davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On XX/XX/2021 I received an unsolicited wire communication via text message on my cell phone from Wakefield & Associates ( " Wakefield '' ). They are a debt collection company. The communication included false representations and fraudulent pretenses. I am aware that I am the Original Creditor for the alleged debt they attempted to collect from XXXX which is funded by my open end credit plan. I NEVER gave my direct consent for Wakefield to communicate with me at all. Their company is guilty of committing wire fraud. 

On XX/XX/2021, I called Wakefield and spoke to a representative by the name of XXXX. I included a copy of the call recording via the email address that was provided to me on the call : XXXX. The employee stated that she could view my full social security number. This constitutes identity theft. Pursuant to 12 CFR 1022.3 ( h ), " Identity theft means a fraud committed or attempted using the identifying information of another person without authority ''. I never consented to my information to be shared. I also issued a cease and desist to XXXX prior prohibiting them from communicating with 3rd parties and debt collectors. 

I mailed a complaint and invoice to Wakefield that they received on XX/XX/2021 as evidenced by USPS Electronic return receipt. I still have not been compensated. 

I spoke to a few representatives of the company on XX/XX/2021 and they informed me that they were no longer able to access the alleged account. That did not fully resolve my issue. I demand compensation and I am willing to sign a non disclosure. 

I spoke to a representative named XXXX on XX/XX/2021 and was told to leave a voice mail and my call would be returned the same day. It is now XX/XX/2021 and I still have not received a call back. I did issue a cease and desist to the company but I included a stipulation where I do allow communication with me regarding remitting payment for violating my consumer rights and invading my individual privacy.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/21 I was approved in the Home Depot store in XXXX XXXX California for a consumer credit card. I used the temporary charge pass to purchase at product. The balance owed was XXXX I noticed that my mailing address information was wrong on the screen at the store where I made the purchase. 
I called the number XXXX to correct the address. A representative told me that she could not update my mailing address for 72 hours. I called back on XX/XX/21 when I called I got an automated system which allowed me to pay the balance of XXXX in full with my XXXX XXXX XXXX XXXX XXXX. Then I was able to speak to a representative named XXXX who told me that she could not update my mailing address until my account had been verified she informed me that I must wait for a phone call or something to come in the mail that would allow me to verify my account. When I told her that I had just payed off the balance of XXXX in full she told me that she was not able to discuss payments with me. 
I gave her my phone number and asked her to make a note to have a representative call me since the address they had for me is wrong and I can not get mail there. 
On XX/XX/21 I called back to see if my account had been verified yet because I noticed in my XXXX XXXX Debit Card statement that the XXXX pending purchase had been replaced with a XXXX payment. I spoke on the phone with XXXX again who was polite but did not resolve my issues. 1. Change address 2.Balance and Payment inquiry. I asked to speak to a supervisor. Then I spoke with XXXX who repeated the info about not being verified and hung up on me. I was polite and respectful but XXXX was very rude to hang up on me without resolving my issue. I called back and explained what was going on to XXXX. 
XXXX was extremely rude to me and began to lecture me about being difficult I decided at that point to file a formal complaint. Currently I have a XXXX debt with the Home Depot Consumer Credit Card And no way of ensuring that my bill will arrive at my correct mailing address. 
Whats more, the credit card itself will be mailed to the wrong address and then be available to someone who is not authorized to use it. 
Secondly I am unable to pay the entire balance and clear the debt. When I made a payment in full only XXXX was deducted from the debt. Therefore since the amount deducted from my payments is not up to me and is arbitrarily determined by the credit card company they could allow the debt to run past the 6 month no interest promotional period and start charging interest. I was treated very rudely on the phone by the customer service representatives and I have no way of clearing the debt. 
I would like to know why my full payment was not accepted. I would like to pay it off and then cancel the account I am completely dissatisfied with the lack of service provided by this company.
Consumer complaint received 2021-09-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CT)

My mortgage company is Guaranteed rate. I've been on a forbearance plan due to COVID 19 from Spring XXXX until XX/XX/XXXX, when I let the company know that I can resume my payments and started my monthly payments. I've asked for a deferral of the unpaid balance to the end of the mortgage the same time. And since then I can't get an answer when the deferral will be approved or what the status is. it's been in review and there is no other information I can get. Keep calling them every week, with the same results. Asked to escalate - and again, with no results. They are keep telling me that it's under review, and no additional information. 

I understand that there is a very high volume of such requests probably, however it's been 7 months already. Per the information from the loss mitigation department the regular timeline is 60-90 days and it's been 7 months. 

