davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

American Express only approves me for cards with a really high annual fees. They are trying to extort me for their annual fees. When I apply for a card with No annual fee they immediately decline me for the same reasons that they approved me for. I had over ten American Express cards in the past 5  years. My credit wasn't as good when they approved me for the cards previously. FICO score was XXXX when they approved me for several cards with the same info on my XXXX credit report. My FICO score is currently XXXX with same factors on my report.. And they are declining me. Most recently got declined for a Amex Cash magnet card. The cards American Express has approved me for in the recent years when my FICO score was XXXX are as follows. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Amex. XX/XX/XXXX Approved for a Platinum. XX/XX/XXXX Approved for a XXXX XXXX. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Card.  XX/XX/XXXX Approved for a Gold Card. XX/XX/XXXX Approved for a XXXX XXXX Card. XX/XX/XXXX Approved for a Platinum Card. There is a trend of American Express only approving me for cards with annual fees. When I got approved for all these American Express cards my FICO score was XXXX with the exact same report on today. Only today my FICO is XXXX according to the Bureau American  Express pulls XXXX FICO score base XXXX. If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. I spoke to an American Express rep on XX/XX/XXXX and the rep understood the concern and offered me to reverse the {$250.00} annual fee on my current Gold American Express card. The only reason American Express offered to do that is because what they are doing to me is wrong. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.
Consumer complaint received 2019-09-28
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: CITIBANK, N.A. (IA)

XX/XX/XXXX my credit report says I applied for some personal loan with Citi financial. I never did this I called company and they referred me to you guys. I left a message with you on XX/XX/XXXX. It made a hard inquiry on my credit report I have not had hard hit since XX/XX/XXXX. I want it removed or will take further action. I will wait for your response. Thank You
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WI)

My husband, an authorized user on my Costco Citi Visa card, was unable to use his card when he went to Costco. I logged on to the Citi online portal to see what was going on, and I noticed that I had missed a payment. I rely on US mail statements for record keeping and accounting purposes and as prompts to pay my bills. When I went through my old paper statements, I realized that I had not received a statement from them in 3 months! When I called Citi, they stated that I had opted in to receive electronic statements because I registered for online access. When I looked at my online portal with Citi, it stated that I was receiving statements by US mail. I know that I did not opt-in to receive electronic statements. The representative that I worked with over the phone, XXXX, thankfully claimed to waive interest and fees if I made a payment on my account over the phone. He did not investigate why I was only receiving electronic statements and not US mail paper statements even though my online portal states that I am receiving US mail statements. He also would not answer questions about when Citi reports late payments to credit bureaus. He said that he could not provide that information because he is not a licensed credit agent.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I first opened and deposited my funds according to terms and conditions required to receive the signup bonus on XX/XX/2019. 
After waiting the allotted 90 day period with my money in the acct, I reached out to see when I will receive the bonus. It was after the 3 months plus 4 months to receive. Then I reached out to the bank again and I have message records of this. The rep talked to the team lead manager and wrote back promising to deposit the funds after another 4  weeks starting from XX/XX/XXXX since the past terms and conditions. I waited again and now it is almost XXXX. I reached out again on XX/XX/XXXX reminding them that the 4 weeks is over and still nothing. They replied back asking me to wait 5 to 7 days and then again for 2 weeks. I am tired of waiting. This is obviously a scheme to keep money for as long as they want without giving back interest accrued. Their advertisement is false.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00}. 95 XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$22.00} XX/XX/XXXX- {$1.00} BANK FEE TOTAL= {$2500.00} I spoke with XXXX at Bank of America on XX/XX/XXXX to dispute the transactions and faxed paperwork of proof to fax number XXXX ; this is my XXXX account so I never look at it unless I have to and I never received any notifications from the bank stating that there was weird activity going on. A letter was sent from the bank to an unknown address with the results of my dispute, since I have never lived there before I did not know what the status was ; at that point I was already dealing with my brother getting severely ill. On XX/XX/XXXX I re faxed all paperwork to the above number since I had yet to hear a response from the bank. The bank states that since time has passed there is nothing they can do, but this is my money and way more than I can just give up on and I never received a letter if not I wouldve continued to fight it.

In the attachments you will see an XXXX summary on the transactions, steps taken, cards used, and address the letter was sent to. There are also a few statements to show that money was taken out, and it shows how often I actually use it and view it ( other transactions not included above are mine ). Finally, the locations that the transactions were made ; there are multiple XXXX XXXX ATMs along with views of the remainder balances. These transactions were made in XXXX XXXX while I was in my city of XXXX XXXX, proof of me being in XXXX XXXX is also included in the attachments ( my work log ins and emails ). The transactions themselves look fraudulent, the person checked balances and took the same amount every day at different ATMs.
Consumer complaint received 2019-05-05
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. (AR)

XX/XX/2019 I own a XXXX credit card, an XXXX credit card and had a personal loan with XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. 

As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( XXXX, XXXX and Experian ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. 

My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XXXX cycle dates. I have never experienced this situation with any other bank. 

VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting.  XXXX XXXX clearly is not in compliance with these rules. 

I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the XXXX cards and loan in full so my FICO, XXXX, and other scores will go up before completing the purchase. I have been waiting weeks for XXXX to do its job and update my information correctly. 

I called XXXX XXXX on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XXXX for my dispute to be solved. Nobody from XXXX was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. 

More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. 

I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by XXXX the next cycle. Is unfortunate that XXXX seems to discriminate the reporting time frame based on a good or bad status. 

Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that XXXX Bank will be able to resolve this situation and have my accounts reported to the credit bureaus by then.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted TransUnion more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarize letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed a letter with the name XXXX XXXX XXXX, which is not my name my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This making me give further verification to whom I apply with for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and need to be deleted : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX employment that needs to be delete XXXX, XXXX  Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Medical Compliance 's Officer They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # :XXXX**** Account # :XXXX**** They have yet to proved me with proof of an investigation and any reporting documents that this is my debt and reporting accurately
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I signed up for XXXX XXXX ( XXXX  ), an XXXX/phone provider, around XX/XX/XXXX. Though I only provided them with the last 4 digits of my SSN and never the full number, I learned later that they made a hard credit inquiry with Equifax. XXXX rarely if ever do credit checks so I went back to the signup form to see if I missed a warning that a credit inquiry would be made and I sure did find one on the right edge of the screen, not part of the signup form and written in vague language. I called them less than 24 hours from order time and demanded that they cancel it and ask the credit bureau to remove the inquiry but they refused stating that this is what they've always done. 

XXXX recently has changed their signup form on their website to explicitly include a warning of a credit check in the middle of the form. Obviously, something was broken and the fixed. The credit inquiry, however, still exists on my record.
Consumer complaint received 2018-12-20
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. (WI)

I sent a certified letter to all three credit bureaus, requesting to have this closed account from XXXX XX/XX/13 removed/ deleted from my credit reports. It has been well over 90 days and I haven't heard anything from them not have the account been deleted. This violates the FCRA law that States that the bureaus has a responsibility to respond to the request of all consumers within a timely manner.
Consumer complaint received 2019-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing has refused to remove the {$2500.00} charge for Other Deferred Amounts from our monthly statements. The amount in question represents three monthly payments they posted to our account subsequent to the date they purchased our mortgage. There are four issues in this matter. 
1. The {$2500.00} amount represents three payments of {$860.00} for the months of XX/XX/2014, XX/XX/2014 and XX/XX/2014. 
2. This amount was not included on our monthly statement when XXXX  XXXX XXXX was the servicing agent prior to the mortgage being sold to Shellpoint Mortgage. 
3. These charges were applied to our account by Shellpoint Mortgage Servicing retroactively subsequent to the date they purchased our mortgage from XXXX  XXXX XXXX. 
4. Paragraph # 4 of the modification states in referring to Deferred Principal Balance I will not pay interest or make monthly payments on this amount. 
The significance of this is with Shellpoint including this amount in the monthly payment statement it becomes Past Due which triggers inspection fees, late charges, Notices of Intent to Accelerate and other fees. 
This situation violates the terms of our mortgage. More seriously this mortgage has been sold twice in four months with serious problems in the transmission of the current financial data. My question, is this an attempt to defraud mortgagees with selling and transferring the mortgages?
Consumer complaint received 2019-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Thank you for the many corrections you made in credit report XXXX. IRS verified identity theft necessitates 8 matters requiring resolution : 1. Delete XXXX and replace with XXXX 2. XXXX XXXX/XXXX was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 3. XXXX XXXX/XXXX  was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 4. XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 5. TransUnion Interactive IN was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 6. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 7. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 8. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report Please reference attached .pdf file
Consumer complaint received 2019-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (IA)

I have been receiving harassing phone calls from Phoenix Financial. When I called back after a missed call today to find out who they were, they didn't identify themselves as a business, wouldn't tell me who they were, and stated they've been calling me for over a year so I should know who they are. The representative who I think was named XXXX XXXX, then hung up on me. I called back a second time and reached a XXXX who when ask, said he was with Phoenix. When I ask why they were calling he told me I called him and ask if we were going to play around on the phone, and this was an inbound line. He then also hung up on me. These collection practices are outrageous and the way i was treated is unacceptable.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I made an online payment in CitiGroup Credit Card account in time to pay off the balance of a balance transfer whose rate would change on XX/XX/XXXX to 22.49 %. Please note I made 5 calls to customer service at CitiGroup during the months of transfer period inquiring what my interest rate would be and was told every time they did not know what the rate would be- then when I called in XX/XX/XXXX( within 30 days of expiration ) I was given the new rate. Unreal! I have a high credit score and I was dismayed - I told that clerk that I would be paying off that part of my balance in time. He did not tell me to wait until the day AFTER expiration. Anxious not to incur high interest I paid ahead to make sure it posted on time. Logging in today I see they moved that balance to the " standard '' rate and that because I had another balance at .99 % they applied my payment to that and not the original sum. They quoted their agreement which says " highest interest first '' and refused to apply my payment of {$3800.00} to the balance in question.
Consumer complaint received 2019-05-05
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. (AR)

XX/XX/2019 I own a XXXX credit  card, an XXXX credit card and had a personal loan with XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. 

As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( XXXX, Equifax and XXXX  ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. 

My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XX/XX/XXXX cycle dates. I have never experienced this situation with any other bank. 

VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting. XXXX XXXX clearly is not in compliance with these rules. 

I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the XXXX cards and loan in full so my FICO, XXXX, and other scores will go up before completing the purchase. I have been waiting weeks for XXXX to do its job and update my information correctly. 

I called XXXX CSC on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XX/XX/XXXXfor my dispute to be solved. Nobody from XXXX was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. 

More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. 

I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by XXXX the next cycle. Is unfortunate that XXXX seems to discriminate the reporting time frame based on a good or bad status. 

Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that XXXX XXXX will be able to resolve this situation and have my accounts reported to the credit bureaus by then.