davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2021 Citizens Bank restricted my ability to transfer funds from my Citizens Bank checking account to an external bank account. This service is actively advertised by XXXX and is provided to other customers. Citizens had also canceled the existing transfers that were scheduled on my account for future dates.

When I contacted Citizens Bank regarding the issue I was requested to visit a local branch and present a government issued id. 

Here is an extract of the communications I had with Citizens Bank regarding the problem : I received the following message from Citizens on XX/XX/2021 : " Dear XXXX, We certainly understand your concerns. 

Please visit your local branch and a Banker will be happy to assist you. 

Regrettably, we are unable to resolve this matter via email and apologize for any inconvenience this may cause. 

If you have any further questions or concerns, please contact us via email or by calling our Online Banking Department at XXXX XXXX. 

We value you as a customer and appreciate your business. Thank you for choosing Citizens. 

Sincerely, XXXX XXXX. 
Email Team Advocate '' I wanted to respond to the message as follows : " XXXX, I visited your branch at XXXX XXXX XXXX, XXXX, MA and spoke with XXXX XXXX XXXX to whom I had shown my government issued id. XXXX XXXX XXXX was not able to assist me as they had stated that they do not see the transaction of {$610.00} being blocked. I requested them to make a record that I visited the branch and that they had verified my identity per the government issued it that I had presented. '' But when I tried to submit my response on your website I received the following message : " Error Received The information you requested could not be displayed. Please select " Go Back '' and try again. '' It appears that Citizens Bank refuses to provide the same level of service to consumers who have difficulties communicating on the phone as it provides to others since it can not address the problems on the account even when customers visit a branch and present a government issued id. 

As of today my ability to make transfers from my Citizens account to an external account on Citizens website is restricted and Citizens Banks has not provided any explanation why it is restricted on my account while it is available to other customers.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I had this collections account come on my record : WAKEFIELD & ASSOCIATES Original creditor : XXXX XXXX XXXX XXXX {$2000.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$2000.00} {$1600.00} Payment Info Original balance {$1600.00} Balance {$2000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I HAVE PERFECT CREDIT with EXCEPTIONAL NEVER LATE PAYMENT History. I was the victim of identity theft. This is not my debt.
Consumer complaint received 2021-11-01
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. (NC)

XXXX  is marking my payments as late when my account is currently frozen due to an existing lawsuit with the car dealership. The used car I purchased was illegally modified and would not pass a smog test, as well the engine gave out within a few weeks of purchase. I hired an attorney who named XXXX in the case as I am seeking to have the loan canceled and the car returned and the loan forgiven. Without warning XXXX froze my account due to the lawsuit. When I logged in to make a payment last XX/XX/2020 my online access showed that there were no active accounts/loans with XXXX. When I called I was told that my payments were frozen while in the lawsuit. About 10 months ago I checked my credit score and it had gone from Excellent to the high end of Fair. I realized XXXX had began marking my payments as missed. They never gave me any warning that they would be doing this. I tried contacting XXXX and was sent to their legal department, then was told my attorney would have to speak with theirs. 

XXXX  continues to mark my payments as late and my credit has diminished further. It is now Fair and recently dropped 126 points because of XXXX. Their attorneys have not resolved the issue and my attorney is still trying to settle my case. When I call XXXX the automatic system states that they are actively seeking payment from me, but when I attempt to speak to someone they give me no info or conflicting info. I still can not access my loan, I have not received a single statement, I do not receive emails from XXXX  other than marketing emails, and despite what their automatic system states I have not received a single phone call in regards to making a payment, and I have no way to make a payment to them. They are ruining my credit while I am in a lawsuit with them. I can not apply for a new car loan or a higher credit limit to improve my credit, or apply for an apartment because of my current credit shows over a year of missed payments. My credit would be flawless if it wasnt for XXXX  XXXX up. 

I attempted to resolve this through all 3 credit agencies but it is still not resolved. Ally is disputing my claims.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2021, I reached out to Experian to remove addresses that did not belong to me from my credit report. The information is still on my credit stated credit report and therefore represents my information inaccurately. 

Further stating that the post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. Reference XXXX XXXX The response to my concerns was that the information was removed but through further investigation of recent credit reports it appears that the addresses were not removed.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CT)

XXXX XXXXXXXX refunded an amount of {$80.00} to my XXXX XXXX ending in XXXX on XXXX, shows posted as of today, XXXX, amount does not show in available credit which is now {$290.00}. My credit line is {$1000.00}. A purchase from XXXX XXXX in amount of XXXX was made on XXXX, however, my available credit should show around {$370.00} with return from XXXX XXXX including XXXX XXXX purchase.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Santander Consumer USA Holdings Inc. (AZ)

Pursuant to XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws
Consumer complaint received 2021-10-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Someone used my information and applied for a Bank of America credit card. According to XXXX, the account was opened on XX/XX/2021. The balance was {$660.00} as XX/XX/2021. 

I contacted BOA but they said they did not find any account under my SSN. I contacted XXXX and they helped me remove this account from my profile.
Consumer complaint received 2024-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CT)

My HELOC was transferred to Shellpoint after I made 2 payments to XXXX XXXX XXXX, first mortgage company. I was current on payments with them when the loan transferred. With Shellpoint I have paid every monthly statement balance in full on my account, starting in XXXX when they requested the first payment and so on since. Then on XX/XX/year> my account was assessed a charge of {$1400.00}, then on the same date, my account was credited the same amount of {$1400.00}. Then on the next statement that amount was listed as an outstanding fee owed. When I contacted Shellpoint via phone ( and chat ), I was told it was a posting error and was a credit and would be updated to reflect that, I was told I did not owe this amount. 

I followed up again in XXXX because this amount was not removed from my account. I have made several phone calls and have had numerous chats online regarding this, all while getting different answers. 

In XXXX I was told they did not know what the charge was, and it needed to be reviewed by the HELOC department, at that point I was given Case # XXXX and was told I would get a response within 7 days. I followed up for a status update at 7 days and was told it was still under review. I followed up again on XX/XX/XXXX and was told the case was incomplete and was closed. No communication was sent to me, nor did anyone attempt to contact me via phone. This is unacceptable, they reopened the case on XX/XX/XXXX, and I was told up to 9 days to get a response back. I followed up again today, XX/XX/year> ( just for a status update ) and was told it was under review and would take up to 30 days. 

This is unacceptable, you have placed a charge on my account, and nobody is able to tell me why. It is also preventing me from making any additional principal payments currently.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (VA)

I was given this gift card for helping a friend make a marketing video for her business. I have attempted to register the card multiple times and it seems to be impossible. Their website ( https : //www.giftcardmall.com/ ) doesn't allow registration and the phone number on the card ( XXXX ) simply refers you to the website. 

I checked the ratings for this company and they appear to be a scam. 

Blackhawk Network ATTN : Customer Service XXXX XXXX XXXX XXXX . XXXX XXXX, NV XXXX Issuing Statement for Card : The Visa Gift Card is issued by XXXX, XXXX, Member FDIC or XXXX XXXX, XXXX, XXXX XXXX, MN XXXX, Member FDIC, pursuant to a license from Visa XXXX XXXX. Please see back of card for Issuer. Your card may be used in the United States everywhere Visa debit cards are accepted. The card may not be used at any merchant, including Internet and mail or telephone order merchants, outside of the U.S. or the District of Columbia. See Cardholder Agreement for complete details. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. Distributed and serviced by Blackhawk Network California , Inc. 

2020 Blackhawk Network , Inc. All rights reserved. Trademarks shown are property of their respective owners and used with permission.
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

Hello. On XX/XX/2021, I submitted my financial information to XXXX XXXX who then forwarded it to Citizens Bank, the company writing the loan. I submitted bank statements, tax returns, mortgage statements for a previously purchased property, and pay stubs. On XX/XX/XXXX, I explained to the loan officer that my husband hadn't been employed for 6 months because I knew that could be an issue. She asked for an exception letter, which we provided. The letter explained my husband hadn't worked due to Covid closing schools and him staying home to take care of the children. She stated it was good. In mid XXXX I asked if the exception letter was approved and she said yes, we were all good to go. I don't know if she lied or if Citizens Bank lied to her and said that. 

