davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-26
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. (CA)

My wife and I had two XXXX XXXX XXXX XXXX card accounts ( # XXXX ) and ( # XXXX ) as of the beginning of this year when the accounts, among a few others, were closed on XX/XX/XXXX. Unfortunately, along with this closure, the bank also canceled our credit card reward certificate for the calendar year XX/XX/XXXX, the " XXXX Cash Rewards, '' for the amount of {$1400.00}. When I called Citibank customer service over the telephone they advised me to write a letter to Citibanks Executive Response Unit ( see attached letter sent on XX/XX/XXXX ; attachment titled No. 1 ) inquiring as to why the points we had earned over the course of the whole year prior had not been included in our XXXX Statement. 

I received a responding letter from Citibank Client Services/Executive Response Unit on XX/XX/XXXX, stating that we did not receive the credit card reward certificate because our account had been closed ( see attachment titled No. 2 ). 

This was despite the account being open for the entirety of XXXX ( XX/XX/XXXX - XX/XX/XXXX ), and it being open from XX/XX/XXXX, until the time that it was closed on XX/XX/XXXX. As such, we asked that the rewards issuance be sent to us given that we had been accumulating points for over a year regardless of the account closure, and because the account was closed in XXXX, not XXXX. Furthermore, we had been notified in our XXXX statement that we would be receiving our rewards along with our XXXX statement, in an amount of {$1400.00} which had already been issued ( see attachments titled No. 3 and 4XXXX and XX/XX/XXXX bank statements ). When we received our XXXX statement, our rewards were not included. 

Following some correspondence with the bank, we met with XXXX Customer Service in person at one of the branch locations on XX/XX/XXXX, and were informed that our certificate had actually been issued already and processed on XX/XX/XXXX at XXXX XXXX, and that it was later canceled by Citibank on XX/XX/XXXX ( see attachment titled No. 5 ), which was 4 days after our account was closed. This indicated that the bank proactively took steps to cancel our reward issuance after the fact that it had been processed and after the account had already been closed. 

We are asking for this to be investigated so that you can help us get our earnings back, as our account had been in good standing all of XXXX and our account closure in XX/XX/XXXX should not have affected what we had earned on the account in XXXX. We believe that we are entitled to our reward earnings as long as our account was in good standing for the duration of the year in which we had been earning points and through the first two months of XXXX. 

We would appreciate your attention to this matter. Thank you.
Consumer complaint received 2018-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

This has been an ongoing problem and I have called on 2 separate occasions to complain. I have 2 accounts ( checking ) one has an overdraft line of credit and when I transfer money into it the online program has it immediately removed from checking account and when I look at the line of credit it has what I transfer under Available Balance however if some ACH payment occurs or I use my debit card I get charged for an overdraft fee and am told it wasn't credited yet-. The online banking should then not have it under Available balance its deceptive and has happened when I transfer from the account which has the overdraft protection to the overdraft how is that possible - it means the money is in neither account but in limbo and they charge me as if it wasn't there while it's processing??? The same bank charged me XXXX to check balance- at another bank machine which I would be ok with but to charge an overdraft fee for the XXXX $ seems to me to be criminal. I hadn't followed up with them since the last two times I was wasting my breath- I even sent screen shots showing the available balance line. I get passed from the brank division to the credit card division ( my line is XXXX + XXXX credit card. ) I was financially devastated by recent hurricane so now its a big issue. I have no idea how many times it has happened because I am a small business and constantly over drawn - which is not to say I think that's good or ok either but my husband became XXXX and so we are constantly scrimping and I often am not paid for XXXX - 60 days after completing a job so it happens. Branch Banking and Trust
Consumer complaint received 2018-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

I disputed with the EXPERIAN company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the disputes requested info i requested or response about when I will.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC (TX)

