davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

This bank has no way to stop automatic deposits I created. For this reason, I closed my account over a month ago. When I call, they say that my account is, in fact closed. They assured me that the automatic deposits would not be made and the funds would not be taken from my other account. They won't stop the automatic deposits, and the funds were taken from my other account ( as I told them over the phone I was concerned about ). They kept saying it would not happen, but it did. Now I have had a bounced check due to this on my other account and owe {$50.00} for a returned check fee. Refund the automatic deposits, reimburse my returned check fee, STOP TAKING MORE FUNDS OUT, and CLOSE MY ACCOUNT FOR GOOD.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Citibank is Terrible I received a text message on XX/XX/XXXX at XXXX XXXX  regarding fraudulent activity. 
I called the Citibank Fraud department on XX/XX/XXXX at XXXX XXXX and was on the phone with them for 10 minutes ( I have the phone records ). I expressed to the representative that the attempting XXXX transfer was  NOT authorized. I said " do not allow the transfer. '' I realized on XX/XX/XXXX that {$1000.00}. XXXX was transferred to someone whom I do not know and specifically asked not to allow the transaction. I called on XX/XX/XXXX to file a claim with Citibank and it came back a few weeks later, denied. I then filed for an appeal which also got denied. I would like to be refunded my {$1000.00}.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2018-09-05
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: WELLS FARGO & COMPANY (MI)

I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and Wells Fargo is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with Wells Fargo and all I would like for the account to be removed.
Consumer complaint received 2023-09-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

There is information that is on my consumer report that a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction by me as the consumer. 

XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the day of this notice. I look forward to your response. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX 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 2023-12-13
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-05-09
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. (AR)

I sent a letter to remove ( personal information, address, accounts name & account number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX XXXX  XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , FL XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX , XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX Open Date XX/XX/XXXX High Balance {$15000.00} ; Us Dept Of Ed/XXXX XXXX Open Date XX/XX/XXXX High Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Current Balance {$860.00} ; XXXX XXXX XXXX XXXX Current Balance {$3800.00} ; XXXX XXXX XXXX XXXX Current Balance {$2400.00} ; XXXX XXXX XXXX  XXXX Current Balance {$730.00} ; XXXX XXXX XXXX XXXX Current Balance {$1500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; Us Dept Of Ed/XXXX  XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Current Balance {$5300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX .
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am have been currently active in reviewing my credit history and have found accounts in collections handled by XXXX XXXX XXXX which are not accurate nor mine. I have tried asking for documented proof or other identifying proof and the company checks off their database but provides no transparency to myself. 
Ive yet to receive one call or even one letter, no notification has been made to me that I owe on outstanding debts held by them, and yet it is stated on my report. 
Under the FCRA laws I have petitioned documentation and verification of my data, I have petitioned that this be validated to me as well as the manner of such reporting. 

No account number is listed so there is nothing I can reference beyond what is stated in this query. 

I have asked numerous times that this result, which I believe to be a mixed file issue, be resolved. I have yet to have any due diligence or compliance from the company and need help.
Consumer complaint received 2023-12-13
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (OR)

I opened an investment account with Robinhood I transferred them the money direct from my checking account for {$10000.00}. On the about the first part of XXXX they called and asked me a bunch of questions and I provided them with my personal information including a picture ID. This keep happening they have called me several times with the same questions along with each time they call they change the date when they will activate my account. I am unable to make investments or to close my account.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent a letter to remove ( personal information, address, accounts name & account number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , FL XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX , XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX  XXXX Open Date XX/XX/XXXX High Balance {$15000.00} ; Us Dept Of Ed/XXXX XXXX Open Date XX/XX/XXXX High Balance {$12000.00} ; XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Current Balance {$860.00} ; XXXX XXXX XXXX XXXX Current Balance {$3800.00} ; XXXX XXXX XXXX XXXX Current Balance {$2400.00} ; XXXX XXXX XXXX XXXX Current Balance {$730.00} ; XXXX XXXX XXXX XXXX Current Balance {$1500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; Us Dept Of Ed/XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Current Balance {$5300.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX .
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX, I was notified about two Fraud attempts on my Chase Freedom Credit Card. My online banking was suspended. I was told I needed to verify my identity in person at a branch with two forms of identification. I spoke to XXXX and XXXX about the credit card attempts and informed them it was not me. 

