davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I'm a victim of bank fraud because of transactions that occurred at the Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located in XXXX Texas XXXX I checked my account-activity the XXXX of Saturday XX/XX/XXXX and noticed on Friday XX/XX/XXXX, XXXX in-branch bank withdrawals were made out of my accounts. The branch teller at this location handed over approximately {$11000.00} of my savings to someone else ( not me ). I do not live in XXXX Texas, nor have I ever visited the state of Texas. I live in another state approximately XXXX miles away. Upon discovery of these erroneous disbursements out of my accounts, I contacted Wells Fargo and asked for reimbursement. I was informed they would conduct an investigation and was given XXXX case numbers. I requested reimbursement right away, but was then told they needed to go through the investigation process, and it could take up to XXXX business days to receive reimbursement. Needless to say, I received reimbursement after multiple calls speaking with supervisors and whoever else I needed to contact further up the chain to get my funds returned to me before their " 10 day window ''. No one at Wells Fargo could/ or would inform me as to the location the theft had occurred because all it stated in my account detail activity next to each withdrawel was " in-branch transaction '' - no location, no identification, no indication as to where the transaction took place. You know how I found out it was the XXXX Texas branch? I received an automated emailed-survey from the XXXX branch asking how my visit was and to give them a XXXX star rating. Upon receiving this email, I contacted the XXXX Texas branch and spoke with the branch manger. I demanded to see every detail on record related to these fraudulent withdrawals, including signatures, id 's, teller information, receipts, video, and if police were notified. But the branch manager would only tell me that the matter is being investigated. I asked the branch manager I needed to speak with her supervisor, but no one else contacted me from that location. I reached out to an attorney who sent a letter to Wells Fargo requesting the above information. Wells Fargo 's legal team responded that providing any documents without a subpoena is against Wells Fargos corporate policy. Also stating Wells Fargos compliance with my request is strictly voluntary. " XXXX '', to me, means they can give the information I seek, but they choose not to - what are they hiding? I need answers - not a word salad. Except for a small balance remaining in my checking account, I moved the rest my funds to a more reputable institution.
Consumer complaint received 2024-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Subject : Notice of Dispute - CAP ONE AUTO XXXX To Whom it may concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the reporting concerning the account CAP ONE AUTO XXXX on my credit report. Upon careful examination, it has come to my attention that there are egregious violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. Consequently, I am demanding immediate action to address and rectify these issues. 

Specifically, I hereby formally request a thorough debt validation, encompassing the following details : Original Contract : Furnish a comprehensive copy of the original contract between the purported creditor and myself pertaining to the account CAP ONE AUTO XXXX. 

Original Creditor : Clearly disclose the name and contact details of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account CAP ONE AUTO XXXX was initially established. 

Date of Last Payment : Specify the exact date of the most recent payment made in connection to this account. 

Date Account Was Closed : Indicate the date on which the account CAP ONE AUTO XXXX was officially closed. 

I am fully cognizant of my rights under the FCRA, and it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to uphold my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, please ensure that any amendments made to my credit report are promptly reflected.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

My consumer rights are been grossly violated. CAVALRY PORTFOLIO SERVICES , LLC Is reporting a debt that I do not owe on my consumer report. Attach is my cease and desist letter that I have sent certified mail. I have not authorize ; or gave authority to this company to report anything. I don't even know who they are and how they obtained ; or possessed my private information without my authority this is aggravated identity theft pursuant to 18 usc 1028A ( a ) ( 1 ) and 18 usc 1028A ( c ) ( 8 ).
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WY)

information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this XXXX XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX XXXX ( XXXX ) XXXX, from, my Experian report
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION (AL)

the vehicle was financed at XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2023 they told me they would provide me the tags and registration within 45 days of purchase by mail but after making the contractual agreement the dealership after 30-45 days never provided me the documents or tags to get the tag and registration. The vehicle was then returned to the dealership in XX/XX/2023 but the dealership never cancelled the loan that was financed as agreed for this vehicle after illegally repossessing the vehicle I have been left with bad credit, they have my trade-in and down payment and first two months loans payments were never reimbursed and the trade in was never given back to me.
Consumer complaint received 2022-11-30
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. (SC)

15 US C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They refused to close an account that I have never activated or used. They continue to hit my credit with late payments. I called and asked to close the account they refused. They do not have the right to use my name as it is copyright and trademark!
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XX/XX/XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX  | XX/XX/XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX/XXXX  |XX/XX/XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate XXXX XXXX  | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX XXXX | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX/XXXX  |XX/XX/XXXXN/AInaccurate XXXX | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Consumer complaint received 2020-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Alabama Housing Finance Authority (NC)

Initiated a request by phone on XX/XX/2020 to stop the preauthorized electronic draft to pay my XXXX mortgage payment. Was told that I needed to stop this 6 days prior to XX/XX/XXXX draft date ( XX/XX/XXXX is Sunday, draft would go out on Monday ). 

From my reading of the EFTA, I can give this revocation orally 3 days prior to the electronic draft. On follow-up with the company, I was told that oral requests are not taken and I would need to send an email which may or may not stop the funds transfer. 

In speaking with a supervisor, I was told their policy was not to accept oral requests to stop payment, which is also not compliant. 

Electronic Funds Transfer Act 1005.10 ( c ) Consumer 's right to stop payment ( 1 ) Notice. A  consumer may stop payment of a preauthorized electronic fund transfer from the consumer 's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer. 

( 2 ) Written confirmation. The financial institution may require the consumer to give written confirmation of a stop-payment order within 14 days of an oral notification. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification. An oral stop-payment order ceases to be binding after 14 days if the consumer fails to provide the required written confirmation.
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I have documentation showing me disputing this account because this account that was paid for by insurance is causing issues. The statement to me was if the bill is not paid my credit would be damage an then hang up the phone. Which is causing damages to my credit upon this very day.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MD)

AS OF TODAY. I LOOKED AT MY CREDIT REPORT AND SAW that a company that I don't know trying to collect a debt that I know nothing about it says that I owe {$1100.00} to a company called XXXX  XXXX XXXX. I have no ida who XXXX XXXX XXXX is. its not my loan. I have never been contacted by these company 's by mail or by phone or in person. I don't know who they are. they don't show an account number or any other information.
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Consumer complaint received 2016-09-22
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (NE)

They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended XXXX back in 2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However Williams Fudge had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called Williams Fudge and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house
Consumer complaint received 2017-07-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

I applied for a home loan with quicken loans ( end of XX/XX/XXXX ) I disclosed there was a foreclosure in the initial questionnaire. I was told I was approved for an FHA loan. They put me in contact with a realtor and I started looking at homes. I found a home that I put an offer on, paid {$400.00} for the appraisal and {$320.00} for the inspection. I was still looking as the real estate market is rather low right now. I was speaking to another lender and disclosed the foreclosure to her and she looked up my credit report and said I would not be able to even start looking for a home until XX/XX/XXXX. When I called quicken loans they assured me that everything was going good and our closing date had been moved up to XX/XX/XXXX. I then began asking how this was possible when I was just told by another lender it was n't possible until XX/XX/XXXX. Then they started fumbling around and changing their words. My wife called and spoke to a XXXX XXXX Representative who " investigated '' the situation. My wife asked her how this was not their fault for allowing us to move forward and pay out {$400.00} for the appraisal and {$320.00} for the inspection. We were lucky enough to save the earnest money of {$3500.00} that was also paid out. If I had not spoke to another lender I would have also lost that. We would have never found out until underwriting which would have been too late to save anything ( if they would have caught it ) The Loan Specialist I was working with seemed over whelmed and over loaded as he could not keep his accounts straight, he asked myself and my wife multiple times regarding the car loans we currently have and only asked 1-2 times regarding the foreclosure. I feel that they are at fault and need to pay us back this money. If they had not given us a false approval we would have never paid out the money we paid. I feel that I was taken advantage of and even a bit violated by what they have put us through.
Consumer complaint received 2022-12-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.