davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/XXXX. 
Whom it may concern XX/XX/XXXX, the personal information on my Wells Fargo banking profile, such as phone number and email address, was changed by a person. I do not know who, and I do not know how. Then, at the same time, a cash advance transfer for the sum of {$10000.00} from my credit card ending now XXXX to my checking account ending XXXX, which was closed on XX/XX/XXXX, was made. As soon as I received an e-mail about that transaction, I went to the WF branch in XXXX, NJ, and found that a {$990.00} transfer through XXXX from my joint account ending XXXX and multiple wire transfers to the name, which I do not know, were made without my authorization. Multiple claims were submitted the same day after I discovered the fraud without any results. Escalation actions were taken after I received reimbursement for wire transfers, and as soon as it happened, I covered a {$10000.00} cash advance from my credit card ending now XXXX. However, no action was taken for the {$990.00} XXXX transfer that was made simultaneously and to the same person as other fraudulent transactions. All claims and escalations about the XXXX transaction failed, but wire transfers were reimbursed. {$990.00} was transferred from a joint account with my mother, who is retired and receiving SS there. All answers to the claims were explained that transfers were made through a secure online banking session by you, or some who had your authority and that no processing errors occurred. But I do not know the person who made all the transactions. Nobody responded to my statement, which shows the unprofessionalism of Wells Fargo employees. Some claims numbers are XXXX, XXXX, XXXX, and XXXX. 
Would you please investigate and decide about my issues with the XXXX transfer for {$990.00}? 
All additional information is available upon request. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX Cell : XXXX
Consumer complaint received 2023-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (DC)

Ollo/Ally Acct ending XXXX. 
My account is currently and ALWAYS has been in Exceptional standing. I was NEVER late, I NEVER missed a payment, paid MORE than required and NEVER went over the limit. As a matter of fact, because I kept my account in such an OUTSTANDING status, I have received TWO AUTOMATIC credit limit increases in less that 1 year!

However, from the very beginning, you consistently, fraudulently reported this account to the Credit Reporting Agencies as having MISSED payments, NO payments, and being OVER THE LIMIT. You gave me an increase, did not report it to the CRA 's. When I disputed the incorrect balances & credit limit, you corrected it. Then 3 days later, you subtracted the increase on my credit report. Even after I REPEATEDLY disputed all false, inaccurate information, you CONTINUOUSLY and DISHONESTLY responded, saying your credit reporting was verified and ACCURATE. This is an act of FRAUD because you KNOWINGLY and INTENTIONALLY reported false, inaccurate information about me & my finances to all the major credit reporting agencies. You also withheld information, by refusing to report my payments. My score dropped DRASTICALLY, due to you FRAUDULENTLY reporting my account being OVER THE LIMIT 2 months in a row. When I applied for credit, I was denied, because this FALSE, INACCURATE information was seen by other companies. 
You have violated my consumer rights and broken so many consumer laws. To prove you violated me, Every single one of those FRAUDULENT, FALSE, INACCURATE reports and statuses were FINALLY REMOVED AND CORRECTED by you, on all the 4 major credit reporting agencies reports. I DESERVE to be compensated for these violations. This has been BEYOND stressful and EMBARRASSING!
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

This started as soon as I ran my credit report. Showing a collection agency for I C SYSTEMS COLLECTIONS XXXX XXXX XXXX. XXXX XXXX, MN XXXX. On XXXX XXXX I reach out the company with the information found on my credit report. Per representative unable to locate account using my name, address and SS #, So I sent a dispute via XXXX. The dispute came back " account confirmed and accurate " Then I was able to locate the actual cable/internet company which sent this to collections. XXXX. Per XXXX they see the account was was cancel by me due to I was moving out of state. On XXXX 2019 equipment was returned in person via XXXX customer service center located in XXXX PA. I have the documentation from the cable/internet company.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Customer Service, I am writing to appeal the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always been a law-abiding and responsible user of your platform, and I take pride in maintaining a good standing with PayPal. Therefore, I was taken aback when I received notification that my account had been permanently limited. 

I understand that PayPal has the responsibility to protect its users from fraudulent activities and to maintain a safe and secure platform. However, in my case, I believe that there may have been a misunderstanding or a mistake. I am willing to provide any additional information or documentation that may be necessary to clear up any confusion and prove my innocence.

In light of the above, I kindly request that PayPal re-examine my case and lift the limitation on my account. I hope that we can work together to resolve this matter and restore my trust in your platform.

Thank you for taking the time to review my appeal. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-02-15
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. (VA)

Firstly I want to say, there is a previous claim I made and verified over the phone with you all today ( XX/XX/2023 ). I was told that I can't file complaint on multiple places in one. The one that I verified today is against XXXX XXXX  for the credit card that was opened fraudulently under my name. 

This new complaint I am filing is in correlation but this one is towards Transunion ( who I already have a current complaint in process with ) that my credit score is incorrect now ( dropped XXXX points due to this fraud credit card with XXXX XXXX ). I want that fixed ASAP.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (CO)

Robinhood financial LLC. 
Account no. : XXXX Username : XXXX  XXXX Total Amount in account : {$6900.00} I opened a robinhood account solely for the purpose of investing and hoping to find some luck in the stock market sometime back in XX/XX/year>. I had several stocks ( XXXX, XXXX, etc. ) and crypto ( bitcoin and ethereum ) in my account and linked my regular XXXX XXXX checking bank account ( XXXX XXXX XXXX XXXX ) as the means of funding this account. I watched my account grow and suffered losses as usual, just like every investment account. I held onto my stocks and kept funding my account whenever I could just to keep it growing. 
Out of now where, around late XXXX, my account was restricted by robinhood where they claimed I had to prove the source of my funding and verify my identity. I didn't hesitate, and I provided them with bank statements and cooperated with them with whatever they asked for. I sent my IDs and bank statements several times to different agents whenever I contacted their help and support team. 
My account was eventually closed and all my stocks and crypto were sold without my consent. These stocks, as at the time sold, would be worth more than they are currently. I sent several emails and messages and tried calling customer support several times, but it was to no avail. I am at a point where I can't even reach them anymore, as they won't let me send messages or emails on their application. I constantly receive financial statements every month about my closed account with my current balance of {$6900.00}. Constant efforts to get my money back from my closed account on robinhood have been futile. Kindly assist me in whichever way possible to get my funds back. It's been long overdue, and I could use this money to do a lot for myself and my family. Thank you.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Statement Closing Date XX/XX/XXXX for {$310.00} was paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX leaving {$62.00} on Credit. ( On time ) Statement Closing Date XX/XX/XXXX for {$320.00} with Missing Payment Credit of {$62.00} applied to previous month total balance. 

Statement Closing Date XX/XX/XXXX for {$630.00} with past due payment of {$320.00} was paid XX/XX/XXXX and XX/XX/XXXX for {$320.00} ( on time and prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due amount of {$630.00} was paid {$320.00} on XX/XX/XXXX and XX/XX/XXXX ( 13 days late and prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$630.00} was paid XX/XX/XXXX and XX/XX/XXXX for the the amount past due of XXXX ( 14 day late with prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$630.00} was paid XX/XX/XXXX and XX/XX/XXXX for the the amount past due of XXXX ( 8 and 16 day late with prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$480.00} was paid XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the the amount of XXXX ( 19 days late with prorated due payment of {$170.00} )
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/ I made a {$2500.00} mobile deposit in my checking account. On XXXX  I went to the branch to Notarize a document. The branch manager XXXX XXXX XXXX notarized the document and I left. Few hours later I couldn't access my account. On XX/XX/2023 still couldn't access my account I went to the same branch and spoke with XXXX XXXX, he immediately told me that the check i deposited was Counterfeited. He printed a copy of the check, and also called their fraud department. ( luckily I had my recorder with me and recorded this entire encounter ). I went home and called customer service and was on the phone with them for almost 90 minutes ( also recorded entire conversation ) I was told " the bank have the right to close your account '' and refused to give me any additional information, and was told that I will receive a letter in the mail within 60 days. I had disputed few payments that I did not authorize. Huntington Bank reversed these dispute after I made the deposit. It became very clear that Huntington bank tried to steal my money and close the account. 
I became homeless because of this, I wrote to the bank, drove to several branches, and finally I receive a phone call from their Corporate office. The check was from a landlord who withdraw money from bank account without my authorization, and found by court to be liable and pay me {$2500.00}.
Consumer complaint received 2023-05-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
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: EQUIFAX, INC. (GA)

I've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized XXXXXXXX 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have several charges from a non US company. I have even reached out to the head of Bank of America via email XXXX XXXX and someone from his office did call me back and left a voicemail and I have tried calling this person back for several days and no return call. I have called bank of American fraud department every single day since this has happened I have had a rep even tell me they never tied to reach out to the company and they wont refund me because it says I have charged from the same company that I didnt dispute the only reason I never disputed those was because she said she couldnt go back that far. I do not know this company I have never done business with this company Bank of America keeps sending me generic responses saying I authorized which I never did I dont even use my debit card physical I always use XXXX XXXX and cards attached I have lost my card several times where they do replace it and my account was and numbers and debit card have been compromised. I never authorized any of these transactions I keep telling them that and I have no clue what they want me to send in for proof because I dont even know this foreign company and have never had a contract with them. This was u authorized by me the account holder and I have been with bank of American since XXXX. This is a lot of moneh for a teacher who works 9+ hours a day I have talked to so many different. Fraud reps who tell me different things and all I keep saying is I dont know this company and I have never authorized any charges from this company ever. I have three claims that they keep saying they wont pay its my hard earned money and I want it back I dont knew why I have to keep fighting for whats mine based on fraud. 


Bank of America needs to do better Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX They keep saying resolved claim Not paid and I keep calling and saying I didnt authorize how is this resolved and wheres the proof? They wont send me anything besides letters saying I authorized it I have been patient and keep letting them know again I dont know this company I can not even contact this out of the United States company and I want my money back. 

Even the fraud reps who I have spoken with have written extensive notes as to it not being me and my account being compromised but they say they arent the ones making the decision its another department who they cant even transfer me over to.
Consumer complaint received 2024-06-11
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. (IN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have three open claims with Bank of America with a company called trader XXXX? I have no close what this company is and I can not get any info online to even info on them or contact them. I found out about this fraud when I was in the negative and I had another unauthorized transaction that they have me back but these are big charges over XXXX and are refusing to give my money back. 

Account ending - XXXX Claim ID : XXXX Account ending - XXXX Claim ID : XXXX Account ending - XXXX Claim ID : XXXX I didnt authorize these charges my card was compromised / lost/ stolen. I have several transactions from an unauthorized non Us company and do not have a history or affiliation with this company. They have been taking money out periodically with my pay days. This is fraudulent and I have made the effort to have this company blocked from taking any more money .but I need my thousands backs. I am a teacher and work XXXX hours a day. I have never made any of these charges to this company. I have lost my card but always use the card linked my my XXXX. Yes I log in daily to the app but I dont go through every charge I just look at my balance. There are more undisputed charges with this merchant I just couldnt go that far back. I never authorized any of these charges and have no affiliation or contract or receipt from this company. They arent based in the XXXX. This is credit card fraud -did not give anyone authorization to use my account -credit card was lost/misplaced/stolen.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Dear Equifax, I have sent all the proof that you requested to verify me and you keep on sending letters asking for the same things. I have sent you copy of my Driver licence, Social security already I will also attached them to this complaint. 

First Name : XXXX XXXX Last name : XXXX Address : is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my current and only address. Please removed all the other addresses and name that are not me off my consumer report. I also send a copy of the police report to you guys and I will attach a copy of it to this complaint. 

The following name and accounts are not mines and would like them to be removed from my report. These negative items on my report are causing me stress, humiliations, and my mental. because of these account I can not get approve for anything. I would like to have them removed from my consumer report. 

XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX  XXXX Please removed the following addresses from my consumer report. The only address that should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove the following unauthorized inquiries of my consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed any inaccurate information on my consumer report. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC Code 1681. 

XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

The Veterans Administration is responsible for paying this account. XXXXXXXX XXXX XXXXXXXX refused to provide me with copy of the original bill when I asked them in XX/XX/year>.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NE)

I attempted to make a credit card payment on my car loan om XX/XX/XXXX using the online portal. It did not accept my payment and said that my card was blocked. 

I then called a representative and she after waiting on hold for some time. After she got on the line she disconnected the call. 

I then had to call back and wait an additional 25 minutes to talk to another representative that told me credit card payments are not accepted online after being told the previous day that I could. 

Once my payment wad finally made I was told that it would still be counted against. Be reported on my credit because the payme nt wouldn't post until the next day. 

I was attempting to make this payment before the cuttoff well before the cut off and was still within time frame when I was hung up on by a representative. When the payment did process it was approximately 10 mins after the cutoff time. 

This should not be counted against me as I would have called initially if the agent from the previous day did not tell me false information about me being able to make the credit card payment on the following day online and that was never an option for me.