XX/XX/XXXX, I noticed checks were deposited on my account but they were not deposited by myself. They seemed to look similar to my payroll checks from my employer but not authenticate. I also noticed quickpays out of my account that were not done by myself. I called Chase and was told once again that I needed to go to a branch with two forms of identification. That morning I went to a Chase branch, closed my checking account and opened a new one like the representative advised me on the phone. I filed a claim about the checks and quickpays. 

XX/XX/XXXX, I received an email that I needed to verify an external account that was added to my account. I went to the bank again who told me it was on the old account and that the notification was in reference to the quickpays. 

XX/XX/XXXX, I was at a Chase branch when I found out my bank accounts were frozen and it became a deposit only account. I had to cash a payroll check to make sure I had access to funds. 

XX/XX/XXXX, I went to the ATM and saw I only had XXXX XXXX dollars in my bank account. I spoke to a banker and was told my claim of {$3700.00} was still pending but received a credit XXXX XXXX dollars was added to my savings account which was still frozen. 

My complaint is that someone other than myself had access to my online banking. Chase has done nothing but failed me. I have been a customer for over ten years and I have worked in customer service before which knows how I should be treated as a customer. I'm clearly a victim of identity theft and feel like Chase has treated me as a criminal. Someone forged my signature, deposited counterfeit checks and did three quickpays which seems like this has federal crimes all over it. I just want my money refunded to me which was in this case stolen from me via using my online banking account.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (TX)

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. 
Below I have provided the inquiries from each credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I was contacted via email by a XXXX regarding a job opportunity via the rotary club working for an XXXX XXXX. The job opportunity involved working as a personal assistant purchasing items for foster homes and aiding XXXX XXXX in her humanitarian relief. I reached out to accept this opportunity and I was contacted by XXXX XXXX via email at XXXX. She established contact and gave me a list of supplies the homes needed. She then sent me a check for {$1000.00} to use for these purchase. After this she reached out and told me the foster homes were in need of cash and she needed me to send {$990.00} to one of the homes. She sent me another check to make up for this and I did not think anything of it. I sent the money via XXXX to a XXXX XXXX at XXXX. A few days later my account with Bank of America was closed due to fraudulent activity. I was cut off with no money as a college student away from home. I was confused and frustrated because I did not realize I was being scammed until this occurred. I contacted the bank and filed a fraud claim to get the account resolved and my money returned. The bank barley asked for any information and if they did ask for anything it was typically all vague. The never received any files on my end regarding the situation. They asked for names and that was it. Unfortunately the account closure was final and I could do nothing to change it. My account was closed and I was left stranded with no funds. As for the funds I lost being recovered the fraud and claim department could not offer me a solution after an investigation. My account was closed and I did not receive any money back after the fact. I feel as if it was grossly mishandled.
Consumer complaint received 2023-05-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of america holding up a sale of a property that they once held the morgage too. 

since it was a home purchased though the VA, bank of america was required to provide a deed of conveyance back in XXXX sadly they never did and after paying this house off, i cant sell it. 

i been advised to hire a litigation lawyer as this problem is now going 6 weeks before i do that, i thought to contact bank of america to see if i can get them to provide what is needed, sadly all i get is dead ends. 
with no end in sight
Consumer complaint received 2021-05-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I was in the process of getting a loan modification, but the wording on my divorce decree read " Member will refinance property ''. Since it was a modification and not a refinance they said i can't continue with the modification unless I get the wording changed on my divorce decree. I was finally able to get my ex spouse to agree to the wording change and now Carrington mortgage is saying that I don't qualify because I had a modification within the last 2 years with them. This is not true, because the loan was never modified. After the modification process stopped Carrington mortgage stopped accepting my mortgage payments.
Consumer complaint received 2023-05-09
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: SYNCHRONY FINANCIAL (FL)

Hello Last year 2022  I requested program to be developed on upwork by a freelancer on there platform which started working and charging me for it mean while all I was receiving where codes screen shots from upwork On XX/XX/2022 I received a email from upwork informing me the the XXXX was under investigation for fraudulent activity but that I had nothing to worry about since he could not withdraw the funds from His account On XX/XX/2022 I received another email telling me that my contract had been successfully completed and that the XXXX was being band from upwork and his account closed to which I replied by telling them that I had not closed the contract and had not received the work that I had already paid more then XXXX for I have since started multiple disputes with everyone involved from which I have been able to recuperate most of my money The remaining balance is for XXXX from synchrony bank credit card which I have disputed more then 3 times and they keep siding with upwork all of them knowing that I got charged for something I never received they are all robbing me
Consumer complaint received 2023-06-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX