davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021, I was a victim of the " XXXX Pay yourself '' scam, where a scammer called my cellphone using my bank 's official phone number ( which was saved in my phone for years ), impersonated a Wells Fargo XXXX department agent ( they even gave me a fake name and fake employee ID number ), and told me that money was being stolen from my account using XXXX, and that the only way to cancel that transaction before it was too late is to XXXX " myself '' back the amount. Out of fear and panic, and believing that no one could call me from a Wells Fargo official phone number at the time ( especially since I was on the phone with Wells Fargo agents just 2 days prior ), I obeyed every instruction and ended up sending " myself '' the {$3500.00} using my XXXX name and phone number. Only to find out later that the scammer had used my name and phone number to open a " XXXX bank XXXX  account '', so the money that I sent to my " wells fargo XXXX  account '' using my phone number actually went to that XXXX account that the scammer created using my name and number. I immediately called my bank ( I also called XXXX, who I have NO account with ) as soon as the scammer hung up on me, and even filed a police report the same day, but my bank did absolutely nothing until weeks later ( they even mismanaged the case several times ), only to tell me that it was my fault because I authorized it and therefore they couldn't reimburse me. I tried everything, later learned about then told them about Regulation XXXX, spoke to branch XXXX, appealed the case several times, but they still refused to refund me even though I provided all of the evidence and am still working with the police. They pretty much keep saying, " you authorized it, so it is not our fault '', even though I was deceived by a wells fargo XXXX, using the wells fargo official number. Recently I found this article online : https : XXXX, and it states that we should email or contact you guys. I just want the bank to credit me back the {$3500.00} that I lost. They failed to tell us that their official phone number could be " spoofed '', they failed to cancel the transaction even though I called them IMMEDIATELY after it happened, they even failed to warn us about the scam until months after the amount of victims piled up, even though they knew about it as early as XXXX month before I fell victim to it. And lately, they've been refunding some victims who fell under the exact same scam, after initially denying their claim just like they denied mine. So why are they refunding some and not others even though the cases are literally identical? Please help.
Consumer complaint received 2022-11-02
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. (MO)

This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

XXXX. Account concerning XXXX XXXX XXXX and. 
XXXX. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ). 

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my XXXX XXXX.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MO)

Recently returned from service overseas and applied for a Chase credit card. Was told that I was not approved because I had XXXX credit card applications within 2 years ( I did n't have a credit card until I joined the XXXX 3 years ago ). If they have a rule, their application should clearly state that there is a rule before I applied for their card and had an inquiry and denial on my credit account.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
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. (GA)

I have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and Equifax are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} Equifax reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX acct # XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have a 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 consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I called the Amazon prime store card and regards to my returns. My returns are supposed to go back to my Amazon store card but instead they put it into a gift card balance I've called them several times in the past in XXXX and XXXX in regards to them putting my return payment into a gift card instead of deducting it from my bill. I've been trying this time since XX/XX/XXXX to get them to apply that money to my account and I've been calling several times and they just keep hanging up on me now I closed out my account and want to pay the balance off but they want me to pay on items I've already returned and they have the items and I can't get them to cooperate with me all I want to do is pay the card off and cancel it and have the money that's in that gift card apply to where it belongs my account
Consumer complaint received 2022-06-17
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: CITIBANK, N.A. (MS)

Dear CFPB, XXXX XXXX charged {$10000.00} to the Citibank Visa for attorney fees he sought from Attorney XXXX XXXX. Prior to this XXXX told me that he did not have a citi credit card in my name. Once I saw my statement my attorney alerted XXXX XXXXXXXX XXXX law firm of the charge. It was {$10000.00} for a retainer of which at that date of notice to XXXX XXXXXXXX XXXX firm {$1800.00} had been delivered in services to XXXX XXXX. I also notified Citi bank and also the FTC of identity theft as XXXX XXXX impersonated me on a security website day 's prior to this event. XXXX XXXX did not reverse any charges. Citi Bank also did not reverse any charges. I have copy of the identity theft report as well as the notice sent to XXXX XXXXXXXX XXXX law firm from my attorney.
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX : XXXX : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 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.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Consumer complaint received 2022-06-18
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. 

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 stated a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (CA)

Due to my computer being hacked in XX/XX/2022, my financial information was stolen and a fraudulent loan from Upgrade IncXXXX in the amount of {$21000.00} was taken out in my name. These funds were transferred to my XXXX XXXX account. After many phone calls to Upgrade, I was finally able to transfer the funds back to them on XX/XX/2022. I was told that they had received the amount and I would receive no demands for monthly payment. However, I am still getting emails asking for interest payment. After weeks of unresponded calls to Upgrade Claims Escalation and Resolution Dept, on XX/XX/XXXX I sent them a registered return receipt letter, attached my police report and IDtheft.gov report and requested they remove this loan. I never got a response. My latest call to Upgrade was on XX/XX/2022, and the person I spoke to said he could not transfer my call to their Claims Resolution Dept. He could only make another note in my extensive call log and someone would get back to me in 3 bus. days. I've heard from no one. All I want is for them to stop asking me to pay interest on a loan that no longer exists.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

chexsystem continues to report a fraud account from XXXX XXXX # XXXX with prev fraud balance {$870.00} and {$330.00} when this fraud was reported to creditor XXXX XXXX and they agreed it did not belong to me do to there neglect on having no video or proof of debit withdraw transaction for the amount listed.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (MI)

I understand that I had promised to pay NELNET {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : XXXX XXXX XXXX XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only one who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without 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: HW Holding, Inc (TX)

On around XX/XX/XXXX an alert showed from XXXX about a collection debt from Hunter Warfield for {$7000.00}. 
Hunter Warfield is a collection agency for apartments. The original Creditor is XXXX XXXX  at XXXX in XXXX TX an apartment complex that I have never applied for. 
This debt was opened fraudently in my name around XX/XX/XXXX. 
I've never lived in XXXX. Calls to the apartment complex have gone unanswered. 
Meanwhile I'm disputing this inaccurate information and XXXX says the item was accurate and validated. This is not my debt. I have been subject to identify theft for the past 3 years from the data breaches to where I've put a credit freeze on my account. The XXXX dispute was closed on XX/XX/XXXX and I've called and opened another dispute for this item. I have also contacted the XXXX  on Hunter Warfield.
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. (CA)

in accordance with the fair credit reporting act i believe XXXXXXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
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. (WA)

In accordance with the Fair Credit report act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX has violated my rights. 

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

15U.S.C 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish a account without my written instructions.
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. (MI)

These items are not mines and do not belong to me. these items are identity theft and I am asking that they are removed as the addresses and name does not matchXX/XX/XXXXXXXX BANK {$1000.00} Account number XXXX and XX/XX/XXXX BANK XXXX {$560.00} XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX Original creditor : XX/XX/XXXX XX/XX/XXXX Account number XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Reference number XXXX
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I have been trying to get a refund of a student loan payment I made during the COVID-19 pandemic ( on XX/XX/2020 I believe ) for some time. I have reached out to my servicer- both my original servicer PHEAA, and the servicer my loans were transferred to, XXXX, multiple times via email. PHEAA just keeps telling my my loans were transferred, and XXXX doesn't respond at all. Today I tried to call PHEAA, and after selecting several options from an automated menu, I was instructed to hold. Then the line hung up on me after less than a minute.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I am disputing the debt as reported by Midland Funding for {$6000.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-04-20
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. (NJ)

XXXX continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately.

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ.

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.