davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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 (CA)

To whomever may be reading this, I just want to sincerely thank you for taking time to review my complaint. 

I am writing to bring your attention to a series of fraudulent transactions on my account that occurred on XX/XX/XXXX. My bank, Wells Fargo, closed my claim and refuses to refund me back the money. The unauthorized charges in my checking account, which included retail purchases and money transfers : 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 I promptly reported the fraud to the bank between XX/XX/XXXX and XX/XX/XXXX ( I don't remember the exact date ), leading to a refund. However, the bank later reversed the refund for the XXXX XXXX XXXX transfers, citing closed cases due to the perpetrator having accurate information. This seems perplexing to me because, naturally, they would have my information that's the essence of fraud and how money is stolen. 

Despite explaining the situation during an in-person branch visit on XX/XX/XXXX, they said nothing can be done. I received the documents of their 'evidence ' that was provided to them by XXXX XXXX on XX/XX/XXXX, and it's evident that this is fraud. The transfers were made to an unfamiliar recipient, XXXX XXXX XXXX XXXX, in the XXXX XXXX. This being an international money transfer is already a red flag.The associated phone number does not even match mine, which doesn't support the bank 's claim of XXXX XXXX having all of the right information. 

As a loyal and responsible customer, I am baffled by the bank 's refusal to acknowledge the evident fraudulent activity on XX/XX/XXXX and appreciate any assistance in recovering the funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc (CA)

XXXX XXXX XXXX, an XXXX XXXX XXXX, is attempting to solicit me for funds via PayPal after consuming a stay at my residence from XX/XX/XXXX through XX/XX/XXXX. As such, I provided the proscribed Homestay service to XXXX XXXX in addition to driving from XXXX XXXX to my residence upon occasion. Given this fact, there is no reason to refund any or all funds to XXXX XXXX as he used them in Good Faith and did not complain or any issues upon his vacating the premise. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (HI)

This is a work from home scam. First, I received a text message on XX/XX/XXXX regarding a job opportunity as a XXXX and XXXX  XXXX. After chats through XXXX, a messenger app, for some questions, they sent an email with a job contract which I signed back. On XX/XX/XXXX, they sent a check attached on email and asked me to print it out and deposit to my bank account ( XXXX. ) That check amount, {$1800.00} they said was a funds for me to buy softwares that I need to use for this new job. After the check was deposited, on XX/XX/XXXX, they instructed to send 2 payments, {$900.00} each to XXXX using Zelle. After I made the transactions on the same day, I accepted XXXX to process the transactions. Immediately after ( within 5 minutes ) I realized that is a scam, I called XXXX right away but it was too late and the payments have gone through. XXXX said they can't recover my money sent via Zelle because I have accepted these transactions and nothing can do for the check either. A week later, the check was bounced and turned to be a fake. I also contacted Zelle right away through the Report a Scam page ( they don't provide a customer service phone number ) but they have never responded back to me as of XX/XX/XXXX. A complaint has been filed to CFPB against XXXX bank, complain ID XXXX, and a police report has been filed as well. I contacted Zelle again about the {$900.00} x 2 transactions on XX/XX/XXXX and am waiting for their response. The scam company contacted me first on text messaging and asked me to install XXXX - private messenger app and contacted with rest of the conversation through it. Not single phone conversation was made. There are three people I contacted with : XXXX XXXX XXXX Website : XXXX XXXX  XXXX department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The money I sent through Zelle to : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I disputed the charge from XXXX Concepts for {$6000.00} on XX/XX/XXXX with citibank credit card because I did not make the purchase. The owner of XXXX sent me text messages stating that it was charged to the wrong customer and it was immediately reversed. Citibank charged my account and would not reverse the charge. I filed a dispute on XX/XX/XXXX sending them text messages between myself and the owner of pitch concepts. They resolved the dispute in the merchants favor and held me responsible. I forwarded them email from pitch concepts on XX/XX/XXXX showing again that the charge was a mistake and was reversed. Citibank still has not resolved the dispute despite saying on their website that it will be resolved at the latest by XX/XX/XXXX. They claimed that the merchant is disputing the charge when I have have spoken to pitch concepts multiple times who have said citi bank has not reached out to them. Citibank is claiming that the merchant is lying to me. Pitch concepts have even offered to wire me the money and they will follow up with Citibank so they have no reason to lie to me. I have contacted Citibank repeatedly in the past XXXX months and they keep saying theyre working on it. I have asked the citi banks rep for proof their correspondences with pitch concepts merchant processor ( stripe ) but have not received any documentation from them. The supervisor at Citibank told me on the phone today that Whenever you have give your credit card to a merchant, they can charge your credit card any time for any amount and essentially said they will continue to investigate and if the merchant is disputing it, then youre responsible even though there is clear evidence that I was wrongfully charged. They have said multiple times they require no more information from me yet still wont reverse the charge.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the existence of an account that has appeared on my credit report. After a thorough review of my credit history, it has come to my attention that an account listed under my name is not mine and was opened fraudulently without my knowledge or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. I trust that your bureau will handle this matter in a diligent and lawful manner, and I expect a resolution that removes the fraudulent account from my credit report, allowing me to regain control of my financial standing and peace of mind.
Consumer complaint received 2024-03-14
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. (GA)

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 2023-11-16
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

This company really is predatory and abusive, I can hardly believe that they are still up and running. I had submitted a complaint on midland credit on XX/XX/XXXX  in which it mentioned that I wanted them to cease all communication as described in the FDCPA and how I am well informed with my rights as a consumer. Midland Credit Management really believes that consumers are stupid as they responded to my complaint stating that they are able to sue me which is a clear threat of something they can not do which violates the FDCPA, more specifically 15 USC 1692e ( 5 ) as they can not threaten to take legal action. Furthermore, if they were to proceed with litigation they would be in violation of a very clear law under this act, 15 USC 1692i ( b ) which specifically states that a debt collector CAN NOT take legal action against a consumer. Additionally they have stated that they will only cease communicating with me directly which completely undermined my notice and 15 USC 1692a ( 2 ) /15 USC 1692c ( c ). They continued to harass me indirectly by continuing to report this information to consumer reporting agencies which is a violation of 15 USC 1692c because the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Clearly an indirect medium is credit reporting. Of course I screen shot the law that was on the FTC.GOV website and attached it to this complaint. This company also stated that they have the right to collect on this transferred instrument which is completely false as I did NOT endorse the transferred contract. I am prepared to make Midland credit face the fullest extent of the law as they clearly DO NOT CARE ABOUT THEIR ABUSIVE AND OPPRESSIVE PRACTICES. They have yet to provide me with the entire purchase agreement, not just the bill of sale and my wet ink signature to prove that I endorsed the transferred instrument with midland credit to validate this alleged debt.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (MN)

According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication.
Consumer complaint received 2023-11-16
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. (IN)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Omnex Group, Inc. (CA)

XX/XX/XXXX I sent {$230.00} to XXXX using XXXX Money Transfer service. I have used the service since the year XXXX and have sent more than {$6000.00} to XXXX for international remittances. I have never had an issue until today. The company is claiming money laundering and requesting income statements and identification. It is illegal to request such information from the person sending money. The transaction was cancelled and now I have to seek services elsewhere to pay the bill.
Consumer complaint received 2023-11-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC (TX)

On XXXX XXXX XXXX AMERIHOME MORTGAGE COMPANY LLC carried out an unlawful foreclosure sale on my property. The corporation lacked the necessary authority for this foreclosure as the note had not been legally transferred to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This omission was a deliberate attempt by AMERIHOME MORTGAGE COMPANY LLC to circumvent tax obligations, specifically by avoiding the filing of a Form 1066 income tax return. Such actions constitute a violation of Title 26.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC (TX)

VALOR INTELLIGENCE HAS DAMAGED MY CREDIT FOR A DEBIT THAT I DID NOT OWE, THEY Fraudulently REPLACED A DEBT ON MY CREDIT REPORT THERE BY DAMAGING MY CREDIT Dropping MY SCORE, THE DEBT THEY ARE TRYING TO COLLECT HAS BEEN DESPUTED IN THE PAST AND REMOVED FROM MY CREDIT. I WAT THIS FRAUDULENT COLLECTION DELETED FROM MY REPORT.
Consumer complaint received 2024-04-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (FL)

On XX/XX/year> I purchased a vanilla gift card from my local XXXX and activated it with {$450.00}. In less than 30 minutes, I opened the card and there were numbers missing from the middle of the 16-digit card. I immediately called vanilla and was told, unfortunately, I had to wait 3 to 5 business days to receive a replacement card. I was very upset in that they only took 2 minutes to take my money, sold me a bogus card, and them tells me I have to wait 3 to 5 days to get a replacement. I went back to XXXX and was told they were unable to assist me. I contacted Vanilla customer service again and asked to speak to a manager, which none was available, and was told I needed to put in a case and wait 7 to 10 days to receive a replacement card, even longer than the original wait period. They claimed I was given the wrong information from the original customer service agents. I placed what I thought was a claim, was told to hold on to the card and receipt and I waited. 

On XX/XX/year>, I contacted them to get an ETA on when I would be receiving my card and was told I was missing documents and needed to provide photos of the receipt and card. I asked them, why was I not informed the first five times I initially contacted them and placed a claim about this issue. Again, " I am sorry, there was a miscommunication and now you have to wait an additional 3 to 5 business days after you submit the documents ''. I was also told that I would receive an automated email after the email with the supporting documents were provided and I did not receive it. I called them back and was told to wait an additional 24 hours to receive confirmation. 

At this point I think Incomm is gruesomely taking advantage of vulnerable consumers and causing great harm. Consumers purchase these cards to pay bills, provide for family members and charities to help those in need. It is a shame that they appear to not be facing any consequences for their actions. Consumer alerts deterring the purchase of Vanilla gift cards should be the least of actions taken.
Consumer complaint received 2022-12-06
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. (GA)

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

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions