davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (FL)

On XX/XX/2020 I was contacted by XXXX XXXX XXXX about an ability to refinance my loan. He said that he could with a XXXX credit score and lower interest rate than 3.5, which is my current interestrate. He sent an application to my email the same day. On XX/XX/2020 I followed the steps that the application wanted me to. The application asked for all kind of documentation that I sent. Tax returns pay stubs for past year. A copy of my dd214 from military. On XX/XX/2020 I received a call, after I uploaded all the info that the application asked me to, from XXXX XXXX XXXX who told me he had been trying to call me. He said he couldn't get me and that my voicemail wasnt working. He told me that he needed to run my credit. He also said that I jumped the gun on uploading all these documents. I told him that I was just following the prompts of the application he emailed me. He ran my credit and immediately told me that he could not do what he said. I asked him to delete all of my records that I sent his company and he said he would. On XX/XX/2020 I called back because all of my financial documents are still in there system. When I called on XXXX XXXX I talked to XXXX XXXX XXXX and asked him about why my files have not been deleted, he said he forgot and that he would jump right on it. I waited 2 more days and then called again, because my files were still there, and I couldn't get XXXX XXXX XXXX Loan Consultant NMLS # XXXX XXXX On the phone. I talked to customers service to find out if there is another way to help me. Customer service told me the managers said that they could not do this. I have been getting calls from different strange numbers since I filed with this company and I feel like they should not be holding my personal financial information like they are doing.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (PA)

I XXXX XXXX ; received a notice in regards to a debt from Linebarger Goggan Blair & Sampson , LLP. Pursuant to Title 15 USC 1692b ( 2 ), Linebarger Goggan Blair & Sampson, LLP which is a debt collector. Shall not state that I XXXX XXXX who is the consumer owes any debt. Not only should they not state that I owe a debt ; they never validated that debt. Which is also another violation ; pursuant Title 15 USC 1692g. Also how did they get my place of abode? I never gave it to them nor did I confirm it. That is another violation pursuant Title 15 USC 1692b ( 1 ). I never gave them consent to communicate with me. That is another violation Title 15 USC 1692c ( a ). Communicated with me at an usual time and also at my place of abode with out my consent Title 15 USC 1692c ( a ) ( 1 ). Telling me I owe a debt, which is harmful to me at any give time to hear ; Title 15 USC 1692d ( 2 ).

Linebarger Goggan Blair & Sampson, LLP ; showcasing the words NOTICE OF DEBT on the envelope. Title 15 USC 1692f ( 8 ). The false representation of the character amount of any debt Title 15 USC 1692e ( 2 ) ( a ).
Consumer complaint received 2020-03-06
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: KLS Financial Services, Inc (TX)

Recently I was shocked to see this account reporting on my credit by KLS Financial Services. I disputed with XXXX, XXXX  and XXXX  in which they verified the account as accurate. 

I requested verification from KLS Financial and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, XXXX  and XXXX  and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX XXXX   : XX/XX/XXXX XXXX  : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2019, Wells Fargo Bank issued a letter to close our personal credit card. The letter cited as their reason " To manage risk .... '' and " The decision to close your account is final and can not be changed. Our risk evaluation processes are proprietary and can not be shared. '' with full knowledge our payment history with Wells Fargo was excellent, FICO credit score of +800, and low debt to income ratios. We are responsible customers. 

This account closed was part of a larger conspiracy by Wells Fargo Bank to terminate our entire personal and business relationship after more than 25 years. The closed accounts even included our innocent children 's accounts. 

It is our belief this action taken by Wells Fargo Bank was the result of our small business, a insurance brokerage licensed by various Departments of Insurance with clients in the licensed medical and recreational cannabis industry. Essentially, they have adjudicated and concluded we have violated certain laws beyond our control as if they are judge and jury. Ironically, Wells Fargo Bank has its own well publicized history of actual illegal activity. 

We have direct knowledge, Wells Fargo Bank has not taken the same action of closing accounts with other licensed insurance entities with whom we conduct business and happen to bank with Wells Fargo. This is unfair to us. We believe they have discriminated and targeted against us as opposed to much larger and substantial companies and their employees who are conducting the exact same business. Why choose us as opposed to others? 

According to their letter " Any unredeemed rewards points associated with this account have been forfeited. '' We have now been harmed and damaged since these rewards points we accumulated have now been essentially stolen by Wells Fargo Bank. 