On XX/XX/XXXX, we received our Closing Disclosure from Citizens Bank stating our actual costs needed. We were supposed to close XX/XX/2021, so that put it 3 days from closing, like it is regulated. On XXXX, XXXX, the day before closing, we were told we weren't clear to close due to my husband 's length of employment. We didn't understand why that was an issue the day before closing since we had disclosed that information in the beginning and were not only pre-approved with that known, but also told the exception letter about his employment was accepted. We had been allowed to pay for so many things when they knew from the beginning we weren't going to get the loan based on the information I provided. 

The day after we were supposed to close, XX/XX/2021, we received our Notice of Action Taken. This notice should have been sent well before this. The reason was due to employment history and insufficient income. Both of these reasons should have made it where we wre n't pre-approved. We should not have been told repeatedly we were getting the loan if those were the issues. 

Nothing changed with anything in our finances or employment from the time we were pre-approved to the time we were supposed to close. 

I'm not even sure how insufficient income is a reason since our DTI with the house we were trying to buy was 30.52 %. 

We terminated our lease agreement since we were given verbal confirmation that we were " for sure good and getting the loan. '' Now, I have to be out of my apartment in 9 days and I have no house to move into. 

I am attaching the contract for the house, the letter of intent given when we had already provided an exception letter for the employment history, Closing Disclosure, and the Notice of Action Taken that was given the day after the closing date.
Consumer complaint received 2021-10-12
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. (WA)

I have been disputing unauthorized inquires on my TRANSUNION report for over a year now. I have submitted several CFPB complaints and reported the identity theft to the FTC. TRANSUNION willfully and knowingly furnished my consumer report without having my direct consent. On XX/XX/2021 TRANSUNION sent me confirmation by post mail that these inquiries were finally deleted from my report. I am highly offended that TRANSUNION thinks they can blatantly disregard there negligence to federal law and my consumer rights. Because this information is public information TRANSUNION is responsible for compensating me for all of the civil violations committed against me.
Consumer complaint received 2022-01-18
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-22
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. (TX)

I started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both XXXX and Experian twice about this account that is past the Texas XXXX XXXX XXXX which is currently 4 years. 
In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.
Consumer complaint received 2021-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I have had several medical events from XXXX. XXXX , CMRE received medical debts from my provider XXXX  XXXX XXXX XXXX Many bills were in error and I had to dispute. The accuracies and verifications were never submitted nor did the hospital originally follow up or give me time to address debt balances left from insurance or payment plans. As it was during pandemic and my own illness prior and during time. I had to have a bill deleted, however in the meantime it had already dragged my credit down several points. I didn't know it was on the reports until i received monitoring due to breach of our information from a laptop from employer of my job. 

XXXX  XXXX XXXX underwent a merge of systems with XXXX XXXX XXXX. In the process, billing departments were and continue to be separate. I had 3 surgeries and other procedures. So I had onslaught of medical bills, and during the pandemic. I have asked the credit bureaus and collection agencies to delete the paid collections and a newest one was put on my credit and I told the lady I had to check the accuracy of my portion of bill. I paid it immediately within a 1 day of reported on credit. I have a concern when medical providers sell debts off quick and end up with scrupulous collection agents that hound and harass. The bureaus report when you attempt to address and dispute and sometimes restart debts. It is a vicious cycle for consumers who have had health challenges, employment and a fallout such as this health crisis we are in. I want the past medical collections deleted, due to the numerous issues. I have one in dispute with my provider and a collection agency that hasn't yet put on my credit, had I not been aware and starting to research these type of errors, then it would have resulted in more credit damage! 

Date ranges XXXX XXXX
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have spent countless hours on the phone with Santander regarding the servicing of my mortgage, which I attempted to remove from Forbearance. Due to a " coding error '' on their part and a subsequent mistake in the timing of the forbearance deferral I am now in default of my current home mortgage purchase, which will need to be delayed by two months. I am in contract and the deposit is currently in escrow. 

I have taken every possible measure to correct this mistake and have other loans which I have successfully removed from forbearance, so this is the only mortgage servicer with which I have encountered such difficulty. Emails have been ignored and phone calls from specialists were never returned as promised. 

The sheer number of hours I have spent over the past 2 months without a resolution amounts to gross negligence given how clearly I have explained the problem without an attempted resolution or explanation on their part and I would like to be compensated for my time and/or monetary damages incurred.