davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (MD)

To Whom It May Concern PLEASE UNBLOCK XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX. PLEASE UNBLOCK SO THAT WHEN XXXXXXXX XXXX REPORTS MY INFO AGAIN, IT REPORTS ON MY CREDIT REPORT AGAIN. I NEVER ASKED FOR THIS ACCOUNT TO BE REMOVED. IT FIRST REPORTED IN XXXX BUT AFTER THAT WAS REMOVED WITHOUT MY KNOWLEDGE. PLEASE UNBLOCK. I HAVE TRIED TO FIX THIS ISSUE EARLY THIS YEAR AND WAS COMPLETELY IGNORED. I EVEN SENT A PHYSICAL LETTER BUT STILL IGNORED. PLEASE RE-INSERT XXXX XXXX XXXX  ACCOUNT XXXX. I NEVER ASKED THIS ACCOUNT TO BE REMOVED. XXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ). PLEASE RE-INSERT. CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXXXXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) account : XXXX, PLEASE RE-INSERT/UNBLOCK. IT HAS NOT BEEN REPORTING ON MY EQUIFAX CREDIT REPORT FOR MONTH 'S. THIS IS DEFAMATION OF CHARACTER, AND EQUIFAX HAS COMPLETELY IGNORED MY RIGHTS. I DID NOT AUTHORIZE THIS ACCOUNT FOR XXXX XXXX XXXX  ACCOUNT XXXX TO BE REMOVE. PLEASE RE-INSERT. UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act Convergent. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXXXXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) to current. 

PLEASE RE-INSERT MY ACCOUNT BELOW : PLEASE RE-SERT THIS ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX PLEASE RE-SERT THIS ACCOUNT BACK ON MY CREDIT REPORT. 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-11
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: CORELOGIC INC (CA)

There is a hard inquiry on my XXXX XXXX credit report that I did not authorize. 
It occurred on XX/XX/2023 and the company 's name is XXXX ( XXXX ) There is a hard hit on my XXXX credit report that I did not authorize. 
This one occurred on XX/XX/2023 and the name of the company is Corelogic Credco XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I always monitor my credit score. On XX/XX/XXXX it was XXXX and on XX/XX/XXXX it dropped to XXXX for no reason whatso ever. 
I am XXXXXXXX XXXX XXXXXXXX own my home free and clear and have XXXX debt. I pay the balance on my credit card on time with XXXX balance.
Consumer complaint received 2022-01-05
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. (FL)

I have attached XXXX accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MD)

On or about XX/XX/XXXX I received a message from Robinhood that my account was restricted. I explained to Robinhood that my husband initially accidentally uploaded his ID to the app by mistake. I was asked to upload a photo ID and a selfie which I have done XXXX times. I have also had at least XXXX phone calls but the customer service tells me they are unable to resolve the issue and have no more information. 

Robinhood is placing me under duress as they are not allowing me to withdraw my funds. and have since uploaded my ID numerous times. 

They are unable to provide me with a timeline nor have they resolved the issue. They will not allow me to withdraw my funds. 
I feel like they are stealing my life savings. 
The worst part is that they are not able to provide me with a remedy to fix the problem. Please help me to get my funds back. 
My account balance is $ XXXX have attached my most recent Robinhood statements.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (OK)

An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX & XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX & XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning with the fact that I never authorized this transaction.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (NJ)

i do not have time to even do thi.si was assessed interest by wells fargo where i have many accounts. 
i am writing this so something other than the system will help me. between medical bills, moving and my customership which is excellent i should not have to beg for XXXX dollar. i know it was refunded I also know if someone took the time they would see how i pay and keep my account. 
i do not expect to be put thru this. i want my XXXX back of interest., i will never sign a cc agreement with minumum interest charge again. I did not pay maybe XXXX doillas and now this. i do not have time or XXXX intactedness to spend time on this. i am tired of scripts. i will not use my card til this is addressed. scripts are great but getting to know customers is even better esp a good XXXX like me
Consumer complaint received 2016-05-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Ditech is reporting a late mortgage on my credit report. I have never had a mortgage or any account for that matter with Ditech. I called them to resolve this issue and was told all I can do is dispute the account on credit. I asked to speak to a manager several times and was refused. This is holding up financial matters I wish to persue. I need this taken care of ASAP.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (MO)

I took an interest deferred loan with Wells Fargo since my air conditioner died and I had to get a new XXXX, but did n't have enough money to pay for the installation. The company that installed it offered a home improvement credit card with Wells Fargo that was interest deferred for one year. If you do n't pay off the loan in the one year, all of the interest for the full amount of the loan is levied on the account, in my case, a sum of {$1700.00}. This was n't made clear to me before taking the loan. I understood that it was interest deferred for one year, but I did n't realize I 'd be penalized for the full amount of the loan, and not just the balance at the end of the interest deferred period. I have not been late with any payments and this adds to the debt remaining by 25 %. I feel it is deceptive.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

US BANK fraud department They have closed my account. I was a victim of employment fraud, after being with this bank for more than 10 years, they have been the absolute worst in every aspect of helping me. I had a little over {$2000.00} in my account prior to the fraud - it is not much I am aware but being a single mother it was my hard earned money to support my children and I. I was hired for remote work, was sent 2 checks to start up my home office. Unfortunately, this was not the case. I was taken for the money I had plus an additional nearly XXXX. I submitted all the required information, paperwork, emails, pictures, etc to the fraud department as requested. Come to find out, my claim was not fuZNlly submitted. The supervisor XXXX submitted XXXX additional documents that I originally submitted that were not submitted by the fraud department. That is 100 % a fault on US BANK, not I ( red flag XXXX ). I have called and spoken to another supervisor, XXXX, she was no help either. Basically saying I have no rights to the funds I had prior. I also had a refund of {$45.00} and some change, that they are refusing to send me a check for as they say I have no right to any funds going into the account. However, the fraud department told me they closed my account so no funds could go in or out of the account, ( red flag number XXXX ) - the only thing I am asking for is the money I had prior and the small refund. Now when I call in, I get the run around, no calls back, the managers are never available, I need help, please. I am struggling terribly to make ends meet, I have not been able to recover from the huge blow losing all my funds has caused and now they are sending the debt to collections. 
Case numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individuals dealt with, XXXX ( XXXX ) and XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX someone hacked into my bank account and did a wire transfer of a total amount of {$4200.00} from my accounts. I reported it to the bank changed accounts and the very next week on XX/XX/XXXX someone went into my new account and did another wire transfer of {$1300.00}. I report all incidents and have the print out of the first XXXX transactions but the bank said I had to file the claim that could take up to 3-5 business days. They have only returned {$2200.00} but have tried to refuse to refund the remaining balance of {$3200.00} trying to say that it was connected to my IP address and facial recognition which was not me that did it. I've been with the same bank since XXXX and have never done anything like this in the past and they are trying to decline to repay the money that is owed. It was sent by wire transfer to XXXX XXXX  XXXX XXXX  by someone named XXXX XXXX and XXXX XXXX. I've never heard of these people and if you need the other person 's info I will have to get it from the bank since they did not give me a print out. I just want to make sure I file this report because it was fraud on my account and need to see what I can do. They also have been holding our direct deposits that went to the account due to not being able to change the direct deposit to our new bank and they have held onto these funds sine XX/XX/XXXX. And its XXXX weeks later and I still have not received my check.
Consumer complaint received 2023-08-11
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX
Consumer complaint received 2023-08-10
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: DISCOVER BANK (CA)

On XX/XX/23 I placed an internet order with XXXX XXXX for five items totaling {$390.00} ( including shipping ). I canceled two items on XX/XX/23 and was refunded {$150.00} on XX/XX/23. The remaining three items were shipped and delivered on XX/XX/23. All three items showed quality control issues ( not as pictured or described, ie, defective ). Since the items are meant for display, the defects defeat the purpose for which they were intended. According to XXXX XXXX 's website, returns are allowed for any reason and refunds/exchanges are offered for defective products within 30 days of receipt. I emailed them on XX/XX/23 regarding the defects and provided photos ; they did not respond. I emailed them again on XX/XX/23 and there was still no reply. I submitted a claim to Discover on XX/XX/23 with the reason that the quality of goods or services was not as expected or advertised. On XX/XX/23, Discover notified me that they could not continue further with the investigation on my behalf and to contact the merchant directly. During a chat with Discover on XX/XX/23, the agent stated that the case was closed because they did not receive documents showing the items were returned. I replied that I could not obtain a return authorization since XXXX XXXX  did not reply to my emails and the agent said that they can not force a merchant to accept a return. I inquired about asserting claims and defenses but the agent said there is nothing else we can do for me. On XX/XX/23 I mailed a package to Discover with documentation asserting claims and defenses. On XX/XX/23 Discover replied that they received my request and we've already considered this information and could not continue the dispute. On XX/XX/23 I initiated a chat that ultimately went through two agents and two supervisors, all of whom provided the same canned response indicating that they required documentation that shows you have completed a return. I noted that I would pay the outstanding balance out of duress since it was obvious that they were not going to help me and would charge me late fees/finance charges. On XX/XX/23 I received notification from XXXX XXXX regarding a notice on my credit report from Discover ; when I checked, I saw that my credit score had also dropped. 

Per my state ( California ) 's Attorney General 's consumer credit card page, You can assert claims and defenses with your credit card company if something you bought for your personal, family, or household use is not how it was represented as being and the seller refuses to fix the issue. I provided documentation showing that I tried to resolve the problem with XXXX XXXX  directly and that they refused to remedy the problem. Discover infringed my rights to assert claims and defenses by making a remark on my credit report which lowered my score and by forcing me to pay under threat of late fees and finance charges.
Consumer complaint received 2023-08-10
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. (TX)

I am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, XXXX has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( MidWest Recovery Systems ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of XXXX XXXX before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (WA)

After a car accident I was transported to the XXXX via XXXX XXXX XXXX. The accident was not my fault, and so the other driver 's insurance was responsible for all expenses. The bill was not only paid, XXXX and my lawyer called the debt collector to tell them that. However, I am continuing to get letters regarding this debt. When I called the agency they claim that no one has every called ( neither XXXX or my attorney ) to tell them to take it off.
Consumer complaint received 2015-07-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (DE)

I am currently in a suspended forclosure process with Wells Fargo Home Mortgage. They have approved me for the federal HAMP modifaction processing and have well over estimated my income by about {$10000.00}. After sending in an appeal they denied my first appeal to review my income information and a second appeal to review the HAMP regulations according to Section 3.2 : Servicer Escalated Case Management they have refused to further review the case and are preasuring me to agree to an incorrect modification that would put me right back into a forclosure with-in months of accepting their terms.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (VA)

This company is keeping my funds in their account after I submitted multiple forms of identification and the bank statement and verified the rest of the information with them. Now they arent responding to me and I am no longer able to call them. They are not allowing me to withdrawal {$14000.00} out of my account after they terminated my account and closed it. Please help me resolve this problem.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

I have Wells Fargo. On XXXX I move into my new apartment and went to XXXX and spend {$140.00} after checking my bank account and having {$1100.00}. The next day I went into the branch and was going to take {$170.00} out my account and there was only {$65.00} in there. I track my money very good. Between both my jobs I got paid {$2900.00}. After paying bills and buying a few things I ended up with {$65.00}. I called the bank and the lady was no help. She said if every thing looked good then everything was NOT if you do the math it clearly shows there is around {$500.00} missing from my account.
Consumer complaint received 2021-05-19
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: CORELOGIC INC (NY)

Credco XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did not authorize a credit pull
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Other at fault driver hit my two week old car. I traded in damaged car. Accepted fact of damage from dealer my loss $ XXXX. I sent at fault ins company proof of loss. The dealer conspired with the insurance company and stated No damage was deducted from trade in damaged car. ( see letter from XXXX ) The insurance company refused to pay my actual loss as a result of the information supplied by the dealer..I consider this a conspericy to defraud me from my actual economic loss from the accident.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC (CA)

Hi there, The reference # is XXXX, regarding XXXX XXXX XXXX. 

This is the first time I received the letter. On which address is this debt collection about? 

Please email me at XXXX or call my land line at XXXX. 

Regards, XXXX XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NC)

I received an email " congratulating '' me on the opening of my new checking account with Chase Bank as well as my new credit card also with Chase Bank within minutes of each other. Three minutes later I received emails that stated my contact information had successfully been changed as well as the same with my email address on file. I was successful in communicating this with Chase Bank and they were able to cancel both the credit card and checking account ( with debit card ) before it appeared that any charges could have been made. Chase did verify that the accounts were indeed set up and this was not a false accusation on my part.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (LA)

IC SYSTEM INC REPRESATIVE TOLD ME I HAD AN ACCOUNT WITH XXXX XXXX IN XXXX LOUISIANA. I TOLD THEM ITS FRAUD I NEVER BEEN TO XXXX AND DID NOT GIVE NO ONE PERMISSION TO OPEN IN ACCOUNT AT XXXX XXXX XXXX XXXX LA. XXXX which is on my credit report.