no way of enforcing their XXXX year old and older only policy. Somehow banks and other financial institutions are able to do so ( by requiring a social security number ). Makes me think that Square is deliberately encouraging underage kids to use it. 

When is the CFPB going to take action? Isn't the agency supposed to protect consumers? 

And do you know what kids are using Square and Cash App for? Drugs. We found that the Cash App user ids XXXX XXXX and XXXX are selling XXXX, XXXX  XXXX, XXXX  XXXX, etc. Way to go Square! 

Here 's a list of other user ids : 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  ) How long is Square going to allow this to happen? How long is the CFPB going to let Square allow this happen?
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX please add this new issue to compliant XXXX CFPB I got this issue email saying this Lost or stolen items associated with your Wells Fargo account XXXX Wells Fargo Online XXXX Hide details To : XXXX Date : XX/XX/year>, XXXX Wells Fargo Home Thank you for calling Wells Fargo to report the lost or stolen items associated with your WELLS FARGO XXXX CHECKING account number ending in XXXX. As discussed, we placed a lost/stolen restraint on your account for XXXX calendar days from the date you first reported the lost or stolen item ( XXXX ). After this restraint expires, you may be responsible for any unauthorized transactions on your account. Therefore, we recommend that you close your existing account and open a new account. 

As stated on our call, we are unable to open your new account over the phone. Please visit the nearest Wells Fargo branch as soon as possible to open your new account. If you are enrolled in Wells Fargo Online banking, we recommend that you change your username and password. 

If you need assistance finding a Wells Fargo branch, use our interactive Locator or call us at XXXX ( XXXX ). Phone Bankers are available to assist you 24 hours a day, 7 days a week. 

To learn more about how we use and protect customer information, view our privacy notice. 

Thank you. 

Wells Fargo Phone Bank Please do not reply to this email directly. 
To view and print the form, you will need XXXX XXXX software, which you can download for free. Wells Fargo does not control the website that is linked. Wells Fargo has provided this link for your convenience but is not responsible for the content, links, privacy policy, or security policy of this website. 
XXXX XXXX XXXX wellsfargo.com | Security Center | Contact Us XXXX I have called in to remove it and the agent told me it was removed and when I called in to verify it multiple times all the agents told me it was removed and no hold was on my account I want yall to verify it was removed or not if not removed it and send me proof when it is removed contact me at XXXX and contact me at XXXX etc
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX please add this to my complaint also I forgot to mention XXXX CFPB Please also fix the XXXX XXXX or the XXXX XXXX or the XXXX XXXX XXXX support mentioned it that it need to be fixed to be link to XXXX XXXX  please contact me at XXXX and contact me at XXXX my online banking username is XXXX Please fix the code so I can link it to XXXX XXXX by the debit card or the digital card on the Wells Fargo app etc please also do account maintenances on my accounts as wells for the checking and saving and card and digital card link to mobile banking account etc
Consumer complaint received 2023-02-02
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)

I haven't had any success with updating/correcting my personal information with the XXXX credit bureaus, Equifax, XXXX, and, XXXX.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Please add this to my complaint XXXX CFPB My name is XXXX XXXX I have disputed two payments today under case number XXXX {$100.00} case number XXXX XXXX {$100.00} case number XXXX 10 business days to take for not receiving service but I dont know if it was filled and can yall verify it was disputed if not dispute both payments for me ref # XXXX {$100.00} and ref # XXXX {$100.00} both happen on XX/XX/24 when yall dispute both of them send me proof thanks contact me at XXXX etc.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

The account with Santander Consumer is reporting incorrectly. This was an auto loan and the loan was paid off in XXXX. The vehicle was traded in on XX/XX/2022 and the dealership paid off the loan. Santander reported that this was 30 days late and they received the full payoff. I contacted the company and disputed this and they referred me to the dealership. The first person stated that they had a computer problem and did not post the account for over 10 days. The next person referred me to the dealership and stated that they were not making the change. The loan is paid in full. I want this reported correctly that it is paid in full and to remove the 30 day late notice. This negative remark caused my credit score to go down over XXXX points!
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (AR)

I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet XXXX Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. XXXX has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a XXXX rep and got nowhere except to contact this agency. Please forward to ALL credit unions.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX please add this to my complaint also XXXX CFPB because I am having issues to verify if {$150.00} XX/XX/year> Teller Cashed Check # XXXX was disputed as wrong amount it should be for {$20.00} not for {$150.00} and all the agents told me its wasnt dispute or they dont see a dispute and when they all dispute it and give me these numbers Reference number XXXX Reference number XXXX Reference number XXXX They also say this The research department will contact me in 10 business days please check to make sure it was disputed or dispute it for me and send me proof when it is dispute XXXX and contact me at XXXX etc
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-22
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. (SC)

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. 
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 has violated my rights. 


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 2023-07-12
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: EQUIFAX, INC. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX please add this to my complaint XXXX CFPB I forgot to mentioned please fix this issue to when I do somethings sometimes I get this pop up message screen saying for your security lets make sure its you select one phone number give me the only option I only see phone number not email when I pick try another method it say this available options help us confirm your identity by choosing the option that works best for you. Text me a code I want to use my email to get codes please fix it so I can use my email to get security verify codes too and fix the for your security lets make sure its you so it dont pop up everytime a lot of disable it so I dont see it no more my online banking account username is XXXX please contact me at XXXX and contact me at XXXX etc
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX checking in about Complaint CFBP XXXX I forgot to also mention this issue to yall I need fixed I cant do wire transfer on the app when I try I get this error message saying The wire transfer service is temporary unavailable please call us at XXXX for assistance please fix this issue and fix the other issues and make them enable and working again and make new a new lastest new checking account and new latest saving account and waive the {$25.00} opening account deposit fee for both of them and I want to same account number and router number for the checking account and give me a new lastest debit card I got these ticket support escalate number online banking support tech give me or yall department give me it is XXXX and XXXX but they never call me back about the issue etc and online banking username is XXXX please contact me at XXXX and contact me at XXXX etc.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on 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
Consumer complaint received 2024-05-22
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. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.