davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY ()

I was working with Wells Fargo on a new mortgage approval for our family 's new home starting in XXXX. During the process, Wells Fargo decided to have the appraisal done as a drive by and the house was valued U {$190000.00} less than the offer price. Since we did not have the additional cash, this meant we could lose the deposit and the opportunity to buy the new home. We decided to start a new loan approval process with two other lenders in parallel, XXXX and XXXX, while trying to dispute the appraisal from Wells Fargo. 
The appraisal reports produced by the two independent lenders came right at offer price. Appropriate adjustments were made to the condition of the home since both were full walk in appraisals and recent sales were taken into consideration instead of sales done 1 year ago. Both reports were shared with Wells Fargo in an effort for them to reconsider and accept those instead - we were still interested in closing with them due to their more competitive rates. However, they took over 2 weeks to make a decision and finally decided to disregard the initial Wells Fargo drive by appraisal report and accept the new home value appraised at offer price by the other two institutions. This additional delay in fixing the initial issue resulted in the inability to get fully approved with Wells Fargo in time for our planned Close of Escrow date, so we did not use them as our lender and instead used XXXX.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent Equifax their download form, a letter, all documents they requested and then some specifically telling them to PERMANENTLY lift a freeze I had. They then refused demanding the exact same things I sent them. I am trying to buy a car because I was in an accident and they are preventing me from going to buy a car
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Knight Adjustment Bureau (UT)

They have contacted my job multiple times telling my boss he was a debt collector. He called again and asked for the address of our building and asked me ( I was the one who answered ) personal questions about myself not knowing it was me. I told him per my boss, I could not provide any information and he got mad and said he would get the information from her and hung up. Also might add I am not the company 's employee that he is calling and harassing
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2021 my account was hacked into by hackers. They scam me telling me my account that hackers has sent money to someone in XXXX and was sending money to other countries. They told me to look at my account and they remote into my account use my XXXX ACCOUNT took my money. I immediately contacted NAVY Federal Credit Union. They took reported and reported as FRAUD told me would be investigated. 
Today XX/XX/XXXX I called Navy Federal Credit Union checking on my {$1000.00} they told me they were not able to put my money back even thou I was hacked by hackers that scam me. Please help I'm unemployed that is all money I had saved.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing all other names and addresses. These other forms of my name are not correct historical data. 
Incorrect historical data listed below : Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX - It is imperative that you immediately remove this inaccurate data from my credit report. 
Incorrect Address - XXXX XXXX PL XXXX FL, XXXX Incorrect Address- XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX Address- XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, I filed this compliant : " Hi, On XX/XX/XXXX, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help! '' Today, I received a response from the company that I have attached to this complaint. They say that my checking account is currently involved in arbitration, and as a result they are unable to respond. ( please see attachment ) I have also attached the full arbitration filing for your review. You will see that it DOES NOT involve my checking account in any way, shape, or form. The arbitration filing is solely related to a Suntrust Credit card account. 

Secondly, even if my checking account was involved in arbitration with Suntrust, that does not prevent them from responding to my complaint. That is merely an excuse they are using to not have to answer for why they have held my money for 12 months now! 

Furthermore, that excuse is an outright, fraudulent lie as my checking account is not involved in the arbitration. Someone must hold them accountable.
Consumer complaint received 2017-08-01
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: WELLS FARGO & COMPANY (TX)

Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

Attempted to withdraw funds from ATM. Machine did not dispense funds. Money was still debited from my account and has not been returned. Company has not done a timely investigation or made attempts to return the money to my account.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Ive filed several of disputes with Equifax since XX/XX/XXXX - last week. Ive received an email on yesterday saying my disputes is complete. I logged in to view the results but once I click on PDF file to view it, nothing happens. I called Equifax yesterday and told the representative that Im not able to view the results online. I request for her to send my results by email but per the representative she can only mail it and it will take 7-10 days. Per the representative my account is locked. She stated that she will unlock it but I will need to wait 30 minutes to an hour before trying again. I explained that Im able to log in so my account isnt lock. Ive tried all day yesterday after the call and again on today and Im still not able to view anything! I need to be able to view my entire credit report online along with the results from my dispute. Also Ive reported a name change and address change back in XXXX when I had gotten a divorce but on yesterday the representative address me as my previous married and also stated an old address on file as my current address. I explained to the representative that all changes was made years ago and the other credit bureaus have the correct information but Equifax isnt updating any of my information! The representative did not unlock my account for me to view it online and did not address my concerns about updating my credit file. The representative release the call before confirming she updated my report.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (CA)

Credit Karma notified my husband that he had been added as an 'authorized ' user on " some one 's '' ( unidentified person ) credit card. He was then asked to click on a link ... a clear indication that it was a phishing scam. This is out of control and unacceptable. We have sent a message to Credit Karma that we would be lodging a complaint against them.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (IL)

There have been several accounts that have been opened in my name fraudulently. The first account is as follows :  XXXX . The account number is  XXXX . The date the account was opened in  XX/XX/XXXX  in the amount of {$1200.00}. The next account is a   XXXX   account, which was opened in  XX/XX/XXXX  in the amount of {$300.00}. The account number is  XXXX . The last account that was fraudulently opened is  XXXX  account opened in  XX/XX/XXXX  in the amount of {$1200.00}.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (CA)

I received a letter from California Business Bureau back in XX/XX/2020 requesting a payment of {$300.00} and change. I contacted them and escalated the matter to a XXXX by the name of XXXX XXXX to explain to her that this charge is wrong, unauthorized, and I have the proof from the doctor at XXXX who was trying to help me resolve it ( attached ). Ms. XXXX asked me to send her the proofs which I did in my email dated XXXX ( attached ) to look into this matter. On XXXX I got a notification from my credit bureau that there's a collection on my bureau ( attached ) and my credit score dropped by 80 points. I called California Business Bureau left multiple unanswered messages to Ms. XXXX today XXXX. Finally they transferred me to Ms. XXXX XXXX. She acknowledged having received my dispute and documents back in XXXX, and acknowledged that they have not sent me any form of communication in response ( no email, mail, phone call, text message ... nothing ). They did not even try to collect the money since then. Instead they went straight to the bureau and ruined my credit. She offered to make a payment and she would " remove the collection from my bureau '' to " help me ''. I didn't trust that this is possible, I was willing to pay something I don't owe for them to restore my credit. I felt helpless. I asked multiple times why didn't anyone send me any communication in response to the dispute since XX/XX/2020? No explanation given other than " it's your credit sir ''. This is too much power that no-one should have over any person. I am glad to find that I do have a recourse by filing this complaint.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (KY)

Was trying to use my Debit Card on XXXX/XXXX/16 and was declined. Checked online banking and received notice that my account has been frozen. I called cusotmer service and they said my account was closed but they could not or would not tell me why but no withdrawals or deposits could be made on my account. Was not given a courtesy call from the bank letting me know what is going on. Went to the branch on XXXX/XXXX/16 and was told the same thing. Yes it is frozen and will be closed and you will receive a letter and any remaining funds in the account in about 10 days.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (CA)

have sent official bank closure letter signed dated and with identification all provided. My attorney looked over it before it was sent. 

Optum bank has refused to close my XXXX account and mail me a check for my balance as indicated. It has been no less than 3 calendar months of attempts to get resolution, but still nothing. 

Please help me get my money! Shadiest financial institution I have ever encountered!
Consumer complaint received 2021-11-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

This complaint is about an unfair debt collection and credit reporting from XXXX. On XX/XX/XXXX, I submitted to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a signed and dated letter with my intent to move out effective XX/XX/XXXX, as suggested to me by their rental office manager ( XXXX ) when I asked about the proper move out procedure I needed to follow since at the time the lease expired over a year prior. I did move out before XX/XX/XXXX as the co-occupant also co-signer on the expired original leasing contract opted to continue to reside at the rental property on a month-to-month basis for another year before moving out. 
While reviewing my credit report for the first time in a while in XXXX of XXXX, I noticed a collection account I had never seen before for an alleged debt in the amount of {$300.00} being collected on by XXXX collection agency. 
Upon my immediate request to XXXX for a validation of the alleged debt in collection also listed on my credit report, I received the attached letter from XXXX dated XX/XX/XXXX. Along with this letter XXXX provided the attached SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt in the amount of {$300.00}. This document provided to me by XXXX as proof of the alleged debt from the original creditor also listed my name associated with a mailing address of XXXX XXXX XXXX XXXX, Ohio XXXX. I have never used or seen this address, and it does not belong to me. This has never been my mailing address so if collection notices were sent to this address, I would never have received them. 
The reporting of this debt on my credit report in XXXX of XXXX was done without the XXXX collection agency notifying me of the alleged debt, and of my right to dispute it in accordance with the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have disputed this alleged debt with Experian in XXXX of XXXX and XXXX of XXXX specifically noting the wrong address associated with my name on the SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt provided to me by XXXX as verification of the alleged debt.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AL)

This debt was from 2008. The creditor XXXX XXXX has sent me a letter stating that they have charged off on XX/XX/2008 with a balance of {$1500.00}. They stated that this account was bought by XXXX XXXX, XXXX. XXXX XXXX states in their letter to me that " they no longer have a financial interest in this account. '' They also states in their letter that " XXXX XXXX XXXX has not attempted any communication regarding this account since XX/XX/2008. If XXXX XXXX has not decided to collect this debt and has written it off, XXXX XXXX is stating that I owe them a balance of {$2700.00}. I owe nothing to this company. They decided to purchase this account from XXXX XXXX. I have no Idea how much they bought this account for. They are want to collect money from me that I do not owe them. This debit is ten years old? This company should not be harassing me for money that I don't owe to them.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

I received an alert that a collection popped up from Medicredit that I had never received notifications about, no phone calls or letters. After intense research ( because their website is not user friendly when you have never received a bill with an account number! and there is not a reliable customer service number ), I discovered that the bill in question was from when my son visited the ER at XXXX XXXX last year. Due to a divorce agreement, since I carry insurance on my son, his father is responsible for his medical bills which XXXX XXXX has documentation of. I will be in contact with the billing department on their next business day to get this straightened out, but I am filing the complaint against XXXX because despite that I have had no contact with this company, no phone calls, letters, anything to give me a chance to figure out the origins of this bill and my right to ask for a debt validation they had no problem reporting it to my credit while I am in the middle of a home purchase. This company should have noticed that they did not give me my right to ask for a debt validation and should have noticed that they have not been in contact with me over this matter ( because, it is not my bill.. ) before destroying my credit while in the middle of a home purchase! 

I have attached screenshots of mine and my ex husbands XXXX XXXX accounts under the billing section with the children 's names listed that we are guarantors of and a screenshot of an EOB from the visit the bill originated from with my sons name on it. I also have attached a screenshot of the demographics that is on my sons XXXX, which is his dads address and other contact information.
Consumer complaint received 2020-07-20
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: JPMORGAN CHASE & CO. (MA)

I have held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with Chase. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with XXXX  and called Chase to find out why  there was a negative report on my account. I got a run around from, purchasing some items while in Carlifonia in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in Carlifonia or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but Chase declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against Chase for the wrongful negative report as there was a charge after I paid up my account. I do not owe Chase Credit any amount and wish the negative report lifted from my account as it is erroneous.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2020-08-22
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NV)

I have a loan with XXXX XXXX XXXX and THD/CBNA. 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, TXXXX, XXXX XXXX XXXX and THD/CBNA with no successful resolution. There was definitely an error on their part.