I applied for a loan with arrowhead XXXX advance. When I applied I was told I was approved and asked to sign the loan papers electronically which I did. After this i was contacted by arrowhead saying my loan wasnt approved but still pending. Throughout this process I was told I was approved and asked to sign loan documents three different times for three different loan amounts. I talked to several representatives at this company and advised them several times that I get paid twice a month on the first and the XXXX I was asked if I get paid and it falls on a holiday will I be paid before or after the XXXX in which I answered before I gave this information several times I sent several checks stubs I gave them access to two of my bank accounts which illustrate it the same thing. I made my first payment today on XX/XX/XXXX and receive a confirmation Email which is now stating my next payment will be taken out on XX/XX/XXXX which is days before my XX/XX/XXXX payday I called and emailed arrowhead and they want me to send more paperwork the same paperwork I have sent already! I do not want this company debiting my account and I do not want this next payment taken out if they are not going to stick to the terms that I agreed to that I have repeated over and over again I need this loan to be forgiven I am in Texas I do not have power I do not have electricity I do not have heat I do not have access to the Internet I have no way to send them what they are asking me for
Consumer complaint received 2018-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

On XX/XX/XXXX We made a payment as always to our mortgage company SWBC Mortgage who is also sister companies with XXXX XXXX. The agent received all of our information and " applied '' the amount to our loan. Couple of months go by and we start receiving foreclosure letters on a missing payment from XXXX. We fax in bank statements showing the amount was drafted from our account only for them to tell us it is not sufficient, they then start asking for a transmit XXXX form from our XXXX XXXX which our bank says they do not have or ever provide. After speaking to numerous agents and managers they are unable to help us and they do not know where the payment went, they open numerous cases and keep telling us they will reach back out to us. It is now XX/XX/XXXX we had to resubmit the payment for XXXX payment of XXXX and still have not received a refund or any word on what happened to XXXX payment. Nobody is able to help us the payment was apparently applied to the wrong loan and they know the mistake was their fault but they have not refunded our money nor stopped any foreclosure notices!
Consumer complaint received 2018-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (TX)

This account I c systems ( 11 attached XXXX XXXX ) on my credit record!!! has been transferred to a lot of differnt lenders!! It always shows different dates on my credit report when it's an old account because they keep transferring it to different lenders so the dates r always showing recent from this account!! when there actually from years ago!! Dates are not accurate it's an old account!! information is inaccurate!! Disputed it many times with XXXX XXXX to no avail!! This account has been removed from XXXX as of this month!!! It needs to be removed from XXXX XXXX as well!!!
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 I am getting hit with a hard inquiry from Kohls I noticed this on my XXXX XXXX account. I did not authorize any inquire had Khols department store. This was fraud and not authorized by me. I had called Kohls to tell them about this fraud and asked them to remove inquiry as I never went Into any of there stores or any of there outlets to try and get a Kohls card.

Kohls had said this shouldn't be a problem and that a rep would get back to me in 24 hours which never occurred.
Consumer complaint received 2018-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I received an alert via email from Experian letting me know that I had a 20 point drop in my FICO Score. ( XXXX-XXXX ) I logged into my Experian account to search for the issue, after searching I could not find the reason for the drop. So I called Experian to asked them the reason for the decrease because I can not find it on my report. The rep. ( XXXX employee # XXXX ) told me that the reason for the dropped was because I paid my Credit Card off " on time ''!!! I told her that I never heard such a thing ever. I asked her how can you tell that paying my bills on time can cause a drop in my score? She responded with " I am not a financial advisor " { but I will be happy to give you a number to one ; so they can explain why the drop in score and help you with credit ideas } I went on to tell her that no one loses points for doing the right thing by paying off your bills on time! She told me there's nothing she can do to change it back or investigate. I told her ... I never heard that a credit reporting agency can't help or investigate a problem for a customer with a legitimate issue unless its fraud within the company.
Consumer complaint received 2018-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I deposited a check for {$930.00} into my bank account on Thursday XX/XX/2018 and usaa put a 3 to 5 business day hold on it. I really needed the rest of that money this weekend because its XXXX XXXX and its my anniversary weekend. I tried talking to them but it did no good. I am very upset. I told them I am going to file a complaint with the cfpb and am switching banks. I do not know any bank that does a business hold for 3 to 5 days because its a paper check. The lady I talked to tried to get an exemption but it got declined because I had an automatic bill coming out but had insufficient funds due to something else that came out that I wasn't aware of before the automatic bill came out. Ok so in that case I didn't have any insufficient funds because I deposited that check for {$930.00}. I was very angry with usaa for this. Thanks usaa for ruining everything that we had planned this weekend with my family.
Consumer complaint received 2018-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Debt Recovery Solutions, LLC (TX)

I have reviewed my credit report and see A collection account reporting as " 12 XXXX XXXX XXXX '' with A number listed to contact the collection agency along with A NY address. And A Date open of XX/XX/XXXX. I immediately sent the company A debt validation request certfied mail as I'm 100 % certain I've never had any contracts or any obligations of debt with this business. I waited 30 days and no response. I then called the number listed on my report and noticed the name of the company I was calling was " Debt recovery solutions '' which isn't the name they're reporting under on my report it shows " 12 XXXX XXXX XXXX ''. During our communication via phone the representative says " XXXX XXXX you don't recall having A loan with check into cash in XXXX? '' I was shocked as on my report it says open date XX/XX/XXXX not XXXX. I explained to the lady that I have NEVER EVER done any business with this loan company in XXXX or XXXX and have NEVER had A loan with them. I asked her for the original documents showing I owed this debt and that it was valid. She advised they already sent the documents on XX/XX/XXXX which as of today XX/XX/XXXX I still have yet to recieve. I asked if I could have the company bonding information since they are in NY to search my state website to see if they are bonded and the rep refused to give me the information. I'm not sure if this is A scam company but Im at A stand still as this company is reporting inaccurately on my report and not providing the legal orginal documents to show this is A debt I supposedly owed. They openedly admitted to reporting incorrect dates also. I really needs help getting this resolved as I have exhausted all resources that I'm aware of.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I have been having an ongoing dispute with American Express about my refund. The issue first began XX/XX/2018, when they received a payment of XXXX that they were not supposed to have. They deducted funds from it and held on to my credit balance. The first dispute closed On XX/XX/XXXX and they still have not mailed a check. Instead, they have removed the credit balance so they can lie and say the money was never there in the first place.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NC)

The original creditor which is XXXX XXXX sent an account that never belonged to me to a collection agency called diversified consultants. I Received a letter in the mail from diversified consultant attempting to collect on a debt from XXXX XXXX. I sent diversified consultant a letter asking them to validate the debt and send me all information on this account, I asked them to send me a of contract or anything bearing my signature because I never had and account with XXXX XXXX. They failed to provide me with proof of what I asked them they sent me an itemized bill with a list of charges which is not proof that the account belonged to me. They failed to send me the information that this account was mines. I just checked my credit report and according to my credit monitoring they already listed the account on my credit profile without fully proving proof. The address is also not my address as well.
Consumer complaint received 2018-05-26
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: EQUIFAX, INC. (AR)

Equifax provided my credit information to XXXX without my verbal or written permission in XX/XX/2017 resulting in a hard inquiry. I contacted XXXX / XXXX numerous times and staff told me someone would call me back and never did. This went back and forth for over a month last year and I finally just gave up.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX   which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I have had the Chase XXXX XXXX card for a little over a year now, and use it for my XXXX purchases. As I do with all my cards, when I make a purchase, I pay it off immediately. I hav never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 

Without notice, without reason, and without response, my account was closed. ( Along with My other Chase accounts ). I am a recent XXXX XXXX, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know exactly how long the account has been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.
Consumer complaint received 2018-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

we have been paying our mortgage on time and all the money is going on the interest and nothing on the principle, we tried to talk to them about this with no results. we have been paying for 15 years and there is total of {$1600.00} is the only principle on the house. The. loan is for {$170000.00} and the house is valued at {$84000.00}. We filed for a deed in lieu of they took all the info, and then sent us a subpoena, they never called back about the paper work nothing we had to call them after receiving the subpoena.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

All Credit Bureau reporting companies including XXXX, Equifax and XXXX are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit. 

This in itself is FRAUDULENT and UNETHICAL. 

Please call them on my behalf.