davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

Good Evening, I had a credit card with XXXX XXXX. I received a notice dated XX/XX/2019, informing that my account will be closed as of XX/XX/2019, due to account inactivity. Previously my account was decreased based on running my credit report XXXX XXXX determined that I had too many revolving credit cards. Yes! I do have a few credit cards, but my payment history with them all is great. So I was decreased down to {$100.00}, and at XXXX XXXX, that's one bra. I decided not to use it, and save it for one of their big sales. I called today ( XX/XX/2019 ), and spoke with XXXX XXXX who informed that they will do that if you don't use your card. I asked the following questions : Q : When was the last time I used my card. 
A. A little over a 1 1 /2 ago. 
Q : Was I ever late with a payment? 
A : No XXXX XXXX you have a perfect payment history. 

I was informed that if I wanted the credit card back I would have to reapply. You hurt my credit by closing my account, and you want me to reapply ; which also hurt my credit. I can understand if I did something wrong ; I had such a BAD payment history, but guess what I didn't have that. 

PLEASE HELP ME!!!!!!!!!
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo case number XXXX CFPB # XXXX Just I talked with case manager of  WF and she do not able to help. 
-Still insist due to the amount of time passed when the claim was failed they are unable to obtain the refund for the purchases- -they still do not accepted to continue with my XXXX monthly payments - they still remain closed my account. 
Why they invited me to make a settlement, if a never refuse to paid just I want to paid as usually XXXX.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX a call was made to Chase Bank in order to pay my credit card bill. Upon paying the bill I forgot to ask for them to remove my account information. Upon calling back I was told that it could not be removed without cancelling the payment. I insisted it could as I did so every month. The agent disputed this fact and I eventually requested to speak with a manager. After speaking with a manager I spoke of the issue once more. The manager said he would research to see if this could be done. After explaining once more that I have done so more than one time and having filed a report about this continuing issue he promptly removed my bank information from being on file and than apologized for the misinformation. At which point I asked for a credit to my account due to Chase Bank lying about the ability to remove my private information. He refused and I requested to speak with the executive affairs before filing a complaint with the consumer bureau Upon being transferred the lady who answered asked me what occurred. She.appeared to be dismissive and aggressive once I stated the request for a refund. She did however apologize for what had occurred.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

Around XX/XX/XXXX, National Credit Systems was hired by XXXX XXXX XXXX in XXXX Arizona to collect a debt that I do not owe. Neither one of the firms ever contacted me about this false debt, so that I could dispute validity ( which I found out is a blatant violation of the Fair Debt Collections Act ). The way that I happened to find out about this debt was by getting an alert from XXXX XXXX. Upon this alert, I promptly disputed the debts with the Credit Bureaus ( I was victim of Identity Theft last year and therefore I have Fraud Alerts with the Credit Bureaus ). I have also contacted National Credit Systems by phone in XX/XX/XXXX. They could not verify my personal information in this phone call. I told them this debt needs to be removed, because this debt is not mine. I assumed this matter would be resolved. But to my dismay, I got the Credit Disputes back from the Bureaus, and National Credit said they confirmed the debt was mine? I made another phone call to National Credit today. They are still refusing to provide me with any proof of this debt or demand for payment. As a note, I did find out today that this alleged debt was may be my son 's debt who has a similar name to mine. However, this Collection Agent refused to acknowledge the facts as presented and provide me proof. Also, I have left several messages with the Creditor XXXX XXXX XXXX, but they have not returned my phone call. Thanks for your help.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

In early XXXX, my Amazon Store Card account was closed. I received a letter listing the reason for closure as : " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. 

My account was paid off at the time of closure. I've always paid on time in full since I first received the card over a year ago ( likewise for all other accounts in my credit history ). I had a reward balance of {$1100.00} that was forfeited as a result of Synchrony closing my account. I believe my account closed in bad faith with the intention of denying my rewards. I would like Synchrony to either reopen my account with the original reward balance or pay out the rewards that were forfeited when they closed my account.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Closed XXXX visa with Chase Bank in XXXX Was told I overpaid them, and that they send me a check which I NEVER RECEIVED for {$470.00}. 
Have called them every week, each time to get different story They claimed check was cashed, I DID NOT CASHED IT, DID NOT RECEIVED IT!!! 
asked to send me proof of cashed check, they can not find it, or so they say I have been calling weekly, spoke with 6 supervisor, signed an declaration, mailed it certify mail on XX/XX/19, still not word It is my money and they are not paying me XXXX XXXX
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (PA)

I received a letter from the XXXX group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible migraines daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I received a text notification that my savings account balance was XXXX in a panic since this is the account I deposit my pandemic unemployment checks I logged on to the Wells Fargo website to confirm that the balance was indeed XXXX. The notice said " Legal order debit-contact court ordered debt collections ( XXXX ) XXXX case # XXXX '' Ie called this number to find out Wells Fargo can not tell me who had collected my savings. I was never notified of me owing anything and now my unemployment is gone to someone and my kids and I face hunger, eviction, penalty fees, overdraft fees and a {$120.00} to wells fargo legal ordered fee. I dont know who or what but one thing is for sure my children and I will be sleeping on the streets of XXXX XXXX Ca if I can not fix this soon. I will be happy to set a payment plan as long as i know what is for. Not knowing the creditor, balance or nothing about the debt is scary specially when your kids safety is at risk.
Consumer complaint received 2021-02-15
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: Experian Information Solutions Inc. (CT)

I recently filed a dispute with Experian to see if could remove the late payments from one year ago in my car loan with XXXX XXXX  XXXX XXXX XXXX. When the dispute was complete, the whole account was removed from my credit report when I only requested the late payments be removed. Experian told me the credit Union needs to reinstate the account and the credit Union is telling me they are still reporting it. Its still not there. It is an open account that I pay on time and am not getting the credit for it being in good standing. I have not heard back from my credit Union to get help with correcting this and I cant reach a live person who can help me either. Both parties claim the other is to blame and in the mean time, Im not getting the credit I deserve.
Consumer complaint received 2019-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Consultants, Inc. (NC)

My name is XXXX XXXX. 
I have noticed that a medical account this month from XXXX from Professional Recover. 
This yr in XXXX was the only time I been to hospital to be seen since I had my daughter in XXXX. I have had my identity stolen before. which I have records of that.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (GA)

On XX/XX/2019 we received an email from Navient XXXX that a debt was allegedly owed. On XX/XX/2019 Navient XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 Navient XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 Navient XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 Navient Corporation Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :
Consumer complaint received 2020-02-07
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: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2019 Ive managed to purchase a XXXX player at XXXX & XXXX XXXX XXXX for the amount of {$480.00}. I didnt have a chance to examine the unit prior to checking out, and discovered the technical issue with the player only at home it wasnt reading files from microSD card properly. Ive vocalized this issue to XXXX & XXXX XXXX XXXX customer support over the phone and been informed that Ive could return the item back to XXXX & XXXX XXXX XXXX, following their return & refund policy. The item has been successfully returned back to XXXX & XXXX XXXX XXXX on XX/XX/2019 via XXXX Tracking XXXX. Couple days after the package has been received, I gave another call to XXXX & XXXX and been told if the package has been received, I should expect the refund issued in 3-5 business days. However, I havent found a refund been posted to my account. Please, consider supporting documents attached. I have retained a copy of this letter for my personal files
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and
Consumer complaint received 2019-04-02
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. (SC)

I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.
Consumer complaint received 2022-09-15
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. (HI)

XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXX XXXX  IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2019-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

In XX/XX/XXXX I sent a letter requesting a settlement agreement with Wells Fargo. I received a bankruptcy settlement in XX/XX/XXXX. 

XXXX XXXX, I received a letter stating it was in review. 
XXXX XXXX, I received notice from XXXX XXXX that settlement offer could not be approved because I needed to apply for a loan modification first. 
On XXXX XXXX I faxed Wells Fargo a complete loan modification packet to new specialist XXXX XXXX XX/XX/XXXX. Notice that application is complete and in review Prior to XXXX XXXX, received notice that a loan modification was not possible. 
XXXX XXXX, notice of new specialist XXXX XXXX. 
By XXXX XXXX, requested same settlement agreement as in XXXX XXXX XXXX, notice of denial of settlement offer XX/XX/XXXX. Spoke with XXXX XXXX and he stated that I could request another settlement offer and that if there was new or compelling information I could receive a settlement agreement. 
XXXX XXXX, Sent another request for settlement with higher amount and detailed letter of circumstances. 
XX/XX/XXXX, I called to confirm receipt of request and was told it was received and would have decision in 3-5 business days. 
XX/XX/XXXX, After 3 attempts to get an update I received a return phone call from XXXX XXXX. He stated that I had been denied. Although he called me, it was clear he had no information about my case. He stated that it was denied, but that if I had zero equity in my home I could try again. I explained that I likely did have a small amount of equity, but that I intended to stay in my home regardless of having suffered numerous financial hardships over the recent years. My XXXX  daughter required the stability of a home having lost her father. 
XXXX XXXX, I received a letter stating that my request had been withdrawn. MY REQUEST WAS NOT WITHDRAWN. 
XXXX XXXX, I sent a letter to Wells Fargo that they needed to correct the information that my request was withdrawn. I sent a detailed letter calling out the numerous hoops I had been through in trying to work with them and how incredibly worthless the effort was. It was obvious that they would never have offered any relief and I was just wasting time with a high interest loan ( 6.55 % ). 
XX/XX/XXXX, notice they were looking into recent letter and would respond by XX/XX/XXXX XX/XX/XXXX, notice stating they needed more time and would respond by XX/XX/XXXX XX/XX/XXXX, notice stating they needed more time and would respond by XX/XX/XXXX. 

I As I am sure you are aware, Wells Fargo is only interested in profits and greed. I showed them that they could agree to a settlement and not lose money. I also showed them that had I requested the settlement years earlier, instead of working diligently to pay my mortgage, that they likely would be out much more. I am tired of dealing with Wells Fargo and would like to understand what they are doing continuing to string me along for no apparent reason.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

They have been contacting my father via several phone calls. They also disclosed my personal information to him such as where the debt is from and the exact amount of debt. As far as Im aware, that is illegal.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXXXXXX XXXX IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2021-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2019-04-02
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. (CA)

HI THERE, I FOUND FRADULENT BANKRUPTCY ON MY CREDIT REPORT. 
NEXT THING I DID WAS ... I CONTACTED TO COURT AND RESPOND WAS THAT THEY DONT HAVE ANY FILE UNDER MY NAME, WHICH MEANS THAT THE BANKRUPTCY IS FRADULENT. 
I TRIED SO HARD TO SOLVE THIS ISSUE WITH CREDIT REPORTING AGENCIES, XXXX  AND XXXX  BLOCKED IT, HOWEVER THE EQUIFAX IS REFUSING TO INVESTIGAE MY CLAIM EVEN AFTER I SENT THEM FULL POLICE AS WELL AS FTC REPORT. 
AS A LAW ABAIDING CITIZEN I AM ASKING FOR YOUR HELP TO MAKE THE EQUIFAX TO OBEY THE FCRA LAW.
Consumer complaint received 2019-04-02
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: Experian Information Solutions Inc. (IL)

Experian refuses to delete an account that I provided proof in the form of documentation.The collection company is called ; XXXX XXXX XXXX XXXX XXXX. The amount of the bill is $ XXXX.The bill was paid in full by both the orginal creditor and Illinois XXXX . The original creditor is XXXX XXXX ( XXXX XXXX in XXXX Illinois ). The date of service was on ; XX/XX/2017. 

Experian informed me that they can not call or notify XXXX XXXX and that XXXX has informed them that I still owe this bill. Experian did not do a reasonable investigation by simply telling me that XXXX says the information is accurate. I provided legitimate documents to prove this. What protection does consumers have if documents are being overlooked? 

I want justice by having this item deleted from my report immediatly.I have filed a complaint with XXXX and also know that I can and will take XXXX to small claims court to seek up to {$1000.00} in damages, if they do not comply in a timely manner.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo savings account and checking account were setup to automatically transfer funds from my savings account into my checking account in the case of an overdraft of my checking account in order to prevent overdraft fees.

( overdraft fee {$35.00} ) The bank changed my savings account to an everyday checking account which could not transfer funds to prevent overdraft charges.

Because of this change from savings to checking ( without my consent ), I was charged over {$400.00} in overdraft fees on my original checking account. ( now having two checking accounts ).

I contacted the bank via phone call to ask the bank about the issue and they claimed their actions were to prevent withdrawal fees from my savings account.

( Withdrawal fee {$15.00} ) The change to how my accounts were set up ended up costing a total of {$450.00}.

The bank claimed to have no record of the overdraft fees on my account although they are shown in my monthly statements.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

In XXXX of XXXX, We closed on a mortgage with Citi Bank Mortgage for property in XXXX XXXX a U.S. territory. In XXXX Citi mortgage stopped doing business in XXXX XXXX and sold it's branches and other business but kept our mortgage. Over the years Citi mortgage has sent me info to refinance this mortgage but when I call them they say that they can not refi in XXXX XXXX. We are paying a high rate of 6 % on this mortgage, Citi Bank never notified us that they were leaving XXXX XXXX and that we will not be able to refinance this mortgage with them. We feel that Citi is not being fair by not letting us refinance for a lower rate on a mortgage they still hold and is being serviced by XXXX since XXXX. Pleas advise us on our rights and what can be done. Thank You