davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (NJ)

Received multiple bills from collection agency while awaiting charges to be paid by insurance company. The original date of service was XX/XX/XXXX ( {$560.00} ) On XX/XX/XXXX received call from collector stating that if wasn't paid, credit will be affected. At that time, I paid the collection agency. 
I then received a EOB from my insurance company on XX/XX/XXXX stating that this claim was paid. I finally was able to get someone to help me on XX/XX/XXXX. She found this should have been a workmans comp claim. I forwarded all paperwork to her and she in turn forwarded to XXXX XXXX. 
After not hearing anything since XXXX, I contacted XXXX XXXX on XX/XX/XXXX. I was told to contact debt collector. 
I've been trying to get refunded {$560.00} from either hospital, who referred me to debt collector who referred me back to hospital.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

First I am XXXX and have banked with Wells Fargo since XXXX ( 55 years ). I will five dates and what occurred. 
I have transaction history from XXXX. 
on XXXX there was a transfer I never made of {$9000.00} from savings to checking and a transfer back to checking of {$9000.00} on XX/XX/XXXX and the same amount from savings to checking. I saw this XXXX and thought it was odd and questioned its odd behavior which i did not do, yet ignored it as I didnt lose anything.Later i realized someone probably did this to verify they had control on my a/c and then the next morning my email sjowed a large banner taking full screen that said my loan was approved for XXXX. I never asked for a loan and knew something was amiss at this time ( i was a finance major, stock broker and later XXXX office manager. ) Immediately there was a deposit of XXXX to checking. and a check for {$9800.00} went to XXXX XXXX, I had leased a car from them but paid them back in full at the end of XXXX. I did call XXXX and was told they closed the file and never received that money. there was a {$9800.00} transfer to checking and a transfer of XXXX to checking My original balance in checking was {$9800.00}, and XX/XX/XXXX {$8500.00} goes to checking on XX/XX/XXXX $ {$9800.00} goes out to XXXX XXXX XXXX i called them they necer heard of me nor had I heard of them ( when i called them ). 
At this point i had been to Wells talking to XXXX a banker there as i was clearly scared. 
At this point Wells closes my checking and savings accounts, The new account currently is negative {$890000.00} and I am honestly broken financially I do not have a dollar to my name. 
To help me out my cousin opened an account at XXXX and will pay my rent, usility bills and food until we can get this fraud accounted for and hopelfully get my money back and take me back to my {$9000.00} total combined balance I had on XX/XX/XXXX. 
Bottom line there was a balance is now negavive in a new a/c at Wells money moved around by WHO KNows probably a foreign indivisual my bank a/c has been robbed of {$9000.00}.

I have zero IT skills so all of this is shocking. It seems what Wells wants to do is say I did all of this I would have no idea how this was performed .Yet it seems there must be an account maybe foreign and phon numers somewhere XXXX could get. Sincerely XXXX XXXX.
Consumer complaint received 2019-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX, transunion and XXXX  to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MD)

In XXXX, I opened a business checking account with US Bank in response to a promotion that it was running : open an account, deposit {$3000.00} into it within 30 days, maintain the balance for 60 days, make 5 transactions, and receive a {$400.00} bonus within 45 days of meeting the requirements. I met the requirements on XX/XX/XXXX, so I should have received my bonus payment no later thanXX/XX/XXXX I still hadn't received the money on XX/XX/, so I called the bank, and the rep that I spoke to confirmed that I qualified for the bonus but didn't tell me when I would receive the money or make any apologies for not paying me the {$400.00}. For a bank that claims to be " ethical, '' I find it interesting that it avoids paying bonuses on promotional offers that it runs. There is no doubt that if I hadn't called the bank, I never would have received a XXXX, and I still have no idea when I'll receive my {$400.00}. 
US Bank is still running the promotion, but the bonus has been bumped up from {$400.00} to {$500.00}, and there's no longer a transaction requirement. My account number is XXXX XXXX XXXX. My account balance still has never been less than {$3000.00}.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MI)

I received an email from Robinhood stating that my individual brokerage account would be closed without further explanation. Consequently, I transferred my assets to another brokerage. Since only whole shares could be transferred, I had to liquidate the fractional shares, which totaled {$960.00}. Although the shares were successfully transferred, the remaining funds were not.

I've made numerous attempts to contact Robinhood, but without success. They don't have an email contact, and their phone numbers only provide an automated message directing me to open a ticket within the app. I followed this instruction and sent multiple emails but received no response. 

To make matters worse, the app shows the account transfer status as completed, leaving my money stuck in the account.
Consumer complaint received 2023-04-22
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: WELLS FARGO & COMPANY (VA)

XXXX  XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND XX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with XXXX XXXX XXXX and I have never signed any contract with that company either.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are 3 accounts on my credit report that are not authorized and do not belong to me. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$470.00} XXXX XXXX Account Number : XXXX XXXX {$300.00}
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX IN, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX IN, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I filed two disputes XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX XXXX buy XXXX $ on XX/XX/XXXX and again on XX/XX/XXXX The bank instantly closed both disputes which is Why i opened it twice will try opening it again for a third time while this claim is open.But the bank did not investigate the claim at all i have evividence to proof my claim but they did not even ask for it the total for both disputes is XXXX $
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The balance on my account hasnt been correct for two months now. They came and repossessed my motorcycle that was used as collateral for this loan and they havent updated the balance since taking possession of the vehicle. Ive been working with XXXX XXXX to settle this account. As of now its like their double dipping by trying to collect money that should have been taken off as a result of the repossession.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (NY)

I am writing to file a formal complaint against U.S. Bank regarding an issue that has severely impacted my access to credit. I have been a long-time customer of U.S. Bank and hold multiple credit cards with your institution. In XXXX, I attempted to extend my relationship with U.S. Bank by applying for a credit card with Elan Financial Services, a division of U.S. Bank. Unfortunately, this action triggered a fraud alert with U.S. Bank. As a result, the available credit limit on all my U.S. Bank credit cards was reduced to {$0.00}, rendering me unable to use any of my credit cards. 

