davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I opened an account at Wells Fargo and wand Wells Fargo gave me some money back from an investment amount of a XXXX XXXX and then there was also a XXXX XXXX dollars that was placed in the account on that day and this is the bank on between XXXX and XXXX and XXXX XXXX on market in XXXX XXXX and and I found out that they were giving away the money in my account and I'm winning a couple days later Or maybe A-day later and there were people we're people getting money in paper bags from the bankers.. In addition Wells Fargo and every other bank in the world just about has taken XXXX XXXX XXXX that was placed in every bank XXXX years ago in my name XXXX XXXX XXXX I want my money returned immediately! As well as from all other Banks and persons who had taken it! There was also {$900000.00} deposited into my serve account under XXXX and I want that back as well
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

I initially disputed this debt with the credit bureaus back in XXXX XXXX, with the results being that the account was verified as being mine. I have since sent the collection agency request for debt validation to the fax number that has been provide by them, however they repeatedly say they did n't get the faxes though the faxes state they were successfully transmitted. I have spoken with a representative at this collection agency and was advised of the company they were collecting on the behalf of. I contacted the company that is listed as the Original Creditor that this collection is " supposedly '' collecting on the behalf of and they do n't have any information in their systems for me nor that I ever had an account with them in any way. I was advised by XXXX at Capstone that they were collecting on behalf of a property management  company by the name of XXXX, after doing extensive research and placing calls to the company that I did find with this name, they have never been affiliated with anyone " supposedly involved '' with this account, not Capstone Credit & Collections nor River Oaks Apartments. In fact, Florida is a state in which companies must be registered and licensed, and the XXXX company I pulled up is not " licensed '' and is not active. 

I have sent them this information and they continue to report this account to the credit bureaus.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
Consumer complaint received 2017-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (GA)

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company that the account was not mine and the company did n't remove the information from my credit report. 

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company the account was not owned by me disputed the account more than once and no changes have been made. 

Credit control corp/XXXX XXXX XXXXXXXX adv the company that the account was not mine disputed the account more than once and no changes have been made to my credit report.
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

It has come to my attention that Wells Fargo has issued a Non Sufficient Funds fee for an unauthorized transaction. On XX/XX/XXXX I incurred a {$35.00} fee for the following transaction : {$12.00} XXXX XXXX XXXX A previous conversation with Wells Fargo indicated that withdrawals from XXXX were unauthorized. Wells Fargo informed me they would issue a stop-payment on all future withdrawals from XXXX. However, Wells Fargo continues to fine me {$35.00} per XXXX withdrawal attempt. 

The Non Sufficient Funds fee created a domino effect of two more Over Draft fees and Non Sufficient Fund fees. These fees were incurred XX/XX/XXXX. 

I am also concerned that Wells Fargo is rearranging debits and credits, causing my bank balance to fall below {$0.00}. I believe this is done in an attempt to maximize Over Draft and Non Sufficient Funds fees. 

Total fees incurred are ( {$35.00} + {$35.00} + {$35.00} ) =  {$100.00}
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have had 3 incidents recently of people trying to open either savings on checking accounts w/ 3 different banks using my name, email address & i assume my SSN. 
On XX/XX/2023 I received email from Capital One claiming they needed my ID for application XXXX & another one claiming my phone # was updated. I have never opened an account with them. I'm not trying to open one either. I called Capital One fraud line and was told they couldn't even check to see if something was opened w/o giving my SSN over the phone even though i gave them the application # that was in the email. I did not see an email address that i could forward the emails to for Capital One to report the fraud to. 

In XX/XX/2023 I received emails from XXXX XXXX XXXX and XXXX saying applications were declined. I forwarded the email from XXXX XXXX XXXX to their security/abuse email address & i called one of their locations to report the matter. I never got a response to the emails but was told over the phone that the account would be closed. I called XXXX too & supposedly the account was declined & would be flagged. I have never applied for any type of bank or credit account with these banks. 

I'm pretty sure my information has been exposed multiple times during various breaches ( i.e. XXXX, XXXX, IRS, etc ). I do have fraud alerts on my credit reports and it appears the banks are using something else other than credit reports to start applications for checking & savings accounts. I have also added an alert to the XXXX XXXX site. But that does not appear to stop folks from trying to open stuff in my name.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (KS)

under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-04-15
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. (OR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently received a notification that a new credit card was opened in my name. I reviewed my credit report and saw that a Kohls charge card was opened on XX/XX/22. This was not done by me and in order to dispute, I was told I needed to file a complaint on this website.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, XXXX, and Transunion were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, Transunion, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, XXXX, and Transunion refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, XXXX, and Transunion- to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
Consumer complaint received 2017-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I have been trying to contact Midland Credit Management regarding collection issues. I have notified Midland several times advising that they are not providing the correct amount of what they allege I owe from a loan that they received from XXXX. I had requested that Midland provide copies of the original loan, any vouchers I have signed and/or transactions as well as the interest changes to the account which they should have from the original loan. To date, Midland has failed to do so and they continue to report an inaccurate amount to the credit reporting bureaus. I have notified the credit reporting bureaus of the discrepancy but Midland continues to state that I owe the amount of {$7200.00} which is vigorously being contested and disputed. As a consumer, I have rights that are being violated by Midland and I will have to resort to seeking legal counsel in this regard since Midland has not agreed to nor have they provided any proof of their inaccurate reporting to the credit reporting agencies. 
Midland has a duty and obligation to provide the information I am requesting in order to provide accurate and correct reporting of the debt they claim I owe. If they continue to ignore my requests since I have reached out to them several times, I will have no recourse but to consult with legal counsel as I believe I am being discriminated against because Midland has placed my account in collections but have not provided accurate documentation of what the correct amount of the debt is.
Consumer complaint received 2021-12-15
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I sent a letter on XX/XX/XXXX to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX Ive already included this in my previous Complaints & I am including it again., XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$920.00} XX/XX/XXXX
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION (PA)

i tried to transfer money using xoom on XX/XX/2022 at XXXX XXXX, it canceled out on xooms end, they withdrew the XXXX from my bank account i was sending it to, inturn overdrawing my account ... at XXXX XXXX  i tranfered XXXX more to clear this negative. when i checked later i was still missing the XXXX, as my account had the originial begining balance of XXXX, so i have reached out mulitiple times to xoom, mulitiple emails, i am getting no where. ive seen them screenshots of all the asked for info, transactions etc, this has been going on for 21 days, i dont have an extra XXXX to just throw away and they dont care, just hang up on you, and tell you your wrong, or no thats not it, so i need help
Consumer complaint received 2023-10-16
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. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
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 — Account status incorrect
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Bank , N.A . ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, Wells Fargo stopped pursuing me for this debt. However, Wells Fargo is still updating my credit report each month regarding this debt. I would like Wells Fargo to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both Wells Fargo and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, Equifax, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As ofXX/XX/XXXX, the inaccurate information is still reporting on my Equifax, XXXX, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match public record data to consumer credit files for Equifax. Equifax performs this matching themselves. 


Equifax, XXXX, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, Equifax, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
Consumer complaint received 2019-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

TRANSWORLD SYSEM/XXXX # XXXX Re : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (AZ)

Hello, My Bankruptcy included my home in XXXX WI that is now serviced by Ditech. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on Ditech 's part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with Ditech over two hours and they did not take my call.