davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

During the month of XXXX, I received notification that Synchrony bank had closed 11 credit card accounts all at once. Their reason was because someone decided my accounts were indicative of risk. I have never missed a payment, never paid late, never went into collections on any of these accounts. I simply used the accounts and try my best to pay them in full as often as possible. Sometimes even making multiple payments per month. 

I called and spoke to a representative on XX/XX/XXXX named XXXX. He was an account XXXX. Upon review he said he did not know why the accounts were closed. He told a look at my credit and saw I did not have any delinquencies or collections. He asked about bankruptcy at which time I told him I have never filed for bankruptcy. In fact, I am in the process of buying a home and these account closures were going to adversely affect my credit. He said he would open an investigation and it take 30 days. It has been over 30 days and I have not heard anything so I called back. I spoke to another representative that could not offer any help. 

These account closures caused my XXXX XXXX to drop by XXXX points. I have since reapplied for new accounts on 3 occasions and all 3 were approved.
Consumer complaint received 2023-12-01
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. (MA)

Below is a least of acounts that where open fraudulantly on various Dates. Several credit cards I have never recieved used or signed for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-04
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. (GA)

Greetings, I have previously contacted XXXX, XXXX, and Equifax informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and Equifax are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Equifax to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
Consumer complaint received 2023-01-21
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 (MD)

I had many issues with Wells Fargo while a member. They charged high fees which came out of my account. My information was also compromised during my tenure there. A few years after I closed the account, I started getting calls and many of them from payday loan people insisting I had a payday loan that was supposedly being paid by my WF checking account, which it was not. I still get the calls periodically.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

OnXX/XX/XXXX I changed the password to my savings account at Ally Bank as part of a routine password update using a different internet browser than I normally use, but using the same computer I always use to access my account. I was asked to verify the browser using 2-step SMS verification, and was able to successfully update my password. 

On XX/XX/ I received an email from Ally Bank saying that they had locked my account due to suspcious activity and that I should call their XXXX XXXX number. So I did and explained the situation and my suspicions that the password change had triggered this. However, instead of being able to unlock my account they told me that 1 ) My account was indefinitely locked until they completed a fraud investigation 2 ) That they could not tell me what had tripped the fraud investigation nor how long the investigation would take. 
3 ) That I would not be able to access my bank account until the investigation completed and they called me back. 

They essentially provided no information has to how or why this fraud trigger had occurred and gave me no recourse or process for removing it besides answering some basic questions and then telling me they could not tell me when the investigation would conclude. I am now effectively unable to access my funds and have no idea when I will regain access. I have called them 3 times and each time been given the same line read response. I should not be losing access to this account and being given such a lack of detail into it and I need them to reopen it soon or at least provide me with a definite timeline and further context.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Citibank closed my account without giving me any reason. When I stop by the branch, I was told that I was trying to cash invalid checks which turned out to be legit checks from my employer. Citibank still closed my account and now bank is not releasing my fund immediately. I called multiple times and I was told to wait 60-90 day to access my fund. Currently all my fund is stuck in the account and I am in dire need of cash immediately. Every-time I call, I was told same answer to wait 90 days. I called at least 5 times and stopped by branch twice without any resolution. Account closed on XX/XX/2022. 

Citibank sent check for portion of the amount which was in my account when they closed it without any reason. I am still missing USD XXXX. 

I stopped by branch at least 6 times but no solution.
Consumer complaint received 2019-02-14
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: EQUIFAX, INC. (GA)

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.
Consumer complaint received 2023-01-15
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. (VA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-22
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. (IN)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. You can reach me at [ your phone number ] or [ your email address ] if you require any additional information or clarification. I am asking for your immediate assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed :. {$0.00}
Consumer complaint received 2022-10-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2022, I received an email from what appeared to be Bank of America to verify information on an online bank account submission. Immediately following this email, I recevied another email that account was opened and activated. I contacted Bank of American on XX/XX/2022 and spoke with a representative to let them know that I did not open an online account. The rep said that they did not have an account in my name. I then sent an email to the fraud department to let them know that I did not authorize the account. On XX/XX/2022, I receivegd a bank statement from Bank of American showing the account and listing the account summary. However, I did not authorize the opening of the account. On XX/XX/2022, I received another letter that because the account information was not verified, the account was closed. I contacted Bank of America on XX/XX/2022 to see what information was used to open the account in my name. After going through 3 representatives and holding for XXXX hours, I was informed that my social security number was used, but when I asked what documentation was provided to verify identity, the rep placed me on hold. I then went to a Bank of America location in XXXX ( XXXX miles from my house ) and spoke with a representative ( XXXX ). He informed me that Bank of America does not require identity verification at the time of opening an online account, but it is required once the account has been established. This practice lends itself to fraud because without initial verification someone can actually set up an account in someone else name using their information. There has recently been a data breach in XXXX with a XXXX provider, and my information was a part of that breach. XXXX informed me that they have had several customers call because they had accounts opened in their names at Bank of America as well. Again, the procedure should be that identity is verified before the account is opened.
Consumer complaint received 2023-03-10
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (MS)

On XX/XX/XXXX I received a fraud alert from Genesis FS for my Milestone credit card. I denied the payment and they placed a hold on the card. A payment to my credit card that I made to reduce my balance went through on XX/XX/XXXX. When I opened my account online their were other charges that I did not make that had come out. I am unable to log back into my account, I have called every number for Milestone and Genesis FS and the phone hangs up so I have not been able to talk to anyone or close my card.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MT)

My credit report shows that I owe Citibank {$700.00} and they closed the account. When i called customer service, several times, the representatives each said that I did not have nor have had and account and that I am not shown on any account. I was told that I should file a complaint with the credit bureaus involved. 
I filed complaints with XXXX bureaus and each determined that I had an unpaid balance of {$700.00} and the account was written off and closed. 
I had cosigned with my daughter-in-law for a card many years ago. She had removed my name and gotten a new card. My name is not on any card that is delinquent and closed. I have no idea were the company is finding my name associated with a card. 
My credit score took over a XXXX point dive due to this. I always pay my bills on time. Associates with Citibank have no idea why my name is on a card when there is no record of it. I don't even know the card or account number. I don't own it.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo was my mortgage holder and I got behind on my payments so I tried to do a modification twice but was denied both times. I had to file bankruptcy to keep them from foreclosing on my home. They kept not posting my payments to keep me behind on my payments just so they could mess up my bankruptcy process//I ended up having to file bankruptcy a second time just to keep my home. I need to know if I am entitled to some compensation from them even though I was able to struggle through to keep my home out of foreclosure.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

This is a continuation of complaints XXXX and XXXX. After USAA froze my wife 's and my debit cards. I have repeatedly tried to get them to reinstate them. I submitted my passport, my wife 's passport, my wife 's XXXX XXXX  card, and my military orders via the online account on XXXX XX/XX/2023. They received them. I followed via phone on XXXX XX/XX/2023 and the customer service agent informed me that they have everything that they need but he needed to transfer me to someone else who could reinstate my account. That person asked me a series of questions regarding my income, etc. and said she had everything that she needed and said that my cards would be active immediately. I asked again to make sure and she confirmed that they could be used immediately. I told my wife 10 minutes later and she tried to make a purchase and it was rejected. I tried to make a purchase on my debit card on XXXX XX/XX/2023 and it was also rejected. 

I called USAA customer service again on XXXX XX/XX/2023 ( XXXX XX/XX/2023 where I was calling from -- I'm stationed in XXXX ). They informed me that the cards were still suspended. I asked why I was told they were reinstated and she had no answer. I asked her if the government documents were not enough and she did not answer the question other than to say other information is needed. I asked her what and she said income information for my spouse. I asked for documentation referencing law or regulation stating that she needs more than the government identification that I already provided and said they already sent a letter. I already received that letter but it provided no details and what she told me on the phone news to me about specifics. By the way, that letter was generated after my call on XXXX XX/XX/2023 and my submission of mine and my wife 's government identification documents but seems to have been backdated to XXXX XX/XX/2023 to appear as if I was informed prior to the freezing of our cards. 

The agent claimed that we needed to go online and answer questions. I told her that my wife and I wasted enough time already dealing with this ( it's been almost four days and counting that our cards have been frozen ) and told her I was filing yet another complaint on CFPB. I also told her that I'm the only one with income in the family and gave the information about my income to the person I called on XXXX XXXX. 

Following the phone call I submitted our taxes that we just filed showing our income and sources of income. I am eager to find out if USAA will reject that along with the identify documents we already submitted and claim that we still need to go on some portal. I am taking note of each call and will be exploring options for a civil suit since they are dictating what government documents and confirmation they will accept and how they will accept them, which has no basis in law or regulation.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (WA)

Today, XX/XX/22, I received a credit report alert from my primary banking institution, XXXX. When I opened it up, I saw that I had a delinquent XXXX XXXX XXXX account to the tune of {$21000.00}. I have never opened any account with XXXX XXXX XXXX, so I was immediately alarmed and called XXXX, who connected me with XXXX to report the fraud. XXXX suggested I file a report with the XXXX which is what I am doing here.
Consumer complaint received 2023-06-13
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. (OH)

According to my research about FCRA 605, Equifax and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/2022 XXXX XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (SC)

Someone stole my identity and open another account in my name. I spoke to one of the workers at the bank but I'm still getting emails with the bank account information, in this was in XXXX. 

My account was was charged overdraft fees excessively in XXXX
Consumer complaint received 2023-06-13
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: Spring Oaks Capital, LLC (TX)

I requested in my Validation letter dated XX/XX/XXXX which Spring Oaks Capital LLC fail to validate all of my request. Spring Oaks Capital LLC sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, XXXX XXXX XXXX obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by Spring Oaks Capital LLC that bares my personal signature. Spring Oaks Capital LLC did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a Bill of Sale that shows XXXX XXXX XXXX the Seller of my private and personal data. And Spring Oaks the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.