davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

My credit cards were abruptly closed by Citibank after having collected over XXXX Thank You Points over many years of daily use. I have put almost of my spending on their credit cards over the years to accumulate such points and Citibank simply closed my accounts without telling me why and took away all my points. This is absolute stealing for promising a rewards program to customers and then once points accumulate they just close the accounts and take away the points without reason. This is absolutely wrong and very dishonest of them to treat a loyal customer like me. 
Having contacted Citibank, they refuse to provide any resolution other than providing me an address to write to. They stated the accounts were closed by Citi and the points were taken away as a result. The points are worth XXXX of dollars and I have spent so many years collecting them!
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-10-11
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had signed up for transunion credit monitoring. I tried to cancel several times in the last six months, I am not able to cancel this service, no one answers the phone it is a constant busy signal, I tried emailing them and could not, there is no way to cancel this service. I went to my bank to stop the payments and they said it has to be handeled with transunion. I can not even access the transunion account.
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a car for my then husband in XXXX XXXX that was financed through Santander. In XXXX XXXX when our divorced was finalized, our divorce decree stated he was responsible for all payments on the vehicle. This was forwarded to Santander who stated they could not honor the divorce decree and the loan was still my responsibility. My ex husband continued to make payments sporadically then decided he no longer wanted the car. I tried to continue the payments on them but just could not financially afford to. The vehicle was voluntarily surrendered to Santander in XXXX XXXX. They have sold the vehicle since and reported the unpaid balance as a charge off/repo. However they are also reporting it monthly as a late payment. If the loan has been charged off, why are they continuing to report a late payment monthly.
Consumer complaint received 2022-09-06
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There are XXXX items on my report that I have disputed now for about a year and all the bureaus has said is they have investigated and it remains. If they did they would have seen what I am disputing. XXXX company, XXXX, keeps reporting the original amount I owed on both accounts, instead of doing a reducing balance method. I have my receipts and I spoke to them about it too. The woman there told me she would not change the balance until I was done paying it all. I am paying XXXX the same deal and they reduce my balance every month that I pay. I have disputed it twice before and lately again. No response. 

The other thing is from credit XXXX cc company. They sold the bal to a collection XXXX. They are both reporting this on my credit report. I have spoken to both of them and no response. Now I have disputed it with transunion and XXXX has gone ahead to report it as brand new in XXXX. Both are still on my report. 

I would like to have those items either reported correctly or removed and not to started over as XXXX is now doing. 
Thanks.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/2020, I was looking to refinance my home. I entered my information of on a site that would give me options for a company to refinance my existing loan. Almost immediately I received a call from XXXX XXXX at AmeriSave Mortgage. I entered my information online and I spoke with XXXX on the phone. He promised me a rate around 3 % and conned me into paying a {$500.00} application fee. I paid the fee and XXXX was very difficult to get a hold of. I did call the company and left a message asking for my {$500.00} back, but I received no response. For the past few weeks, XXXX has been sending me almost daily automated emails asking for my homeowners insurance including a bill that show that I am paid in full and a statement with the replacement value. Each time I resend the information. The next day, I get the same automated email. I send the information again. No call, no explanation. I feel that XXXX tricked me in to paying the {$500.00} and I just want my money back. Thank you. XXXX XXXX
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/ I opened a Citibank checking+savings accounts thanks to the promotion Citi was running at that time. Specifically, {$700.00} bonus for opening an Account Package andmaintaining $ XXXX balance for 60days. I'm attaching the terms of the offer I enrolled in below. Shortly after I met all the requirements of this offer andwas waiting forthe {$700.00} bonus to post, Citibank closed my accounts without any explanation, citing only " business reasons ''. I was very confusedbecause except for the initial deposit of {$50000.00} there was no activity on my accounts at all. My multiple attempts to resolve the issue with Citibank customer service were unsuccessful.I understand that Citibank can refuse to do business with anyone, but in my case the bank obviously benefited from holding my deposit of $ XXXX without paying interest and then refusing to pay the promotional bonus as was advertised. I believeclosing accounts right after all the requirements of an offer are met and refusing to pay is an unfair and deceptive practice.
Consumer complaint received 2015-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Solutions Specialist, Inc. (TX)

