davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

Sofi bank froze my account right when my XXXX direct deposit from my XXXX trading company hit my account. I have reached out countless times over the past week with no solution. They are doing this to countless individuals and I now believe this is starting to get criminal. 

- They tell me I need to call a fraud hotline which leads to a voicemail line. 

- There is zero fraud on my account and the only funds are my payroll / direct deposit from XXXX- I was told the direct deposit would be returned to XXXX which is was not - No live body that can be reached via phone will help you ; they send you to the same line which tells you to leave a voicemail- I have sent 10+ emails with zero answer - Some people are telling me they have been in this situation with SoFi Bank for over a year now!

- There are countless SoFi users online talking about the same issues. Keep in mind, these are hard working people who have bills, children, medical conditions, etc..

I don't think SoFi realizes the negative impact they are causing for their users and the hardships which are coming down on these families. 

I want my money. I want my paycheck. And I want it now. 

Somebody has to do something about what SoFi is doing to their customers and they need to do it fast before more families are affected by these criminal actions by SoFi Bank!

Please help!
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2022, I sent Goldman Sachs Bank a request to validate an alleged debt that is not mine. The Apple Card account balance was showing {$1500.00} and I requested validation per the FDCPA laws and received no response from Goldman Sachs.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I am trying to re access my free credit report so that I can print a hard copy. I ran out of ink the first time and was unable to print out on the spot. Please guide me through where i need to go to put in my report # and report date.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

I made a purchase for {$6100.00} on XX/XX/XXXX. On XX/XX/XXXX I moved that purchase to the Citi flex pay plan transferring that balance out of my purchase account and into my Citi flex plan # XXXX. I made my scheduled payment of {$3800.00} effective for XX/XX/XXXX. On XX/XX/XXXX my bank notified me that the payment was to be rejected because they closed my account due to a XXXX fraud attempt. I immediately called Citi and informed them of this. I asked them what to do and they said I needed to make a replacement payment for the same amount which I did. I even have an email record from Citi stating a " replacement payment is required '' to my account. The problem is that Citi then applied this replacement payment against this flex pan # XXXX instead of my outstanding balance. This was noticed by me when Citi revised my XXXX statement and charged me fees for the returned check and interest on the standard purchase and the offer. I called Citi on XX/XX/XXXX to discuss this. I spoke to a representative who saw the issue and put in a request for the back-end team to move the amount back to the flex plan and apply the payment correctly, she said it would take XXXX days. I called early in XXXX and spoke to another representative and then a supervisor. The supervisor informed me that the representative on XX/XX/XXXX did not complete their request to the team, so no work had been completed. He said that he would put in the request and expedite it to make sure it was handled accordingly. This was not done. I called again on XX/XX/XXXX or XXXX and talked to another representative and supervisor. This supervisor assured me that he would correct the matter and to " consider it solved ''. In fact, he did accomplish something, but instead of fixing the matter, the back-end team moved all but {$27.00} of the balance of Plan # XXXX to my purchase accounts in error this caused me to incur in error an additional {$110.00} in interest. I called on XX/XX/XXXX and spoke to another representative. He explained that the back-end team was still working on the case and would in fact clean it all up and everything would be right within 5 days. I waited and then called today XX/XX/XXXX and had my worst call with a supervisor. He choose not to listen and said that everything on the recorded calls was wrong and that Citi has determined that I am at fault here and responsible. I told him there are multiple recorded calls with Citi employees advising me on what to do and stating they will correct Citi 's error, he refused to acknowledge the fact and said he would do nothing. I immediately told him I would be disputing the amount and needed the address to write the dispute to as well as informed him that an FTC complaint would be filed for failing to adhere to the laws and guidelines. He did not care and I closed my account with him and he was finished with me.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

Chime sent me an email that was said to be from XXXX XXXXXXXX XXXX requesting proof of me being me and all direct deposits made to my checking account. Well I gave them the proof they requested on 2 separate occasions. Today they closed/suspended my account. I got my paycheck today and I am not able to get it to pay my bills and care for my kids. I called chime they claimed XXXX said I didn't send enough proof which I did I asked for a number to call and speak with XXXX I was told I could only email them through the emails they sent me I have not received any responses at all still can't access my account they have stolen my money money I worked hard for money that I need to care for my kids they stole it and keep giving me the run around.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

This is an attempted bank garnishment gone WRONG! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs CHASE ORDERS & amp ; XXXX  " Transaction Specialist ". There Has been mistake after mistake made by each party. 

CHASE BANK has been illegally holding funds in my personal bank account since XX/XX/XXXX. 

CHASE provided false information on their answer to the Citation to XXXX  XXXX  on XX/XX/XXXX, and again on XX/XX/XXXX. These errors have now caused my bank account to be illegally frozen twice. CHASE 'S initial answer to the citation to XXXX XXXX showed an incorrect present balance of over {$5200.00} when there was in fact only {$1200.00} in the account. 

CHASE has issued ( XX/XX/XXXX ) an amended answer to the citation with updated present balance amounts, but this new answer shows {$0.00} on hold. There was another hold placed on the account XX/XX/XXXX and the account is still frozen as of XXXX. The amended answer to the citation should show they are still holding funds, but it doesn't. 

The initial account freeze was lifted XX/XX/XXXX due to court order resulting from A {$4000.00} XXXX  exemption. 

There is A XXXX   exemption on file that is being ignored by CHASE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( 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 XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( 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 XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXXXXXX
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (FL)

After notification of a collection debt on my records, I sent debt Validation letters to Capital Accounts 3 times. I sent one through email XX/XX/2022 and two certified mail on XX/XX/2022 and XX/XX/2022. Each time Capital accounts has failed to validate my debt. Instead, they sent a list of my medical records which I know is in direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Act. # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (GA)

I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (OH)

I opened this account on XXXX under a set of promotions listed on this website https : //partners.sofi.com/creditcard-mg-1/ ( operated by the bank in question - SoFi.com ( I have attached a PDF ). I have met the requirements for the 3 % rebate on all credit card purchases and also for the XXXX bonus as I have now charged XXXX {$1500.00} on the card. I have emailed them on separate occasions on XXXX, XXXX and XXXX to inquire about these two promotions, as well as two phone class to their support number. Today ( XXXX ) I received a email stating I would not get the 3 % because I did not go through a link on XXXX, although this link I used is publicly posted on many consumer websites, is still active, and goes directly to a sign-up at XXXX, so the bank is using it to recruit new account-holders, and apparently refusing to honor the 3 % or the XXXX. To their credit, they have posted XXXX to make up for not honoring the 3 %, but I still believe XXXX needs to honor the XXXX promotion. Again, this is the link I used : https : //partners.sofi.com/creditcard-mg-1/
Consumer complaint received 2022-06-17
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. (GA)

My identity was stolen and someone applied for a XXXX ( XXXX XXXX XXXX ) credit card on XX/XX/XXXX in my name but shipping to a different address. I have been disputing this fraudulent inquiry on my Equifax credit report since XX/XX/XXXX. I have called Equifax 18 times and mailed 6 requests for them to remove an inquiry where someone else tried to apply for a credit card in my name. I have sent the documents from the creditor confirming that someone in another state applied for XXXX card using my personal information. I filed an FTC twice and spent 2 hours at my local police station filing a report but Equifax still hasn't to remove this inquiry.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

Previous complaint number XXXX We deposited a mobile deposit check on XX/XX/22 for XXXX from a magistrate on XX/XX/22 it was taken out of my account from Wells Fargo stating it was a duplicate deposit with XXXX  XXXX I contacted XXXX  XXXX and it did not process because it was already cashed through Wells Fargo I've done 2 disputes and they continue to close them I want my money back the magistrate confirmed Wells Fargo did indeed cash this and they have the money Wells Fargo responded with sending the credit to XXXX XXXXXXXX but XXXX  XXXX did not cash that check so I need the funds put back in account it came out of
Consumer complaint received 2022-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (AL)

In accordance with the Fair Credit Reporting Act, Westlake Financial SVC : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to XXXX, XXXX XXXX XXXX from XXXX of 2018. 

My account was reported closed in XXXX of 2018 through XXXX XXXX XXXX. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-06-17
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. (MN)

Equifax is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent accounts. Equifax has claimed the items listed below have been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following items blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

I am doing mortgage shopping. I applied for pre-approval at XXXX different places within 13 days and got hit hard by it. My score when down XXXX points. It was my understanding that they show as XXXX inquiry and does n't affect much but XXXX points?
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I was victim of fraud and instead of helping they made things worse would not refund a false transaction even though I was told they would and it would show up in 2 hours it never did and put my account on hold even though all I did was report the fraud I couldnt access my money make payments causing me to not be able to pay rent car payments credit card that are on automatic payments. 
Treated me the victim like I did something wrong. 
XX/XX/28 transaction for XXXX fraud more than it was supposed to be XXXX account on hold for all funds need my money
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

Good Day, I am a XXXX  military on XXXX  in US. 
Chese Bank mishandle my funds and withdraw a " Federal Interest '' on regular basis.

I am not a subject of US taxation.

I know it all and deliberately continue withdraw money from my account without my consent. I went to the bank branch and fill out all paperwork ( Form 5 ) instead of Form 9 they insisted me to fill. Form 9 is not applicable to me, but the Bank still sent me requests to fill it out even I have nothing to admit for it. 
The Branch Banker assisted said me he does not know how to resolve " Federal Interest '' withdrawals and advised to contact IRS. IRS is unreachable by any means. Nevertheless, I have nothing to do with the IRS at this point, and the Chase Bank does not respect my rights, nor conduct due diligence in his business.

I tried several times escalate the matter over the phone, and XXXX refer me to Branch. Branch does not what to do. Secure Messages I sent coming back with the same response : to call them. So it is closed circuit, where illegal activities are ongoing. They support each other and does not resolve a simple matter even when all types of documents are provided and all forms are submitted.

They does not want to dispute transaction as they telling me they have no power on these withdrawals.

I request to refund all and any amounts withdrawn from my account by Chase Bank at any time.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (AZ)

I, XXXX : XXXX, am a federally protected consumer and natural person. I have again received a notice and response from Wells Fargo that was made in noncompliance with the Cease and Desist notice as well as additional notices made prior thereof. 

As it currently stands, I have sufficient evidence and reason to believe that under direct violations of 15 USC 6801, GLBA, 15 USC 1681s-2, and other FCRA binding laws, WELLS FARGO BANK N.A . IS CONSPIRING TO COLLECT A DEBT THROUGH THE USE OF EXTORTIONATE MEANS BY FURNISHING NEGATIVE INFORMATION TO CONSUMER REPORTS AS PUNISHMENT FOR NONPAYMENT THEREOF. 

Please note the attachments, including an FTC report, Wells Fargo most recent response to me, proof of negative reports on my consumer report, and a cease and desist. 
I will continue to advocate my rights as a consumer until WELLS FARGO BANK 's fraudulent claims are corrected and billing adjustments are made to reflect the correct status of the account with proper interest being applied to the account.