davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Eastern Account System XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Collection Account Request for Validation Dear Eastern Account System : I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : Frontier - Account Number : XXXX - Amount Due : {$420.00} I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations. 
XXXX. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor. 

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided.

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

I had multiple accounts compromised. I first noticed fraudulent charges on my credit card on XX/XX/year>. I then found that my XXXX  email account, XXXX account, XXXX account, and other accounts had also been compromised. I have been taking steps to dispute, close, or otherwise freeze those accounts. The perpetrator of the fraud is continuing to attempt to login to these accounts and open credit cards using my information.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

After being a ontime, properly handled credit card account, I reached out to Citi Bestbuy Account to set up either lower APR, lower monthly payment or skip a payment.

Citi Bestbuy did not provide any real assistance and gave too many varying answers.
Consumer complaint received 2024-10-30
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: Self Financial Inc. (MA)

Dear Self XXXX, XXXX, and XXXX, I am reaching out regarding inaccuracies on my credit report associated with my Self Lender account. After reviewing my credit in XX/XX/year>, I was surprised to find late payments reported for XXXX, XXXX, and XXXX of XXXX  on my Self Lender savings account. This account was specifically opened to build positive credit, yet these inaccurate entries have negatively impacted my credit score. 

I promptly filed a dispute to receive detailed explanations and evidence supporting this late payment claim. However, despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ), it has been over 40 days, and I have yet to receive the required documentation. Instead, the account status continues to update inaccurately. According to FCRA, Section 1681i, credit reporting agencies must investigate disputed information promptly and notify the consumer of their findings. The absence of such documentation violates this legal requirement.

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, I am protected from incorrect billing. Given that I have not received a physical loan from Self Lender and only made monthly savings contributions of {$48.00}, these late payment reports appear to be unfounded and misleading. The inaccurate reporting of this account as late violates both my consumer rights under 15 U.S.C. 1681i and 15 U.S.C. 1692g, which require accurate and fair billing and reporting practices. 

I respectfully request the immediate deletion of this account from all credit reporting agencies. In light of our prior good-standing relationship, I also request the removal of any associated late fees and a correction of these inaccuracies on my credit report. I trust we can resolve this swiftly without further escalation, allowing me to continue a positive relationship with your organization. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

I open Sofi account on XX/XX/year> as they offered {$300.00} open account bonus and {$25.00} referral bonus for new checking and saving account and with direct deposit more than {$5000.00}. I received my direct deposit on XX/XX/year> and found sofi didn't classified it as direct deposit. 

I have inquired their customer service and he told me it may due to coding issue and may be fixed in the future. However, he state that it wouldn't apply to my current deposit ( {$9000.00} ) which means I can not get my open account bonus due to SoFi mistake.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

I received a collections notice from " IC Systems Inc '' on XX/XX/XXXX for a debt from XXXX XXXX for {$240.00} Not being a customer of XXXX XXXX, I concluded this must have been either fraudulent or a mistake. I sent a " This is not my debt '' letter to IC systems on XX/XX/XXXX seeking documentation of the debt or asking them to cease communications. I never heard from this debt collector again. I thought this matter was resolved. 

On XX/XX/XXXX, I found the XXXX XXXX debt of {$240.00} on my XXXX credit report and filed a dispute with XXXX ( # XXXX ). On XX/XX/XXXX I was informed via email my dispute was completed and I received my dispute results via XXXX on XX/XX/XXXX. The result was " Verified and Updated ''. 

I should mention I have been a customer of XXXX XXXX for several years but there is no evidence of any balance at that account nor have I received any XXXX related communications regarding any claimed debt. 

I contacted the XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and was told via they could not share any information about the debt. I was directed to a Fraud report website XXXX XXXX XXXX XXXX XXXX where the website indicated I needed proof of residence, proof of identity, and a police report for identity theft. I guess I will have to file a police report, where I assume I will be told I need evidence of the debt from XXXX, which they of course will not provide for " security reasons ''. 

