davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WA)

I received an email from Wells Fargo on XX/XX/2021 stating that my Wells Fargo card has shipped. I thought this was a phishing attempt, so I forwarded the email to XXXX and deleted the email. A few days later I continued to receive emails from Wells Fargo with welcoming instructions for a new checking account that I did not open. I then proceeded to call Wells Fargo on or around XX/XX/2021 to report potential fraud activity with a checking account I never opened. After speaking with the Wells Fargo fraud department, the representative stated that they did no see any new accounts open under my name and social security number. Later that day I was informed that a debit card had been shipped to my residence showing that a new account was opened in my name, which I did not open. On XX/XX/2021, I called Wells Fargo back to get ahold of their fraud department, which I finally did. The representative I spoke to stated that two checking accounts have been opened in my name within a week and half. He said that the accounts would be frozen during their investigation. He also stated that I should place a freeze on my three credit reports to ensure no further fraud could take place. He also stated that I would receive a fraud packet in the mail with guidelines on protecting myself and the steps to take to avoid further fraud. 

I then placed a freeze on my three credit bureaus and waited for the packet in the mail. After nearly a month of waiting, nothing came in the mail. I then walked into a local branch to discuss my situation with a branch manager. The branch manager stated that Wells Fargo as seen an exponential amount of new checking accounts opened within the last two months and they were rapidly exploring why. I stated that it seemed Wells Fargo was opening accounts frequently to boost quarterly numbers as they have done so in the past. One thing to note, I was previously a Wells Fargo customer. I closed all accounts about seven years prior to this new checking account being open. The branch manager said that they keep all customers data on file forever. The branch manager went on stating that they think a vendor could have leaked data which allowed new checking accounts to be re-opened. The branch manager said I should have received a fraud packet in the mail by now, which after nearly two months, I have not. 

I am in the process of opening some retirement accounts and purchasing a new vehicle. Since I have frozen my credit bureau accounts, it is becoming difficult to do so. This has cause an increase in stress and frustration that should have been avoided if Wells Fargo had better security measure 's in place. Keeping customers data forever should not be allowed and should be expunged after " x ' amount of time.
Consumer complaint received 2021-12-10
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: Fleet Financial, Inc. (TX)

I was checking rates online for auto refinancing which clearly states No credit pulled. I spoke to a XXXX with ilendingdirect.com reassured me that no credit pulled for checking rates. I havent applied with banks or any financing company. I received an email from XXXX saying they completed my dispute that I filed on another company. When I logged into my account I noticed my credit score dropped XXXX points and I know it wasnt from the dispute because I was disputing an account that had a balance that should have been closed with {$0.00} balance paid on time. I had paid off several accounts on last month which brought my score up over XXXX points bringing to almost perfect score. I havent had any inquiries since this past summer. I noticed one inquiry on XX/XX/XXXX from a XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Arizona XXXX, ph # XXXX ( per credit report ) which I havent applied and they should not have any of my information or any application completed or signed by me to do a hard or soft pulled. XXXX with ilendingdirect stated that our conversation was recorded so if the recording is played you will here me asked XXXX several of times to not run my credit. XXXX reassured me that he did not run my credit! I did not give XXXX  XXXX XXXX permission to pull my credit! XXXX had given an option to call or email but theres no email address provided. The phone # provided for the credit union is to report lost or stolen debit cards or someone with an bank account. I dont have an account so Ive tried to resolve this issue.
Consumer complaint received 2021-12-10
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. (LA)

XXXX XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate XXXX has already removed this account due to error
Consumer complaint received 2021-12-10
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)

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like these inaccurate information to be removed. 



IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN EQUIFAX ONLY XXXX XXXX XXXXXXXX XXXX IN XXXX AND EQUIFAX ONLY XXXX I would also like these inaccuraXXXX information to be updated XXXX 



IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX ONLY XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I surrendered a rental property back to the mortgagee in 2012. The property was charged off rather than foreclosures and sent to a collection company. They attempted to collect on the debt and it was later purchased by another company who also attempted to collect. It was later charged off after several years. The property itself was demolished by the city because of it being in poor condition. However, the city is still assessing me property taxes since it is in my name. I tried donating the lot to the city in order to erase the back taxes but there is still a mortgage on the property. The mortgage company wants to pay {$1000.00} in order to release the lien on it so it can be donated.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (SC)

Recieved a {$75.00} gift card as a XXXX present for a dinner. Due to the pandemic I was unable to use the card for its indended purpose for a dinner. Called the number on the card XXXX them due to the pandemic I had been unable to use the card for its intended purpose for a dinner and when I checked it there were charges on it. They told me the {$22.00} charges on it were an inactivity fee and there was nothing they could do about it. 
I thought this kind of taking money from a gift card had been stopped years ago. Very disappointed with TD Bank. I'll be closing my brokerage account with them.
Consumer complaint received 2022-07-05
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. (TX)

1.Account Name : rent XXXX XXXX Account Number : XXXX Amount : 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 a account without my written instructions
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The EquifaxCredit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX - XXXXXXXX XXXX  XXXX XXXX Balance {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$810.00} XXXX XXXX Balance {$150.00}
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: White Jacobs & Associates (GA)

I hired XXXX XXXX to assist me with correcting items on my credit report that I did not believe to be accurate. I paid this company over {$1500.00} in fees. The agreement was that they were suppose to get these items deleted. Prior to contracting with them, I paid off my creditors and many of the accounts were removed. I received letters from the creditors indicating this. Some of the accounts were removed because they were fraudulent. I worked with the creditors to resolve the fraudulent accounts. XXXX XXXX was unsuccessful in aiding me in cleaning up my credit. I have given them over a year and I still have many many accounts still listed. They did very very little. Most of the items that have been corrected was because of work I did. They have been sending form letters to my creditors and the creditors sent me letters indicating the dispute letters provided by XXXX XXXX was insufficient. I was charged up front for credit repair services and did not get what I paid for. I fulfilled my end of the contract and they did not do what they were suppose to do. Whenever I received updates, I sent them. They have not worked on my file since XXXX when they were suppose to be actively working on it. They have a money back guarantee and when I inquired about it, they refused to honor their own guarantee because misleading information about the work they did was considered. Please investigate this company.
Consumer complaint received 2022-03-26
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. (TX)

After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Purchased a condo home in XXXX, VA after a period of loan processing with lender XXXX XXXX XXXX, in or near XXXX XXXXXXXX, Virginia. This loan utilized a VA Home Loan. Based on frequent communication between my loan officer XXXX XXXX, and my insurance broker, XXXX XXXX of XXXX XXXX Insurance, and myself, I purchased a hazard insurance policy that met both my, and my lender 's requirements. I was advised by my lender, that their requirement would be to escrow this cost for the first year. I was advised a few days before closing, that my lender 's common practice was to re-sell mortgages in the short term after closing on the purchase was complete. After completing the a pre-closing advice session with a local closing attorney, XXXX XXXX, I completed the closing documents with his firm, obtained my keys, and took occupancy the same day and established my primary residence. A few months later I was advised of a change of servicing as my mortgage had been purchased by a BB & T Bank, which was itself in the process of being purchased by a financial company called Truist Bank. 

I had a similar issue arise around one year ago, which was considered resolve, XXXX complaint # XXXX. 

But I received a letter today, instead indicating that the company wished to again modify the requirements for my loan, by requesting I obtain additional coverages for my mortgage/hazard insurance beyond those required by the Original Lender and mortgage agreement. I have maintained my insurance coverages with my local insurance agent, XXXX XXXX, and have not made any reduction to my coverages. Yet my new company, wants me to take on additional coverages to comply with their own requirements.

I did not originate my loan with their Truist Bank, or its purchased Banks BB & T nor SunTrust Bank. I do not believe that BB & T purchasing my mortgage, nor Truist Bank by proxy as the purchaser of BB & T Bank, should be able to insist upon new terms to my mortgage. They purchased the mortgage as an asset, and should instead be maintaining the original agreement and requirements set by the Original Lender, XXXX XXXX XXXX. Upon review of the CFR, section, Force-placed Insurance ( 12 CFR 1024.37 and 12 CFR 1024.17 ( k ) ), I see no provision which allows for the company to require greater coverages beyond those required at loan origination.

But it deeply concerns me that what seems to be a clear over-reach by their mortgage department, to offset some unknown variable of risk, that did not concern my original lender, will potentially result in an increase to excessive amounts held in Escrow.

I am hopeful that this may merely be caused by a lack of proper records keeping by the bank during their merger and acession into suntrust bbt and truist. 
But I again find myself unable to find an adequate answer by contacting the call center.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA (OK)

XXXX didnt publish my add, and will not allow me to refund my {$3200.00} balance. It says I need to request it through Apple Pay, but Apple refuses to refund it back to the Apple Card. Both these large companies are holding my money and neither will refund and theyre just pointing at each other. I just want my funds back since they wont give me the service.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MI)

I recently opened an account with Citibank on XX/XX/2021. I attempted to transfer {$4000.00} from an external account on XX/XX/2021 but for some reason the transfer failed. Citibank keeps attempting to deduct {$4000.00} from my current balance. Everyday the balance is something different ; for example on Sunday XX/XX/2021 the {$4000.00} was missing from my account. On Monday XX/XX/XXXX it was there, and on Tuesday XX/XX/XXXX, it was missing again. The balance changes without me doing anything. I called a representative on Sunday XX/XX/XXXX and he blatantly lied to me stating that my money ( {$4000.00} ) would be at the external account by Tuesday XX/XX/XXXX ( this has not happened ). Moreover he tried to shift the problem at the other account when the issue clearly exists with Citibank as the balance changes every day. It is quite traumatic to notice {$4000.00} missing in your account and no one can seem to help from that institution.
Consumer complaint received 2021-12-10
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. (IL)

Fraud somebody used my identity and now I have 4 inquirys on my report I didnt make. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There are auto loan inquiries reporting on my credit report and its so many. I tried to call them but the companies were so nasty and saying theres nothing that they can do they deal with third party. I never applied for any car loans and it has destroyed my credit. I worked so hard with my home and trying to keep everything paid during the pandemic and here goes these inquiries that I did not authorize showing up. from many companies like XXXX, XXXX 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. Also the three Credit Bureaus are not updating my credit score properly, I had a 99 % -100 % pay rate and debt to ratio have been where its suppose to be and I have never obtained a 730 + credit score even with me owning my own home and paying off vehicles. Even while being a victim of Equifax fraud victim, they still have not updated me on the status of my compensation on that issue.
Consumer complaint received 2021-06-14
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 — Investigation took more than 30 days
Company: United Revenue Corporation (TX)

I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I went through the process of adding an external bank account to my Citizens Bank online profile in order to be able to transfer funds. The first time I tried to authenticate the account, it did not work. The second time was successful and I received notification that the accounts had been successfully linked. On XXXX XXXX, XXXX, in good faith, I transferred {$3000.00} from my Citizens Bank account to my linked account at XXXXXXXX XXXX. Citizens Bank immediately ( the same day ) suspended my access to XXXX XXXX. Rather than returning the funds to my Citizens Bank account, they held them and did not return them until I wrote them a very irate complaint letter ( I do not have the date, as it was sent through their website ). The funds were returned to my account on XX/XX/2021. Over and above the atrocious customer service, this policy seems to me to be suspect. If Citizens Bank is, in this way, giving themselves unapproved access to customer funds for an unspecified amount of time, they are in a very good position to profit by using customer funds in a way that I can not imagine can possibly be legal. 

The week before this occurrence I had spent XXXX hours on the phone with Citizens Bank trying to resolve a transfer issue. In accordance with their policies, bank managers are not able assist with online issues and customers have no choice but to sit on hold for egregious amounts of time. 

Despite repeated attempts to elicit a response from XXXX XXXX at the Office of the Chairman at Citizens Bank, she has been ignoring my communications and my access to my linked bank account at XXXX XXXX is still blocked.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

Had a dispute with Sychrony bank concerning a {$160.00} Amazon credit account, received an e-mail clearing me of this error on their part. Today. When I checked with XXXX XXXX. both XXXX and XXXX had dropped approximately 80 points due to Sychrony bank filing a {$160.00} past due notice.
Consumer complaint received 2021-08-25
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. (CA)

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A week ago, I applied for a mortgage pre-approval at XXXXXXXX XXXX  which ran credit check using all 3 credit reporting agencies- TransUnion, XXXX and XXXX. Since then I have been getting an unsolicited calls from mortgage providers. Today, I got a call from XXXX XXXX and I was directed to speak with XXXX XXXX ( XXXX ). When I asked how did he get my contact details, he said TransUnion shared my contact details stating I might be interested in getting a mortgage. 

I told XXXX that I was just testing waters and not really interested buying a home in the next 6 month due to uncertain environment ( high inflation, rising rates ) we are in. He then said he would call once every month. When I said I would call him instead if I want to get a mortgage, he said he would call once every two months. He doesn't understand that I don't want to be called again. 

I never opted-in for my personal data to be sold and TransUnion ( and anyone else ) who is selling personal details without end user consent is committing egregious outright theft and breach of trust. 

Please instruct credit reporting agencies, specifically TransUnion, to stop selling users information ( contact, financial and what products users might be interested in ) without consent with third parties.