davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (CA)

Collection Agency EXETER Amount XXXX Date XXXX Reference NOTICE OF DISPUTE To : ( EXETER ), I, ( XXXX XXXX ), a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, ( XXXX, XXXX XXXX )
Consumer complaint received 2020-06-09
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2020 I noticed 2 charges on my credit card that I did not purchase. Both charges state it was coming from XXXX. One charge is for {$460.00} on XX/XX/2020 and the other charge is for {$750.00} on XX/XX/2020. I initially thought XXXX made a mistake so I called XXXX first and the rep told me that they do not even see charges for these 2 amounts in my XXXX account. I also checked my XXXX account online and no charges of {$460.00} and {$750.00} were ever made. I called my credit card XXXX on that same day XX/XX/2020 and spoke with a rep named XXXX ( or XXXX ) and he was somewhat helpful. XXXX reported the two charges to their fraud department and he refunded me interest for the month of XX/XX/XXXX since  I should not be charged interest for purchases I did not make. Then, on XX/XX/2020 I received a letter in the mail from Barclays fraud department stating there was " not enough information provided to create a case ''. So my issue is not resolved and they just decided to close the case. Barclays never even asked me for my XXXX account statements. The Barclays rep XXXX did not even mention to me to send my XXXX account statements. I kept asking the rep XXXX, how the fraud department will handle my case and he said " just wait until we contact you for the next steps ''. But, they just closed the case without asking me for the next steps. I could have provided them with my XXXX account statement clearly showing there were no purchases with the amounts of {$460.00} on XX/XX/2020 and {$750.00} on XX/XX/2020. I called Barclay on XX/XX/2020 to try to resolve this issue but the rep this time told me she can follow up with the fraud department and I will hear back from them. The rep sounded very uninterested in helping me, so I wasn't sure if she was going to be diligent about my follow up. So, I called Barclay again today XX/XX/2020 and this time I was on hold for 3.5 hours and could not get through to anybody. It is extremely hard to get through to Barclay it  takes me 45 mins to 2 hours to get a hold of someone, but today I was on hold for 3.5 hours and could not get a hold of anybody. This is a horrible way to conduct business. They have no email. I have tried their live chat but the live chat says I have to call customer service to report fraud. How can I get my issue resolved when Barclay has horrible customer service! I have a feeling they are avoiding me. Also there is a huge language barrier because the customer service reps aren't very clear when they speak English which makes it very difficult.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a small business with Bank of America ( BOA ) account for over 5 years, also had a business credit card with BOA during that time. Realizing that on that credit card I was not receiving any type of cash back or other rewards, in XX/XX/2019 I went to the BOA at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The BOA associate there advised me that in order to receive rewards, I would have to sign up for a new credit card, which I did. 

Since then, due to various issues with the way BOA set up the new credit card account, I have come to realize, and been told by at least 2 BOA associates, that it was never necessary to have opened a second credit card account, that it should have been possible to change the prior card account or otherwise add rewards to that account without opening a new account. 

To me, this has the appearance that BOA is engaging in exactly the conduct that XXXX XXXX has been in the news for - requiring customers to open new accounts when that is not necessary. I will be cancelling my credit cards with BOA, and possibly taking my small business banking elsewhere, so I don't need any action or resolution on my behalf.
Consumer complaint received 2019-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

To Whom It May Concern, This letter is a formal complaint that XXXX  is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (AZ)

My original mortgage lender ( XXXX XXXX XXXX ) that I was using sold my mortgage to another institution who currently is Union Bank XXXX XXXX XXXX XXXX, WA XXXX. I was having both taxes and insurance being placed in escrow so the mortgage company can pay these on my behalf. I found out through my insurance agent at XXXX XXXX that my homeowners policy was lapsed and I did not have coverage from XX/XX/XXXX to XX/XX/XXXX due to non-payment. I then called the service center of Union Bank in XX/XX/XXXXto explain that this was to be paid by Union Bank and that they were the new service owner of my mortgage and had an obligation to make this payment. They told me that they were going to look into this issue and that they were to pay XXXX XXXX. I was later told by my XXXX agent that due to the length of time of the lapse that they had to write a new policy for my home. I explained to Union Bank after calling them a second time that it was their fault that my insurance lapse as they were trying to have me pay lender placed hazard insurance. I spoke to a supervisor named XXXX ( Direct phone number XXXX ) in XX/XX/XXXX and she stated that she would be sending this issue to support research and I would get a call from Union Bank in a week. This never happened and I received a bill in the mail from them dated XX/XX/XXXX. I have attached this recent Bill.
Consumer complaint received 2020-06-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (TN)

I bought a house in XXXX Tn XXXX XXXX XXXX. XX/XX/XXXX. After moving in, everything went bad. Furnace went out after four months, split AC unit went out after 10 months, water damaged spots started appearing on every ceiling. The roof is leaking. There was an undisclosed fire in XX/XX/XXXX, an undisclosed flood in XX/XX/XXXX, and an undisclosed foreclosure from XX/XX/XXXX to XX/XX/XXXX, our home insurance company refuses to pay for a house with pre existing conditions. The house is covered in black mold, walls are crumbling, floors buckling, roof leaking, siding that is rotting from the outside in. The appraiser never checked a minimum requirement and Fairway Independent Mortgage Company accepted a termite inspection that was done by an unlicensed inspector, the sellers agent was not licensed, our realtor intentionally frauded myself and my wife. After looking through my closing papers, and receiving the closing papers from the Fairway ( I had to ask them several times ), i realized important documents were hidden from me and some omitted from Fairways closing papers. My emails and my wife 's emails were hacked. My wife grew up with my realtor to top it off. This is horrifying. I am now unable to financially fix this house, myself and my wife have experienced XXXX and illness for 2 years and are pursuing this with help from a VOCA attorney. I am XXXX   and a veteran ... i can't get over this loss financially and have no other choice but move out for the safety of my family. I hope nobody ever has to go through this nightmare.
Consumer complaint received 2020-06-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

On XX/XX/XXXX my husband and XXXX Veterans started the process of refinancing with our current mortgage company Planet Home Lending. We have already completed the entire process of credit check, loan approval, house appraisal, termite inspection etc. During this entire process the Loan Processor seem unprofessional and would never answer her emails or voice mail in a timely manner. Although we were in the midst of COVID 19 we submitted all information and was given several closing dates original dates was XX/XX/12020, then XX/XX/2020 then again XX/XX/2020. At the last minute the Loan Processor needed to verify additional information for the underwriter which she had done weeks ago? 

She requested pay stubs, job verification etc which we submitted promtly, I made several complaints about the processor and spoke to her supervisor and I was assured that these issues will be resolved and closing will happen on XX/XX/2020. Unfortunately due to COVID 19 my husband was laid off his job on XX/XX/2020, I then left a voice message and send an email for the loan processor and her supervisor to see what steps we can now take to continue the closing of this loan, to date no one has return our phone call. 

We have also seek the assistant of a family friend who is also a Loan Officer and he contacted Planet Home lending about a week ago and he was told that the loan is in completion in the final stages and now they will not respond to him or us. We are frustrated and angry this company lack of professionalism has us at wit 's end and we can not get any answers. 

Please assist as quickly as you can we have no idea what to do and/or if our closing will truly happen.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX XX/XX/year>, I was informed via a credit monitering software that CareCredit had XXXX my account. They did not inform me of this action taking place nor did they every reach out to me to discuss such information. I am interested in CareCredit reviewing my equitable rights regarding my account in which I am the beneficiary as well as them reopening my account. 

This has caused a major hardship for me as I have XXXX appointments scheduled for next week where I was planning on using my card there. I now have no way of successfully attending my very important doctors appointments thanks to CareCredit abruptly shutting down my account without informing me that they would be doing such a thing.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NM)

On XXXX my Wells Fargo Debit Card was declined at the Grocery Store. I called the number on the back of the Wells Fargo Bank card. I was told BOTH accounts that i am Trustee for, have been closed " due to fraud ''. " Due to fraud '' was the reason i was given and was told they can not give me any more information without talking to the Bank. I called the Bank that same day and as usual, nobody picks up the phone. I go home and check my email. There is an email dated XXXX From XXXX XXXX, a Financial Crimes Associate of the External Fraud Investigations for Wells Fargo Bank, from XXXX, TX. On XXXX i sent a reply email to XXXX XXXX and to date, XXXX XXXX has failed to Reply to my email. On XXXX i checked my phone messages and found a message from the Wells Fargo bank dated XXXX, the message said " There is an issue with XXXX of your accounts and we need You to contact us at the Bank ''. Nothing else was said, no explanation of any kind. On XXXX i called the Bank at XXXX and XXXX at about XXXX ... .No answer after ringing about XXXX times. I called again on the same day, this time at XXXX ... to which the phone rang again about 50 times with NOBODY answering. I called again at XXXX and continued to call OVER AND OVER letting the phone ring til their phone system would hang up on me. On XXXX, I called Wells Fargo again at the XXXX and XXXX branch ... ... NOBODY WILL PICK UP THE PHONE ... .1st call was around XXXX, it Rings and Rings and they never pick up ... .Same thing at XXXX, XXXX, XXXX, XXXX and XXXX. Since this is Typical behavior of Wells Fargo and ALL it's XXXX locations. Approximately 1 week later, in XXXX, i get 2 letters in the mail from Wells Fargo Bank dated XXXX. XXXX letter is a Check for the remaining XXXX Funds from 1 of the accounts that was closed. The other letter is a Statement for the 1 closed account. There is no explanation about the Other Trust checking account, there is no explanation as to why either accounts were closed, why the fraud department was involved ... .NOTHING. No Explanation. Wells Fargo closed both accounts claiming Fraud over the phone, then they issue me a Refund Check and provide NO EXPLANATION about the alleged fraud and why the 2 accounts were closed.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

I am behind on my mortgage payments. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 and was preliminarily approved for funds XX/XX/2022, meaning that I met the applicant eligibility criteria including ( XXXX ) that the property is my primary residence, ( XXXX ) that I own the property, ( XXXX ) I experienced XXXX XXXX XXXX and ( XXXX ) that my income is below XXXX  % XXXX. I am eligible for up to {$30000.00} in XXXX XXXX funds, which is more than required to fully reinstate my mortgage. 

After a XXXX applicant is deemed eligible, XXXX communicates with mortgage servicers about the account to verify the amount owed via the XXXX XXXX XXXX. XXXX funds cannnot be approved for disbursement until they receive a verification record from the mortgage servicer. In my cases, XXXX has sent the Information records requesting this verification of my account to Citizens XXXX Bank the following dates : - XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citizens Bank has responded to only XXXX of these requests for information : a failed V-record dated XX/XX/2022. Citizens has been completely uresponsive to the program 's attempts to verify the amount I owe for more than 6 months. 

My file was referred to foreclosure several months ago. The only barrier to reinstating my loan is Citizens XXXX Bank failure to timely respond to I-records.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from COMENITYCAPITAL/XXXX XXXX located at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX showed on my XXXX   credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
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: WELLS FARGO & COMPANY (CA)

There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this XXXX 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.
Consumer complaint received 2023-05-08
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. (OK)

I would like to state that company is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company then written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental anguish, XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX. This is a fraudulent account that I have no knowledge of.
Consumer complaint received 2024-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (UT)

I set up my payments to pay twice monthly. I had to pay 1 month in advance to even set up the payment plan this way. I had been on this payment plan for around 1 year. Then in XX/XX/2023, they charged me a late fee and saying I didn't pay the full amount on time. I called the company and the person I talked so waived the late fee because she was able to look at the payment history. I just noticed they are charging me late fees again because they are not applying the partial payments correctly.