I was also directed to the FTC, who then directed me to this CFPB page.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUSTMARK CORPORATION (MS)

This account is due to fraud remove from my report immediately Please note that you have a maximum of XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX ( a ) ( XXXX ). I am certain that you know already but please allow me to remind you that your failure ( XXXX ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for XXXX or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act XXXX XXXX ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of XXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( Transportation fede ) Date of inquiry XX/XX/year> The inquiry was not authorized ( Citizens Bank XXXX XX/XX/year>
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I entered the atm at Citibank in XXXX XXXX and was a victim of bank fraud. Several people were waiting on line at the branch where my card information was stolen. Over twenty transactions occurred on my account and Citibank did not alert me to any of the big transactions that were going on. Citibank has refunded me most of my money that was stolen except for {$4800.00} that is still remaining, I've contacted them on several occasions and was just told it's still being investigated. This is an outraged considering that most of my money has already been refunded and they are holding this last amount. Can you please advise or assist me with this matter because I need my hardworking money as this is not fair to it's customers who trust banks with their money.
Consumer complaint received 2024-11-01
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. (GA)

I have been a victim of identity theft, and my personal information was used without my consent, leading to items appearing on my credit report that I was never involved with. Following instructions from Experian, I filed a report with the FTC and submitted it, yet these fraudulent items still remain on my report.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I submitted A claim with Wells Fargo Due to some unauthorized charges on my account totaling to {$3300.00} total. The charges stem from XXXX XXXX as shown in the images below, I dont own a XXXX XXXX account nor have I ever used that company. I believe that someone stole my information fraudulently and took my money. Ive contacted Wells Fargo and gave them additional information to help with the claim but theyve denied it with no real investigation. I feel as if I was robbed of my money and they wont give whats rightfully mine back to me. I have bills and rent due I need my money Back ASAP. 

Below I Will List All Unauthorized XXXX Charges XX/XX/XXXX ~ {$200.00}, {$50.00}, {$10.00}, {$190.00}, {$100.00} XX/XX/XXXX ~ {$300.00}, {$200.00}, {$380.00} XX/XX/XXXX ~ {$400.00}, {$200.00}, {$250.00}, {$200.00} XX/XX/XXXX ~ {$370.00}, {$100.00}, {$400.00}
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I have been the victim of unauthorized transactions made on my bank account in the amounts of {$990.00}, {$300.00}, {$150.00}, {$5.00}, {$45.00} and {$270.00} totaling {$1700.00}. I have submitted this dispute regarding these unauthorized charges with my institution and they have yet to return me my money. this is extremely inconvenient as this is effecting my ability to pay bills and could make me end up falling behind on bills which can lead to a lot of other problems like me facing eviction. I Am in extreme distraught and do not know what I will do if my money is not returned to me. I was given a claim ID of # XXXX as well as # XXXX but have yet to receive desired result. I
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I was currently working for XXXX and they falsely accused me of money laundering and structuring from my personal checking account and terminated me but allowed me to keep my accounts open. They are defaming my character by putting me on the red flag list stating that I can no longer apply or work for XXXX.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ID)

A person claiming to be with XXXX XXXX XXXXXXXX XXXX department contacted me on XX/XX/year>, stating that someone in the name of XXXX XXXX has created an Zelle account with my information and was sending themselves XXXX. In order to stop this transaction, I needed to create a correct profile in my own name and send a cancellation transaction in the same amount. I had never used the Zelle service before and did not have an account currently created. They told me I would not be able to see this pending transaction because I do not have an account. The phone number came up as XXXX XXXX  on caller id. and their authentication process matched XXXX XXXX identically. They asked for my information in the same way- account number and last 4 of social. Then they sent an authentication text in the same manner that I am used to. Everything matched up. They asked me to send a code as the amount and to include the verification code from the text in the memo : XXXX. The transaction was completed moments later. Once I saw the transaction on my account, I knew something was wrong. I called Zelle, they werent able to give me any information about the transaction being due to fraudulent behavior. I called XXXX XXXX and they said the same thing. I had been scammed. I called Zelle back and submitted a claim but they pointed me back to my bank. I submitted a claim with XXXX XXXX too but received a letter from XXXX XXXX stating that my claim was denied on XX/XX/year>. I am very confused as to why nothing was done by Zelle. I have been reading that users funds have been refunded from the scammer using a new protocol- but nothing was done in this sense during any of my discussions. And now I am left to wonder if something had been done more quickly by Zelle, if I would have gotten that money back. I would like a bit more information at this point. And possibly a reimbursement for this impersonation scam through their service. My case number is XXXX
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Village Capital & Investment LLC (AR)

