davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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: BARCLAYS BANK DELAWARE (CA)

At the end of XX/XX/XXXX I was moving from a rental back to my primary residence. I believe during the move one of the movers took my credit card and used it. The dates in question are XXXX for a total of {$4200.00} This illegal activity was discovered on or around XX/XX/XXXX when we called customer service to deactivate the card since it has a XXXX $ fee to it and was meant to be used when we flew XXXX. All fradualant transactions occurred on the authorized card ending in XXXX with the main acct ending in XXXX. A thing to note - since the opening of this account, zero transactions had been made on acct ending in XXXX. 

I received a letter marked XXXX saying " We have completed the investigative process. Our research has indicated that the transaction ( s ) is valid ''. They stated the card had a chip so it was used it person, I asked them to provide evidence that I made these transactions. They could not. 

I have not made any of these transactions. 

I called on XX/XX/XXXX to inform them this is not a dispute as mentioned in their response letter but theft/fraud. Barclays customer service informed me they will look into it, I called back on XX/XX/XXXX and was told since the card has a chip in it that it was a valid transaction and that I had to pay this amount. They also state the burden of proof is on me to prove I did not purchase these items. 

On XX/XX/XXXX I went and filed a police report. 


After disputing it further I was told someone will call me in 10 business days, but I have lost confidence in their customer service.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX 's apartment management company allows XXXX XXXX XXXX to put false, retaliatory marks on credit report showing late payment in XXXX of XXXX, when in fact rent was NOT late. 

XXXX XXXX is aware they and or the owners bribed XXXX XXXX XXXX XXXX Enforcement in XXXX to evade being cited, fined, or any records kept showing repairs neglected by XXXX XXXX for tenants ... violating tenant laws, safety and health regulations, and breaching lease contract. 

XXXX XXXX has been out here regarding defective plumbing no hot water in bath/tub for nearly 3 years, faulty window frames leaking water, broken handle and locks to front door I ended up replacing myself due to XXXX XXXX not enforcing tenant rights. 

Breakins to my apartment, vandalizing my property, tampering/vandalizing my extention cords to cause a fire which I caught and put out, have taken place over the years.
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

This morning, XX/XX/XXXX, I received an alert at XXXX telling me that my account was overdrawn by XXXX and that an overdraft charge " transfer '' fee of XXXX was applied to my account. I contacted the bank at approx XXXX EST and was advised, in short, that my account was overdrawn because of a transaction that posted as pending from my account on XX/XX/XXXX ( amount of the transaction was debited from the available balance ) but was subsequently removed from pending on one date and posted to pending another date. I advised the representative : 1. I advised Wells Fargo 1+ years ago that I did not want to be enrolled in overdraft protection, 2. The amount that was available to me did not go below XXXX. I actually had a receipt showing my balance from a XXXX XXXX ATM on XX/XX/XXXX, and 3. That only 2 weeks prior ( XX/XX/XXXX ), I had a similar situation occur where Wells Fargo did not apply the overdraft to my account. Instead, an option to deposit the residual funds was provided to me. The representative advised me that Wells Fargo did not offer such options and that maybe their systems had been hacked. She then advised me that the bank would not allow me to remove the overdraft option from my account at all!!! I proceeded to advise her that I had email and pictures to support my claims and that the bank could not MAKE me participate in an " optional '' service that I did not want to participate in. I advised her that my account, in truth, was only overdrawn because Wells Fargo charged me an " overdraft transfer '' fee of XXXX. I told her by simple mathematics, the transaction ( which was {$36.00} ) could not have resulted in a negative balance of {$7.00} if the bank applied {$10.00} and a {$12.00} fee. My account had XXXX in it prior to their intrusion. I feel extremely violated. In fact, they did not send me an alert until XX/XX/XXXX at XXXX. It feels like this was intentionally done so that I could not make a timely deposit. I complained that this is the reason that Wells Fargo is now involved in a class action suit and is being restricted by the government to operate profitably. She then advised me that she would have to connect me with corporate because I made comments regarding their pending law suit and regulatory restrictions. She transferred me to a number that just rang. I disconnected after 3 minutes. They still have not removed the fees or charges. They should not be allowed to continue operating under such deceptive practices. I am going to contact my senators and House reps with this complaint as well. ( see attachments of all my supporting documents )
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/19 I filed a complaint that accounts I disputes on XX/XX/2019 claiming the accounts were not mine and that the legal timeframe of 30 days has passed but Equifax has NOT removed those accounts as the FCRA law clearly requires. see complaint # XXXX In Equifax 's response they admit the creditors did not respond until XX/XX/2019 Yet have refused to follow the law and remove those accounts.

Equifax is recklessly and deliberately ignoring their legal requirements.
Consumer complaint received 2018-06-15
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. (GA)

I am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NY)

I received many calls from CBE Group on multiple phone numbers multiple times per day. One was also my XXXX number. I was unaware of any unpaid debts so I was concerned it was a scam. 
CBE refused to give me info regarding who they are or more information without me telling them my personal details. I understand they need to verify who they are speaking with but there's so many scams and they wouldn't give me any information at all. I was uncomfortable and spoke to an attorney. I was advised to tell them to mail me info instead of the continued multiple calls daily while I was working. 

I have not since heard from them. I never received anything in the mail notifying me of any debt for me to verify. Now, I have the amount added to my credit reports but have never received a bill from XXXX  or CBE Group mailed to verify what I owe money for. I do not believe the debt is accurate. Now that it's on my credit it says it is for XXXX ( I assume it's XXXX I never had a XXXX   account ). I otherwise would not have known what I owe and to whom since CBE would not tell me. I went online a long time ago and paid my balance ( after cancellation ) down to XXXX. 

I have it on my credit reports, however, I was not asked by XXXX to pay anything more. ( XXXX also calls excessively multiple times daily if bills are owed so not sure how I still owe them anything ) This all happened during COVID shutdowns and I was not employed. I had no income, stimulus or otherwise, for over 9 weeks. I would have had an opportunity to speak to the companies regarding this or to request postponement if I was made aware of a bill or what the debt was for. I spoke to XXXX previously explaining I was temporarily unemployed due to COVID. I was not able to pay and they were informed of that. I cancelled service due to that after they raised my rates IN XXXX. I have since gone to my XXXX  account and the amount it showed that was due I DID pay IN FULL once I had money again. I have not received anything since then saying I owed more money than what I paid on my account. 

This is an abuse of the credit reporting system. I simply asked to have a letter or something so I knew what the debt was for. Also, I believe it's an unethical tactic to get paid without actually providing me sufficient documentation of what is owed. The XXXX acct is XXXX It now shows closed but XXXX balance.
Consumer complaint received 2020-08-20
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: Real Time Group, Inc. (WI)

I have a loan with REAL TIME RS ( Original Creditor : XXXX XXXX  XXXX XXXX  ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, REAL TIME RS ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-28
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. (TX)

SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT REPORT.
Consumer complaint received 2018-02-19
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)

My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nagle & Zaller, PC (MD)

HOA Association XXXX XXXX sent my account to the Collection Agency Nagel and Zaller for XXXX. My Account was paid to the HOA agency before receiving the initial collection notice. Check payments noted on statement balance sheet. Notified HOA and Collection agency and account remained in collections. I have attempted to pay my account and settlement amount was denied. Attempted to make a payment arrangements and the payment arrangement submitted to me by the collection agency was incorrect. My account has excessive charges and fees that are not valid. My account has legal court charges for a case that did not go to court. Charges for preparation of an incorrect payment arrangement. Requested payment arrangement on the amount owed and I was sent an arrangement for double the amount that was owed.Email traffic with XXXX XXXX and account still remains with excessive charges and incorrect information. 
Account was paid in full for the collection amount of XXXX before I received the collection notice. Nagle and Zaller was recently sued for unfair collections practices, for practicing without a license. They are attempting to foreclose on Veterans home and rack up excessive collection charges.
Consumer complaint received 2020-08-19
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. (TX)

I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo offered a COVID-19 payment relief program to borrowers. However, it was deceptive in marketing and execution. I was under the impression that I could suspend my payments 3 months penalty free ( but accept the continuation of interests to accrue ), however once I learned that this program was a forbearance and came with additional costs such as limitations on the ability to refinance and apply for PMI to be canceled it was too late. 

As a result, I feel as though I have been financially injured and my future for getting a refinance and PMI removed early limited due to poor and deceptive advertising on the risks and costs of taking advantage of this special program. The records will show that I quickly caught my account up for 2 months and in fact, pre-paid 2 months ahead in advance on this mortgage. I demand Wells Fargo to make me whole as I am now subjected to have to wait an additional 12 months to take advantage of refinancing my home and/or apply for the remove of PMI to further demonstrate I can make my payments timely. Due to Wells Fargo poor marketing I can't lower my interest rate and take advantage of this unprecedented low rate environment.
Consumer complaint received 2020-08-19
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. (MS)

This account is showing charge off. I havent been billed since XX/XX/XXXX, but its still reporting missed payments every month. Also, I have not received notice of collections or a new lender that bought the devious debt. I went overseas in XXXX and called the Lender to express that I was deploying in the armed forces and they told me that I would not have to make a payment until I came home. Call was recorded and monitored, but now theyre saying they dont allow such a thing.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-18
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)

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the ACCOUNTS are not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take settlements. I don't know what else to do so i am finally coming to you guys for some guidance please.
Consumer complaint received 2022-11-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (PA)

I have explained to them many times I cant afford the monthly payments because of change in income and they have not been helpful, they have also threatened to repo my car as well while I have been making payments the entire time. 

I am also being told to pay a certain amount verbally but their website is reporting a different amount. 

This company has not only made my life difficult financially but they also repeatedly called me during my work hours after telling them numerous times it is an inconvenient time to call me. 

I have all the call records save to prove this.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NV)

I received an atm card and pin setup info for an account opened in my name. I NEVER opened this account! Clearly someone has used my identity to open this account. When I called PNC I was told they couldnt help me unless I gave them my SS #. I was not going to give that out to a bank who clearly had not done their due diligence in the first place! Eventually, they said they would help me and would submit it to fraud to get it shut down. When I asked that they send a written statement informing me it was indeed shut down they said they dont do that. They told me if I am still concerned I should just call and verify!
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (IN)

As a natural person and a consumer, I have a right to privacy. I have not given Equifax written permission to report the disputed and identified accounts on my consumer reports. I have been communicating with Equifax by writing repeatedly on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and again by Fax since Equifax refused the certified mailed letter I sent in XX/XX/XXXX. I have been calling and speaking to a wide range of customer service agents, and supervisors day after day, week after week, informing each one that my privacy rights as a consumer have been repeatedly violated and that I have identified accounts that are reporting on my consumer reports as a result of identity theft. I am being repeatedly ignored because those accounts I have repeatedly identified are still on my report. I want them blocked and removed immediately, pursuant to my privacy rights enumerated in FCRA 15 USC 1681. 

Please see attached