davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

I opened an account with Citibank on XX/XX/year> online I open a checking and savings. I met with a banker on XX/XX/year> to go over my account etc I deposit my XXXX check thats court ordered and I had a direct deposit hit me account on Friday XX/XX/year> I get a call from my XXXX  at XXXX on Friday XX/XX/year> she called and left me a msg I call customer service they transfer to me to the fraud prevention dept I am now being told my deposit are under review and so is my account all the review about this bank say they do this everyone this makes no sense to hold funds and then review deposit etc
Consumer complaint received 2024-09-11
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. (TX)

on XX/XX/year> i notified the legal department of XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XXXX Called fraud department of Citizens bank XXXX XXXX ( She XXXX said after a police incident was forwarded to them that I file a police report and I said what? I have the transmission of the fax sent that had the police incident report of the scammer ). 

They said they sent monies to me which where scammed from my financial institution of XXXX XXXX and Citizens Bank from May 15- 2024 until XXXX XXXX approximately {$3500.00} from XXXX XXXX and {$4700.00} from Citizens Bank in which XXXX XXXX account was linked to Citizens Bank. ) I did not receive ( I have No access to receive wired monies and they claim I knew and did this with all phone transactions etc. and how I said? There response XXXX at XXXX XXXX at same number XXXX. ) any monies I told them at citizens bank by phone and I said the scammer did this to me in a false identity and fraud and you sent the monies to him as I conclude from the previous caller at citizens bank named XXXX that all monies where sent to me by wire ( lAnd I said how I do not have access to receive wire monies ). I did receive any monies ( {$8200.00} ) Citizens Bank had Locked my Account before I called on XX/XX/year> that I learned of the monies scammed! I asked the the branch manager XXXX how? ( Her response ( XXXX said it was an inside job and very high up in all ) In which the Citizens Bank company ( AND ALL INVOLVED IN CITIZENS BANKING SYSTEMS AND THE SCAMMERS NEW HOW AND WHERE TO GET ALL OF MY HARD WORKED MONIES ) locked account before I learned of the scam ( Their people said it was an inside job on the phone XXXX XXXX was the name in charge of XXXX XXXX Citizens for the Customer etc. ). Please do something this is more than a PRINCIPLE that should be taken that the FINANCIAL INSTITUTIONS I LEARNED HAVE INSURANCE AND THEY SHOUKD PAY FOR THINGS NO ONE SHOULD BE ABKE TO DO ( SUCH AS STEAL MY MONIES AND LOCK MY ACCOUNTS AND TRANSFER MONIES FROM XXXX XXXX, WIRER TRANSFER AND ALL! ABD GET AWAY XXXX FREE?! ).
Consumer complaint received 2024-09-11
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. (TX)

on XX/XX/2024 i notified the legal department of XXXX XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-11
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. (MS)

I have been sending out letters and XXXX affidavits and receiving responses that Automated Verification is showing the account accurate and being told the disputes will no longer take place after asking for evidence of the original signed contract because I made affidavits in opposition because I deny the account below is my debt, I acknowledge I have no contractual agreement with XXXX XXXX XXXX XXXX. XXXX, XXXX, and Experian are telling me they don't have send me this proof of original contract when I had no contract or debt with XXXX XXXX XXXX XXXX and this account was created without my consent or knowledge and the account is fraudulent. 

I admit that I am victim of identity theft, thus filed an incident report with XXXX Police Department XX/XX/2023 case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report ( enclosed ). 

I admit that this has caused me mental distress because of humiliation and embarrassment and good standing credit accounts closed, and lowered XXXX XXXX which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ).
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-23
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: I.C. System, Inc. (PA)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AZ)

Sofi Bank put a restriction on my account on XX/XX/XXXX and on XX/XX/XXXX they sent me a false email stating that i could now use the account. They are holding my money XXXX for no reason and ive been calling every day with no resolution and no time frame of when they would " finish their investigation ''. Meanwhile I have bills to pay and they dont care. These are the letters they have sent me : " XX/XX/XXXX Dear XXXX, At SoFi, your account safety is our top priority. We are reaching out to let you know that we recently noticed irregular activity on your SoFi bank account. 
For your protection, your account has been temporarily restricted while our team investigates the nature of the activity. We apologize for the inconvenience, but during this time you will not be able to complete any withdrawal activity on your account, transfer funds, or use your debit card. 
Please reach out to us as soon as possible to review your account. You can contact us XXXX, press XXXX ', or say 'security ' to connect with the SoFi Member Security Team .

We appreciate your immediate attention to this matter to help us resolve this issue quickly. If you have already been in touch with us about this restriction, thank you, and please disregard this message. 
Best, The SoFi Bank Team '' " XX/XX/XXXX Dear XXXX, The temporary restriction on your SoFi bank account has been lifted, and all functionality has been restored. We apologize for any inconvenience this may have caused. Thank you for being a SoFi member.

Best, The SoFi Bank Team ''
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (LA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-23
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: BARCLAYS BANK DELAWARE (NY)

Barclays bank of Delaware did a hard inquiry on my credit profile without me knowing. I never gave my consent to this inquiry. This happened on XX/XX/year> XXXX
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NC)

I was tricked into thinking I was sending {$2500.00} to my friend but his account was hacked. I thought I was talking to my friend but it was the scammer. I was trying to buy his used car but it was a scam thru XXXX. I filed a police report and 2 inquiries with PNC Bank and they wont return my money or cancel the transfer to the fraudster. Its all I have and I was tricked.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (TX)

I previously sent a demand letter requesting the removal of this Collection Item that does not belong to me. I have documentation from Spring Oaks Capital , LLC and XXXX XXXX account stating that it was removed. However, they are still reporting it to the credit bureaus. Their firm has failed to send the legally required validation of this Collection Item Number. They have been notified that their actions are detrimental to me and that their firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Their firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Both companies failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Both companies communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I, XXXX XXXX, has suffered and continues to suffer general and specific damages. I am also very upset at their firm 's intentional infliction of emotional distress and at the other diminished quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as within both company 's systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions their firm is having on my life. Including but not limited to harassing text messages, phones calls, and inaccurate reporting. Thank you in advance for your attention to this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX I am writing to request an expulsion of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXXXXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX GEORGIA Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX I DO NOT recognize the following accounts above in review. I AM A VICTIM OF IDENTITY THEFT and I DO NOT recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report IMMEDIATELY! I have attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (OR)

On my credit report, there is a balance of {$4700.00} that I did not accrue for an account I did not open or authorize. This debt is now going to collections as I was only made aware of it recently. 

The account is with XXXX, and the account was opened in XX/XX/XXXX The last time I signed up for a credit card was XX/XX/XXXX and I made an intentional effort to forego credit cards I believe I am the victim of identity theft and would like this debt to be absolved. 

I did not authorize this account.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Every single item ATTACHED reporting on my EQUIFAX CREDIT REPORT is inaccurate. Per FCRA consumer laws, my reports must be accurate, or the item removed. 

I have attached PAGES FROM my credit report as of today 's date. Each item either is reporting inaccurately concerning charge-off status, payment history, balance showing as a collection, or has NOT been validated per my request in the case where the debt was sold to a 3rd party non affiliate collection agency. 

PLEASE REMOVE THESE ITEMS FROM MY REPORT.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INCLUDING EVERY OTHER ITEM ON THE REPORT )
Consumer complaint received 2024-10-25
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. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX  Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2023
Consumer complaint received 2024-08-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never received my card but theyre denying my claim on the basis that the card was delivered to my home and activated. But how is it possible that my card was activated but I never received it? I tried to call the XXXX numerous times to order a new card a the phone line was always so busy to the point where Id never get through and eventually I gave up. I didnt even know my money had been spent until about a year ago when I attempted to order a new card through BOA directly. To find that there is no money on my account.. it has all been wiped out. So the representative told me my claim has once again been denied because I waited too long. How was I supposed to know Id have to make a claim because my money was stolen? I dont even know it was gone! So when I asked for ATM footage or some proof that I spent my money, they sent me a bank statement of all the purchases. OF COURSE THE MONEY WAS SPENT, ITS NO LONGER ON MY CARD. That is not proof! Ive sent it my ID so that a proper investigation can be done and still nothing. And this is too much money that has been stolen from me to let go. And I also came across an article that employees at BOA were apart of stealing peoples money which made perfect sense because I just couldnt understand how someone was able to steal my money without my information. I know it was an inside job and I want my money back! 
Claim # XXXX Claim # XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

XXXX  XXXX applied hard inquiries on XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX When they knew and told me these wouldnt going to effect my credit as a soft inquiry but they are hard. Then they ran my credit knowing they couldnt for two years apart. This violated the fair credit protection act.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Solar Mosaic LLC (CA)

We entered into an agreement with harness solar. They told us to use mosaic for financing. After inspection prior to install, harness said our roof was perfect for insulation and so we agreed to proceed with work. Two days after they installed the panels we received an email saying that they went out of business and to contact Mosaic. Would find us a secondary installer. A year and half after mosaic still has yet to find us in installer, rains have entered our home, two bedrooms, two bathrooms, kitchen, and living room all damaged. After multiple attempts via phone call and emails to Mosaic, they stated that is not their problem but they can uninstall the panels for an extra cost so we can make all of our own repairs.it was suggested that we go after the original installer ; Who went out of business a year ago. our home is now damaged {$160000.00} worth and Mosaic will not help us but yet they want us to pay them XXXX for their solar which still isnt connected or installed properly to date. They are now sending us to collections.