davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CITIBANK, N.A. (OH)

Someone got ahold of my information years ago and I reported identity theft years ago. I have inquires on my report that I did not authorize. They are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2024-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (MD)

I am constantly being told that my mortgage is in default. The last letter I received dated XX/XX/XXXX indicates that I am XXXX payments behind. Prior to that it was XXXX payments behind in XXXX. 

Ive made multiple attempts starting in XX/XX/XXXX to obtain a payment history from XXXX - XXXX and to request a corrected XXXX for taxes to no avail. 

Its so frustrating that my payments are constantly misapplied and that we continue to get delinquency notices. When speaking with the agents, we are always told a different reason why our account is not correct and that the issue has been escalated. 

I believe my entire payment history is not correct. They have me owing more than I should owe due to negligence on their part.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My Account with XXXX bank was opened in XXXX, since then I never had a returned check from any items I ever deposited. On XX/XX/XXXX I deposited {$3200.00} from a XXXX emergency disbursement via mobile banking, at the time of the deposit I was not notified of a possible hold ( this is the third check from this company that I have deposited ). This morning XXXX checked my account and the money is not visible as if I never deposited it, I started chatting with the agent XXXX and she tells me the check is being held until XX/XX/XXXX, this check doesnt meet the hold req for reg cc yet they dont want to release it. I asked for a supervisor, she stated her name is XXXX and she too is simply repeating the automated message, I asked to cancel the deposit and it was refused so I can not go to XXXX to cash it and XXXX will not release the funds until the XXXX despite me being a client since XXXX with no history of problematic deposits. I even offered to send proof of disbursement.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NC)

I received a company Credit Card from Citi Bank without my permission. I called the bank to verify, and the bank confirmed the issuance of the card. However, the bank refused to share with me any information and asked me to contact my company ( the company I work for ). I contacted the Finance department at my company and they confirmed not to have applied for any credit cards ( Note : I am the solo representative of the company in the US, but I still fulfilled the bank request to ask ). The bank continued to refuse to share with me any information, and even refuse to cancel the card even though it holds my name and perhaps my social security number being attached to its application. 

I did share with the bank that the last company I worked for and had a Citi Bank card with them was XXXX XXXX. But that was 10 years ago and switched to 4 other employers after that. I now work for XXXX XXXX and I shared that with Cit Bank. I also told them we do not deal with Citi Bank, but we deal with XXXXXXXX XXXX therefore they have to cancel the card for a fraud reason. 

I am very concerned this may have been an identity theft, and that my personal information were breached by Citi Bank or some entity that deals with Cit Bank. Your prompt assistance in this would be appreciated. I need them to cancel the card immediately, remove my information from their database, and restore any damages or breaches that might have occurred without my knowledge. 

Note : Your system asked me for the Billing Address of the card, and of course I do not know it because I did not apply for this card nor did the company I work for. So I have no idea what address this card is tied to. Just FYI. 

Thank you!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (NC)

A copy of my credit report I received from Equifax and seen items that was not mine and circle them reporting that they was inaccurate. That is causing a adverse impact on my livelihood. They are reporting inaccurate outdated information address names accounts. 

XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Sent Equifax on all about XX/XX/2022 notice and a copy of 605B of the Fair Credit Reporting Act. Affidavit of Residence Affidavit of Identity Theft. And Equifax failed to do their job!
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I went to the citizens Bank to cash my cheque they said I have to wait 3 days even it's a cheque from my met life. When I go to them after 3 days the said have to wait 4 more days. When I went to there after 4 more days they said I have to wait more. They are sooo rude to me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (MA)

I have never heard of Lexis Nexis. I never " opted in '' to ANY of their products or services. I have no idea what they are and do not want to be involved with them in any way. They send me things in the mail saying they are " unable to process '' a request I made. I have made NO requests and I will not be sharing any of my personal information with them. I want this company to remove my name and personal information from whatever it is they do.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (VA)

I have reached out to Indigo several times regarding incorrect information on my account. My credit report shows that I have XXXX accounts with them. However, I only have XXXX account. In the past my account number has changed but I still only have XXXX account. I filed a complaint with CFPB once before regarding this same issue. The claim number was XXXX. This still has not been resolved. I would like this misinformation to be taken care of as soon as possible and updated to all three credit agencies.
Consumer complaint received 2024-06-12
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: Possible Financial Inc (NY)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I demand deletion of the items and information plus I demand monetary compensation if they are not removed.
Consumer complaint received 2018-04-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I purchased a pair of boots for {$840.00} from XXXX XXXX XXXX store and paid with my Bank of America Visa Credit card.After 3 times of wear boots started to fall a part and store declined to exchange or refund. 
XX/XX/XXXX after numerous attempts to resolve this issue with the storeI I open a dispute with an assistance of my Bank of America Visa dispute department hoping that they will protect me and advocate this case as I consider it a breech of warranty.The bank opened a dispute and without any investigation closed it on XX/XX/XXXX no additional information were requested from me.I asked to reopen the case because the supervisor told me that it was an error and they failed to request additional information.She reopened the case, I faxed all supportive documents and on XX/XX/XXXX I received a letter stating again that the bank can not resolve the issue.No investigation was conducted again. 
After I told that I do not have the boots in my possession and I left them with the store and I am refusing to accept repaired merchandise for which I paid {$840.00} and I am out of my money, I was told they will investigate it further.Finally I was issued a credit and the letter stated that the merchant has to respond within 60 days.On XX/XX/XXXX I received again the same letter that the merchant 's return policy is only for unused merchandise and the bank is denied any further assistance. 
I consider it a violation of the Truth in Landing act and Fair credit billing act.The merchandise is a poor quality and failed to perform and I am out of my money and trust as a customer to Bank of America Visa card for denying to protect me as a customer.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been a customer of 5/3rd bank since XXXX. Recently I have had business hardships and my account went in morbid state and was closed. I opened my account back up in XXXX of XXXX. On XX/XX/XXXX. I received my tax return that I had waited for since XX/XX/XXXX, it was released due to financial hardship. I took the check which was roughly {$12.00}, XXXX to deposit at the bank in which they told me it would be a XXXX day hold, which was fine. Later in the day I tried to access my account and could not & I was told to come to the bank and speak to a banker about my account. Which i did speedily. When I get there I was then questioned regarding my tax refund check and was told it was fraudulent. I was surprised and caught off guard with these fraud allegations. No one would give me a straight answer or look me in my face, the XXXX said bring your XXXX tax forms and documents in to verify your tax refund check. Immediately I went and printed out my documents and returned, and no one was courteous to me, the XXXX would not even come out her office to speak to me, she actually went and hid. This was very embarrassing & humiliating. I felt like this was really due to me being XXXX american and younger in age. I feel that it was discrimation due to my race. I worked very hard to provide for me and my XXXX brother. To finally get my tax refund and have to go through this is sad to me. I was told my information would be reviewed in XXXX days, and then it would take another XXXX days then it would another XXXX days to be able to access my account. Ive never felt more humiliated in my life. I understand protocol, but the way I was handled here at this bank in regards to my tax refund check is UNACCEPTABLE
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (TX)

On XX/XX/year> I opened a kraken account and verified all my information. After I was fully verified and had the maXXXX level to buy and sell, I decided to purchase XXXX using their ACH deposits. I had no issue depositing the first {$15000.00} and then withdrawing it. Then I did another {$15000.00} deposit but this time when I was going to withdraw, kraken block my account and I contacted support and ask whats wrong. They said they needed more information, and they told me to write on a piece of paper with all the necessary steps and a selfie holding my ID. I did all that they ask but then they closed my account down while my funds are still in their possession. Not only that, that took another {$6000.00} from my bank on XX/XX/XXXX after my account with them was closed. Then they replied to me saying I needed to provided my bank statements. I told them that the bank statement for this month has not generated yet and I could not provide that and also thats too personal. It has all my banking information and I dont feel comfortable. They said after XXXX of the XXXX  they would response. Its been over 3 days now and I have not gotten a response. They are currently holding {$15000.00} of mine and charged another {$6000.00} and wont reply to me. I did nothing wrong
Consumer complaint received 2024-06-11
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: GOLDMAN SACHS BANK USA (TX)

I have contacted Marcus Goldman Sachs in regards to a account that was opened under my name with their company. I have provided multiple documents in regards to this issue. INCLUDING a police report from XXXX, that I have went out of my way to receive again, from when my vehicle was broken into in the city of XXXX and not only were my personal items stolen but my my XXXX wallet including all of my personal information were stolen as well. This incident has been documented with the XXXX police department and even my auto Insurance.

