davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TX)

I was on XXXX to find a rent house. When I submitted a request for a property showing it took me to XXXX where I filled out an application. The man named XXXX XXXX XXXX or XXXX XXXX, contacted me to take the home off the market and to do that I had to pay the security deposit. He said he will take XXXX payment in the amount of {$1500.00}. The email he provided for this deposit was XXXX and he sent me a leasing contracts with the state of Texas printed on the top of page to me from XXXX. he was supposed to meet me at XXXX XXXX XXXX XXXX XXXX Texas three times he never showed up. After two days the XXXX website sent me an email saying they took the property off the market and it might be fraudulent. It was too late by then, he already had all my sensitive information. SS DOB and address.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: ADP Inc. (IL)

I reported a list card on XX/XX/XXXX and was processed a replacement to arrive within 7 to 10 business days. I did not receive this card and then processed another for XXXX to be delivered within 2 to 3 business days after XX/XX/XXXX. I have chatted with the customer service reps multiple times and the continue to tell me to wait and that a tracking number has not been processed by the couriers yet. The charges appear as administrative debt.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On Sunday, XX/XX/2021, My family unfortunately fell victim to a scam. We found this puppy website online and thought we are getting a puppy but this was all a lie. These people do not have any puppies and used a fake address. The individual tricked us into paying him the full amount in Venmo for {$860.00}. When I tried to contact Venmo, theres no customer support available as its a Sunday. I had to refer to the apps dispute instructions. The app instructed me to first request money back from the same sender if I would like to get the money back. So I click the one button that says request / pay I put in the same amount {$860.00} I wanted a refund of. 2 buttons right next to each other appeared Request and pay - I accidentally hit pay ( theres no separation on this button, if you have big fingers or just blinked for a microsecond you can easily miss ). And just like that, I paid this individual TWICE! Theres not even a confirmation or review step to make sure. I reached out to venmo multiple times and of course my case was declined. I understand that the user agreement with Venmo should be between people you know, and I understand being out of the money for the first payment I did, but the second payment that is made by mistake because of their apps design flaw, they should be held accountable for that. Even with friends and family, not everyone will return your money if you accidentally paid them. It was such a simple fix and highly preventable ( separate the buttons, have different tabs for requesting and paying, or even have an extra review step ). I have taken all the necessary steps I need including reporting to my local law enforcement agency, filing a police report, and reporting to the CFPB. Venmo should as well, because with the way things are, they are aiding and abetting scammers and dishonest people.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

In XX/XX/2022, I contacted a person by the name of XXXX XXXX on an app called XXXX about purchasing a XXXX  Puffer Jacket. We moved our conversation to XXXX, where he sent me photos of the jacket and told me his email address. I paid him XXXX euros + XXXX euros for shipping. 

Two or three weeks later, I go to the post office to pick up the package. As soon as I picked up the package, I could tell there was not a puffer jacket in it. It weighed about 5 ounces. I opened the box and there was a wool liner shirt in the box. I contacted the seller on XXXX, and after about 6 messages he blocked me. 

I immediately filed a claim with Paypal. I thought it would be a simple case -- I had clear and convincing evidence that this person scammed me. I submitted all of my evidence to Paypal, and I paid {$20.00} to ship the wool shirt back to the exact address it was sent from. However, I did not take a picture of the return label -- because the clerk at XXXX typed in the address and affixed the label herself. 

Paypal ultimately denied my claim, despite the fact that I provided a tracking number, because I didn't show the address that I shipped the item to. They explained that the BUYER PROTECTION program is also meant to protect sellers who " accidentally ship the wrong item '' and would be harmed if the purchaser falsely shipped the item back -- which is completely logical... IF THE SELLER ACTUALLY SENT THE ITEM BY MISTAKE. But when the seller clearly ships a wool liner shirt instead of a {$1500.00} XXXX puffer jacket, then BLOCKS THE PURCHASER ON XXXX, it is beyond apparent that the transaction is fraudulent, and Paypal has a duty to its users to diligently and accurately investigate fraud on their platform, which they failed to do here. Paypal 's employees were extremely negligent in investigating this fraud claim and I've been harmed as a result.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CALIFORNIA XXXX Date of Birth : XX/XX/year> SS # : XXXX XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report.

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX Current Reported Balance : {$9900.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories.

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXXXXXX XXXX XXXX  self lender. I also noticed multiple inquiries reporting : 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2023-07-19
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
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. (TX)

I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and XXXX - Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I received an email from Wells Fargo confirming I had requested a new card with my account number sent to an address in New Jersey. I made no such request. I called Wells Fargo at XXXX XXXX, phone number XXXX. The call lasted XXXX minutes. I confirmed I did not make that request. The customer service person went over 2 charges with me that were fraudulent. And assured me that it would be handled. 3 days later I checked my balance and one of the charges was still on my account. I then filed a dispute on the charge for {$430.00}. The other charge was over {$500.00}. Since then, I have spent over XXXX hours and XXXX phone calls with Wells Fargo. It has been 13 business days since my original call. Wells Fargo commitment is XXXX business days to have a fraud resolved. Wells Fargo just sent an email to me and said it would be 7 more business days to review my complaint. This is unacceptable for a fraudulent claim. Many years ago my XXXX XXXX number was compromised. XXXX handled the problem with 1 telephone call.
Consumer complaint received 2022-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

I continue to receive calls from Fay Servicing despite me being current. I was on the phone with a representative today, XX/XX/2022, between XXXX XXXX AM EST. The representative I talked to was being rude and accused me of calling to start a fight when I called to inquire about why I received a letter that even mentioned the word " foreclosure ''. I was understandably frustrated. I was also very transparent and shared that the company does not have good reviews on either XXXX or XXXX. I was honestly hoping to receive some type of reassurance that my mortgage was in good hands. The rep I spoke with has left me feeling even more concerned. 

My mortgage was transferred to Fay Servicing on XX/XX/2022, from XXXX XXXX. Under federal law, I have a right to a 60-day grace period in which I can not be considered late or anything. I paid my mortgage recently. Twice... .two payments. During the window, I kept receiving calls from Fay Servicing which should not have been happening. Furthermore, when I first registered with Fay Servicing online, the dashboard said I was XXXX days late dating back to XX/XX/XXXX but the loan didn't actually transfer until XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that I have delinquent payments. Fay Servicing has a reputation for foreclosing on people 's homes unjustifiably. It is my understanding that they recently faced a lawsuit. 

If I am being overactive in my approach, my apologies. I will rather be overactive and proactive than inactive and reactive, especially when it comes to my personal affairs which include my home. My home is my biggest and proudest investment and I can not stand idly by to watch an incompetent lender with a terrible reputation prey on the very thing I worked so hard for. 

I look forward to talking with someone soon to get clarity and assurance.
Consumer complaint received 2024-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (GA)

On XXXX They took out out my account were I received social security I'm XXXX. They took {$600.00} and freeze my account with my social security payment in it and they also took {$100.00} out my son savings account my son is in XXXX with XXXX. I had no knowledge that they would of freeze nor take money out my account. So how do I supposed to pay bills. The XXXX XXXX XXXX  stated that I can not remove no money from the account. I have XXXX  XXXX XXXX and XXXX XXXX  XXXX and my XXXX  is messed up. I also pays for my medication now how I can't get my meds.
Consumer complaint received 2022-06-17
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. (NV)

So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-07-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
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 XXXX XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX account # XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX, XXXX XXXX opened on XX/XX/XXXX account # XXXX XXXX  on XX/XX/XXXX account # XXXX. A student loan account Us dept of ed on XX/XX/XXXX account # XXXX, A student loan account Us dept of ed opened on XX/XX/XXXX account # XXXX. A installment account XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.