davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IA)

i have not used credit and the 3 agencies give me no score when an iquiry comes in discriminatingly against me rating me out of the normal rating range of 300 to 850 when they have a file on me and rating in the past i am a social security card holder and XXXX  years of age
Consumer complaint received 2018-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Equifax received my notice of disputeXX/XX/XXXX. The dispute was not open until XX/XX/XXXX. By law, they were suppose to open a dispute and notify the creditor within 5 business days of getting my dispute. The dispute was resolved XX/XX/XXXX and I was never notified.  Today is XX/XX/XXXX and I still have not received any notification of the results. My consumer rights have been violated and I will sue if this mater is not resolved immediately. This entire process has caused me tremendous undue emotional and financial distress. An account that is not mine reporting on my credit report and Equifax is giving me the hardest time to remove it. No other credit bureau is reporting this erroneous account.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

Received a phone call claiming to be XXXX XXXX alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from XXXX XXXX. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped 100 points? I talked with XXXX XXXX today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit  bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Good morning, I have attempted to resolve repeated disputes with a Wells Fargo checking account in recent months. Their incompetence has led to credits being posted as debits, multiple week-long delays in payments, and other accounting errors. I attempted to pay my credit card bills with XXXX ( a very well-run bank, I may add ) several times, and Wells Fargo was incapable of processing the transactions. This led to several delays in payment, which I had to correct from a separate credit union account. Weeks later, after I had tried to close the Wells Fargo account, and it was more or less empty, they attempted to make the payments to XXXX. This led to overdrafts, which I had to correct by dealing with both banks personally. 

Wells Fargo XXXX everything up, repeatedly. I wound up having to fax my bank records to XXXX, to remedy the problem, but by that point, I had to close the credit card accounts and make a deal for long-term payments. Still, by my records, I can see that the Wells Fargo account should have about a {$40.00} surplus, yet they claim it is {$100.00} overdrawn. Perhaps over {$1000.00} in XXXX payments have gone missing. XXXX has been extremely cooperative in my investigation I have been conducting personally, yet Wells Fargo has been impossible to deal with. I suspect Wells Fargo is acting fraudulently. I received an email this morning from Wells Fargo claiming that they are reporting me to XXXX XXXX XXXX. I will not tolerate their incompetence and/or corruption any longer. They will not slander me any further. Please investigate. XXXX has the records I faxed to them.
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX my account was charged off due to a negative balance, on XX/XX/XXXX, I received a letter from a collection agency stating that my account has been placed with XXXX XXXX XXXX XXXX collection agency for collections from TD bank. On XX/XX/XXXX, th a direct deposit from a previous job came to the account. On XX/XX/XXXX the account was approved for credits only by ACH, and on the XXXX of XXXX a notice was placed with the credit agency that the account was cleared up. I did not approve any credits only on this account, onced it was closed and placed with the collection agency I no longer had any affiliations with TD. Also TD Bank are making all these actions against a closed account however they have not notifed me in writting of any of these transactions they took upon themselves to do. I just want my XXXX from this closed account.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

I was scammed on Wednesday, XXXX XXXX 2024 at XXXX central time through cash app and have been fallen a victim to cashapp scam and lost {$1100.00} USD. I reached out to Cashapp Support and they were useless and couldn't help me recover my lost funds. 

I even explained that I wouldn't just send {$1100.00} USD to a stranger, however, I am a victim of a cashapp scam and told my funds can not be refunded and that my dispute through cashapp has been denied when I filed an unauthorized charge. 

CashApp support is completely useless and all I get are scripted text messages over and over again.
Consumer complaint received 2018-03-22
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: Experian Information Solutions Inc. (PA)

XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX  acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.
Consumer complaint received 2018-03-22
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. (PA)

XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.
Consumer complaint received 2018-03-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Finance LP (TN)

Selene Finance foreclosed on my property as I requested in the previous CFPB Case thanks to your help. They sold the property on XXXX XX/XX/2017. But since that date, they left the account in limbo. They report the account is open to all three credit agencies with {$1.00} as the balance. It has been months with no resolution. The information I gathered is all by phone and the company refuses to send me information via mail regarding the status or future of the account.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

In 2014 I received several unsolicited phone calls and got sucked in to the " work from home/online business scam ''. I paid several companies enormous fees and specifically paid these related companies : XXXX and XXXX XXXX a combined total of {$19000.00}. I have attempted resolve my complaints directly with them and have been completely ignored. After learning my rights as a consumer, I know that these transactions can be disputed but based on the transaction dates I was informed that they are too old to dispute.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (GA)

Middle of XXXX a friend sent me {$100.00} through Cashapp. I had to cashout to receive the funds because i was broke down on the side of the road with my kids. Cashapp kept rejecting the transfer of my funds several times. Everytime I contacted cashapp through online and phone support NO ONE was able to help and just kept stating someone will email me. Weeks later still nothing and reps still saying the same. I suffered damages due to cashapp not giving me access to my cash. I will be invoicing them for {$5000.00} due to this I deserve a remedy and as a secured party If I do not receive I will start an administrative process to place a lien. 

Thank you
Consumer complaint received 2024-08-18
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX from XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Please provide the info i request on attach, repond by CFPB portal get evidence
Consumer complaint received 2021-01-31
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. (GA)

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$860.00} Needs Attention XXXX Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (NY)

Volvo Financial has kept 2 overage payments of {$850.00} each ( {$1700.00} total ) which I did not owe them, and which were promised to be refunded to me. Following a lemon law hearing and decision in my favor, Volvo bought a vehicle back from me on XX/XX/2024, and I was refunded only the payments I had made UP UNTIL THEN. However, it took Volvo Financial TWO ADDITIONAL MONTHS AFTER THAT TO CLOSE MY ACCOUNT, during which time I was instructed by them to make two more lease payments on a car I no longer had or owed money on. They told me I had to do this to protect my own credit report, and promised that any overage would be refunded within 15 business days of them closing my account. My account has now been closed for over 2 months, and each time I call to check the status of my refund, they give me a runaround and no clear answers. I have never dealt with more incompetent and uninformed customer service reps than this. They have kept me on hold for over an hour at a time while they search for answers and records which they never seem to find. They do not seem to understand the most simple of scenarios or calculations and have no idea where to look in their system for data or records. During my last 3 ( lengthy! ) phone calls with them, I have been given several different insufficient answers about where my refunds might be. These include : ( 1 ) sent to the dealership instead of me ( 2 ) sent to the 3rd party buyback facilitator instead of me ( 3 ) not sent at all. One agent named XXXX told me these checks were issued on XX/XX/XXXX and XXXX, but all the other agents who have answered the phone since her, have told me that they have no idea what XXXX was referring to and don't know where to look for the data ( How about in their bank register of outgoing checks?? ) I last spoke with them on the afternoon of XX/XX/2024 ( for over 1 hour ) during which time the agent was unprofessionally silent and unapologetic. I was told no manager or supervisor was available to speak with me. I was told a more knowledgable person would call me back within 48 hours. Over a week later, no one ever called back. No one answers the phone at headquarters in XXXX, NJ. I reached out in writing to XXXX, XXXX XXXX. His ony response was to pretend that he and I were in different countries. He literally wrote only, " Sorry, I am in the U.S. '' Clearly, I am in the U.S. too!! This company will find any excuse not to help a customer. Utterly shameful! They have 20 1-star reviews on the XXXX, many of which say they deserve 0 stars and call them scammers. They are untrained at best, and outright thieves at worst. I just want a refund of my overpayment and to never think about their incompetence again.
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Receivables, Inc. (GA)

I have had a debt collection company calling me incessantly for over a year. I spoke with someone named XXXX at the company and provided my check card info with the agreement they would deduct {$25.00} a month from my back account to pay my debt and asked that they never contact my job or my husband. Since then they never took a payment out as was agreed, they not only called me incessantly but my husband as well and last time they called they insinuated they were calling from my doctors office to attempt to get my husband who was at work at the time to get me on the phone and then called my employer after being asked to never call them. When I have spoken to them they have been nothing but rude.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

We want to be included in the law suit against wells fargo, they foreclosed on our home illegally. Stating we owed XXXX on home. we never refinanced home, built the home for XXXX in XXXX. Payments unapplied, file bankrupsy to keep the home. They had our payments at XXXX per month plus XXXX bankrupsy payments. Nothing ever applied. We were told they put us in a jack leg loan. refused to lower our interest rate of 8 % an to help us with any modification. We want our name on the top of the list in law suit. I hope the Federal Government comes down on Wells Fargo hard and they have to repay people like us they scammed.
Consumer complaint received 2018-03-23
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 (GA)

I have been disputing 2 Capital One Credit Card accounts reporting on my Credit bureau reports since XXXX 2017. I have disputed directly with the 3 bureaus as will as with the creditor that these two accounts are not mine and to provide contractual proof, validation and procedural requests that these accounts are mine and to remove them as they are hurting my credit score and file. I keep getting letters stating " Information updated '' or " Verified by the bureaus and the Creditor keeps sending letters asking me to send in additional information, sent me a copy of a bill and or says they see no evidence of fraud on the account. I am getting the run around here and I'm tired of it.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (MA)

I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the XXXX X XXXX day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MN)

I have changed my address with discover on the XXXX of XXXX. And received multiple confirmation emails even a week later saying my new card has been shipped to my address.. However i was not paying much attention to the card, i found after a month saying that they have been trying to deliver my card to an address which i never gave them not changed my self on the account. When contacted the customer care. They simply do not have any clue on how that new address even came up on the account. So scared my details have been compromised. I have never changed my address.. not sure how they would change on their own.. unless some fraud or scam was done on the back end
Consumer complaint received 2022-08-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

NATIONAL CREDIT ADJUSTERS , LLC is a debt buyer who previously bought an account from the original creditor. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Notice for Validation of Debts Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX, XXXX ( All Rights reserved )