I promptly contacted U.S. Bank to address the situation and was instructed to fax my New York State Driver 's License and Social Security card to fax number XXXX. I complied with this request and faxed the documents multiple times. Despite my efforts, I noticed that the available credit limits on my accounts remained at {$0.00} after several weeks. 

On XX/XX/XXXX, I contacted U.S. Bank again and was once more instructed to fax additional documentation, including my New York State Driver 's License, Social Security card, two months of checking account statements, and two years of IRS tax returns to the same fax number. I was also asked to include a cover sheet with four reference numbers : XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I faxed all the requested documents, including my New York State Driver 's License, Social Security card, two months of XXXX XXXX checking account statements, my XXXX and XXXX IRS tax returns, and the cover sheet with the specified reference numbers. However, as of today, XX/XX/XXXX, my credit limits on all U.S. Bank credit card accounts remain at {$0.00}. 

While I understand the importance of protecting against fraud, this situation is not a case of fraud. I have provided all requested documentation in a timely and thorough manner, yet I am still unable to access my credit. This has caused significant inconvenience and disruption to my financial stability.
Consumer complaint received 2024-07-02
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: HUNTINGTON NATIONAL BANK, THE (OH)

We files a dispute with Huntington National Bank 3 times for the incorrect charge of {$850.00} for 2 concert tickets by XXXX and never received our ticket. We need the money refunded back off our credit card for the amount of {$850.00} plus interest that has occurred. We believe that the XXXX is a scam or bogus website for fraud tickets.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION (NC)

OportunXXXX credit card charged me " late fees '' on an account that I paid off and closed on XX/XX/2023. I paid my balance and requested an account closure. Several months later they begin to call and harass me to tell me that I owe then {$140.00} in late fees. But when I try to access my account online my account no longer exists. Or when I ask them my account status they told me I didn't have account. I asked for written proof that I owed the amount they sent me a standard billing statement. I have denied the charge and explained that I close the account on XX/XX/XXXX asking for my full balance from their representative. I paid the amount they said. But they insist that I still owe the charge. If I owed the late fee why wasn't I sent a bill for it? Why did they wait several months allowing late fees to be added to the existing late fee? 
When viewing the information on my credit report is says the account was closed XX/XX/XXXX XXXX. Why was it left open for a month after I requested account closure? I have tried to dispute it through the credit bureaus to no avail, Since they have reported it " charged off as a bad debt '' effecting my credit rating.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

Dear citi Card Bank, My name is XXXX XXXX XXXX, and I am writing to you regarding an account that appears on my credit report as a charge-off from Citi XXXX Bank XXXX I have no knowledge of this account and would like to request a proper investigation into this matter. 

I dont recall ever opening a bank account with your bank, Currently, I am in the background check stage with XXXX XXXX and XXXX XXXX, and I am being questioned about this debt. This is causing significant concern as I do not recall ever having an account with your bank. This inaccurate information could potentially affect my future job prospects, as it may appear that I have an active debt when I should not have any outstanding debt with any bank. Additionally, this misinformation is negatively impacting my credit score. 

I kindly request your prompt attention to this matter and an investigation to determine the accuracy of this account information. Please contact me at your earliest convenience at XXXX or via email at XXXX. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

Dear citi Card Bank, My name is XXXX XXXX XXXX, and I am writing to you regarding an account that appears on my credit report as a charge-off from Citi Card Bank . I have no knowledge of this account and would like to request a proper investigation into this matter. 

I dont recall ever opening a bank account with your bank, Currently, I am in the background check stage with XXXX XXXX and XXXX XXXX, and I am being questioned about this debt. This is causing significant concern as I do not recall ever having an account with your bank. This inaccurate information could potentially affect my future job prospects, as it may appear that I have an active debt when I should not have any outstanding debt with any bank. Additionally, this misinformation is negatively impacting my credit score. 

I kindly request your prompt attention to this matter and an investigation to determine the accuracy of this account information. Please contact me at your earliest convenience at XXXX or via email at XXXX. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/year> ) and ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

The issue I am having might be different from what the prompts are. I need help forcing Wells Fargo to chargeback my money. I purchased a service called XXXX in XXXX of XXXX. This included a Lifetime XXXX XXXX  which generally consists of three main components : ( 1 ) the 30-Day Money-Back Promise ; ( 2 ) aligner touch-ups during treatment ; and ( 3 ) lifetime touch-ups after treatment. Around the end of XXXX I would say around XXXX, I received an email that their company is being re-structured. Then in XXXX, I received an email from XXXX stating that they are actually shutting down operations while leaving me without treatment. I contacted Wells Fargo in XXXX of this year, and after about 3-4 months they told me that they wouldn't be able to chargeback the money from XXXX because it's after 120 days of the purchase date. I spoke to a representative from CFPB who told me that this isn't how this works, and has gladly pointed in the direction of your website where I am now filing my complaint against Wells Fargo since XXXX is now defunct. I am ready to submit more information to easily find my Wells Fargo information via email or phone number.