davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

CFPB team please review Citibank issued Credit card ( Citi DoubleCash Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have accumulated thousands of dollars of charges on the account for which Citi has charged up to 4 % to each merchant i did business with. For tens of thousands of dollars in purchase at the end of the year I earn the Cash back that Citibank stole from me. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my cash back rewards back for each one of these cards : Citi Double Cash Card XXXX $ XXXX {$250.00} Cash Back that was never credited back to the account for purchases I had made until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested all my cash back on my account to be redeemed and credited back to my bank as a ACH payment or check to be issued. Citicards & Citibank is refusing to give me the cashback for which they had clear terms and conditions to honor their rewards. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying high interest rates for the charges. 

I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2020-09-23
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: BANCO POPULAR DE PUERTO RICO (NY)

The credit card 's annual membership fee posted on XX/XX/2020 of {$140.00}. I called in and spoke with a representative and informed them I was not interested in paying the annual fee and did not want to renew for another year of membership and told them to close my account. The representative proceeded to close my account. The representative made no mention that I still had to pay the fee that is on the account. I called the bank back 2 weeks later since I still see the fee was still in the account and not refunded back, even though my account is now closed. The representative I spoke with now advised that I have to pay the fee and that they can not remove it and that they can not do anything because their hands are tied. I even asked to speak with their manager, and they would not let me speak with their manager and also advised they can not do anything. As a result, I am being charged for something that I will not be receiving any benefits for. This is basically the bank stealing from their customer. I am being forced to pay for the annual fee where I will not be receiving anything back.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

We have a mortgage on our home through XXXX XXXX  in XXXX. Over the past 15 months ( XXXX XXXX- XXXX XXXX ) they have reported my monthly mortgage payment past due 30+ days XXXX ( XXXX ) different times, and I can prove with bank statements that the house payments have been were automatically drafted from my bank account by XXXX XXXX  directly within the first 15 days of every one of those months. I have tried three different times to contact XXXX XXXX directly, but they have failed to correct these reporting errors. Our credit scores have fallen drastically down into the 500s as a result of these inaccuracies on our credit reports, which has added a great amount of stress to our household. We are requesting that these negative marks be DELETED IMMEDIATELY. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (WA)

~As an astute business person I keep daily tabs on finances, credit monitoring, account balances of anywhere we use money. 


~We pay extra on our mortgage each month to see balances decrease, aggressively paying down any debt. Well, I didnt expect to see this though from Equifax. 


~On XX/XX/2020 I noticed all of our accounts paid to zero, {$0.00}, across the board at Equifax XXXX 
XXXX and XXXX were not affected. 


~My open accounts regarding Equifax credit report, alarming to say the least. 
XXXX XXXX XXXX XXXX showed {$0.00} owing ... in good standing XXXX showed {$0.00} owing ... in good standing XXXX   showed {$0.00} owing ... in good standing XXXX XXXX XXXX showed {$0.00} owing ... in good standing. 

~Note : XXXX receives an additional {$1000.00} each month to reduce the term from 30y to 10y Mortgage. 


~I first called check my phone applications to see what each institution were reporting back to me. Then verified by calling each lender. 
XXXX XXXX XXXX XXXX showed me about $ XXXX owing and on auto withdrawal XXXX showed about {$19.00}, XXXX and on time on auto withdrawal XXXX showed $ XXXX and on time on auto withdrawal XXXX XXXX XXXX  showed $ XXXX and on time on auto withdrawal. 


~I then spoke to an Equifax customer service employee who told me that is what the lender reported to them was XXXX. She suggested that I call the lenders and suggested if they could repost my balances. She said it might be worth a try to get the correct information reissued but all accounts were showing paid. My credit score with Equifax actually dropped. This concerned me as I like to understand why there is a 15-20 point swing. 

~It was suggested I open up inquiries for the four accounts with erroneous info. Investigations were conducted at each lender. Following the balances being sent to Equifax the score bounced back up. A change happened negatively when XXXX XXXX made a remark about the credit inquiry I made, both Equifax and XXXX  lowered my score 9 and 11 points respectively. This is frustrating as this was because of an error made by Equifax. My scores with stellar credit should be affected by their errors. I have enjoyed XXXX credit scores before this happened.
Consumer complaint received 2020-11-02
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)

I've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

I have like 8 accounts from Navy Federal Credit Union stating that these accounts are mines but the social security numbers and address wrong but they're on my Early warning as mines. I sent my ss card with my ss number and my driver license number which is all different. These are not reflexing good on my part of opening checking account and i would like them removed.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

My name is XXXX XXXX. 
My mortgage servicer is United Wholesale Mortgage. 
My property address is : XXXX XXXX XXXX XXXX XXXX, Florida. 
My loan number is : XXXX United Wholesale Mortgage failed to give me 45 days time period to purchase wind insurance. 
As per federal law United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance. 

They have purchased insurance ( XXXXXXXX XXXX ) and charged my escrow account. 
The period covered of their purchased insurance ( as per evidence on file ) is XX/XX/2022 to XX/XX/2022. 
The amount they charged for the insurance is : {$1500.00} I am asking them to refund the full amount since the proof of insurance was delivered to them as they also mentioned in a letter I received and they have failed to respect the 45 days period of time. 
I didn't receive the refund from United Wholesale Mortgage even if I persistently request it and notified the company. 

Please see attachments.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Account number XXXX This collection account is showing on both my XXXX and Equifax credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my XXXX and Equifax reports. 

Thank you
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

According to the current servicing company XXXX XXXX XXXX XXXX, JPMorgan Chase Bank, charged my mortgage account a total of {$300.00} in fees called " corporate advance fees ''. Chase charged me XXXX almost everyday. I dont know why and they are lying about it. First they said it was a legal fee. Now they say it's for inspection fee for everyday for two years. My property was never in foreclosure with Chase. And they are taking advantage of hard working people. They bank are hurting people by stealing from us with unjustified fees. They do it little by little hoping people don't recognize their actions. Why was I charged these fees that XXXX XXXX XXXX XXXX forced me to pay. Chase and XXXX XXXX XXXX XXXX  are not working for the people. Their consumer are investor not working people. They are stealing money from us through illegal fees. Please help!! 
Give us our money back.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

ACCOUNT RESTRICTED ON XX/XX/2019, WENT INTO THE BRANCH AND RESOLVED IT ON XX/XX/2019. 

XX/XX/2019 ATM ACCESS RESTRICTED AND WENT INTO THE BRANCH TO ON XX/XX/2019 AND COMPLETED A PIN RESET TO RESOLVE IT XX/XX/2019 ONLINE ACCESS RESTRICTED, AND THE USELESS LOSS PREVENTION TEAM IN XXXX ASKING ME TO STEP INTO A BRANCH TO VERIFY MY IDENTITY AND RESET MY ONLINE ACCESS.
Consumer complaint received 2019-01-15
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. (FL)

On XX/XX/2018, I noticed there was a US BKPT CT dismissed listed on my Experian Credit report. On XX/XX/18, I sent a certified letter to Experian asking them to validate this listing, which they received and signed for on XX/XX/2018. I received a reply from Experian on XX/XX/18, stating that " The company that reported the information has certified to Experian that the information is accurate ''. On XX/XX/18, I sent another certified letter to Experian, which was received and signed for on XX/XX/18, asking them how they validated this listing, and to provide me copies of such. I received a letter dated XXXX, from Experian stating " We have previously processed your dispute and the credit grantor has verified its accuracy. I also received and have attached a copy of the letter dated XX/XX/18, stating, " ... .public record items, which are obtained from courts and other government offices. 
I have attached a letter from U.S. Bankruptcy court stating that they do not report nor verify this information. Experian is knowingly and deliberately not abiding by the FCRA 623 ( a ) ( 5 ) and FCRA, Section 609 ( a ) ( 1 ) ( a ) law ( s ) that govern them.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I just became aware of an account from XX/XX/XXXX from saying I owe XXXX dollars from a XXXX bill. I still have XXXX XXXX and I don't owe them. My account is up to date. When changed were made to my account I was told everything transferred over which it did because I paid for it. Now here it is XX/XX/XXXX and this show up as collections on my credit report. No one from XXXX has ever contacted me stating that I owe money.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (VA)

I paid the debt for Ann Taylor XX/XX/2020 received a call this morning from XXXX a phone number registered in XXXX XXXX, VA to call XXXX regarding a complaint # XXXX. I called XXXX and this number is no longer in business. I called XXXX and was threatened with a law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
First he said he mailed a letter to my current address on XX/XX/XXXX. Then he said he mailed a letter to my old address from the XXXX 's. He said I will be sued in court. 
I called XXXX XXXX XXXX and they said they do not have a location at XXXX XXXX XXXX XXXX. I called Ann Taylor credit card and they no longer have a credit card for me and it is showing as paid. The Supervisor said this is a scam and to report the caller. 
I have records of my paid receipt.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

Hello I have been subjected to ongoing harassment by Macy 's credit card division since at least XX/XX/2019. Their latest action is what prompted me to file this complaint. 

On XX/XX/XXXX I spoke with Citibank which apparently handles debt collection for Macy 's, or at least that's what they claimed in a letter signed by XXXX XXXX SVP at Citibank. Their representative offered me to enter into the settlement of the debt. I attached the letter from Mr XXXX with this complaint. According to the letter once I paid {$110.00}, I won't owe anything to Macy 's.

However, today I got a letter from Macy 's demanding that I pay them {$140.00}. The letter is also attached with this complaint. Amusingly, the letter mentions that I'm enrolled in a settlement agreement, and in the summary of activity also shows that I already paid them settled amount {$110.00}!

I am planning to sue the Macy 's in small claim court for their brazen harassment, but wanted to bring your attention to their practices. 

thank you, XXXX XXXX
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A collection item with XXXX XXXX XXXX is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being  reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract to me
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DE)

some one was able to add themselves to 2 of my XXXX XXXX cards in XX/XX/2017. now equifax put back one of the account on my credit report after it was removed in 2017. They seem to have a very poor and faulty reporting system. 

I called them in march of XX/XX/2017 to remove this person from my account, and there after they allowed charges to continue on the account after i request this fraudulent person be removed from the account. 

By XX/XX/2017 after the account was closed i had a credit balance on the account.. 

Between XX/XX/2017 and XX/XX/2017 i spent son many time and money to fix this breach, and now they are showing bcak the card on my report as a charge off. 

This is totally unacceptable, i need them to correct the error they are reporting. they are also reporting my td bank as closed when it is open. 

Why are they still allowed to be in business? They are totally not a reliable source of reporting. 

I need to file a claim against them
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have recently submitted a dispute with transunionXXXX XXXX, and XXXX. I have five closed accounts that where paid off in full but are still being reported on my report. I was told by each creditor that if I paid off my closed accounts they would be remove from my report and that was false. I let all three bureaus know of this falsehood and I have not received any response and the last thirty days Section 15 U.S. Code 1692e states False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. These accounts are not associated with me there is no original contract with my information
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (SC)

No Debt Validation letter. I had no idea they had a debt owed to them by me. They Haven't even told me what the debt was relating to nor provided any documentation to me. I was never given written notice, so I could formally dispute the debt. Yet they reported it to a credit bureau XXXX XXXX XXXX ).
Consumer complaint received 2018-12-26
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. (MN)

Sent letters to XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called and spoke to XXXX on XX/XX/XXXX about the late payments in the past and asked for a goodwill adjustment for the late payments. 

Never got a letter from the Credit Union.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been going back and forth with XXXX XXXX XXXX XXXX in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.