davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

All I know is I got an address out of XXXX XXXX on my credit report and I've never lived in XXXX XXXX a day of my life I got tons of inquiries I've went to experience about this and they refused I guess to really look into it XXXX or XXXX XXXX so I've never lived in XXXX XXXX  today in my life but I have a XXXX XXXX address in my my credit profile of my experient account and my XXXX and transient so I'm not sure who's a plan for crediting my name or go with his doing all the submitting for trying to get approved for cards or something but XXXX XXXX addresses and not correct I don't live in XXXX XXXX never have my whole life but it's in my credit report and they won't fix it I reported to him so I don't know what else to do about it but I'm pretty sure that that's why I'm being hacked and people signed up for stuff in my name and all kinds of crazy stuff being hack a lift it right I'm not sure what to do and it's that easy thing to get my credit report. Address they got all my information I've been involved in like four data breaches so I don't know who's the blame but experience should have fixed this already whoever that address is down because I've never lived in XXXX XXXX  day of my life
Consumer complaint received 2017-12-04
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: WELLS FARGO & COMPANY (WI)

A cash advance for {$6900.00} was removed from my credit card and transferred to a checking account I have no association with without my consent. I discovered this transaction on XX/XX/XXXX, within 24 hours of the transaction. I immediately called Wells Fargo to report fraudulent activity on my credit card. After speaking with various employees, I was told that an authorized user on the account made the transaction and that they were unable to stop the pending transaction. 

I am the primary account holder on this credit card. I separated all of my finances from my ex husband three years ago when we divorced. I was assured multiple times by Wells Fargo at that time that my ex husband had been removed from all of my accounts and had absolutely no access to me or my money. 

When we divorced, our debt was equally divided on mutual understanding that we would each pay our respective debts. My ex husband has failed to pay all debts since that time which has left me no option other than to pay them as my name is associated with these debts and my credit is negatively affected by non payment. I have paid over {$15000.00} of debt that my ex husband was court ordered to pay since our divorce. Additionally, I single handedly paid off this credit card ( {$8500.00} ) in the past few months. Within a month of this being paid off, my ex husband took a cash advance from this line of credit, maxing it out. 

After multiple phone calls to Wells Fargo I was able to speak with several managers who reassured me I was entitled to this money and it would be returned to me. I spoke with a supervisor who ensured me that the funds had been recovered and returned to my account, including the {$400.00} fee for the transaction, and the interest ( 25 % ) on the cash advance. The account was closed, I had a remaining balance of {$1000.00} ( the balance on the card prior to the cash advance from purchases I made that month ) with the next payment due in XX/XX/XXXX 

About 5 days after I received this information I received a call from the executive office of the credit card division stating Wells Fargo has reversed the refund, charged me the fee for the cash advance, and back dated the interest charges to XX/XX/XXXX when the transaction originated. Wells Fargo claims they have no proof that I was told years ago that my ex husband was removed from my account and that it is impossible to remove an authorized user from a credit card ; that the account would have needed to be closed at that time. This information was never communicated to me at that time and I was assured by Wells Fargo bankers that my money and accounts were safe and free from access from my ex husband.
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Normal Macy 's store bills for XXXX XXXX Account : XXXX ( Department Stores National Bank )? 

XXXX XXXX  bill for {$70.00} -This was paid for and cashed by Macy 's XXXX XXXX XXXX XXXXWas paid on time by XXXX XXXX XXXXXXXX Confirmation XXXX XXXX XXXX XXXX  bill for {$40.00} -This was paid for and cashed by Macy 's XX/XX/ -Was paid on time by XXXX XXXX XXXXXXXX Confirmation : XXXX Despite being contacted and sent indisputable evidence of " on time '' payments from XXXX  XXXX  XXXX to Macy 's, they repeatedly maintained XXXX that the bills were not paid. They eventually send their stupid claim to XXXX XXXX XXXX XXXX for debt collection : ( Radius Reference Number : XXXX ) who appear to have treated this as a real debt.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I issued a bill pay check to my landlord for XX/XX/2022 rent ( {$2400.00} ). I have been in contact with the bank since XXXX of XXXX  to get my money back when my landlord said he never received my rent check but the bank told me the money was mobile deposited by someone. I was constantly provided with wrong and contradicting information from many different members of the bank and they are refusing to abide by what they told me needed to be done to get my money investigated. The landlord and I have both signed affidavits. The last time they sent the affidavit to me the only stipulation on the affidavit was that the notarized signature had to be mailed back within 30 days of signature which it was. They are now saying that it needs to be mailed back within 30 days of receiving the affidavit. There is no date from the bank on the affidavit and they keep mailing the same piece of paper. The notarized document is legally binding and they will not accept it. They keep changing the rules to get my money investigated when I follow the steps they ask me to take to have the incident investigated.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC. (OK)

My account was scammed and Arvest know about it. I was questioned about the XXXX deposit, and I told them it was not me. I was asked the same question XXXX different ways, each time it was NO. They told me that the moblie deposits were from a XXXX, my phone is an andriod but my wife has a XXXX " so, it must have been your wife. '' Do your wife has your Arvest acount information? No, her Indigenous culture does not allow women to use huband personal items.They close that account and was going to open a new on. Later I was told that because of the fraudulent activity on my account, ( blaming me ), that I would not be able to open any accounts at any Arvest Banks ever, and I was not to enter any Arvest Branch ever again. After some days gone by, I felt that I was back in the 1960 where businesses post signs " XXXXXXXX XXXX. '' I have been with Arvest for over 20 years.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (FL)

While paying my XXXX mortgage payment online on XXXX/XXXX/XXXX, I noticed that it showed that I had 2 Fees that were added to my loan account for {$640.00} and {$85.00}, both labeled as Recording Fees. My loan modification was completed nearly 6 months ago and I have not been notified that any additional fees would be assessed. I called 4 times, was transferred to the Loan Modification department since the customer service representative explained that this is where the fee originated. Three times, I could hear someone pick up the line ( with voices in the background ) and hang up. I called back the 4th time and was asked if I filed for a Forbearance on my mortgage, which I replied No and was told that all of the lines were busy and I was assured that someone would call me back very soon. I had no confidence in this, since no one EVER calls me back from XXXX. Of course, I received no call back. I also checked my credit report and my loan account is in the status of " Affected by a natural disaster '' even though I have not claimed this with the mortgage company. I called again on the morning of XXXX/XXXX/XXXX and was again promised a callback from the loan modification department, which still has not happened. I called in the afternoon on XXXX/XXXX/XXXX and customer service connected me to the Loan Modification department and I was again, for the 6th time, hung up on. This service is appalling and beyond unacceptable.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX  ) Account XXXX XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that XXXX, transunion And XXXX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute. 

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.
Consumer complaint received 2019-03-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NM)

We started working with New American Funding in XX/XX/2018 to obtain a VA loan for the house we are currently living in. After 5 months they told us we had late payments from 3 years ago during a bankruptcy and for that reason they were denying us the loan. My understanding is the VA requirement is no late payments in the past 12 months which we meet the standard. Only after we met every other qualifying point did they fault us for the late payments during our bankruptcy from 3 years ago. 5 months of hearing we are almost qualified only one more thing and you'll be qualified. Your rep is out sick. Here is a new rep. After 5 months we were denied. This is not fair lending practive.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AL)

When I completed my application in the terms it stated that I would receive notification from MOHELA to verfiy what loans I wanted to consolidate. I also received the notification when I submitted my application on the studentaid.gov website. I never received a correspondence from MOHELA to confirm and verify the loans I wanted to consolidate before they finalized it. There was one loan that I was wanting to not include after my application submission due to concerns that I had. My total loan balance was approx. {$190000.00}. I had spoke to MOHELA on the phone in XX/XX/XXXX as I was waiting on them to send the letter to verify my loans and consolidation request and was told by a rep that they MOHELA didn't send a loan statement because I had applied for PSLF and needed to consolidate quickly so MOHELA could meet the XXXX deadline. This is what the agent told me as to why it wasn't sent to me. Unfortunately, when MOHELA took possession, my loans totaled {$200000.00}. I first inquired about this on XX/XX/XXXX. MOHELA responded XX/XX/XXXX and failed to address my question and concern. All they sent was a copy and paste to FAQs. I then sent another message XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every response has been a them ignoring the question. They have requested to me to call, however due to my schedule, their own disclaimer about wait times etc., and me wanting to have things documented I have been clear I would like the information via written as it is an contact option for consumers. They have failed to answer appropriately.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I received notice from XXXX XXXX that my credit score went down because of a closed account. Upon research I discovered this was a result of Bank of America cancelling one of my credit cards. I contacted Bank of America and they explained it was cancelled due to none use. 

I explained to them that I had that credit card since XXXX and had to request a new one in XXXX that had a chip and could be used world wide since we travel over seas and the old card would not work over there. At that time the Bank of America associate told me to go ahead and keep the old card in case I needed it or if something happened to the new since there was no fee or cost to keep it open ( That was XXXX years ago ). 

I further explained that if I could get a credit increase on the new card equivalent to what I lost with the old card that may restore my credit score and rating. The situation is this, 1 ) I retired early in my XXXX 's and no longer have an income. 2 ) I am able to live off my saving until I reach XXXX at which time I will receive social security and will be able to also access my IRA retirement accounts. 3 ) They are unwilling to state whether I could get approval for credit increase since I do n't have a income. 4 ) They ca n't state if they make a credit inquiry whether it would be soft or hard request. 5 ) If it gets denied then my credit score could be adversely effected even more by the denial and subsequent hard request action.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

I checked on my CareCredit account on Friday in preparation for a vet visit I had scheduled for today, Monday, XX/XX/23. It said I had {$2000.00} available to spend. I was denied at the vet today and when I called, CareCredit informed me that they closed my account yesterday, XX/XX/23, for inactivity, however I got absolutely no notification or warning that they were going to do that. 

As you know, closing a credit account will hurt my credit score. I can apply for a new account, but that will also hurt my credit score. 

I don't think I should be penalized for paying this off on time, and not having use for it until today, especially since this is a credit card specifically intended for medical, veterinary, and dental services. If I had been warned about the impending closure, I would have used it for services I received last week, and kept it active for this vet visit I had today and the dental work I have scheduled in a couple of weeks. It should be illegal for a credit company to close a credit account for any reason without warning the account holder.
Consumer complaint received 2023-10-30
Product: Credit 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: DISCOVER BANK (IL)

I disputed a charge on my credit card because the service I received was not adequate. Specifically, I had some dress pants dry cleaned and when I received my items back, they were damaged. The dry cleaner offered to dry clean them a second time but that wouldn't repair my damaged pants. As such, I placed a dispute with my credit card company. 

After nearly 2.5 months after I filed my dispute, Discover, the credit card company found the transaction to be valid and closed the dispute. However, I did not dispute that I had engaged in the transaction. I disputed the quality of the service I received. Moreover, I was never contacted by Discover to provide any additional information or details on the dispute before they closed the dispute. Finally, in the resolution email I received from Discover, they stated the following : Please contact the merchant or manufacturer directly for questions about : Inconveniences Disagreements with the merchant 's stated policy Rebates/Reimbursement requests Manufacturer 's warranty Promotional offers Incidental damages related to the purchase Unrecognized in-person Chip transactions None of the above applies to me and I could have told the disputes agent such if they had made contact with me.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017.