davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (CA)

The Student Loans are my daughter 's in which my husband & I co-signed. My daughter missed XXXX payments on the loan and then called to try to fix it and told Wells Fargo that she was in the process of filling bankruptcy but did not want the student loans to be a part of it because we co-signed on it. Wells Fargo did not care and put the loans into Charge Off Status with their Bankruptcy department. When the loan was in default Wells Fargo said they tried to get a hold of my husband and I by sending a letter to us, however we had moved from XXXX to XXXX and they sent it to our XXXX address and by the time they received the returned letter it was in the bankruptcy department and they said they do not contact co-signers when it is in bankruptcy. My husband and I have multiple accounts with Wells Fargo including a Mortgage, They could have found our information if they wanted to find us, I feel they really never tried. My daughter never told us what was going on and Wells Fargo decided to destroy my husband and my credit without even giving us the chance to resume the payments. I found out about all of this when my husband and I tried to apply for a loan and they let me know my credit report was not what we thought it was because of the Wells Fargo Student Loans. I immediately contacted Wells Fargo and have been trying to work with them to rectify this and they just keep telling me that as a co-signer it was my responsibility to know what was going on with them. Unfortunately as a co-signer on a student loan you do not have access to Student Loans only the originator does. Had Wells allowed me to keep record of the loan on my Wells Fargo online banking I would have remembered to update the address with the Student Loans with the rest of my accounts when I moved and I would have seen right away when my daughter stopped making payments and would have addressed it before it reached the point it did. Part of being a co-signer is to take responsibility when the originator can not, but how can a co-signer do this if they are not notified or are not allowed access to the accounts? How can my husband and I get help to get our credit repaired and keep this from happening to others in the future from these big banks??
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (NC)

I have been trying to cash out my money from cash app for the last 5 days which has now affected my credit because of their negligence. It is now adversely affecting me financially because they are not releasing my almost {$5000.00} of my money!!!
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I sent money to an individual on XXXX for some purses in the amount of {$110.00} on XX/XX/XXXX. After I sent the money she begged me for {$10.00} today on XX/XX/XXXX. I said no and she blocked me on XXXX but not before I asked for my money back. I contacted Cash App and explained what happened and they refuse to do anything to help me. 

I told CashApp she was a scam artist and sent multiple screen shots of our messages on XXXX. This is the first time it happened and Cash App should not be in business if they can not or will not help customers after they have been scammed. They are very conscending and obviously I am not the only one that this happened to. CashApp had the audacity to tell me to stop sending screenshots of similar complaints and I would not because it proves that they should not be in business. In fact they encouraged me to contact you. It is as if they know nothing will happen to them for their unethical business practices. In fact, they need to be charged with " theft by deception '' because they are assisting scammers in keeping a customer 's money once they have been scammed. They stand behind being an app but even that has limitations. I have already filed a complaint with the FTC as well.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I used my credit card for XXXX duty fee refunds. The amounts credited to my card were incorrect. 

I called Chase customer service XXXX times. The first XXXX associates put me on hold and XXXX hung up and the other did not return to the call for XXXX minutes, The XXXX  associate took my complaint to forward to the back office however no one has gotten back to me. 

Since the credit was in a different currency I inquired what foreign exchange rate Chase used. The associate did not know. I asked what the XXXX credited was. The associate did not know. 

Using your card to receive a credit is no different than using your card for a charge. The associates should know this information and rectify it in an expedient manner. 

Credit card companies are dealing with peoples money and they should be transparent and knowledgeable about customers transactions. 

Chase advertises this card as No foreign transaction fees, I'm not sure if they are padding the exchange rate to disguise a unauthorized fee or whats going on.
Consumer complaint received 2019-07-30
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. (NC)

I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX   XXXX, XXXX XXXX
Consumer complaint received 2022-05-25
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, a fraudulent {$8000.00} unauthorized wire transfer was initiated from my Wells Fargo savings account to an unknown recipient XXXX XXXX XXXX. 
XX/XX/XXXX I called Wells Fargo approximately at XXXX PM EST, and they froze the account. 
They said its late for claims and asked to call tomorrow. 
The next day, on XX/XX/XXXX, I called Wells Fargo to explain the situation. They created claim # XXXX and initiated an investigation. On XX/XX/XXXX, I received a response from the bank stating that my case had been denied ( attached ). 

On XX/XX/XXXX I notified the local police of an unauthorized {$8000.00} wire transfer from my account, and they started working on the case and gave me a notification ( attached ), on XX/XX/XXXX I received the police report from them ( attached ). 

I called the claims assistance center ( XXXX ) on XX/XX/XXXX, and requested that the case be reopened and escalated to management because I have the police report. Before reopening, according to the representative, they will need to review the case first. 
They have already conducted the investigation and need to know why they need to reopen the case before contacting me. I was redirected to resolution expert XXXX ( Employee ID : XXXX ) who told me that in order to reopen the case, they must submit a request to the XXXX, who will decide whether the case can be reopened or not.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I've been having increasing problems with USAA over the past 6 months. I've banked with them for over 20 years and never had problems with them reorganizing transactions or flip-flopping transactions back and forth between " pending '' and " debited '' until now. I've made multiple purchases, had the funds in my account with no pending charges, and woken up the next morning to a negative balance and multiple NSF fees. At times, charges will completely clear my account only to go back to pending days later. It's impossible to keep up with my banking at this point and they keep hitting me with fees when there have been funds to cover the purchases in the first place.
Consumer complaint received 2022-12-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  .... Balance : {$540.00} ; XXXX XXXX .... Balance : {$17000.00} ; XXXXXXXX XXXX .... Balance : {$6900.00} ; XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX .... Balance : {$5400.00}
Consumer complaint received 2022-12-17
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : - XXXX  XXXX XXXX. XXXX : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$870.00} : XXXX XX/XX/2022
Consumer complaint received 2019-11-23
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. (CA)

I sent Experian, XXXX & XXXX 609 dispute letter on XX/XX/19 stating : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' - I received mail from Experian XX/XX/19 stating account " Remains '' & account " Updated '' and they did NOT provide anything I asked in the letter. I would like all accounts listed in the letter to be deleted please. 
- I received mail from XXXX XX/XX/19 and ALL accounts were deleted. Thank You. 
- I received mail from XXXX XX/XX/19 stating all account were " updated '' with out any proof of anything I asked in the letter. I would like all accounts I listed in the letter to be deleted please. 

I asked for specific items to be DELETED since they have not provided any proof with my wet ink signature or able to verify any accounts as mine. 

All letters were notarized and sent certified mail so I have proof. 

Please help me en-force as this has dramatically effected my families freedom.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Caine & Weiner Company , Inc. for committing identity theft. I have never given Caine & Weiner Company , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Caine & Weiner Company , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Caine & Weiner Company , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Caine & Weiner Company , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from capital one should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX XXXX XXXX and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.
Consumer complaint received 2022-05-25
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. (TX)

In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX 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 insrtuctions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
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. (GA)

This is my formal complaint that the credit Bureaus ( XXXX, XXXX and Experian ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XXXX account # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.
Consumer complaint received 2022-05-25
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. (GA)

The only address that should be listed on my credit file, should be : XXXX XXXX XXXX XXXX, Georgia XXXX Remove any other address you have listed on my credit file as these addresses are not correct. The only address listed should be the one listed above. Any other addresses should be removed. The only name that should be listed on my credit file, should be : XXXX XXXX Remove any other name listed on my credit file as these names are not correct. The only name that should be listed on my credit file is listed above, please remove any other names you have listed on my credit file. 

I noticed there were two different socials connected to my credit file, these socials are incorrect and should be removed. The last 4 of my socials is XXXX Please remove the incorrect socials of XXXX & XXXX. 

Please see the attached documentation.
Consumer complaint received 2022-05-25
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. (WI)

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with Experian because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Experian is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with Experian is I sent a letter to Experian On XX/XX/XXXX22 and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. Experian claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to Experian To let them know these accounts not mine XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, XXXX XXXX and XXXX XXXX ignoring me. 

I sent another letter on XX/XX/XXXX22 to Experian asking them to remove these accounts from my credit report and they still ignored my request. 

XX/XX/XXXX2022 I contacted XXXX XXXX, XXXX XXXX and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. 

ON XXXX XXXX, 2022 I wrote another lettre to experian letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. 

4 letters sent to these companies and nothing done to resolvee
Consumer complaint received 2022-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.
Consumer complaint received 2022-05-25
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. (OH)

Experian refuses to let me dispute an error on my report and says they are only required to investigate any account one time. Any attempt to file a dispute for a different reason they claim is a duplicate dispute. They will deny you the right to refile a dispute or provide any evidence to show their error. Experian says you may upload documents but their website will not allow it and they are fully aware and have been aware of this problem for years.
Consumer complaint received 2022-05-25
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. (PA)

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that XXXX, XXXX and Equifax update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete portfolio recovery, XXXX and XXXX XXXX XXXX those accounts do not belong to me.
Consumer complaint received 2019-06-13
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. (TX)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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**** ,