davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

As of my statement dated XX/XX/2020 on my citibank double cash back card I had a balance of {$230.00}. This statement explicitly stated I had " Your Cash Rewards : {$200.00} '' ; this balance is what I have accumulated over the years in their " Double Cash Back '' program. This statement stated I had until XX/XX/2020 to make payment. I redeemed the entire " Cash Rewards '' balance of {$200.00} on XX/XX/2020, in addition I sent a payment of {$30.00} on XX/XX/2020 for a grand total of {$230.00}. I then waited for my next statement to generate as my current statement I believed to be paid in full. On XX/XX/2020 I logged into my account online to see what the damage was for the month when a notification popped up telling me I was delinquent and I need to make payment immediately. As a result I scheduled another payment and performed some investigation as I thought I may have scheduled payment for the wrong date or for another account thinking it was this account. I then found out my payments were on time and exceeded the balance of my XXXX statement of {$230.00} as my cash back redemption combined with payment was {$230.00}. With this information I immediately called Citibank to remove a {$29.00} late charge because my balance was paid in full and before the due date. I then was told by the customer service representative " The minimum payment due was {$35.00} and you paid {$30.00}. ". I then replied I redeemed my CASH REWARDS balance coupled with my payment of {$30.00} exceeded the total balance of {$230.00}. The representative then told me " Redemption 's to your statement are treated as a credit and not cash. '' I then replied your signage advertise 's the card as " DOUBLE CASH BACK '', the statement generated says " CASH REWARDS '' therefore when I redeem the value I have earned it should be treated as CASH ; otherwise the card name needs to change as well as the statement wording. I was then told " It was redeemed to your statement therefore it was treated as credit not cash and since you paid {$30.00} and the minimum due was {$35.00} you were late and the {$29.00} late fee was added to your account '' I told the representative you can either remove the unfair late fee of {$29.00} or close the account and the representative closed the account. 

My contention is the card is advertised as being " CASH BACK '' and the statement lists the amount as " CASH REWARDS '' therefore it should be treated as a CASH payment. It is my believe the {$29.00} late fee is unfair and recorded in error since my entire XXXX balance was paid in full with my CASH payment of {$30.00} coupled with my CASH REWARDS of {$200.00}.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

To whom it may concern I am writing to formally complain about Citi bank and their disregard for what is happening to their clients. I have a Citi credit card with a balance and have been seeking assistance from Citi.I have never missed a payment and have perfect credit. I was asking for interest deferral to buy some time to pay down the card .I am self - employed and have lost all of my work and income. I do not want to differ payments as the interest will still accrue, that really doesnt help. All of my other banks, car payments, other credit cards and loans have all stepped up and deferred payments and interest. 
Someone with the authority to look into their practices need to ask them why they need to collect interest when people are a couple months away from losing everything. It is a shame that Citi cant come up with a better solution. 
Please help with this matter in any way you can as I am sure there are thousands upon thousands of people being bullied and strong armed by Citi .Shame on them for not being better corporate citizens, obviously they are not concerned with anything but their interest earned on hard working people who desperately need assistance in theses unprecedented and difficult times. 

Thank you for your time and consideration.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (GA)

Since XX/XX/2020 I have been trying to access my account through American Express Serve! I received my unemployment deposit into my account and immediately after that there were two transactions that were made without my approval ( I did not make these transactions ). I called the company numerous times. I finally got in contact with someone and told them about these unauthorized transactions, while I was in the phone the customer service representative proceeded to tell me that there was a different email address ( not my primary email that I registered with ) on my account! Meanwhile Im on the phone ..whoever hacked into my account kept changing my password and email and spending money at XXXX XXXX in New Jersey ( I live in Georgia & never been to New Jersey a day in my life ). I had to change my password and account 6 times!!! After my conversation with the customer representative he told me that he changed my email back to the original one and was going to forward me to the fraud department so I could report the fraud purchases. I was literally on the phone waiting to talk to someone for 6 whole hours!!! No one picked up. Ive been calling everyday since then and no one picks up. Ive also been trying to log into my account since then and I cant login. Every time I try to reset my password it wont allow me to and I have no idea what is going on with my account! I am also unable to use my card anywhere!!! I have a business to run and a family to feed and this is REALLLLLLLYYYY making me upset! How is that something is going on with this system and theres no communication as to where my money is or whats going on with my account!! I need answer FAST
Consumer complaint received 2020-04-19
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. (NJ)

I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, Experian, and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My Capital One Bank Credit Card was discharged in XXXX  of XXXX. 

The XXXX Capital One Account is still on my Credit Records Report.

Capital One needs to be deleted from my credit report.
Consumer complaint received 2020-04-19
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}
Consumer complaint received 2020-04-19
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX  # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

Lost my Barclays Credit Card. The only way to get in contact with Barclays is through one phone number for ALL calls, which is encountering significant delays in answering the phone to report the card lost and to get a replacement card. Unable to get through to report the card lost and there is no option to cancel the card without speaking with a representative. No one is answering apparently due COVID-19. Barclays does not provide an e-mail, and can not use on-line banking without credit card / account number, which has been lost. Can not even get my account information without speaking with a representative, who are not available to speak with.
Consumer complaint received 2020-04-19
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. (NJ)

I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted Transunion, XXXX  and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.
Consumer complaint received 2020-04-19
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. (TX)

ftc violations and case that pertaining to my case attached in XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

Object : BARCLAYS Financing Mastercard I paid their residual balance in full of {$700.00} after they improperly reported my account as delinquent twice. When I made the phone call sometime in XX/XX/2023 and ask them about my total remaining balance and I paid the whole amount at once and I told them to go ahead and close my account permanently. Hence, after permanently closing my account and praying my final balance in full, BARCLAYS FINANCING MASTERCARD falsely generates another charge of {$52.00} in way interest charges which also got reported as delinquent. 

However, they abused their reporting power and now my credit score shows 2 delinquent reportings from BARCLAYS FINANCING. I have been a client with them over five years and never have any issue. 

I am victim of false reporting from BARCLAYS FINANCING because of false reporting and unjust reporting.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IL)

I am having a new issue where XXXX  keeps not answering this new problem that I have with them. This is completely brand new and there is a lot of miscommunication. The payment for XX/XX/XXXX was done and the payment is not being as reported for that month. This absolutely has nothing to do with XXXX and XXXX being reported on time or a late payment. It has to do with the fact that this payment needs to be updated as paid on time for the month of XXXX. I am not staying or complaining that the payment is late. My complaint is that XXXX  is not reporting XXXX as paid to XXXX. The current report is no payment has been made which is incorrect. 
I contacted on XX/XX/XXXX asking XXXX  to fix the way they are reporting the XX/XX/XXXX payment ( see attachment ). It is currently reporting as no data, which is incorrect. XXXX  XXXX  participates in the Illinois Hardest hit program. The HHF Homeowner Emergency Loan Program ( HELP ) provides mortgage assistance to homeowners who have experienced at least a 15 % income reduction due to a qualifying hardship event. 
As you can clearly see from the hardest hit document a payment of {$6500.00} was made on XX/XX/XXXX, which confirms that the payment for XXXX was made. On XX/XX/XXXX I sent XXXX  an email asking you to correct the problem. I also sent them a follow up email on XXXX XXXX. 
I also went to the corporate office 4 times and spoke with XXXX XXXX who referred me to XXXX XXXX the compliance officer. I called Mr. XXXX three times so I could have this problem resolved over the span of two weeks. To date, he has ignored my calls and not responded to. I find this very inappropriate because the corporate office on XXXX specifically directed me to this individual to resolve the problem I am complaining about today. 
Today I got a letter from XXXX saying my claim was resolved. However, the resolution they made has nothing to do with what I have been asking them to do. It refers to late reporting for XXXX and XXXX in XXXX. I have informed XXXX  in person, via email, and over the phone that they have not corrected this problem. I am reporting them also to the consumer finance because I am paying them a lot of money and when I ask them to resolve a problem they don't listen. Again XXXX is reporting no data, which is incorrect. It should be reported as paid for the month of XXXX. 
There should be a green dot on the credit report for the month of XXXX. Currently the month is being reported as no payment made. When I contact XXXX  there response is " we contacted the data furnisher and the listed account was verified as accurate. The results of the reinvestigation were forwarded to you on XX/XX/XXXX. '' Its important that XXXX  fixes this because the interest rate on my insurance is a 4.999 % and the interest rate has significantly went down significantly and this error is affecting my ability to refinance and get a better rate.
Consumer complaint received 2020-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CFPB is not providing any document bearing my signature, where Capital One proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint XXXX-XXXX
Consumer complaint received 2020-04-21
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. (WI)

There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not released until XXXX XXXX. I did not have access to the internet while XXXX.
Consumer complaint received 2020-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not released until XXXX XXXX. I did not have access to the internet while XXXX.
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX, and XXXX. The following collection agency PORTFOLIO RECOVERY located at XXXX XXXX XXXX XXXX XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication and is unwilling to produce evidence of legal validation. The accounts are listed below. 
Account XXXX Account XXXX Account XXXX Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/2023 I received a letter in the mail from VyStar Credit Union stating that an account was in the negative - XXXX I've never heard of this Credit Union and where I live there is no VyStar.. I called the company and they told me to report it to the local police and my bank, also report it as fraud..
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NORTHWEST BANCSHARES INC (PA)

Due to Covid 19 and not getting paid I did not use my checking account with XXXX XXXX XXXX  in XXXX Pennsylvania. They continued to charge {$15.00} maintenance fees resulting in the account going into overdraft. As I have had no income I could not resolve the {$27.00} overdraft before they closed the account and reported it to XXXX. 2 days after the account closed I received a payment due to me and cleared the negative balance caused by their monthly fees. I was then informed that they could not open a new account because THEIR record was in the XXXX  and I would have to wait 1 to 5 months for the report to be cleared. 

I went and spoke to the branch manager on XX/XX/XXXX and she told me that until XXXX clears the report their is nothing she can do. I asked about expediting the report of payment upon notification to XXXX and she said there is nothing she can do. 

In summary, their lack of clearing the report with XXXX  is preventing them reopening my old account OR opening a new one with any bank. This has caused my Stimulus payment to be returned to the government as well as unemployment. compensation.
Consumer complaint received 2020-04-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XXXX i contacted Citizens bank to refinance my student loans i had with them. They instructed me to wait to hear back from them. I was simply refinancing through the same exact bank. After many phone calls back and forth asking what is going on and never hearing back. They finally refinanced my student loans. I just applied for a mortgage and found out that they reported a 30 day late on all 3 of my loans that have been consolidated. This is not my fault and this is GREATLY damaging my credit by 100+ points.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

An internal transfer into checking {$2000.00}, transfer out of checking to another bank {$2000.00}, and check {$140.00} all posted to my account on XX/XX/20. The bank ordered the transactions with the credit last, and then debits high to low. This resulted in reversal of external transfer with additional negative repercussions, 2 NSF fees {$58.00} and bounced check. The money was in the account to cover everything that day XX/XX/20. How is this still permitted with CFPB protections?