I have provided documentation of that incident and also documentation of a recent police report filed once I became aware of closed fraudulent account reporting on my credit profile.

Marcus Goldman Sachs has not only failed to keep me updated on the status of the cases I have put in with in regards to this horrible situation but also have handled this situation carelessly. After all the governmental documentation sent over to help with this fraud and identity theft committed against me when my information and items were stolen in XXXX  they have still neglected to remove me from connection to this account. 
They have failed to communicate with me properly or even provide evidence of there validation making me liable for this fraudulent account. 
The way this has been handle is very unjust, I feel discriminated against. I feel defamation of character.

According to the fair credit reporting act when a consumer reporting agency prepares a Consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I am a victim of identity theft and I never opened this account under account number # XXXX You are now in violation of FCRA code 605B stating to Block of information resulting from identity theft [ 15 U.S.C. 1681c-21 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- appropriate proof of the identity of the consumer.

a copy of an identity theft report.

the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

A credit card was opened in my name and came up on my credit report. This account was opened without my knowledge or consent I disputed it through XXXX and the dispute came back accurate but I am postive this card does not belong to me
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MN)

I was hacked. Hackers bought XXXX gift cards in my name to XXXX eats. The gift cards have not been used, with full balance remaining. Affirm will not support me n insist that I pay for the fraudulently bought unused gift cards.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (GA)

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : Consumer Portfolio Services XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NM)

This dispute happened with Chime mobile banking. On Saturday the XXXXXXXX XXXX XXXXXXXX my wallet was stolen from my car. They proceeded to use my card at XXXX for XXXX separate transactions. XXXX was for XXXX and the other was XXXX at XXXX and XXXX. I could not file the dispute until Monday XX/XX/XXXX when the transactions settled. They denied my dispute XX/XX/XXXX @ XXXX. Claim number XXXX. Despite that I had included my police report case number.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I have a business checking with JP Morgan Chase. I deposited my funds in a check made out to my business XXXX XXXX XXXX in the amount of {$10000.00}. They restricted my account and when I called to get funds verified to be released they wanted to call maker of check when maker was called it had gotten verified. But when I had spoke with representative they told me they need to leave a note for the back office to release my funds call back in two business days. But I wanted to make sure they did their job properly so I called back later that day and another representative told me that there are no notes left to have my account unrestricted and that my funds will not be released. So I called back on XX/XX/year> which is next day I spoke with supervisor she told me everything was verified but my account will be closed still even though I did nothing wrong and my funds will be sent out. To make sure this was accurate I called back XXXX hrs later and its a whole different story again they were telling me that my funds will not be released and my account will be closed.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (NJ)

Credit karma is inaccurately reporting XXXX hard inquiries on my XXXX credit report. I contacted XXXX and this is confirmed inaccurate. XXXX is reporting XXXX hard inquiries. I want this to reflect accurately on credit karma as I have tried to contact support numerous times without avail.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CITIBANK, N.A. (MI)

XX/XX/XXXX. I found out from Citi Bank that as an XXXX I was placed on their " XXXX XXXX list '' from an XXXX  I completed in XXXX. I was told by XXXX XXXX XXXX, XXXX that I needed to submit numerous new XXXX for review. I emailed these reports to her in XXXXXXXX XXXX XXXXXXXX, and I never heard back from her as of XX/XX/XXXX. In the interim I emailed her several times @ XXXX for an update and again no response after she stated to me in a letter that using that email address would expedite the review. This delay has cost me thousands of dollars in XXXX  fees from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been unfairly targeted from Citi Bank as XXXX XXXX XXXX XXXX, XXXX said she didn't even know why I was excluded in XXXX.