davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CO)

I opened a high-yield savings account with BMO in early XXXX of this year. It advertised a daily external transfer limit of {$10000.00} and a monthly limit of {$25000.00}. 

After repeated problems early on with making deposits, including my account being frozen multiple times with no explanation, and waiting days each time for the hold on my account to be released and get back access to my funds, on XX/XX/XXXX I made my first-ever withdrawal from the account for the daily maximum limit amount of {$10000.00}. The following day, I scheduled a withdrawal of {$7200.00}, below my daily maximum limit, and clearly below the {$25000.00} monthly limit. 

I received an alert on the XXXX that my transfer had been canceled for exceeding my limit. Sure enough, the app showed my daily limit still as {$10000.00}, but my " remaining today '' limit was {$5000.00}. I used the chat feature in the app to speak to a representative. She was unable or unwilling to explain why my daily limit had been cut in half after the first time I'd ever withdrawn my funds from my account. She would only say, " You can only transfer 5k, you can not go over the 30-day limit. '' Which of course makes no sense because I wasn't close to going over my 30-day limit. 

I don't have the option of going to a branch to get my money ; the nearest branch is hundreds of miles from me. I need to be able to access my funds through their online banking. 

I feel as though BMO is arbitrarily blocking my from accessing my own money, and violating their own terms of service. I need to pay my taxes, and now I will not have the money in time.
Consumer complaint received 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WV)

XX/XX/XXXX XXXX  billion criminal and civil investigations into sales and illegal activity XX/XX/XXXX XXXX billion improper mortgage lending practices XX/XX/XXXX XXXX million failed to send homeowners required notification XX/XX/XXXX failure to pay homeowners damage XX/XX/XXXX XXXX billion for illegal activity The memo from title company, Wells Fargo, to the closing agent, Wells Fargo, detailing how to quickly close loan. Both Wells Fargo companies. 
XXXX began receiving unpaid taxes from Wells Fargo. The sellers knowingly and willingly signed a binding legal document, they knowingly and willingly lied about owing XXXX property taxes. That were actually sold due to non payment. The seller and buyer had to have knowledge of the unpaid taxes. The illegal activity and pressure and blatant fraud from Wells Fargo and the previous owners, make the contract null and void!
Consumer complaint received 2022-11-09
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-14
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: TRUIST FINANCIAL CORPORATION (NY)

I have submitted minimum 3 disputes per account below through credit karma to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}
Consumer complaint received 2023-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

I was invited to Open my Trust account at Truist Bank After making an appointment with the Bank Manager I was advised after I would recieve a call after the FINANCE TEAM has reviewed my documents. ALL of My documents are Authenticated and on County Records and I was told after I continued to call and ask why was it taking over XXXX weeks when it only takes about XXXX days for documents to be approved. The day I call and express to the Bank that I am feeling disscriminated against as I felt the same day I took My DOCUMENTS IN TO BE VIEWED I asked if there was any type of preference due to the way I was questioned about my account. 

once The treat to contact CFPB and XXXX the next day I am denied an account all due to BIGOTRY AND DISSRECMINATION AGAINST ME AND MY TRUST. I was treated with the utmost dissrespect and when speaking of the misstreatment of the Bank I am then turned away. 

I know my personal information has been used for its SOURCE DATA AND I expect this matter to be looked into and resolved as to the bigotry i experienced there will be legal actions propsed against Truist Bank. after holding and looking into my private paperwork and if it was not up to par then why would it take over XXXX weeks to say that it could not be opened? please look into this asap
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AK)

The interest on my loan was extremely high. I can not tell if they put a down payment on my deposit and everyone that was involved in my loan was fired. I just thought that was kind of odd. Can you help me?
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian is reporting a balance of {$5000.00} with XXXX account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like XXXX to send the correct balance of {$0.00} to XXXX and Experian. I would like XXXX and Experian to correct XXXX account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.
Consumer complaint received 2023-06-29
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITY NATIONAL BANK (CA)

I am writing to express my deep dissatisfaction with the recent experience we had while attempting to open a checking account with City National Bank on behalf of our company, XXXX XXXX XXXX. 

We had initially encountered significant obstacles in our endeavor, as the bank staff seemed uncooperative and insisted on obtaining access to XXXX XXXX XXXX  personal banking information before proceeding with a simple checking account application. Eventually, after much persuasion, they relented and stopped requesting unnecessary details that are not typically required for such an account opening process. 

However, we have now encountered a new hurdle that is both perplexing and concerning. City National Bank is demanding an excessive amount of personal information from multiple individuals within our company, a requirement that we have never encountered with any other banking institution. Compounding our unease is the fact that they are requesting this sensitive information to be transmitted via email, which raises serious concerns about the mishandling of confidential data. 

Despite numerous requests, I have been unable to obtain a clear explanation or the relevant policy that mandates the submission of this extensive personal information. The bank representatives have been evasive and unhelpful, providing vague responses and continually redirecting my inquiries. They claim to have sent the information, but regrettably, no attachments were included. Only upon attempting to print the PDF version of the email did I discover that an attachment was present, albeit with a file size of 0K, rendering it inaccessible. 

Such disregard for our legitimate concerns and the apparent lack of professionalism demonstrated by City National Bank have left us deeply disappointed and frustrated. We expected a higher level of service and respect for privacy from an institution of their stature. 

I kindly request that you investigate this matter promptly and provide a satisfactory resolution. Our company 's banking needs are of utmost importance, and we deserve to be treated with the professionalism and diligence that should be the hallmark of any reputable financial institution. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address our concerns promptly.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (MO)

An apartment was rented in Nevada under someones identity, but they used my name and social security number to register the electricity bill. From XX/XX/XXXX to XX/XX/XXXX the account accumulated late charges until the utility company discontinued the service. I was informed about 1 month ago that this was done without my knowledge and was identity theft and fraudulent use of my information. I have disputed the bill with the energy company, the collection agency, and with the XXXX credit bureau.
Consumer complaint received 2023-06-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (PA)

On today XX/XX/2023 I contacted Wells Fargo in reference to the update of my Loan Modification Application and why I keep getting Sheriff Sale notices from their legal counsel XXXX XXXX since Im supposedly to be out of foreclosure. Sadly after all of the required documents were sent to them they continues to play these sarcastic games asking for more documents every couple of days. And they has these pathetic customer service representatives just instigating to this matter. And every attempt to reach out to my Preservation Specialist has been unsuccessful..
Consumer complaint received 2019-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I do personal sales as a hobby in XXXX. so I had to open a paypal account. I opened a paypal account on XXXX. I approved my credit card on the same date. I made a sale on XXXX on XXXX  and received my payment. After that XXXX date I made a sale again on and got my payment. XXXX  products hold funds until customer is delivered. I added my bank account on XXXX and it was approved. paypal wanted my identity document date on XXXX sent the same day and confirmed. I made a resale on XXXX  on XXXX. Released my XXXX  funds on XXXX. I wanted to withdraw my money. and paypal closed my account without emailing me. same day from me identity document, supplier invoice and cargo information of the products I sell. i sent them all. then I spoke to a customer representative for live help. and told me to wait. 2 days later I entered my account. completely closed my account without sending me an email. paypal confiscated my XXXX dollars money. and he said I couldn't get this money for six months. how this happens. I re-entered my account on XXXX and this time he asked me for a photo of my ssn card. said the numbers should look. I sent my ssn card and ID again. these are not a bank. why he wanted to use my documents many times? and again approved my papers. but still did not release my money. I called them many times. I've e-mailed 5 times. i wrote on XXXX and XXXX. they never answered my mail. they never told me an excuse. they just confiscated my money and said wait 180 days. this is not true. and never not transparent. they confiscate people 's money. I don't want to use them anymore. and i just want my money back. XXXX dollars is a big money. I am not rich. I am a worker in XXXX. i need this money. I made expenses for these products. and that was all my money. I have no money to hire a lawyer. please help me. I did not do anything bad. i sold shoes only. how do they do this after I have approved all my documents. he has to ask for paperwork when opening an account. but paypal never does that. confirms account first. requests paperwork after money arrives and closes account. this is never true. they asked me for all my legal documents even though they were not a bank. Please help me please Paypal account XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted 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 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 2023-06-05
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: Experian Information Solutions Inc. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : 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. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B seems to necessitate the elimination of any erroneous accounts from my credit report. Can you verify the documents? There are inaccuracies present in some of the listed accounts.
Consumer complaint received 2022-11-09
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. (MI)

In accordance with the Fair Credit Reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXXXXXX Account number : XXXX 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 an account without my written consent.

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 then Records of convictions of crimes which antedates the report by more then 7 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 the information is in accurate.

This isnt not the first time, the three credit bureaus XXXX, Equifax and XXXX have violated my rights.

XXXX never responded to my certified INVESTIGATION letter I sent over 45 days ago.

This is the second investigation I have had in 3 months, one online, one via certified mail. Neither solved my issue.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (FL)

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 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, 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