XXXX XXXX XXXX XXXX XXXX another % XXXX XXXXXXXX XXXX All I can say is RUN!!! Our mortgage sold to this company after buying our house and we did not get a say in the matter. We are currently looking for a new mortgage company. I am also like many of the other reviews, I wish we were able to give negative stars for this crooked company. We were told by our loan XXXX XXXX XXXX we would not have to make XXXX or XXXX payment and he would contact us to schedule the notary for sometime between XX/XX/XXXX - XXXX time frame. I hadn't heard anything so I called XXXX the XXXX to find out what was going on. I was told the Fed took a turn in the wrong direction and we weren't going to be able to close this month, and that {$2000.00} dollar payment that was due XX/XX/XXXX, needed to be paid. But hey it gets better they are willing to waive the late fee as long as I pay before the XXXX. XXXX has XXXX  days in it XXXX XXXX. Yes after dealing with XXXX we asked to speak to his supervisor, which is even more difficult to deal with XXXX XXXX. He is for sure XXXX of those that thinks he is always right no matter how many times you prove him wrong. It is my VERY STRONG opinion that both of these individuals need to be fired. If your dealing with either XXXX record everything, they are incapable of being truthful. I asked XXXX for his supervisors contact information and was told numerous times it was the owner of the company. I am a XXXX  % XXXXXXXX XXXX that has fought for this great country so that guys like this can disrespect me and my wife on the phone and talk down to us so they can make their selves look better. So now we are stuck trying to figure out how we are going to make XXXX payment, XXXX and XXXX totaling {$4000.00} dollars right before XXXX hits. Thanks guys, really thanks. I plan to post this any and everywhere I can think of in hopes it goes viral. Please help me spread the word about these XXXX and this company that continues to employ people of this caliber. I feel that the XXXX months in question should at a bare minim should be rolled to the end of the loan to make this right.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

Although, I initially tried to open a business account several years ago with Wells Fargo the account was never opened. I am receiving numerous emails regarding a Businsss Account that was never opened. I've notified the banker via email, spoke to a Branch manager in person and no one has been able to assist. Today, I contacted the Email Fraud Dept directly to escalate the issue with the Wells Fargo Email Dept.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (IL)

I saw a that IQ DATA IINTERNATIONAL reported that I owe {$2000.00} on my credit report. I do not owe any money and I have disputed this and it is still on it. I am unaware of this transaction. I have not gotten any calls about this transaction.
Consumer complaint received 2024-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (CO)

Below is a copy and paste from an email I received stating I received medical services from XXXX XXXX XXXX XXXX XXXX. This is false and absolutely identity fraud or a scam/phishing attempt. They state they are XXXX XXXX and then claim they are addressing XXXX XXXX, who I have never heard of. 

Whether by accident or intentional it was sent to my email not associated with this individual and an attempt at fraud.

Monday to Friday | XXXX XXXX XXXX  CST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX : Record Number : XXXX Credit Systems International, XXXX XXXX XXXX XXXX collector. We are trying to collect a debt that you owe to : XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt.

Our information shows : You received medical services from : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX with account number XXXX As of : XX/XX/XXXX, you owed : {$81.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$81.00} As a reminder, XXXX previously provided you with an itemized statement through the XXXX  web page and mobile application or on paper regarding your charges. The detailed information is still available for you electronically, but you may also request a paper copy by contacting XXXX XXXX XXXX  department at XXXX or XXXX.