I'm not sure what else to do here. I've completed a renovation on my house, it's had doubled in value, which has been confirmed by a valuation specialist from guaranteed rate. However I'm unable to get rid of PMI or refinance my mortgage because it's still in forbearance.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MO)

I tried to do a mobile check deposit with a settlement check that was drawn under they're bank, Wells Fargo! The account was in good standing & the check had been verified! I still was unable to deposit this insurance check drawn under an account at Wells Fargo!
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (ID)

In XXXX of XXXX an account was opened with XXXX XXXX using my identity ( personal information ) in XXXX, Illinois. I have never lived in XXXX nor have I purchased products or services from XXXX XXXX The account became delinquent and the {$1300.00} balance was sent to the first collection agency in XXXX of XXXX. In XXXX of XXXX, my wife and I were trying to get a loan to build our house and that is when I was first made aware of the debt as it negatively affected my credit report. I disputed the claim with XXXX XXXX, the collection agency, and the credit bureau. I was told by XXXX XXXX the account was being processed as identity theft/fraud and would be closed. The debt collection was removed from my credit report a month or two later. Fast forward to XX/XX/XXXX and I get a letter in the mail from a second collection agency stating I owe them {$1300.00} as a result of debt with XXXX XXXX. The amount of the debt is lower by roughly {$13.00} but the account number is the same from the first collection agency. I called the collection agency and explained the history of the situation. They advised me to call XXXX XXXX I proceeded to call XXXX XXXX where I was on the phone for over an hour and transferred at least 4 different time to another department. The final person I spoke to stated " the account was too old to view and I need to be transferred to debt collection. '' They transferred me back to the collection agency I had already spoken to. I was definitely frustrated and had been given the runaround by XXXX XXXX. I then called XXXX and formally disputed the debt collection. I was told that some companies, like XXXX XXXX, are able to sell the debt to another collection agency when the amount is changed and the company then offers no help to resolve the situation. This is a terrible practice and has wasted valuable time. XXXX XXXX, or any other company, shouldn't be allowed to resell debt especially when it wasn't mine to begin with. XXXX XXXX 's customer service, specifically the identity theft/fraud department XXXX were of no help and definitely aren't taking identity theft seriously!
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (NJ)

I reviewed a copy of my credit report and notice this company reporting I owe monies to them. I reached out to them to send me the validation that this is indeed mine and I can move forward to taking care of this issue. I have yet to get any response with the information I requested.
Consumer complaint received 2024-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

XXXX XXXX 
Greetings to whom it may concern ; I write this giving Notice the company am reporting is making false claims as per18 USC 914, 31 U.S.C.A sec 3729 False claims : ( A ) any person who knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval 3rd, as per 18 USC 8- All debts are Obligation of the United States , and I have not engaged in rebellion or insurrection against same. I owe no debt to anyone, as per the Laws of Solon, HJR 192, the Holy Bible- Redemption, Treaty of Peace and Friendship. The application as per 12 U.S.C.A 412, 12 U.S.C.A 95, provides no debt on my part. 
The people for the company PRESSLER, FELT & WARHAW, LLP, ATTORNEY AT LAW, are escheating from my estate XXXX every two ( 2 ) weeks, totaling XXXX to date, to collect an unlawful debt, not owed in violation ( s ) of the Fair Debt Collections Practices Act, The Fair Credit Reporting Act, and state and federal Consumer Laws. 
They have no contract with me, nor I with them, or the unlicensed venue, administered unjustly got an unlawful judgement from- Trustee malfeasance. 
A call placed to the XXXX XXXX XXXX XXXX XXXX XXXX provided no Debt on record with the United States, and several states. 
As per the Constitution- I have unalienable rights- No lien can be placed against me. 
They have dishonored the application I applied for my own credit.

They are engaging in debt peonage and involuntary servitude.

Civil Rights Violations as per the XXXX  Civil Rights Act, incl. section 4, the Civil Rights Act, nickname the Indian Rights Act of XXXX, sections 245, 701, and 817 under the Fair Housing Act.

Case number : XXXX administered at XXXX XXXX XXXX XXXX XXXX XXXX 

I write this as the truth, the whole truth and nothing but the truth for the record. 

XXXX XXXX
Consumer complaint received 2024-04-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I have multiple AmericanExpress gift cards in varying amounts. Despite having sufficient funds, none of them seem to work as valid payment methods in any of the ways I have tried. 

I called AmEx and was told that I will have to use the gift cards in person, which is an inconvenience as most of my shopping, bill paying and other purchases are done online. 

I dont want to lose the value of these cards, but am so frustrated that theyre declined over and over again.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

XXXX of 2022 Deposited check. large sum XXXX plus. 
Wells fargo held the deposit for 18 days because of overdraft fees that my account had received. I never gave permission to enter their fraudulent overdraft program in the first place. I was charged excessive overdraft fees that totalled thousands of dollars. And then they double punished me by holding my $ XXXX deposit for 18 days. Clearly incurring interest on my money at my expense. went into branch and was dismissed by the manager on more than one occasion. Received no help. Filed complaints.
Consumer complaint received 2022-04-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TN)

