davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Consumer ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Chex Systems , Inc Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX I am writing to request an investigation of the following information that appears on my Chex Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX  Account # : XXXX Routing # XXXX Date of Closure : XXXX Bank : XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Date of Closure : XXXX Bank : XXXX XXXX Open date : XXXX ) Account # : XXXX Routing # : XXXX Date of Closure : XXXX Fraudulent Inquiries due to identity theft XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX a part of XXXX on behalf XXXX XXXX  XXXX XXXX. XXXX XXXX a part of XXXX on behalf XXXX XXXX  XXXX XXXX. XXXX XXXX a part of XXXX on behalf of XXXX XXXX XXXX XXXX XXXX dont recognize the following accounts and inquiries in question. Im a victim of identity theft and I dont recognize these accounts and inquiries on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Applied Data Finance, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

This is a continuation of my earlier complaint against Wells Fargo Bank in CFPB case no. XXXX filed on or about XX/XX/XXXX. Following the response submitted by Wells, I submitted the following feedback alleging wrongful conduct committed by Wells : " Wells Fargo 's response is completely inadequate based on the clear facts of this case. According to information Wells provided to XXXX XXXX. Sheriff [ see pg. XXXX of Sheriffs report ], a total of {$XXXX} was withdrawn from the fraudsters account on XX/XX/XXXX and XX/XX/XXXX following receipt of the first wire of {$XXXX} from XXXX Bank on XX/XX/XXXX. Therefore those funds were no longer in that account and were not available for return to XXXX. According to Wellss own admission in its response dated XX/XX/XXXX at par. 5 : After a fraudster has obtained the funds, the wire transfer can not be reversed. Accordingly, Wells return of {$XXXX} to XXXX on XX/XX/XXXX was improper and should not have occurred. 

On XX/XX/XXXX the second wire from XXXX Bank in the amount of {$XXXX} was received ; and also on XX/XX/XXXX the wire from XXXX XXXX in the amount of {$XXXX} [ my funds ] was received. It is not yet clear the precise time of day when each of those XXXX separate wires was received. 

What is clear from the information in the Sheriffs report provided by XXXX is this : My {$XXXX} funds from XXXX XXXX were recalled for fraud per XXXX case no. XXXX ; and the second {$XXXX} wire from XXXX was recalled for fraud per XXXX case XXXX. XXXX ; and the earlier XX/XX/XXXX wire from XXXX was XXXX per XXXX case XXXX. XXXX. Those case numbers indicate that my recall request from Capital XXXX [ case no. ending in XXXX ] was assigned a lower case number because it was received earlier than either of the XXXX recall requests from XXXX [ case nos. ending in XXXX and XXXX ]. 

Notwithstanding the fact that my recall request from XXXX XXXX was apparently received first, XXXX nevertheless returned funds to XXXX on XX/XX/XXXX in the amount of {$XXXX} and again on XX/XX/XXXX in the amount of {$XXXX}, which actions depleted the balance in the fraudsters receiving account down to XXXX. 

The clear conclusion to be drawn from these facts is this : My {$XXXX} wired funds which was recalled first was wrongfully included in the XXXX amounts returned to XXXX totaling {$XXXX}. Therefore, XXXX actions were wrongful and should not be permitted to stand ; and this investigation should not be closed. I am entitled to a full refund of my {$XXXX}. In addition, XXXX should pay interest on that amount at the highest available rate of interest compounded daily from XX/XX/XXXX until the date it is returned. "
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/19 I applied for the Amex XXXX XXXX and was promised a welcome bonus of XXXX XXXX points after spending {$3000.00} in the first 90 days. On, XX/XX/19 I asked about when the 90 days started with an Amex rep, XXXX. She said I was disqualified for the bonus by XXXX because I have had a XXXX card before, possible with another company like XXXX, which isn't true. When I told her it wasn't true she said that's great, that all I have to do is call XXXX and they will tell Amex I've never had a credit card bonus and Amex will then fix the error that disqualified me for the bonus. I followed her instructions to a XXXX XXXX gave me a reference number : XXXX. On XX/XX/19 I gave that number to Amex, a different Amex rep, XXXX, told me that the first rep was wrong and that I was disqualified because I was gaming the system because over two years ago, I opened a green card and closed it ( that green card has no welcome bonus ) nonetheless, I explained how, back then, due to a system error Amex disqualified me for a referral bonus and reps told me a system error was impossible : Almost a year later, Amex mailed me an apology, admitting a system error mistakenly disqualified me for the referral. After the apology, I started using Amex again. He said sorry, there is no way to overturn the system 's decision to disqualify me, even though I didn't do what the system said I did ( violate the terms and conditions ).
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am attempting to login in to dispute an item on my credit report. I reset my password- they texted me a code I entered it an it says my account is suspended. I contact them by phone they send me a message to chat and complete a form. I did that then they send me more instructions on how to get a live agent but it never connects it keeps hanging the call up and texting me so I am unable to speak with a live agent. 

A consumer should be able to speak with someone without jumping through hoops or hurdles to do so. This has exceeded an hour of me trying to and all Transunion can say is Im a front line when I can not assist with that. So connect or transfer me to someone who can.
Consumer complaint received 2023-03-14
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. (PA)

I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). XXXX and TransUnion credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX was provided my fiancee 's drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (FL)

I am formally disputing and requesting the permanent deletion of a collection account reported by Elevate Recoveries LLC from my credit report. The account in question is inaccurate and has been causing significant harm to my creditworthiness. 

I am disputing this account based on the following violations of consumer protection laws : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation requires debt collectors to provide specific details about the debt, including the name of the creditor and the amount owed. Elevate Recoveries LLC has failed to furnish the necessary information in accordance with this requirement. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This rule mandates that debt collectors disclose information about the consumer 's rights, including their right to dispute the debt. Elevate Recoveries LLC has not adequately informed me of these rights, thus violating this regulation.

3. **12 CFR 1006.34 ( d ) ** : This provision outlines the need for debt collectors to substantiate the debt with proper documentation upon request. Despite my repeated requests, Elevate Recoveries LLC has not provided the required substantiation, which is a direct violation of this regulation.

4. **15 USC 1681s-2 ( a ) ** : According to the Fair Credit Reporting Act, information furnishers must ensure the accuracy of the data they report to credit bureaus. Elevate Recoveries LLC has reported inaccurate information to the credit bureaus without conducting a reasonable investigation into its validity, breaching their duties under this statute.
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp. (WA)

on XX/XX/XXXX Attended XXXX XXXX XXXX XXXX XXXX XXXX. I applied for XXXX  insurance and got approved to start covering from XX/XX/XXXX until XXXX months XXXX. Went in XX/XX/XXXX for another XXXX XXXXd not sure if got billed or not but didn't have knowledge I was going to get billed because I had the XXXX insurance to cover all my XXXX and a couple months XXXX I talked to someone in the hospital and they told me that they would pull this back from my debt. I do have documents stating that I had coverage. The total debt owed to armada corp right now is {$2000.00} the debt was opened XX/XX/XXXX.
Consumer complaint received 2023-02-16
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: GOLDMAN SACHS BANK USA (IN)

My GM Rewards Card at Marcus by Goldman Sachs was charged on XX/XX/XXXX for {$470.00} for an item I did not authorize nor purchase, labeled XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. Upon noticing the charge, I promptly called Goldman Sachs and notified them, and they temporarily credited the charge to my account. Goldman initially denied my claim that this was a fraudulent charge that I did not authorize and conveyed this to me. I asked Goldman for rationale behind why they denied covering my fraudulent charge and they provided information from the merchant, but this fails to show that I made the charge - I didn't and it was unauthorized. From what they told me, this transaction was not in person, and someone stole both my credit card info and personal information. I appealed this decision, and Goldman took a few months to investigate, however they reversed their decision, making me liable for the unauthorized charge notifying me of this decision on XX/XX/XXXX. They asked me for evidence that I didn't authorize the charge, but if the charge is unauthorized and fraudulent, how would I have evidence that it's a charge that I didn't make? That makes absolutely no sense. Upon that appeal, I'm writing to the CFPB. A credit card company should cover unauthorized and fraudulent charges on consumer accounts, and Goldman Sachs has failed to do this. They're asking me to prove the impossible, to prove that I didn't authorize a fraudulent charge - I fail to believe Goldman Sachs makes every customer that has fraudulent charges prove that they didn't make them. ( Dispute ID : XXXX )
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Torriere Holdings INC (AL)

I had a personal loan with XXXX XXXX approved on XX/XX/XXXX Howerver, the account became delinquent due my XXXX and no longer able to work later that year deemed XXXX XXXX  XXXX Veteran at that time. However, I no longer had an income in XXXX. I contacted XXXX XXXX explained my situation, contemplated filing bankruptcy and informed the company that I no longer could make the {$230.00} monthly payment. XXXX XXXX made to offers ; the first at 50 % and the second at XXXX XXXX. I could not afford either, therefore the account was written off. 

Spire Recovery Solutions has been constantly calling and sent and email requesting Validation Notice. They continue to call from different fake numbers and contacted my child today, XX/XX/XXXX left a voice message telling my child this is for XXXX XXXX and it is very important that I contact her immediately. 

I do not owe this company.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact. 
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, has received a statement including the subject matter of an attempt to collect an alleged debt for the Account number ending in - { XXXX }. 
Notice, it is a fact that, I, agent for principal XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( XXXX ). 
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (KS)

Citi card account ending in XXXX. My address changed, and Citi refuses to change my address. Citi mails a new credit card to the old address ( where fraudulent charges could occur on my account without my consent or knowledge ). Citi claims that the account is closed, but refuses to update my address and ships new card to my old address ( identity theft and fraud ).
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX. XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, ( Original Creditor : XXXX XXXX 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 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 2024-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

In regard to transaction address XXXX I had asked coinbase to cancel the transaction and returned the funds to my account because XXXX never received the funds. There was a problem with the transaction that wasn't listed in the details. XXXX does not support XXXX XXXX. XXXX does support XXXX  but not in XXXX. The transaction that I have been dealing with for over 50 days it's stuck somewhere in the blockchain, because the address that was generated from XXXX  in XXXX and the transaction was sent from XXXX XXXX XXXX XXXX. I spoke with XXXX and the only option is for coinbase to recall the transaction. I need someone from coinbase to give me a call on the phone so I can speak to someone. There's no other way to access the transaction that was made. I am aware that the transaction was successful on the coinbase side. However since XXXX doesn't support XXXX XXXX it went to an empty address that nobody has access to. 

I am going to copy and paste the coinbase previous response to my claim the first time. Coin face should have recognized where this error happened without me having to submit another claim. 

Company 's Response Dear XXXX XXXX, Review of your complaint and after reviewing your account, we can see the funds have been successfully sent out of your Coinbase.com account. You can verify this on the block explorer, which is a record of all crypto transactions : XXXX If youre having trouble locating the funds, here are some details to check using the link above : - Ensure you sent funds to the correct address- Ensure you sent funds on the correct network- Ensure you, or the person you sent to, are able to access the wallet where the funds were sent If you sent funds to the wrong address, you'll need to contact the recipient and ask them to return the funds. If you don't know who owns the address, unfortunately there's no way to try to recover the funds due to the irreversible nature of cryptocurrency transactions. If you're having trouble locating funds sent to a site outside of Coinbase, we recommend reaching out to the support team of that site so they can help you to gain access to the account and locate the funds. For future reference, the following link has information on sending and receiving crypto : XXXX XXXX XXXX Please reach out to our support team if you have any further questions. Thank you for your patience and cooperation with this matter. Sincerely, Coinbase XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MS SERVICES LLC (WY)

I have received a summons at work, on XXXX XXXX XXXX. I called the debt company MS Services LLC, to settle a debt before a hearing, judgment, or garnishment happened. On XXXX XXXX XXXX  @ XXXX XXXX. To go over a payment plan, to settle debt so I didn't have to go to court. They refused and said NO rudley saying they can not stop the summons. I spoke with my XXXX XXXX they can settle with me outside of court, and MS services refuses to settle unless pay full amount asked for. I explained to them I can not due to the trauma and the hardships, they didn't care and said I should have taken care of this back in XXXX. They threaten to hang up on me several times. I asked to speak with management, he said NO, I should go and pay my XXXX  bills. I am hanging up with you now if your not gon na pay your bill. They said I could make a payment today towards the amount but it has to be full amount. Which didn't make sense to me. They didn't classified whom they were with nor that our phone call was gon na be recorded. Which was NOT. I called them back to settle with them again before brought my lawyer involved. They said we're still not working with me and hung up again. They were very unprofessional, rude, XXXX.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

My XXXX  and her guy she was seeing on the side decided to steal the phone I was paying for for her to use when we were together and my phone also and they ran my phone bill up and up and I had contacted the phone company about it through their customer support and I was told that there was nothing they would be able to do but that's supposed to be their job and I also was supposed to have theft protection etc. but yet I still ended up with a major debt over them not doing their jobs correctly and telling me that they couldn't help me. I have been told by others with the same company including a couple friends that's work for the company now that they should have turned the phones off when they were notified of what had occurred but yet they failed to do so and I've tried disputing it through credit karma and nothing has been changed.