Sadly to us, some of those rewards points were a special gift transferred to us from family member.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (FL)

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state XXXX  XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXXXXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX  Florida State XXXX  XXXX
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I and my spouse discovered the theft of over {$120000.00} dollars by XXXX XXXX XXXX XXXX XXXX XXXX as I attempted to enroll into their XXXX campus ( XX/XX/XXXX ). 
Somehow XXXX XXXX XXXX allowed XXXX XXXX to open a fraudulent account in XXXX XXXX as 1of my attachments indicate.

We contacted the school and corporate only to get the " runaround ''. These criminals pursued us into our professions having my spouse XXXX harassed and bullied as they took my XXXX license XXXX XXXX after a kidnapping by the XXXX police Dept. I filed complaints with numerous organizations that somehow chose the side of these criminals over me and my family whom are blatant victims. These criminals opened XXXX dollar accounts on myself and spouse into their XXXX XXXX campus. They are using my spouse maiden name XXXX XXXX XXXX to secure fraudulent accounts.They are presently cyber and physically stalking is. I haven't worked in the XXXX  industry since XXXX XXXX for XXXX XXXX where I was wrongfully terminated and {$1800.00} in commission monies seized. Have set up a fraudulent child support " case '' to block me from using my hard earned XXXX  license ( XXXX ) here in XXXX as they allow unlicensed criminals to literally burn the hair out of clients head due to illiteracy of the " stylist ''. XXXX # XXXX XXXX XXXX XXXX v XXXX XXXX XXXX was suppose to have been long settled by now!!! In seizing control over my and spouse social security numbers they have seized our very lives!!! A XXXX XXXX forwarded the arbitration demand monies I demanded to an old address in XXXX XXXX  knowing our exact whereabouts were in XXXX XXXX. These criminals won't let up!!! Attacked my spouse from behind XX/XX/XXXX shortly after her being delayed by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Mall. They tried to kill her!!! Her shoulder needs XXXX but they have rendered us homeless with their aggravated identity theft schemes!!! I last worked a couple months ago for the XXXX  XXXX XXXX of XXXX XXXX as a XXXX  for 4 months. On XXXX XXXX I and my wife went to the XXXX board there in XXXX to inquire about my hard earned XXXX  license. I saw it on the computer. Unfortunately XXXX XXXX XXXX has sold it to some unqualified person ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX? ).
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (FL)

THE BUREAUS {$710.00} On XX/XX/XXXX I sent a letter over the The Bureaus to get more information on this debt that I do not recognize. They responded with a letter dated XX/XX/XXXX with a summary of the details which does not make much sense. 

Date of last payment showing XX/XX/XXXX but the date of the first delinquency is XX/XX/XXXX which is 85 days after the date of last payment. Charge off date XX/XX/XXXX which would be 243 days from the date of last payment but 158 days from the date of first delinquency which I thought would be 180 days for charge offs. Also I sent them another letter on XX/XX/XXXX for more information because nothing made sense including the bills they sent to me. Bill due dated XX/XX/XXXX with a balance of {$530.00} XXXX XXXX ) then a bill with no due date just a balance of {$710.00}. ( XXXX ) Where are the bills from XXXX? 

On XX/XX/XXXX there was a settlement letter from yet another place called XXXX XXXX XXXX XXXX on behalf of The Bureaus but nothing about what I have been asking.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

Ally Financial is reporting an account as a DEROGATORY, I contacted Ally Financial on XX/XX/2020, as well as all credit companies to request information regarding this DEROGATORY account. To date, I have not received any information regarding this account and the DEROGATORY status.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (AL)

In XX/XX/XXXX I received a letter from Rent Recovery Solutions LLC in XXXX, Georgia that I owed a balance of {$4300.00} and that I had 30 days to dispute the validity of the debt or it would be assumed to be valid. I disputed this within 30 days. On XX/XX/XXXX I received a follow up letter that stated the company completed a reinvestigation and determined their information was correct. On XX/XX/XXXX, 6 days prior to the date of the letter from Rent Recovery Solutions LLC, I received an email from the original creditor showing the amount owed as {$3200.00}. On XX/XX/XXXX I sent Rent Recovery Solutions LLC a letter asking them to send me a copy of the last statement I received from the original creditor, their authority to collect in the state of Alabama, and an agreement that shows a business relationship between myself and Rent Recovery Solutions LLC. On XX/XX/XXXX I received an email that Rent Recovery Solutions LLC placed the account on my credit report. I sent a dispute letter to XXXX about the validity of the debt and within 30 days I received my credit report showing the debt was verified. On XX/XX/XXXX I sent a letter to Rent Recovery Solutions LLC,  yet again, stating the amount they were attempting to collect was incorrect and I felt they did not have a business relationship with the original creditor because each follow up letter they sent to me was a generic letter stating they verified the debt and the same statement from XX/XX/XXXX. I also explained in the letter dated XX/XX/XXXX that should the company not complete due diligence, I would have to file a complaint with the local state of Georgia and the CFPB. On XX/XX/XXXX I received the same generic letter from Rent Recovery Solutions LLC and on XX/XX/XXXX the company submitted an update to XXXX that the balance was still unpaid for a total amount of {$4300.00}.
Consumer complaint received 2020-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

Moneygram decided that I could no longer send money to my partner in XXXX and did not inform me of that for months. I was told that they would have an answer for me within 30 days as to why my transaction was cancelled on XX/XX/XXXX of {$500.00} and I called repeatedly back and no answer was given. On XX/XX/XXXX, after not having used the service for months, I tried sending money again and Moneygram this time took my money and said that it was ready to be picked up while my receiver went to two different offices in XXXX and was informed both places that the transaction was returned to me. However, the transaction has not been returned to me as of today, XX/XX/XXXX, and damages to our work and to his livelihood have resulted.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (OR)

I had a letter come in XXXX saying I owed a debt from XXXX. I spoke with them and they told me they would delete debt from their files. Then I received an email from my credit tracker saying I owe the debt to XXXX XXXX and that the account opened XX/XX/2020. This Is identity theft or a debt that is too old to be on my credit either way this needs to be taken off of my credit. Thank You
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

I opened an checking account under a promotion and fulfilled all the requirements. They denied the bonus on the basis that I received the bonus before. However, the terms state that bonus is not available for customers who have had an account 12 months before ; my previous relationship with TD Bank ended more than 12 months. TD Bank also claims that I'm combining multiple offers - NO, I'm not combining multiple offers. I opened a new relationship with TD Bank under ONE offer.

Details of the promotion : Direct Deposit {$2500.00} within 60 days of new account opening.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The XXXX XXXX over charged me. Bank of america only refunded me {$600.00} out of {$2100.00}, so I still need XXXX to be refunded to my account. 

XXXX {$600.00} XXXX XXXX and XXXX XXXX XXXX & XXXX & XXXX & XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (PA)

3 years ago I pulled my credit report and saw ( 3 ) Companies listed on my credit bureaus showing I opened a line of credit with their Company ( Ginnys, XXXX and Main and Midnight Velvet ). I immediately contacted them and disputed the accounts. I told them they were not my accounts and I did not open the accounts. I asked if they could send me a copy of the application showing I opened the accounts. They refused, they told me that they send out catalogs with an offer to extend credit and my name was given to them via the list of applicants who are considered credit worthy and credit score is within a certain range. I immediately disputed the items on my credit bureaus. Per the credit bureaus the line of credit was opened on XX/XX/2016. After researching this issue I found out that one of my family members who lived with me at that time used my identity to obtain credit with these companies. I could not understand how credit could be extended to someone who never had access to my social security number. Well come to find out it is easy for just about anyone to get credit in your name from these companies. In order for me not to file charges against my family member, my family member offered to make a settlement with the companies and requested the items be removed from my credit report. I sent the letter offering 30 % settlement for all 3 companies. They responded and offered a 80 % settlement and told me that they would not remove it from my credit report and they would only list it as a settlement for less than full balance. I need to know what action can I take against this company for allowing this to happen. I am the victim here and after sending several letters, disputing my credit report and hiring several legal companies to dispute the items as well they still refuse to make good on their ability to allow someone to commit identity theft against me. I am willing to get an attorney who can fight this for me. I had an attorney who was assisting me with some business matters but they suggested I file a complaint with the CFPB office. Get this on record. I need help here. I will not file charges against my family member. They did however offer to settle this matter with these companies in which they do not have a lot of money. This company should not have allowed anyone to be allowed credit in my name so easily. They know exactly what they are doing. And to them it does not matter, but it matters to me.
Consumer complaint received 2021-01-15
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: DISCOVER BANK (TX)

On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole Discover Card, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached Discover Letter dated XX/XX/XXXX is Discovers fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by Discover will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact Discover claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. Discover, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting Discover is not mine.