I have been dealing with so much from The Money Source their customer service has been extremely difficult for me they have dropped the ball on my loan and compromised my loan Most every time I call they dont know what I am speaking of concerning my mortgage and that I need to fill out a loan modification and my loan is in foreclosure simply because they did not record any procedures that went on during Covid forbearance. Even before Covid they have been unreliable customer service not keeping track of any of the calls I made. Every time I called talking to a different person I dont even think the same people work there week to week. I regret the day my loan got sold to them from one of the best companies I ever had by default In XX/XX/XXXX I called to reinstate my forbearance and they said I did not call in XX/XX/XXXX to do that in the first place and that my loan was in foreclosure and then I had to fill out a loan modification I was not prepared to do that at all and then when that went through they said my dates that I sat down and sign with the notary did not match so then I had to fill out another packet and then within two weeks they had expected me to make a payment when all I wanted was longer forbearance I am still having a hard time finding a job and I have decided to open my own small studio in some suites to make more money and be in charge of my own money I do not want to lose my home I do not want to lose my car Im behind on my homeowners association payments and they have a lien on my property I have been through XXXX since Covid XX/XX/XXXX I lost my job of 13 years and I can not get a refinance because of my credit it has really been a disaster I just want to start my own business and make my own money. If I could access money I could do that. Every company I have worked for has stolen tremendous amounts of money from me therefore I do want to work for myself now. I have been let go because of lack of professionalism on the part of the business and I cant even collect unemployment. I have a equity in my home I do not want to lose my investment it is all I have. I have worked hard all my life to get where I have gotten and I dont want to lose everything and every day I am in a panic that I am going to get everything taken away from me. My mortgage company has not helped with that as now they are sending me default letters after only a month. I called and told them what was going on and they told me to fill out yet another loss mitigation packet I can not take it much longer. I do have an application in with XXXX I do not know know how long that will take. But I just need some time this has not gone away. Covid is still affecting my life very much it just snowballs. Just because it goes away in the world doesnt mean the bills got caught up they just snowballed. I am very behind on everything and I am about to lose my car as well I do not know what to do please help me.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

XX/XX/XXXX. My sister and I came to an agreement to co-sign for her. We already were approved by the bank beforehand and were told to simply go pick out a car.The first few days we were unsuccessful in locating a car. Whilst at work my sister and mother visited a car dealership and reported to the salesman XXXXnumerous occasions how it was completely unnecessary to run my credit. Primarily because we already got the green light from the bank. He fraudulently obtained my social security number stating he needed it for paperwork related to the vehicle my sister was inquiring about. Since we are twins our numbers are nearly identical up to the last digit. He then ran my credit with no consent or permission from me and moments afterward I receive a notification from Experian stating that the dealership obtained a copy of my credit score. Then once again on XX/XX/XXXX from XXXX stating the same thing. Both instances without my consent and or permission. This has truly put a dent on me being able to start the home buying process in the next year simply because both these hard inquiries will not be removed from my credit profile until XXXX. I contacted the dealership the day of said incident and was told on numerous occasions he would contact me at a later time to just outright be given the run around.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (NY)

The complaint is in regard to Chime. I tried to deposit my tax refund check via their app to my account. During this process Chime requires that you endorse the check with " For Deposit to Chime Only ''. I received an error message that the check could not be verified and was NOT deposited to my account. I contacted Chime to see if perhaps a different picture could be used. They said that they could no longer do anything about this transaction. Now I have a check that I can not cash because it is endorsed to Chime and I need to go back to the IRS for a new check. This could take quite some time to get a new check from the Federal Government. I spoke with three customer service representatives and two supervisors. All of whom were not helpful and all anyone could say was a canned response that if a check can not be verified by their system during the first app transaction then nothing can be done. I certainly find that hard to believe. There is always a solution to a problem.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan — 
Company: Experian Information Solutions Inc. (LA)

15 USC 1601 1681b2 6802 Consumer privacy laws state confidential information such as transactions, history utilization and statements are excluded from Consumer/Credit Reports . Please delete cease and desist XXXX. Delete XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  as well as Any Collections.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all 3 bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

As far as I know, the only credit bureau that has updated my name is XXXX and they made it easy! XXXX 's website doesn't work half the time so I don't know what name they have on my report. It appears from trying to access my information on XXXX, all they want is {$25.00} a month! 

My complaint right now is only with Equifax since they have caused me to be denied credit simply because of my name! They just appear to refuse to update my name to what's on my valid, current social security card and driver 's license. Help please!
Consumer complaint received 2021-09-29
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. (MD)

I WAS REVIEWING MY CREDIT REPORT AND I SAW, THAT THERE ARE ACCOUNTS WHICH IS NOT MINE. I COMPLITELY DISAGREE WITH INFORMATION WHICH YOU POSTED ON MY CREDIT REPORT. NOWDAYS ITS VERY HARD TO SURVIVE WITH XXXX, AND YOU MADE IT HARDER WHEN YOU POST THESE ACCOUNTS ON MY CREDIT, NOW I HAVE NO CHANCE TO OPEN CREDIT CARD, IT WOULD HELP ME EVEN TO BUY FOOD.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan — 
Company: EQUIFAX, INC. (LA)

15 USC 1601 1681b2 6802 Consumer privacy laws state confidential information such as transactions, history utilization and statements are excluded from Consumer/Credit Reports . Please delete cease and desist XXXX. Delete XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX as well as Any Collections.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX  ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at rate genius and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from rate genius has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX