davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

This is in reference to the fraudulent transactions that took place on my Wells Fargo credit card account ending in # XXXX. As I reported to the FTC, Law Enforcement & Wells Fargo my credit card was stolen and used criminally at multiple locations including my identity which is why I have now involved the FTC with filing an sworn statement and report. I've initiated an investigation with Law Enforcement, private investigative resources and seeking a resolution as soon as possible. The fraudulent balance reporting is in violation of the Fair Credit Reporting Act, specifically Section 609 of the FCRA. The evidence accumulated so far of the fraud is beyond overwhelming. The transactions appear to be all over and to the extent that fraudsters used my credit card information/identity to travel and purchase flights. I have submitted all of this information to the relevant parties and still do not have a resolution nor correction of the accurate balance reporting. I have received conclusive confirmation that my name/identity/credit information has been compromised in recent data breaches and I'm pursuing legal recourse in light of these data breaches. Unfortunately in addition, I still am missing a black briefcase that had sensitive information from the me and my girlfriends including copies of our ID for a lease agreement application. Police is investigating for suspects and I've requested surveillance. Based on the CC statement provided to me from the branch locally there are charges all over and some appear to be almost simultaneous. I was under the impression that as an added protection and layer of security the WF Fraud department will block transactions that appear outside of the norm In looking at these charges, how were these not marked as fraud immediately? Some literally are what appear to be foreign passengers using my information to book flights? The CC statement displays this Intel. How much more conclusive can fraud get. Im currently gathering information being supplied to me from the resources that I've hired including IP addresses, locations and any potential information I can use. As an official statement I would be happy to testify and show the evidence that I was either at home or at work these charges appear to have taken place and I have multiple individuals, coworkers, colleagues and evidence and even work clients that can easily confirm this. Again, the evidence of the fraud is overwhelming. My ask is for the correct, fair and accurate balance be reported before the fraud took place. The last valid transaction was on XX/XX/2019 - # XXXX - {$77.00}.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

Subject - Citi XXXX Preferred Card Per telephone call on XX/XX/2020 - I called company to inform them if i could get a reduced interest rate due to excessive medical expenses due to XXXX XXXX XXXX, and XXXX related medical cost, as i am a senior citizen on a fixed income. I definitely want to repay my debt just wanted some assistance with a interest rate reduction so i can get a handle on the balance owned on this card. 
I could get no assistance on this, and everything was no, with really no explanation.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NC)

I was contacted by XXXX and XXXX XXXX ( XXXX ) acct # XXXX from XXXX NC as a debt collector for Barclays BankCard Services. I entered into an agreement of the threat of a judgment if I did not pay the debt. They agreed and me to hold judgment if I started making payments on the debt which I paid in full. Barclay hired the company to collect the debt. I paid the amount agreed to and received a payoff letter and the debt was closed. I am attaching everything. I was told it was my responsibility to notify credit bureaus of the debt payoff which I did do. I was told to dispute the debt and attach all payment information and the paid debt letter which I did that as well. Barclays Bank through the dispute process is refusing to show the debt as paid. They will not speak with me telling me to contact the attorneys, which I have to no solution. The most recent dispute, Barclay told the credit bureau they had charged off the debt. However, that is not true as I paid the debt. Barclay is also stating I still owed {$200.00} which is also not true. I paid the total debt through the debt collector that Barclay turned the case over to. O told all parties involved I would gladly pay the {$200.00}, but The debt collector states I can pay what is not owed. I am no longer able to dispute the item without new evidence and I have no new evidence.
Consumer complaint received 2019-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My partner and I applied for a Bank of America HELOC refinance of an existing mortgage in early XXXX, 2019. Our equity is between {$1.00} and {$1.00} million dollars. We both have perfect payment records for over 55 years. BOFA stated that our application does not meet their income requirements. We both take RMD distributions from our respective IRA 's. But we take them on a timely basis in order to maximize the income and reduce the tax obligations. This is both a highly discriminatory action and one that would damage our income. We are also penalized from how we take capital gains distributions. The BOFA model for mortgage HELOC applications is flawed. It has taken over 60 hours of our time in submitting documents.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade Recovery Services, LLC (UT)

I received a Demand letter from Meade Recovery Services dated XX/XX/XXXX for a supposed debt owed to XXXX XXXX XXXX XXXX of {$37.00}. This balance was paid in full directly with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX which they confirm. Meade Recovery verbally confirms that they have been told by XXXX XXXX XXXX XXXX not to continue with collections attempts but refuse to provide me with any written confirmation that they have closed their file. 

Given that they have sent me a written demand letter informing me that I had until XX/XX/XXXX to pay the balance before they begin collections practices for this non-existent debt I feel it is only reasonable to expect Meade to provide me with WRITTEN confirmation that they have closed their file at XXXX XXXX XXXX XXXX XXXX request and that any potential collections acts have been ceased,
Consumer complaint received 2020-01-20
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. (NY)

There is an account From XXXX that is reporting on my credit report that does not belong to me and it is affecting my credit score i tried to have it disputed with the bureau but it been more then 45 days and it is still reporting on my credit report
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MA)

Step 1 : On XX/XX/2019, at our request, Flagstar Bank, our mortgage holder, sent out a payment from our escrow account of {$1200.00} to our home insurance company. The check was never received by that company. We called and asked them to find out what had happened. The money was not refunded to our escrow account. 

Step 2 Flagstar then sent out another check in the amount of {$1200.00} on XX/XX/2019, but they put a stop payment on it. This second amount was refunded to our escrow account. 

Step 3 In XXXX, we called Flagstar back and asked them to ensure the money had been sent. Flagstar finally sent a payment again from our escrow account in the amount of {$1200.00} on XX/XX/XXXX. We almost lost our home insurance because of this delay. 

The insurance company did receive this last payment and that was settled. However, the first payment made on XX/XX/XXXX has never been refunded to our escrow account. We have called four times. Each time, we have been assured that the money will be refunded. It is now XXXX, our escrow account is overdrawn, and Flagstar Bank has increased our monthly payments due to this shortage. We are at a loss on what to do.
Consumer complaint received 2019-10-09
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. (AZ)

I am a victim of identity theft. The following accounts and credit inquiries are all fraudulent accounts and credit inquiries : XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I filed a police report with the XXXX Police Department. The police report case number is # : XXXX. The XXXX Police Detective who wrote the police report and is the investigating officer on the case, his name is : XXXX XXXX, of the XXXX Police Department Fraud and Forgery Unit, and his phone number is # : XXXX. XXXX XXXX can verify that all the above accounts and credit inquiries are all fraudulent accounts and credit inquiries that are not my accounts or credit inquiries.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I disputed a missing historicial payment history on my XXXX credit card account, on my Equifax credit report in early XXXX of XXXX.It was verafied as accurate and they never fixed the problem.The payment history is marked monthly as " no data avaiable '' .This is incacurate and needs to be updated.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

An account was opened in my name. I received an email that the account was opened and a debit card was being mailed to the address of my last residence. I signed into the account and froze transfers. I called Chime to try to close the account but was not able to because I do not have the debit card number. I then tried to message in the app, which is how they recommend closing an account, but they said they did not have the tools to help and I needed to email support. I would prefer not to send personal information ( SSN, full name ) in the email to support, so have not done that.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. Experian and XXXX  do not see my XXXX  open accounts as existing, XXXX  reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called Experian and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with Experian directly. Calls to XXXX  were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2019 i received a letter from FCO ( Fair Collections & Outsourcing ) stating that a client has forwarded an account for collection on the amount of {$5100.00} sent by a creditor XXXX XXXX XXXX. ( acc XXXX ) I have nothing to do with this debt. I called XXXX right away to warn them that my information has been used illegally. I also found out my information was hacked at XXXX. I requested a fraud alert to be instituted on my credit report at XXXX and the other 2 credit agencies. 
I called FCO using the number on the letter ( which doesnt match the one on their website ) and told them i had no idea what this was all about. I spoke to two gentlemen who said someone had used my name and credit as a cosigner or collateral or something in that manner by a person name XXXX XXXX ... .after i requested info on this i got a letter with a print out of charges from a rental property rented by " XXXX XXXX , XXXX '' with a phone number XXXX XXXX XXXX. ( as per fco papers ) Before this information got to me i contacted the local Sheriff Office and i file a report of identity theft, The officer told me to go to file a report with the Federal Trade Commission which i did. 
I also got a Free credit monitoring service by XXXX due to the data breach that included my information. 
Soon after i received a Identity Theft Affidavit questionnaire mailed by FCO this questionnaire asked for very personal information including name address, social security number, copy or my driver license etc etc .... i am sorry but with my information already being out there i will not send this personal information but i will send the sheriff and the Identitytheft.gov report as well as this one. 
FCO hase not even produce a single document showing where i had signed, requested or agreed to rent n apartment ... ... i have never been to the city where this apart was rented nor i dont know who the person who rented the place is. 
Now i am being threaten with this debt being put into my credit report. 
I will be reporting to the Sheriff office the full name of the person as before i only had a partial and incomplete name i was given by FCO
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 there was an available balance on my Bank of America EDD debit card that substantially exceeded the the purchase amount and was declined 3 times in a XXXX store for the amount of {$50.00}. 
This has happened a couple of other times when I tried using it at a XXXX XXXX. I have no faith that my money will be available when needed. 
After 3 different attempts to get BofA on the phone, once I waited over 2 hours after talking to an agent at BofA and I had to give up and try at another time, once I was disconnected by a BofA agent, it took about 40 minutes and being transferred to three different people, I was able to transfer the balance available as well as establish a reoccurring balance transfer. I was informed that it will take 2 business days, today being Thursday, I will have the money available in my account on Monday. 
The reason I am complaining is this is money that I have paid into the system my entire working career of 47 years. Im not asking for something that I am not entitled to. It shouldnt be this complicated to get my money. When people are ill, they need things to be easy not difficult.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OR)

On XX/XX/XXXX I applied for a loan to refinance my home. After reviewing a few companies I decided to go with Loan Depot as the rate and closing costs made the most sense for me. On XX/XX/XXXX after several communications Loan Depot said they loan type they had set up was not the appropriate loan, but the good news was that the right loan would have a better interest rate and have similar closing costs. On the XXXX of XXXX I received a loan estimate and the closing costs were significantly higher than what they said they would be. I emailed and called several times. They said they would look into it. One loan officer I originally spoke to confirmed the closing costs as the number I was told on the XXXX so I thought we okay. I then requested a new loan estimate because at this point we are going on 60 days and it should not be taking this long and I wanted to compare options again. The new loan estimate had an even higher number than the estimate from the XXXX of XXXX. I again called and spoke with the senior loan officer and he stated that this process is normal for them but the numbers they had from me on the XXXX of XXXX were not accurate as they were the numbers the got on the XXXX of XXXX. So the new numbers I was getting now are accurate. He said they should have had the accurate numbers by the XXXX of XXXX but didnt. At this point I either have the pay roughly {$5000.00} more to close the loan, if it even closes as it still has not, or I have to take a higher interest rate because rates have changed since I was looking a month ago. I have been forced to stay with a lender that I do not want to work with or lose money. They have not tried to rectify the situation and have stated this common practice for them to have two different numbers to work. This is either a lie and they made a mistake, or their practices are malicious and intentional. The record every call so they have on record all or conversation and confirmed that they stated these numbers.
Consumer complaint received 2019-09-05
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX