davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
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: OneMain Finance Corporation (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (CA)

Following up in regards to : PRIMARY CONSUMER PRODUCT AND ISSUE XXXX I did not have the opportunity for a rebuttle. I was hoping that case number can be re-opened so I can submit the documents I sent them over 2 months.
Consumer complaint received 2022-09-26
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (FL)

These accounts do not belong to me. 
I was added as an AUTHORIZED USER for XXXX XXXX Account number XXXX. I was in XXXX from XXXX. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Bank & CITIZENS FINANCIAL GROUP , INC . 
EIN # XXXX Principal Executive offices : XXXX XXXX  XXXX XXXX R.I. XXXX Vice Chair and CFO : XXXX XXXX XXXX XXXXOn XX/XX/scrub>XX/XX/2024 I started a fraud claim Claim # XXXX, For {$13000.00} And the multiple associates of Citizens Bank wouldnt give me a email or link to upload documents for proof. So it was denied. 
***And I once again filed another fraud complaint on XX/XX/2024 for {$13000.00}, Claim # XXXX I was able to upload proof and all the and fraud etc. Now they want more and more and its so beyond frustrating that I am the one who was stolen from and they treated me like a Criminal after being a member for over 12 years. So in their SEC XXXX and XXXX filing they state they have to by law give the amount disputed by 10 days if they have not come to a decision, but always give the provisional Credit to their clients because were important to them. Well its coming up on day 9. Tick tick tick.
Consumer complaint received 2020-08-25
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. (NV)

I have multiple accounts on my credit report that don't belong to me. I discovered them XX/XX/2020 and filed disputes with all three credit bureaus in XX/XX/2020 as well as filed an identity theft report.
Consumer complaint received 2021-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have multiple accounts on my credit report that don't belong to me. I discovered them XX/XX/2020 and filed disputes with all three credit bureaus in XX/XX/2020 as well as filed an identity theft report.
Consumer complaint received 2023-07-27
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. (CA)

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 accounts 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 : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$73.00} XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XX/XX/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 Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX {$660.00}
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

We worked with Cardinal Financial Co. to refinance our house in the Spring of 2020. After closing, Cardinal, via their settlement company, XXXX XXXX XXXX XXXX XXXX made the first property tax payment on our house shortly thereafter. The loan was subsequently sold to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX became the servicer. 

We received a 2020 IRS Form 1098 for the property tax from XXXX for the second tax payment of {$2100.00}. We did not receive one from Cardinal. I have had numerous calls with XXXX who eventually told me that the only person at Cardinal who could do anything was the agent, XXXX XXXX. I have called XXXX XXXX and left messages and have emailed him three times with absolutely no response. I was told in XXXX that the 1098 had been mailed out and that I should get it in a week or so. I didn't. In trying to contact someone at Cardinal I kept being looped back to XXXX who told me that that could not issue a 1098 for a payment that they didn't make. Finally a gentleman at XXXX referred me to XXXX XXXX XXXX and they emailed me a copy of the check that was issued by them on behalf of Cardinal for the first property tax payment.

I still can not get in touch with any responsible party at Cardinal and have asked that my account proceed to file our taxes without the missing 1098.
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (DC)

Today i received a derogatory mark on my credit report from a collections company called phoenix financial services for the amount of {$900.00} from XXXX XXXX XXXX. This is completely fraudulent. They said its for a hospital visit on XX/XX/2019. I never received any notification. It seems to be fraudulent.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I have called Experian numerous times and t

he credit score is not updating with current credit information. It appears to be possibly an identity issue. I have even been told I was listed as deceased. When I open new accounts, they never show up on reports ( approx 9 years ).

I have been in a loop of making requests, being told various stories, but the issue is never resolved. Any creditors that require a credit pull from Experian will not service my needs. 

When I apply for credit and the creditor pulls from Experian, the inquiry shows up, but the credit account once opened never reports.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (WI)

On XX/XX/2021, I initiated a transfer of {$100.00} from my checking account to my money market account. I received an error on the transfer and tried a few more times, unable to get it to go through. On the morning of XX/XX/2021, I contacted Schwab customer service because I continued to get an error message. A team member on the brokerage side attempted to do the transfer for me but also encountered an error. She transferred me to a representative on the banking side who was able to get the transfer through. 

That afternoon, I looked at my account and saw that nine transfers of {$100.00} left my checking account. It appeared that one went through for every time I or a customer service rep attempted to make the transfer. However, when I looked at the brokerage account, only one transfer of {$100.00} went through. This left {$800.00} missing from my checking account. 

Since XX/XX/XXXX I have spoken with multiple representatives at Schwab. Given their long hold times, I have spent many hours on the phone waiting for help. Each customer service rep I have spoken with has told me the issue was known and was being worked on. Each promised me the issue would be fixed by the following business day. As of today, XX/XX/XXXX, the issue still hasnt been fixed. 

If I would have overdrawn my account I would have incurred bank fees as a penalty. Instead, in this situation, I have to float {$800.00}, money that can not be spent or invested, because of a banking error that Schwab staff is seemingly unable to resolve. I have been told by some reps that the eight erroneous transactions would be voided and the funds returned to my checking. Others have told me the eight erroneous transfers would be completed and the {$800.00} moved to my brokerage. I am unable to understand why this issue can not easily be resolved and have completely lost both patience with this process and faith that my money is safe with Schwab. 

It is worth noting that in the middle of this issue, I encountered another issue with Schwab whereby a stop limit set on a security I once held with Schwab but later transferred to XXXX was activated. I had an alert in my account showing I owed those securities back. Thankfully, they were able to void that transaction but it only adds to my impression of Schwab having issues with the way in which their systems hold and manage my money.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I made a payment on the Citi 's credit card payment page from my personal bank account. I copied and pasted the numbers on my computer so there is no way that the numbers were mistyped or off in any way. However, the payment failed to go through even though there were more than sufficient funds to cover the charge. When I tried calling Citi, I wasted an hour of my life on hold only for the call system to hang up on me. I then went to the chat box where the return check fee was reversed but the very kind representative informed me that they were not able to reverse the interest. Even though the interest was only charged due to Citi 's inability to collect a payment from the account that I provided, that I copied / pasted the numbers from and had more than sufficient funds to cover the transaction. This is just the latest in a string of failures from Citi bank. Of course, my time has no value to Citi Bank so they do not care about their failures that have cost me significant amounts of my time. I am looking at a start up XXXXXXXX XXXX  as they tend to actually care about their customers.
Consumer complaint received 2020-08-25
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: SYNCHRONY FINANCIAL (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I received a notice from MYFICO stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Not only did they violate my rights but several inaccuracies are report in each bureau. In TransUnion the Collection is stating that is is open. In XXXX the collection states closed. In XXXX it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, 2022 Bank of America ( B of A ) closed my Checking account. I do understand B of A has the right to close my account at anytime. From XXXX XXXX XXXX, B of A returned my payments for mortgage, IRS XXXX insurance and other bills as unpaid. 
On XX/XX/2022 I was told me account was fully closed. On XXXX XXXX, 2022 I was told the balance was sent out to my address on file. I called every other day to verify my check was mailed. Because I didn't have money my water got turned off for days. 
On XXXX XXXX, 2022 I asked to speak to a Supervisor ( XXXX XXXX, whom I asked why B of A sent XXXX Police to do a wellness check. XXXX insisted B of A didn't do that sort of thing. I also, asked XXXX why had B of A reps had been telling me the check has been in the mail since XX/XX/2022, I should receive it within XXXX business days. XXXX told me a Hold was placed on my check XXXX XXXX, 2022. I did inform XXXX I have been deceived by B of A and they have not been forth coming on the issues of my account. After I spoke with XXXX XXXX XXXX Police came to house again. 
I would like to know what items are being investigated, so I can have the chance to defend myself and provide validate documents for all my deposits in question. I am aware of a {$270.00} balance from a old XXXX Account. I told B of A reps and Supervisors I authorize them to take the {$270.00} from my checking account balance closed on XXXX XXXXXXXX XXXX. 
Not having my funds to pay my mortgage and other bills for the last XXXX months has cause me a great deal of stress, anxiety and hardship. After my mother 's horrible murder, I suffer from XXXX. This bank issue is compounding my XXXX symptoms.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I originally submitted a claim due to a package that was stolen from my porch, I submitted the order on XX/XX/year> from a merchant whom send the order with no problem. Due to XXXX error not holding my package at facility the package was still delivered which caused the package to be stolen, because of this I had no choice but to contact my bank which I did and submitted a dispute by disclosing the information of XXXX error and the missing package that was stolen. The claim got denied due to no fraud being shown for the order which is something that I did not disclose to citizens Bank. I disclosed to them that I authorize the transaction, but the package was stolen, I am now left with a closed account due to me having this claim reopened and my account is overdrawn because the credits was returned, and I am locked out of my account and have no access to my online banking. This is an account where I receive benefits to for my school and personal life now I have to update and change everything because of this, if I would not have had the Dispute Reopened if I knew I would suffer like this. these banks are supposed to protect their clients Im being pushed out and my account is being closed due to this Ive been banking with this bank for over two years very disappointed.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I took a line of credit for {$3200.00} so far Ive made XXXX payments of different amounts and I still owe more than {$1500.00} it seems to me that the interest on the loan is very high because very small amount that I pay goes to the principal.Im a XXXX XXXX and maybe I didnt read the information I received by email very well. I really do not want to default on the loan and ruin my credit rating any farther but I need so kind of relief from this situation that Ive created for mysel. I will appreciate any help that I may receive. Thank you very much.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WV)

Discover took my financial aid for my schoolbooks and closed my account. I was angry because I have no missed payments for 2 years so I said close the account. I then remembered that I just put {$500.00} on the card to pay for my schoolbooks so I changed my mind. The woman asked specifically if I still wanted her to close the account because she had to read the disclosure and I hung up. Now I can not purchase my books. They took my financial aid and closed my account in good standing preventing me from getting my online course material. My GPA is ruined because where I have to take online courses, they are only 8 weeks, and my financial aid is ruined and all they say is heres an address. Write them. I did not have the time to waste being an 8 week course and this will make a whole week missed in 3 different classes. I guess the time for haste has passed but I feel it is wrong and morally wrong. My whole life is ruined because they closed my account and they want me to write a letter and mail it.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (PA)

I got a Target credit card around 5 years ago. About 3 years ago I got a letter in the mail with a target master card. In the letter I was informed that my target credit card was closed and that they opened a master card for me. I did not and no not want the master card. Target make two hits on my credit, one for closing the credit card and one for opening the master card. I did not consent to closing the target card or opening the master card and I was not informed until after it had been done. This took a massive hit on my credit score.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have not received a response or adequate validation. I am seeking your help to address and resolve this matter efficiently.