davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I got a text from Wells Fargo that claimed my account had been hacked and someone was trying to take {$13000.00} out of my account. I told them that I was not aware to which they called me from the Wells Fargo number and advised that I close my account ASAP and they set up a new one with me. Rushing me because I had no idea how this could happen, they transferred me over to someone else and told me my new account number. I didn't know anything about wire transfers and never used XXXX, none of that. they told me my new account number and I wire transfer two different amounts. One at {$2800.00}, the other at {$6600.00} which I found out was person in Florida named XXXX XXXX. Once my roommate told me something didn't seem right, I hung up and called the same number on the back of my debit card and told them I thought I was cammed, and the person who I spoke with instantly told me I was. Weird, since they didn't have all my info yet. I watched it pending for the majority of the day, which I called to tell them immediately after the call. the transaction eventually went through the next day. I called Wells Fargo again to get this fixed, and of course, there is nothing they can do. I filed a report to the police and submitted my stuff to the FBI as well. All my accounts have been closed and they issued me a new account. I have talked to managers there and something just doesn't seem right with that company. After reading about wire transfers, they should have stopped the initial transactions.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 
I am challenging the validity of this alleged eviction you have listed on my consumer report. I recently Challenged this same account with the credit bureaus and they came back stating that they have " verified '' this account with XXXX XXXX. To my knowledge your company has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me so with that being said, please send me ANY supporting documents you have on file that you believe justify such defaming information. I am expecting a response from you within 15 days from this letter. If such documents can not be produced, please delete this eviction from my report immediately.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (TX)

I had hardship and was behind on some payments but I received a default letter in XXXX. I spoke with an agent that told me if I caught up on the late payments, that I could then pay the excessive fee of $ XXXXplus as I go. I caught up all the payments. When I went to pay this month I was locked out of the payment feature. I called and was told that I was sent to foreclosure and I asked why. They said because of the fees. I've received a letter from them and now I have $ XXXXplus in fees and I don't know why.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (GA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I made a payment on XX/XX/XXXX through Capital One Auto Finance automated service for the amount of my monthly car loan payment. I received an email on XX/XX/XXXX stating my payment was past due, I thought they had not received it yet. I received a call from Capital One Auto Finance on XX/XX/XXXX, that I needed to make a payment, my loan was past due. I returned their call and stated to them that I made a payment on XX/XX/XXXX, I also looked up my bank statements, and the payment for Capital One Auto Finance cleared my bank on XX/XX/XXXX. I proceeded to give them the confirmation number for that call, and they could not find it, nor the payment. They told me on XX/XX/XXXX that I needed to faxed them a bank statement, that the payment cleared through my bank. I did that. They called again on XX/XX/XXXX claiming they did not get a payment for XXXX, I told them I faxed over paperwork on XXXX XXXX the XX/XX/XXXX they called, they then claim because I did not send 30 days of bank statement, only the one that has their name on it, that they could not except that. I have read my contract, even talk to the loan officer at the car company, there is no documentation stating that I have to send 30 days worth of bank statements. She stated to me that if I did not send them 30 days of statements, that I was prolonging the situation, which I took as a threat. I called my bank, on XX/XX/XXXX, they printed of a statement with the XXXX ID number on it for the payment, they refused to take it over the phone. I had to fax them again on XX/XX/XXXX. I also have received an email on XX/XX/XXXX about my payment being late. My payment is almost a month behind, and they want to add late fees. I have received several emails as well. All and all, they lost my payment, giving me a hard time about it. They don't even try to do anything over the phone with the information I have provided. They are rude and disrespectful. I am doing all the work for their mistake.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (OH)

On XX/XX/year> I sent a XXXX payment totaling {$1800.00} in exchange for concert tickets. The payment was sent to someone I know and trust. But their XXXX had been hacked and I never received the tickets. 

I immediately reported the incident to citibank, XXXX, and XXXX. All institutions have done nothing to bring the situation to justice. My friend still can not access his XXXX profile and the hacker is scamming more people. Citibank did not refund me, provide information on the hacker, or shut down accounts. I spoke with several customer service agents and sent a letter requesting an investigation report but I haven't received anything. I have spent more than 24 hours on this and feel stressed about losing a large amount of my hard earned money that is inconsequential to citibank.
Consumer complaint received 2024-06-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

Im trying to charge my card not working XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (SD)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

15 U.S.C. 1666b ( a ) Time to make paymen

ts A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has questionable banking practices. I had a XXXX sent to me tonight that was taken from the sender but not deposited in my account. 

Reference call number XXXX with XXXX. XXXX XXXX EST tomorrow was the latest time guaranteed for accepted or rejected.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC. (OK)

I do not have a bank account with Arvest Bank. I received the following message via text today ( XX/XX/year> ) from the phone number XXXX ( XXXX ) XXXX. 

Arvest-Go : Amount {$300.00} processing on you # XXXX. reply with " YES '' to approve. If this wasn't you, please visitXXXX XXXX XXXX XXXX Thank You! 

This is fraudulent. Even if I did have such an account, no such transaction matches with my expenditures recently. I will report the incident to the bank on Monday, but hope yall can use this report to help catch the perpetrators.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Debt collectors are trying to say that I owe XXXX. I havent opened a credit card in my life. I was sent A credit card statement by a third-party. On the credit card statement, it pointed out that my account was open in XX/XX/XXXX. I Wouldve been XXXX at the time that the card was opened. 

Ive recently found out I have another credit card opened in my name opened in XX/XX/XXXX with a balance of {$960.00}. Again never opened or used a credit card.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SD)

Please reference case XXXX. Wells Fargo submitted their documents which were used to make their decision on that claim. However, the documents they provided did not show proof that any items where shipped, nor delivered. A shipping label was provided, however the tracking number on the label shows no activity in the USPS system, nor does the tracking number appear in any of the USPS Informed Delivery E-mails I have received. See attached screenshot which shows that the label was created, but no item was ever sent. Additionally, the " XXXX '' documents supplied don't even list a shipping address on it.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MD)

I have been receiving emails from Affirm noting that I have an account that is past due and being reported to credit bureaus. I emailed them back requesting more information and sent screen shots of my account to show them that the information they supposedly reported is wrong. I subsequently called them as well and they confirmed that the account in question is fully paid. I then saw that the information is on my credit file. The account in question is not even found in my affirm account nor have I ever had a payment to them that equals the amount they claim is my monthly payment for the supposed delinquent account. Credit bureaus have investigated and claim that affirm adequately confirmed the legitimacy of the supposed account. I have screen shots of my affirm account that prove they are reporting inaccurate information. I want this removed from my credit report
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs bank USA Attn : CFO Goldman Sachs bank USA XXXX XXXX XXXX XXXX XXXX XXXX, UT NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. 
2003 ) I have not initiated any transaction with Goldman Sachs. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Goldman Sachs for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

PNC Bank enrolled debit card, that is linked to my checking and savings account to third party digital wallet XXXX without my consent. They claim they have a notice that they sent an email about this, but I do not remember getting it. Any way, the fact that they notified that they enroll should not serve as customer consent to agree to third party service agreement and third party terms and conditions. I tried to have them to opt me out, and the instructions I got were only for mobile app users. After trying to figure out through online banking website, I still was not able to find out how to remove my debit card from that third party service. They said I had to call customer service so they would navigate me through opting out ( why customer service on chat is not able to do it??? makes no sense ). 
So, 1 ) PNC willingly exposed my sensitive information such as personal information and account numbers with third party service. 2 ) They enrolled me into third party service and accepted third party 's terms and conditions on my behalf without my consent. 3 ) For some reason, they decided that sending an email should qualify as a customer consent to third party 's service agreement and conditions. 
I truly believe that my sensitive personal and banking information has been violated. My checking account is where my paycheck is going, and my savings account is where my money is being saved. They handed this information to a third party without even asking the customer if they want that service or not. In case of a data breach, who is responsible? To add, you can not contact XXXX as an individual customer. Only a bank can opt out. What is the deal that this is so complicated to handle?