davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

Dear CFPB Professionals : I have received no credible response from Wells Fargo Bank in over 2 years of CFPB. 

Wells Fargo has stranded me again on vacation in XXXX with no credit card. 

I have had no credits or access to my accounts for 2 years now. Wells Fargo team has taken advantage once again of my travel schedule> I have an active broker, checking and savings account for 4 years. 

Summary of Account Closing and Failed Credits Complaint : 1. ). In XX/XX/2023 I rented a car from XXXX and Wells Fargo failed to close my account as my card was turned but, but Wells Fargo Security processed the fraudulent transaction ( {$1200.00} ) and lowered my account balances, and took the money. No security or rep follow-up was written and promised on the phone by a young Rep ( details to follow ). 

2. ) In XXXX & XX/XX/2023 Wells Fargo closed my checking account totaling {$8300.00} with no credits and disappeared with my money for 4 months. Finally in XXXX or XX/XX/2023 ( 5th phone/letter ), Wells Fargo Rep sent my retirement fund to my XXXX  summer address. The Spanish bank put a 30-day hold on thinking it might bounce. Wells was very responsive on XX/XX/2023 within 10 days, magically, they could find a quick trick to keep my money in their holding account. 
WF immediately sent, via certified an indemnification " TRAP '' letter. See Details. 

XXXX. ). XX/XX/2023 I am still stranded in XXXX without a debit card or active account and {$5500.00} in credits not received. SEE Detailed Letter
Consumer complaint received 2023-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (ND)

And as far as dates and times this has been going on for years I finally decided to fight back I'll get as close as I can on the dates from XX/XX/XXXX all the way up to XX/XX/XXXX every day they would call even on the weekends then I heard if you use the word stop, then they would stop and it did. Then the letters started coming and I found some in accurate information XXXX XXXX, XXXX XXXX. I wrote letters to all of them asking them for a detailed account of the information they had I told him they have 30 days to respond. This was sent on XX/XX/XXXX. No response then I got to looking at the dates on what was being reported and found with all three agencies that there's inconsistencies in their dates and Active this is incorrect or this is why I am writing to you. I am familiar with something called 15 USC section 168. I heard that if you can provide proof these cards must be deleted and I want these accounts deleted if they are not 100 % correct please investigate I know you have 30 days to complete an investigation. Can you please remove them
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Consumer complaint received 2023-07-28
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. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-08-19
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. (SC)

Subject : Complaint Regarding Illegitimate Collections on XXXX, XXXX, and TransUnion Credit Reports To Whom It May Concern, I am writing to file a formal complaint against [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] for posting the same illegitimate collection on my XXXX, XXXX, and TransUnion credit reports. I believe that these actions are in direct violation of several laws and regulations governing the collection of debts, as well as my consumer rights. 

[ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have both reported a collection account that I strongly dispute. Notably, these two creditors are attempting to collect on the same debt, which is misleading and damaging to my creditworthiness. I have attached copies of my correspondence with both creditors, demonstrating my efforts to rectify this situation. 

The actions of [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] appear to be in violation of the following laws and regulations : 1. Fair Debt Collection Practices Act ( FDCPA ) : These creditors are engaging in unfair and deceptive practices by double-reporting the same debt. Section 807 of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations, including those that falsely represent the character, amount, or legal status of any debt.

2. Fair Credit Reporting Act ( FCRA ) : The repeated reporting of the same illegitimate debt by [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] is a violation of the FCRAs accuracy and integrity requirements ( Section 611 ). It has caused significant harm to my credit score and overall financial well-being.

3. Consumer Financial Protection Bureau Regulations : [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have violated Regulation V, which implements the FCRA. This includes their failure to conduct a reasonable investigation into the accuracy of the information they reported and their disregard for my rights as a consumer.

4. Deceptive and Unfair Trade Practices Acts ( State Laws ) : Their actions may also be in violation of state consumer protection laws, including those related to deceptive or unfair trade practices. 

I believe that [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have infringed upon my consumer rights by unlawfully posting inaccurate and duplicate information on my credit reports. This has had a detrimental impact on my ability to secure loans, housing, and other financial opportunities. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to hold these creditors accountable for their actions. 

I appreciate your attention to this matter and hope for a prompt resolution. 

Thank you for your assistance in addressing this issue and ensuring that my rights as a consumer are upheld.
Consumer complaint received 2023-07-28
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. XXXX XXXX. XXXXXXXX XXXX  XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-19
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account XXXX Dear TransUnion Consumer Relations, I am writing to formally dispute the accuracy and validity of an account that is being reported on my credit report. The account in question is referenced by the account number XXXX. According to my credit report, the account details are as follows : Creditor : XXXX XXXX Balance : {$470.00} Highest Balance : $ 432 Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Term : 7 months Payment History : You've indicated that I've made 100 % of payments for this account on time. 
I would like to bring to your attention that I have no knowledge of this account, and I do not recall entering into any agreement with XXXX XXXX or any other entity for the debt mentioned above. Additionally, the payment history provided does not accurately reflect my financial activities. 

Considering the information provided, it appears that there may be an error or misunderstanding. I request that you conduct a thorough investigation into the validity of this account and the accuracy of the reported information. As part of this investigation, I kindly ask that you provide the following : Verification that the debt is indeed associated with me and that I am responsible for it. 
Copies of any documentation, contracts, or agreements related to this debt. 
Detailed payment history, including dates and amounts of payments made. 
Any communication or correspondence from XXXX XXXX related to this account. 
I believe it is crucial to resolve this matter promptly, as it is adversely affecting my credit standing. I have always been diligent in managing my finances and ensuring that my credit report is accurate. I respectfully request that you expedite the investigation process and provide me with a written response outlining the results of your investigation. 

In accordance with my rights under the Fair Credit Reporting Act, I am requesting that you provide a response within 30 days from the date of this letter. If you are unable to verify the accuracy of this account, I request that it be removed from my credit report immediately. 

I appreciate your attention to this matter and your commitment to upholding the accuracy of credit reporting. Please provide any communication regarding this dispute in writing to the address mentioned above. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (GA)

I file a bankruptcy inXXXX that was later discharge in XX/XX/XXXX  which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits bureau XXXX  Experian and XXXX by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im XXXX
Consumer complaint received 2023-08-19
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX Account # XXXX has violated my rights. XXXX XXXX account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XX/XX/2023 I paid my credit card Balance in Full ( {$450.00} ) In XX/XX/2023 my XXXXXXXX XXXX Acct was Hacked. When my checking acct was hacked. Unknown parties gained access to my checking acct and filed claims against payments to merchants that I made from XXXX. During the investigation XXXX recalled the payments to numerous merchants... placed the money back into my checking acct and unauthorized person ( s ) took the refunded money in the amount of {$3900.00}. from my acct. Even after I contact XXXXXXXX XXXX  and attempted to stop my payroll check. XXXX reassured me over and over again they would place my payroll for XX/XX/2023 in a holding acct. That didn't happen. XXXX took my entire payroll check. 

XXXX closed my bank acct once I contacted them in XX/XX/2023 to find out why there were claims against payments. I never filed any such claims. 
I was finally able to obtain my bank statement via US Postal Service. from XXXX Bank. 

I called Capital One and a representative sent me a link to attach my XXXX Bank Acct statements : # 1 Statement- Capital One acct payment made in full XX/XX/2023 therefore I had a {$0.00} balance. 
# XXXX XXXX XXXX reversed by XXXX # XXXX Statement-Reflecting dates amt amounts returned to Capital One.

I was told at that point to allow 7-10 business days for Capital One to resolve the issue. 
I placed another call to Capital One after 7-10 business days and was advised to resend the statements because they were never received. The representative sent me another secure link to attach my proof of payment / statements ... and again I was told to please allow 7-10 business days.

I called after 7-10 business days and the representative said he had to Conference CalXXXX with XXXX XXXX  to verify if I was the sole bank acct holder. The representative made the conference call with XXXX. I verified the information needed by Capital One... Again ..Capital One representative said please allow 7-10 business days.

In the meantime, Capital One is sending me notifications that my Credit Card Acct was delinquent. Because I was afraid Capital One was reporting late payments to the credit bureaus, I made a payment on acct that I don't owe any money on.

Now today I followed up with Capital One and was told they now need the actual debit card # that was attached to my checking acct. I shredded the card after XXXX Closed my checking acct. 
Now I don't know what to do. I've complied with every request from Capital One to get this matter resolved but every time I call/ follow up I'm told there's one more thing that I have to do.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

During a recent review of the consumer 's credit report, we discovered inaccuracies pertaining to three collections accounts managed by Midland Credit Management. Specifically, between XX/XX/2023, and XX/XX/2023, there were unexplained increases of {$1.00} each in the balances of these accounts, as detailed below : Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$6400.00} New Balance ( as of XX/XX/2023 ) : {$6400.00} Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$450.00} New Balance ( as of XX/XX/2023 ) : {$450.00} Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$340.00} New Balance ( as of XX/XX/2023 ) : {$340.00} These discrepancies are not only concerning but also detrimental to the consumer 's creditworthiness and financial standing. It is imperative that these inaccuracies are promptly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the consumer 's credit report. 

We kindly request the following actions be taken : Conduct a thorough investigation into the reported inaccuracies in the balances of the XXXX  collections accounts managed by Midland Credit Management for the specified time frame. 

Verify the accuracy of the information reported by Midland Credit Management and ensure that any erroneous data is rectified immediately. 

Remove the incorrect information from the consumer 's credit report to prevent any adverse effects on their creditworthiness and financial standing. 

Provide a written response outlining the findings of the investigation and the actions taken to resolve this matter. 

We appreciate your prompt attention to this issue and your dedication to maintaining the integrity of the credit reporting system. Please do not hesitate to contact us at XXXX if you require any further details or documentation to assist in your investigation. 

Thank you for your assistance in rectifying these inaccuracies and ensuring fair and accurate credit reporting.
Consumer complaint received 2023-08-21
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please know the information on my credit report is not correct. I've listed personal information that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-07-28
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. (IN)

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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-28
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, to inform you that there is no third party involved in the process. I sent letters to XXXX and Transunion Credit bureaus the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023, and still nothing from them. That means XXXX and Transunion credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (FL)

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!