davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NC)

I am a victim of a wrongful Foreclosure by Wells Fargo. In XXXX two loans were made in two mortgages ( deeds of trust ) : XXXX XXXX ( now is Wells Fargo for {$140000.00} at 5.25 % fixed interest rate ) AND XXXX XXXX XXXX  then sold to XXXX XXXX XXXXXXXX/NOW Who??? ( for {$44000.00} with fixed interest rate at14.25 % ) for a grand Total of {$180000.00} in mortgages that were approved for a home that was appraised at {$100000.00}. So the Loan was Under Water. My father was the Sole/Primary Borrower. At that time I was advised by the XXXX XXXX Loan Officer and by my father as his Power of Attorney ( POA ) to sign underneath my fathers signature so that He could be approved for the Loan. It was agreed that he ( my father ) was Solely Responsible for paying off the Loan and IF he died while the loan was in process the Mortgage Loan Insurance and/or his Federal Insurance Death Benefit was to pay off the Loans. If that failed OR there was NO Insurance the Loan Debt was to be Discharged. When my father died XXXX/Wells Fargo took it upon themselves and switched the names and put me as a Co-Primary Borrower on their letters and correspondence of and about this Loan so when he died they can THEN claim me responsible for paying the Loan Debt Instead of Discharging the Debt off ( Which they can Legally do! ) The switching of positions of the names on letters of correspondence and other letters dealing with the Loan Account and using that as their avenue to seize the Deed of Trust and therefore place the home under Foreclosure and Evicting me and my XXXX sister from the home on XX/XX/XXXX XXXXTheir action also has resulted in negatively effecting my Credit Score and Report by giving me a Very Low Rating. Two ( 2 ) Very Important Questions are answered right here : 1 ) Did the lender change/remove/replace the Substitute Trustee without your consent or permission? Answer : YES, the First Mortgagor XXXX ( Now Wells Fargo ) did. 
2 ) Has the lender provided an actual Accounting of the debt proving that the company will sustain an ACTUAL LOSS IF the Debt Loan goes UNPAID? 
Answer : NO, Wells Fargo REFUSED to provide a validation. They claim it is privileged information. 
Since I was just my fathers POA I had NO say in the matter either way so Since he approved I had to approve as well. The problem here is when he died Instead of Discharging the Debt Wells Fargo made me responsible for the Loan saying that I was Co-Borrower of the Loan which is NOT TRUE!!!
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NM)

We had a loan for a used XXXX XXXX XXXX with Wells Fargo Dealer Services. On XX/XX/XXXX WFDS wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with Wells Fargo regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at Wells Fargo Dealer Services, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and Wells Fargo, have proved futile. What Wells Fargo has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XX/XX/XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
Consumer complaint received 2019-05-21
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: CITIBANK, N.A. (AL)

I received a credit card from Home Depot and called Home Depot and informed them that I didnt not apply for a card from them. The representative said that they would closed the acct. When I received my free annual credit account, I noticed that an hard inquiry that I did not authorize on my credit account from XXXX  XXXX. I called XXXX XXXX and informed them of the unauthorized inquiry. They informed me that they did not approve the card. I will be completing a police report today. I called each of the credit bureaus and requested an alert and freeze be placed on my accounts. The hard copies were placed on XX/XX/2019 and I received the Home Depot card on XX/XX/2019.
Consumer complaint received 2019-05-21
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. (CA)

This company failed to provide me a copy of the credit application signed. A file showing the information is valid placing it on my credit. 

The company is called -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX
Consumer complaint received 2019-05-21
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. (GA)

Equifax is doing their normal delay tactic. You all know the current administration is stopping you from investigating XXXX Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request XXXX Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent Equifax, XXXX, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : Equifax : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE EQUIFAX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report Equifax. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter Equifax sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the Equifax report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report Equifax along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Adjustments Inc (OH)

Credit Adjustments Inc. calls me numerous times every day at all hours for several years, will not state who they are trying to reach or what their calls are in reference to. They call from " dummy '' phone numbers that do not identify who they are, calls have a local ( XXXX, OH ) prefix. Credit Adjustments Inc. is in XXXX OH. They called me today from XXXX, a XXXX XXXX Ohio prefix. 

I do not have any debts other that normal debts such as house payment, auto loan, and 2 student loans that are current on payments. 

Old debts from a XX/XX/XXXXChapter XXXX Bankruptcy were discharged in XX/XX/XXXX after completing the plan. I have no idea if they are trying to collect on an old discharged debt. They refuse to say. 

I do not know if they are trying to collect an old debt because they refuse to say. They refuse to send written information as required by law after 5 days. This has been an ongoing problem for several years with these harassers. 

There is nothing on my credit reports to indicate the possible nature of their continued harassment. The one time I answered the phone and tried to get the woman to tell me who she was calling for and why, she refused unless I gave her my name and SS number which I of course did not do.
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (TX)

I previously filed a complaint onXX/XX/XXXX with this agency and an OCR complaint due to the company violating HIPPA. This original complaint was filed because on XX/XX/XXXX XXXX XXXX XXXX XXXX sent documentation of financial agreement form from the original creditor, which states a financial agreement between me and the hospital and an itemized billing statement with procedure codes and diagnosis information. After thoroughly reading the financial agreement section, it does not say anything about the hospital sending billing information or PHI to a third-party collector. I have never signed a HIPPA release form that stated they could have my PHI in the form of procedures, procedure codes and ultimately diagnosis information to any person or third-party collection agency. I have also never submitted a HIPPA form to XXXX XXXX XXXX XXXX XXXX  . I asked for validation of the debt, which did not require them to violate HIPPA and does not act as a HIPPA release form.

The company responded that their attorney stated they could have access to procedures and personal health information in order to collect a medical debt under the HIPAA " Treatment, Payment, and Health Care Operations Disclosures ''. Although after looking at this provision myself it does not say that a hospital or doctor 's office may send PHI to a third-party collector only to another covered health care entity or with expressed written permission from the patient. The HHS.gov website states, a covered entity may provide information without patient consent under the following circumstance, " A health care provider may disclose protected health information about an individual as part of a claim for payment to a health plan. '' XXXX XXXX XXXX is not a covered entity or a health plan under the definition of HHS. gov. So they never had permission either from me or through the statue that they claimed in their first response.

After submitting my claim to this agency as well as HHS.gov 's OCR division, I also filed a complaint with the State of Texas, because it seems that Global Receivables is not bonded in the State of Texas as a debt collector according to the Secretary of State 's website.
Consumer complaint received 2021-04-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (SC)

In 2019 I got married and moved from XXXX SC to XXXX SC. I paid everything that I owed XXXX  and closed my account. After the move I was contacted by XXXX about equipment and I asked for a return label and was provided one. I took all of the equipment that belonged to XXXX  to the XXXX Store in XXXX SC and returned it as directed. AFTER all of the equipment was returned to XXXX  they then charged me for the equipment, " NOT BEFORE " or did they even mention a charge until after the return was made. I refused to pay for equipment that I had already returned and they turned me into a collection agency and it has negatively effected my credit report in which is otherwise perfect. I have tried to call XXXX  to discuss this issue and they will not take my call because " I do not have an active account " with them. I have contacted IC Systems Collections and explained and " it has been disputed " with them. I have also " disputed " this with XXXX  without any results. Please stop XXXX  from negatively effecting my credit report without due cause.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBM Services, Inc. (MI)

This complaint is against CBM Services re acct number XXXXxx. I send a letter requesting proof to this debt Early XX/XX/XXXX to confirm if its one mine and also valid and validated. CBM Services did not validate the debt they instead sent improper verification. It was requested that CBM Services send me : Construct with my signature from the provider of service of me releasing my information to them. Also for them to cease any reporting to the bureau until this is resolved. 

Instead they are reporting on my report with a date of service XX/XX/XXXX which is also incorrect. There is false reporting in an attempt to collect a debt that has not been reported and I will proceed with reporting to my attorney general and the XXXX. This account needs to be removed immediately for falsifying information and failing to validate an account with a signed contract. Remove this account immediately from my credit report. 

I have enclosed a screenshot of what they sent back which also shows a DOS difference adding to my falsifying documents mention.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (DC)

I received a check for {$7500.00} that I deposited to my checking account on XXXX ; the check cleared the payor 's bank on XXXX. However, Wells Fargo is saying they are holding my funds until XX/XX/XXXX due to prior overdrafts on my account. It appears that I am being penalized for my prior history -- which has been exacerbated by Covid -- and that my funds are being withheld which has triggered a {$35.00} overdraft fee. On XX/XX/XXXX, I talked to multiple staff at Wells Fargo beginning with XXXX, then to her supervisor XXXX, then to XXXX who is a WF consumer advocate ( although there was no advocacy on her part. All she did was reiterate what the prior staff had said and provide a case number ). 
XXXX provided me with a case number XXXX. I stated that I felt their funds holding policy is exploitative, illegal and unfair -- especially during Covid -- and that holding my funds is creating a financial hardship. XXXX said that WF policy is to delay release of funds when there is a history of overdrafts.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

We bought a ticket on XXXX on XXXX XXXX from XXXX  to XXXX on XXXX, XXXX, XXXX paid by Barclay credit card.The ticket was booked on XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. For some unknown reason XXXX/XXXX  divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ). We were told by XXXX on multiple occasions that we would get a full refund but we did not receive anything so far. Finally we filed a dispute request on XXXX, XXXX with Barclay CC by which we paid for the ticket. They issued a temporary refund but it was reversed later on. 
I filed a complaint to CFPB on XXXX, XXXX, XXXX # XXXX. We were contacted by Barclay but Barclay did not address the essence of our complaint, namely, that the merchant did not provide service or product we fully paid for and, therefore, did not resolve the issue. 
Meanwhile, we recently contacted XXXX once again and were told that the merchant, XXXX airlines, actually refunded the ticket directly to Barclay credit card on XXXX, XXXX, XXXX. They provided us with the authorization transaction codes : For {$550.00} - auth code XXXX and for $ XXXX auth code- XXXX. 
However, there is no deposit on my Barclay account as of XXXX, XXXX, XXXX and when I called Barclay they had no idea what is going on. Please help to resolve this issue, it is going for too long, since XXXX, XXXX. 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

My problem involves Coinbase ( who runs a crypto-currency exchange licensed under various state laws ). I am a New York resident. 

Since XX/XX/XXXX, I have lost access to my Coinbase ( https : //www.coinbase.comXXXX ) account and am unable to ( i ) withdraw my US dollar funds held by the company, and ( ii ) access the XXXX form prepared by Coinbase for my tax preparation. 

After numerous phone calls and providing the company with the various documentation that they requested, the call center representatives of the company refuse to take any meaningful action or give me an estimated timeframe regarding the resolution of the issue, beside saying that a specialist will handle my case, but they have large backlogs.

The problem was initially caused by the fact that my old mobile phone has been broken and I had lost access to my Multi Factor Authentication app. I was using 2 factor authentication via the XXXX XXXX app. 

The issue is simply a matter of identity verification. I have previously provided the requested ID documents, bank statements, utility bills, demonstrating my identity and address. Likewise, I continue to use the same mobile number and email.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (IN)

I began the application process to refinance my mortgage through my local credit union in early XX/XX/2020 and was denied due to there being a foreclosure being reported by Citimortgage on the very property that I still reside in. However that reporting is not listed nor mentioned in any of the 3 credit reports available to me. ( XXXX, XXXX  and XXXX  ) The credit union stated that they could not disclose where the report was received from. The loan officer suggested that I take the issue up with Citimortgage. I called XXXX  by phone and they could not locate a reporting of the foreclosure. 

In addition to all of this my ex wife was denied on a mortgage application of her own due to the foreclosure appearing on her credit report as well. Upon calling Citi and being directed to an automated message to mail or fax a dispute to them. I faxed the attached letter to them on XX/XX/2020 with no response whatsoever.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a letter from Chase advising they will close all my accounts and end their relationship with me. 

I have a checking, savings, credit card and safe deposit box with them. I have been with Chase for over 10 years and received no explanation why they are doing this. 

My fear is that my name is on some database incorrectly. 

I am not a XXXX XXXX or a XXXX XXXX on some government list nor have I ever committed fraud in my life. 

I am a law abiding citizen married to a XXXX and gainfully employed with good credit. 

I do not understand how they are allowed to do this to me.