davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Regarding Citizens Bank, XXXX, XXXX On XX/XX/XXXX I closed my personal savings account after undesirable help at this office. I then filed a complaint with OCC. 
On XX/XX/XXXX received a reply from Citizens Customer Resolution Dept which did not address my question of why I had to wait 6 days to get my money in cash - I gave them a notice of 2 days but the manager told me I had to wait 6 days - " because that is the way it is ''. I waited and went the 6th day and got my cash. 

On XX/XX/XXXX I left a messsage for XXXX XXXX - Office of the Chairman @ Citizens in Rhode Island who had sent the first letter. I stated that I had given several days notice to withdraw my money but I felt waiting 6 days was not appropriate. I never received a return call from Ms. XXXX and WE HAVE NEVER PERSONALLY SPOKEN ABOUT THIS ISSUE. On XX/XX/XXXX - received a letter from Ms. XXXX notifying me that Citizens " has elected to discontinue its account relationship with me by closing my husband and mine joint saving & checking account. This checking account has been in existence for at least 35 years with no problems. The closure is effective XX/XX/XXXX or maybe before if they elect to do so. My problem : My husbands social security check, retirement check, pay checks are all directly deposited to this account. We also have multiple automatic payments coming from this account. The closure of this account would be a financial hardship as this is how we get our money to live on. I do not believe that this is ample time to make arrangements at another bank. 
On XX/XX/XXXX my husband went to this branch to withdraw some of the savings money and he talked to the manager. Her and the teller said that " Mr. XXXX you name is not on those letters- only your wife 's name is. So, what he found out is that they will still do business with him but do not want me! I am sure this is total retaliation against me for filing the OCC complaint. I am very willing, however, to take my name off the checking account if they let everything remain the same and without opening a new checking account to save us switching all auto deposits/deduction to another account. 
The OCC can not give me any help until they finish their investigation and that could be up to 60 days! We will be sunk without our money. Can you help me/direct me to get some help quickly so as to not let us be without our monthly income. thank you in advance.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (IL)

Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of {$960.00} Both experian XXXX XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 
A bill is not a contract They are required to provide the original contract agreeing to pay this amount of XXXX $ bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance Please
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'm having little problem locating my receipt but o still have items I purchased and my husband 's debit card we paid with. 1 or 2 weeks ago we went to the KOHL store to do XXXX shopping on the check out cashier advised to open a credit card I agreed she asked me to follow instructions on the screen. After I completed all the steps she asked other cashier to help both of them standing looking at the screen and then they say can we have your State issued driver 's licence, which I understand why it was requested but I left mine in the car. I said I left it in the car I parked pretty far it's already took quite a while so I think we should cancel everything I want to cancel the process. BUT CASHIER XXXX XXXX  ID of my husband and said thats fine we still can process. I felt it is not right so I rejected and asked two cashiers to cancel whole process and just let me pay with debit card. They looked disappointed but followed the instructions. Today XX/XX/2018 i receive missed call from KOHL with voice mail asking to call nack after spending more than an hour on the phone and constilently on hold finally representative named XXXX states you approved for {$400.00} credit card and we will mail it to you shortly. I was in shock and told him I'm sorry I don't want to get anything what do you mean you will send me credit card and for now I can use my ID to pay for time being. Representative got very mad and started yelling at me and saying that I said to process it. I rejected I recapped exactly what I said to him and continue yelling I nicely asked him if u can talk to a supervisor or manager and asked hime nicely not to yell at me. HE PUT ME ON HOLD ... after a while he came back and said they will send me letter about and now they will cancel credit card. I asked him again may I please speak to a supervisor. Representative said we will call you back tomorrow I asked May I set preferred time for supervisor call back, representative I'll ask them what time would you like I provided preferred time and took the survey and shared my absolutely dissatisfied experience. 
Because it was department store I decided to call centralized office I called and spike to a nice representative, who took all information for complaint about terrible customer service and advised data will be passed to district manager and they will address the matter but nothing about opened credit card which I did not ask for and was accepted with wrong ID. WHICH makes me feel whoever witj information easily can open cards and use my identity very easy without any proof for the data is for the person who is actually applying. 
Please advise and take needed action to prevent such actions opening credit cards when people rejects them and open cards without any identification for the person.
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (NY)

On XX/XX/21 a credit card was fraudulently opened under my name. The account is XXXX with XXXX limit of {$400.00}. There is a {$330.00} balance on the card that I can see from my report. I did not order this card. I have not used this card. It is not my card. It is identity theft. There is now a hard check on my credit report that has lowered my score. On XX/XX/21 I disputed this with Experian. On XX/XX/21 I called XXXX at XXXX to dispute the veracity of this fraudulent. account. On XX/XX/21 I received a notice from Experian informing me that they have verified my complaint with XXXX  and that they find the card information to be " accurate. '' I don't see how the accuracy of the identity thief is relevant to the fact that this is identity theft. Experian 's motivation in investigating a dispute should be in service of the account holder and eliminating illegal activity. Instead, they collude with the criminal. Neither companies have identified nor acknowledged the fact that I am the victim identity theft whatsoever.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I really don't remember the dates it was last year, all I know that bank put a flag on my account and told me that I owe them over {$4000.00} dollars. I was trying to get a loan with this loan company and they was asking if I get test to transaction. First they sent {$1700.00} to my XXXX XXXX which was link to my bank. They ask me to return it to them for testing. They repeat that with {$1700.00} saying they was paying insurance fees for getting so much money at a time. So now I can't get no bank account open because of this.
Consumer complaint received 2021-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of Identity Theft. I did not make a Credit purchased from them which appears on my credit report. The fraud was opened on XX/XX/2017 with a balance of {$11000.00}.
Consumer complaint received 2021-10-13
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. (MS)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX ( 2 ) and Dept. of Education/XXXX  ( 5 ) ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NY)

The mortgage was transferred to Shellpoint/newrez in XXXX of XXXX. A loan modification agreement was offered and sent to the address on the loan requiring a signature, however the mortgagor had been hospitalized and therefore did not receive the modification agreement. The mortgagor had a XXXX  XXXX and is unable to speak or communicate and has limited mental functioning. I have power of attorney and have been communicating with the mortgage company. On XXXX XXXX I spoke with the mortgage company who requested payment of {$510.00} based on the not yet agreed upon Loan Modification Agreement. That amount was paid on XXXX XXXX Mortgage company then agreed to resend the Loan Modification Agreement to my address with myself as POA. A Loan Modification Agreement was received but the POA was not entered on the agreement. The Mortgage company was again contacted and a request was then made for the POA to be recorded and stamped by the county clerk 's office. This was done and the POA stamped and recorded copy was sent to the mortgage company. Payments were made on XX/XX/XXXX and again on XX/XX/XXXX for {$510.00}. Requests were made again for a corrected Loan Modification Agreement with POA on it. To date XX/XX/XXXX a corrected Loan Modification Agreement has not been received.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

i get preapprovals from capitol one every day in my inbox. i have been preapproved over 6 times for a capitol one card. i completed a XXXX XXXX application and it was denied because i had a fraud alert on my XXXX account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact XXXX to process my XXXX XXXX. all my emails to capitol one that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. capitol one so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my XXXX XXXX  i applied for and i was preapproved for over 6 times.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America reported that I had two late payments 30 days late. One one in XX/XX/XXXX, one in XX/XX/XXXX. These were not late and I feel they were reported incorrectly. I tried to contact them and discuss this. I wrote letters and I never received and return correspondence
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I sent a certified letter via U.S. Postol service to Transunion LLC Consumer Dispute Center XXXX XXXX  XXXX. I disputed 3 different accounts. One account was removed while the other two remained. I asked why I hadn't received correspondence regarding those accounts and I was told that they mailed it to an address that I no longer live at. I asked for the letter to be resent and they stated that I would have to start the dispute process over. It has been over two months.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (AL)

My car was totaled and XXXX XXXX sent the payoff to Bridgecrest on XX/XX/2021. I was advised by Bridgecrest to wait ten business days for the account to be closed, which is stopping me from getting another auto loan. It has been ten days and my account is still open. I am also being asked for another loan payment which doesnt make sense if they have been sent payment for the remaining balance.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XXXX of 2017 and XXXX of 2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (MD)

I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. XXXX and Experian have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc. (MD)

XX/XX/2023 I have unexpected debited amount to my Bank coming from Sendwave which I did not authorized. My account in sendwave had been compromised. 
I created an account in Sendwave that I only used once. Sendwave stored my bank account without my knowledge and approval. Someone used my Sendwave account to sent money to someone that I did not authorized or never made any transaction on this date. I called Sendwave to let them know that I never authorized and never send money in the amount of {$900.00} to anyone that I dont know, customer associate told me that they already approved the transaction after they suspected its a scammed.Customer associate also said that they sent me an automatic email but I only read the next day XX/XX/XXXX, XXXX! I demand them to return my money back but never happen the refund. 
I need help..what will I do to get back my money that Sendwave anyhow approved to sent to someone using my account with them.
Consumer complaint received 2022-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company Credit Acceptance then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm XXXX XXXX XXXX XXXX XXXX XXXX. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.
Consumer complaint received 2021-10-07
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. (MI)

On XXXX I sent this company a debt validation letter to validate a collection they placed on my consumer report. They responded back with some XXXX simply listing my name and the amount they claim I owe ... .No actual documents with my signature, or proof that the debt belongs to me. I sent them another letter on XXXX, telling them what they provided was not enough, and requested documents again. They responded saying that my request was the same and they will no longer investigate. They are scammers of a company and clearly disregarding consumer protection laws granted in the FDCPA and FCRA. Their response simply proves that they don't have the docs required to collect on this debt and report to the bureaus.
Consumer complaint received 2023-12-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has failed to do improper investigation on my consumer report as a consumer I have the rights to privacy on my consumer report. Transunion fails to report accurate information on my consumer report. Account XXXX XXXX management is being reported as an open auto loan for the past few months which is false information on my consumer report I have sent documents to transunion which they have failed to honer. My rights has been violated under the FRCA. I talked to a supervisor he told me he doesnt knows the congress law or isnt a law expert. I dont feel my information is safe with Transunion and this has made it hard to apply for houses and affordable living. I have attached documents. Transunion Reports them as open auto loan, and XXXX XXXX XXXX adds interest and report late payments, but sends me mail stating there a debt collector this is a attempt to collect a debt, which is another fine.