A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.
Consumer complaint received 2015-05-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (MO)

NE Credit Collections is reporting to my XXXX credit file a collection in the amount of {$640.00} with a delinquent/open date of XXXX/XXXX/XXXX for XXXX XXXX XXXX. After research, I found that XXXX XXXX XXXX is located in XXXX XXXX XXXX. I have not lived in XXXX XXXX XXXX since XXXX. I lived in XXXX, XXXX from XXXX, then moved to XXXX in XXXX XXXX to XXXX XXXX. I have been at my current residence in XXXX since XXXX XXXX. They are in federal violation of inaccurate reporting/re-aging a debt with a delinquency date of XXXX/XXXX/XXXX. Furthermore since I have lived at my current address since XXXX XXXX, they are in violation of not sending out a 30 day collection activity letter to me for validation of debt as this debt was paid by medical insurance in full a long time ago. I disputed with XXXX but NE Credit Collectors came back to XXXX that it was mine debt and it remained on my credit file as disputed. This has caused me to be denied credit at times and caused harm to my credit file. I can prove my residence dates and if this is not deleted immediately, I would like FCRA penalties and fines levied on NE Credit Collection and proceed with litigation. This is inaccurate reporting of dates and a debt not owed and should be deleted immediately. This is also a HIPPA privacy violation.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paradigm Assets, LLC (FL)

This item was included in my Chapter XXXX Bankruptcy that was discharged. I gave the accurate information to the company, JHPDE FINANCE I , LLC, called them and told them, called and sent the information to XXXX, and the account still is on my account as a " Collection Account. '' The debt buyer is claiming an OPEN BALANCE of {$5000.00} from the original debt they bought. However, the balance was DISCHARGED in my Chapter XXXX Bankruptcy and I DO NOT OWE that debt. JHPDE FINANCE I , LLC is reporting the balance as an open Collection Account that I owe to them in the amount of {$5000.00} from the original debt that was discharged. I told them this and to verify it has been discharged and sent them proof and they still report it. 

The XXXX cards and accounts I had have ALL been discharged through my Bankruptcy, and as a result should NOT be showing as a collection account. 

A debt buyer bought a XXXX account that was discharged in XXXX, but they are claiming the account as unpaid and open as a Collection Account AFTER my XXXX discharge. This is incorrect and needs to be REMOVED. 

ALL of my debt was DISCHARGED in the XXXX, including this account.
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CrossCountry Mortgage LLC (OH)

My loan officer was lazy never called or emailed me we asked to be put in the no money down payment from the beginning and he never submitted our application then he lied so many times to us We had to use all our savings for the down payment because he did n't accommodate us he never answered our calls or emails He was extremely lazy we asked him to lock in our rate with such a great credit score that we had he still charged us XXXX And when we wanted out thenow he told us we will get sued this was one of the most uncomfortable experience I 've ever gone through then to find out the loan officer bank is no longer in service I just wan na cry ps I dint think it was in service at the time of the transaction
Consumer complaint received 2020-05-01
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. (LA)

I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

After advertising and advising me a debt consolidation loan would payoff outstanding amounts they denied me a loan- That same day we purchased a new vehicle- score XXXX XXXX respectfully. They did NOT take into consideration we were paying and based their loan rejection of evidently erroneous information! See attached!
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I began the short sale process XX/XX/XXXX with Everbank Mortgage and XXXX. I submitted all requested documentation several times over and complied with all requests. Everbank approved the short sale XX/XX/XXXX. XXXX verbally agreed to an amount they would receive from Everbank. Then, XXXX sold the loan to XXXX who has now asked for over twice the amount that XXXX had agreed to and Everbank, who is the XXXX Mortgage, will not agree to more than {$6000.00} to the XXXX. Neither one is willing to negotiate to conclude the short sale and the only one that will be hurt by this is myself and my husband, who will now have a foreclosure on our credit. If the investor agreed to an amount with XXXX prior to them selling the loan at the last minute to another servicer, then why would n't the same servicer agree to the same amount? This is the new servicer trying to recover funds that are not available in a short sale. How was XXXX even allowed to sell the loan at the end of a short sale negotiation? This is unethical. I am asking you to please get involved to help get this short sale completed.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

I am not sure this applies but here is what happened ... 

Today I made a reservation through XXXX for a hotel room in XXXX XXXX, CA. I entered the wrong date and realized my mistake within XXXX minutes and called XXXX to see about a date change. The room was originally XXXX and they wanted an additional XXXX to change the date ( this included the XXXX date change and the rest is the penalty fee ). 

I went back and looked and of course in the small print it says no changes but I did not notice that while make the reservation. It just seems a bit steep to charge XXXX to change the date of a reservation XXXX minutes after making it. Any help would be great or at least put others on notice so they do not fall for the same thing! 

XXXX XXXX
Consumer complaint received 2015-07-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I attended XXXX University and paid off XXXX of my Navient Loans approximately 4-5 months ago, and still have not received a " Paid in Full Letter '' as promised by them, several times. Therefore, I am sure that this loan is still negatively impacted my credit.
Consumer complaint received 2022-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX XXXX-Charge-off, BK OF AMER XXXX Date Opened : XX/XX/XXXX  Balance : {$14000.00}
Consumer complaint received 2020-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

OnXX/XX/2020 I received an email from PayPal that they have permanently limited my account, the email reads as follow : " Hello, XXXX XXXX After a recent review of your account activity, we've determined you are in violation of PayPal 's Acceptable Use Policy. As a result, we've permanently limited your account.

Please remove all references to PayPal from your website ( s ) and/or auction ( s ). This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart.

Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, any funds on your account are held for 180 days. After 180 days, if applicable, we'll contact you with information on how to withdraw any money in your PayPal account '' After not knowing of any wrongdoings I tried to contact them by phone the following days but was not giving any information on how I violated their policy, the only response from them was that its an irreversible decision.and there is nothing to do. so with nothing to do my only thing was to wait, I had over $ xxxx in the account and they wrote that they will let me withdraw the money
after 180 days, but lo and behold On XXXX XXXX they deducted the amount I had, to themself ( Writing in the Memo that its a

payment to PayPal for the damages caused by acceptable use policy violation ). this is unacceptable and inexcusable I need an explanation and they should deposit back the money into my account.
Consumer complaint received 2022-02-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Around XX/XX/2022, my Bank of America Visa credit card was declined. I logged into my BOA credit card site and could not access the account since it was closed by Visa. I called the number on the credit card and spoke to a customer rep. She stated that there had been suspicious activity on my card and she closed that account. She was to sent me new cards with a new account number, which she did. While she was opening the new account, I was able to see my billing statements. It showed an " ACH payment refund '' on my XXXX bill. I told the rep that I did not authorize this and didn't even know what it was. I told her that I was disputing this transaction. Over the following 3 weeks, there has been no indication that the charge had been contested. Because of this, I have had about 7-8 telephone calls with Bank of America Visa XXXX all with various reps and occasionally with the fraud dept. ( so I was told ). These call have often been over an hour and one time two hours, mostly on hold. If you are placed on hold too long, the call is transferred to the beginning of interaction and you have to start over again with a new agent. To date, I have not had this unauthorized charge removed and I have been charged interest for 2 months. I did receive 2 letters dated XX/XX/2022 and XX/XX/2022 ( enclosed ) but the second letter 's resolution makes no sense to me. No one I called was able to explain it to me. 
Apparently this is not a new fraud for BOA Visa. This website from about a year ago basically states the same thing that is happening to me. So BOA Visa knows of this scam yet is unable to train its reps to handle this problem. 
XXXX XXXX XXXX
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian continuesto claim they have verified a XXXX account, XXXX XXXX from XXXX XXXX XXXX From XXXX, XXXX XXXX XXXX from XXXX and I sued these companies and have a legal settlement from both that they 've requested the accounts removed. Experian refuses to comply.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (MI)

I have notified this complany both in writing and on the phone that this debt was included in bankrupcy and that the debt is over 10 years old they refuse to take it off my credit report and keep readding it and keep trying to collect on this debt I am sick and tired of this I want it off or I am prepared to sue for defermation of character and for the damage it has done to my credit
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks