davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TN)

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by Cfsi ( Commonwealth Financial Systems, Inc ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to Cfsi ( Commonwealth Financial Systems, Inc ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, XXXX ) without Validation. 
Furthermore, Cfsi ( Commonwealth Financial Systems, Inc ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it.
Consumer complaint received 2021-06-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

CREDITACPT PORTFOLIO PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX DPT EDXXXX Are all negative accounts reporting on my file. They were not obtained by me.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (OH)

I had an account managed by Axos Bank N26 card. Their Internal team froze my account, and eventually decided to close my account and send me the balance in my account of {$690.00}. I received the check on XX/XX/2020 in the amount of {$690.00}. On XXXX/XXXX/2020. I went to cash the check, so I endorsed the back of the check, but I noticed the check had gotten liquid spilled on it, so when I went to cash the check it was refused because of the damage. I threw the check away in a local trash can. I then called N26 Axos Bank to let them know I needed a new check re issued. They informed me the check was cashed on XXXX/XXXX/2020, and they also said I endorsed the back the back of the check. I advised them of what happened, as I stated above. N26 Axos Bank refuses to re issue my check. I need assistance on getting the funds sent back to me at my home address.
Consumer complaint received 2018-05-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP (GA)

On XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from XXXX XXXX branch # XXXX, which is actually located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, but the letter was from XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX that claimed that I owe a debt to XXXX XXXX under account XXXX/XXXX. I do not have the debt they claim, since they tried to sue almost 2 years ago and was settled out of court over a year ago.
Consumer complaint received 2018-05-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (AL)

There are over 22 accounts of derogatory information listed by XXXX XXXX XXXX on my credit report. Nearly half of these accounts are outdated by standards of FCRA. I have requested debt validation on several occasions but I have been ignored. I do not have any debt or agreement for a debt with XXXX XXXX XXXX. They are in violation FCRA/FDCPA. Their foul behavior is ruining my identity.
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XX/XX/XXXX XX/XX/XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has been drawn out that 3 Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Dear Sir, I am a XXXX teacher and my wife is a private kindergarten teacher. I plan to have a refinance for our home and did the internet search, then Amerisave Mortgage Loan originator started to contact me on XX/XX/2021. First, he asked about my and my wife 's income and told us we can qualify for 20 yrs refinanced from 30 years. Then he pursued us to switch to 25 yrs mortgage since we might have a debts ratio problem to qualify for 20 years conventional loan mortgage. Here I want to say our annual salary from me and my wife has around {$90000.00} salary and currently we have around {$20000.00} credit card debt. We went through the credit check and he said we are all over XXXX credit score then he gave us the 25-year loan estimate with a 3 % rate and said we are qualified to apply. After we looked at the load estimate we found the bought 0.585 % points for costing {$1300.00} without disclosed to us from the beginning. Then he said if you plan to live your house for a long time, the buy points is good for us. He said our loan is approved at {$220000.00} with a {$5200.00} closing cost. Our home value is {$300000.00}. Our current mortgage balance is {$210000.00} in XXXX. He asked me to pay {$500.00} for the application fee to start underwriting, then after near closing. He told us that we need to pay {$10000.00} credit card debt to qualify the loan from their underwriting process for closing. Or the cost can add to my borrowed loan! Think of that, if we paid {$10000.00} credit debts, then our credit score should be shooting to a very high score since we have {$90000.00} income with only {$10000.00} credit debts, then why we have only had 3 % offer. I suspect it's their strategy to gain more profit for resale our mortgage. This is the broker who told us that his company resells mortgages to make more profit. If I did not have money to pay off {$10000.00} ( we do not have much cash in our account0, then he will add to our loan. It's unethical. We immediately stop our loan process. We lost {$500.00} and have no idea how much will cost us.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (MO)

I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

XXXX Not my Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX my debit card information was stolen and someone racked up about {$2000.00} worth of charges on MY CITIBANK checking account. when I went into the bank and explained my situation to the banker they told me they would investigate and my money would be refunded within 7 to 10 days. I went back to the bank weeks later and still no refund. I spoke with a representative from Citibank and she told me they sent me a letter in the mail that I never received that stated they were denying my claim and were n't going to refund my money to my account because it appears i racked up charges myself, she told me I needed to file a Police report and there 's nothing she can do. So I filed my Police report like she told me with an officer named XXXX, XXXX. in his report he states that he received survailance from one of the ATM 'S i had claimed to never been to before and found that somebody else was in fact at the ATM using my information. I went back to CITIBANK to submit the police report. the woman helping me told me that while they were investigating again the would send me " provisions ''. I never received any provisions. and on XX/XX/XXXX CITIBANK sent me XXXX letter in the mail stating they were deny my claim again. Im running out of options I hope your company can get me my hard earned much needed funds back. thank you
Consumer complaint received 2022-03-07
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. (MO)

I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

XXXX Not my Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX not my accounts- XXXX and Applecard/GS Transunion- not my inquiries XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX NA XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Retailer ) XXXX XXXX, XXXX XXXX XXXX XXXXK ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXA ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX inquiries XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry XXXX XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX BANK Inquiry date : XXXX XXXX, XXXX XXXX  XXXX NA Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX FXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-06-08
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. (FL)

The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX XXXX Experian ), and XX/XX/XXXX ( XXXX  ) which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on XXXX or Experian but a date of XX/XX/XXXX reports on XXXX
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

My Citibank checking account was closed after a bit more than 2 months without any explanation. Sequence of events : 1. XXXX XXXX - Account opened online. 
2. XXXX XXXX - While on vacation overseas, a letter was sent to me requesting a XXXX form. I did not reply to the letter until XXXX XXXX, when I returned from vacation. 
3. XXXX XXXX - Account was closed. A check for the balance was sent to my address. 
4. XXXX XXXX - Received a message from Citibank that a new checkbook has been sent to me. 
5. XXXX XXXX - Received a message that my account is now open. 
6. XXXX XXXX - Received a checkbook. 

I made two phone calls to Citibank support and have visited a branch once. 

On the first phone call I have been told that my account was closed and that I will receive an explanation for the closure via mail. To this date I have not received mail with an explanation or even a confirmation that my account was closed. 

On the second call I was told that the message telling me I will be receiving a checkbook is related to the check that was sent out for my closing balance. That was on obvious lie, as a week later I have received an actual checkbook for an account that was already closed at that point. 

During my visit to the branch, the CSR explained that my account was closed due to some document they were missing. He could not tell me which document exactly was missing. 

To this date : - I have not received any explanation as to why my account was closed. 
- I have not even received written confirmation that my account is in fact closed. 
- I have in my possession a checkbook that was sent to me after the account was supposedly closed.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My complaint is regarding Capital One 's non-compliance with the rule stating that I am to be informed of the reason for a denial of a credit application which they solicited. 

I have an active account with Capital One. I have very good credit with them ( and an excellent credit rating overall ). I received an offer last month for an " exclusive pre-selected offer '' because " I'm one of a few special customers. '' I completed the application on line and was immediately denied. I called Capital One, and the agent explained that by law, the company is required to provide me, in writing, an explanation for the denial, assuring me that I would receive it in 7 to 10 days. I waited four weeks, and still have not received any letter explaining the reason for denial. When I called last week for further explanation, the agent hung up on me. 

I have, however, received two more " exclusive pre-selected offers '' for the same card. Of course I will not waste my time, but I am still interested in why my application was denied. 

Thank you.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

When account was initially opened last year I had limit of {$1100.00} with minimum Payment of {$25.00} due per month. I always paid {$50.00} per month and was never late. My balance was around {$700.00} mid summer this year. XXXX decreased my limit two times without my knowledge. Went from {$1100.00} down to {$450.00} which was what I owed. Now this would surely affect my credit making it appear I owed what my limit was! Never received notification despite XXXX telling me they sent notices. Called them three times only to be told credit bureau reporting was factor and that the bank was responsible not them. Called XXXX XXXX and was told it was XXXX decision. Back & forth extremely annoyed! Finally received {$200.00} increase taking my limit to {$650.00} which is where it is now.