davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One has closed one of my 2 credit card accounts for not having activity. I inquired with their customer service team and was told that if there is no activity in over 36 months they will close the account. Unfortunately this has affected my credit history negatively because of my credit age. I requested to re-open the account and I was told I would have to apply for a new account, that would make my credit age even worse. I asked why was the other account not closed which also had no activity in over 36 months. I was told there were payments made. I stated those were payments for an annual fee, they stated that's still activity. The one they closed did not have an annual fee. 
They are arbitrarily leaving accounts alone if there is no purchase or cash advance activity but still have an annual fee because it is still generating revenue. I would like to have them reopen the account so I can maintain my credit age with the credit bureaus.
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, Capital One Bank  USA/ XXXX XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both Capital one and XXXX they can not find the inquires and no one will answer at XXXX XXXXXX/XX/XXXX XXXXXXXX  is sending me a letter with the information to call the company but I did not open any new accounts.
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (FL)

On XX/XX/XXXX, I filed the Unified Home Loan Application with the mortgage lender Eagle Home Mortgage , LLC. a subsidiary of Lennar Homes, INC. I paid Lennar Homes  a total of {$4500.00} as an initial down payment to take the newly built home off the market in XXXX, FL, and the Lennar Homes New Home Consultant/Sales Agent, together with the Eagle Home Mortgage Specialist, pointed me to a Federal Housing Administration loan due to its low percentage cost of initial down payment. 

In my application, I was transparent with Eagle Home Mortgage about my citizenship status. I am not a U.S. citizen, nor a U.S. permanent resident. Instead, I am an asylum applicant with a XXXX XXXX work permit and social security number, as I have been awaiting a final decision on my XXXX  claim since XXXX. My work permit is renewable every 2 years and I am continuously authorized to work in the United States. 

Eagle Home Mortgage and Lennar Homes carried me through the home purchasing process with an expected closing date of XXXX XXXX. I complied with all of the requirements for documentation, income levels, and debt-to-income ratio terms of the Lender. My original Purchase Agreement stated that I could cancel the contract with a penalty of {$250.00} on my original {$4500.00} deposit within 30 days, but as 30 days and more went by, Eagle Home Mortgage did not mention any issues with my application, which indicated that I did not need to cancel my Purchase Agreement. 

On XX/XX/XXXX, after having granted me a conditional loan approval earlier on XX/XX/XXXX, a home inspection, and submission of numerous documents that were requested, Eagle Home Mortage informed me that they had " come across information '' indicating that I would not be eligible for an FHA loan, and denied my application. 

As of XX/XX/XXXX, following multiple requests for information and attempts to make contact with both the lender Eagle Home Mortgage and its parent company Lennar Homes, I have not received a detailed letter explaining why my loan was denied, what information they came across of, and why their decision contradicts the exact specifications of the Housing and Urban Development Single Family Housing Policy handbook and Federal Housing Administration guidelines for issuing FHA-backed loans to non-U.S. citizens, and they have also not returned my earnest money held in an escrow account despite the cancellation of my loan application and the sale of the home to another buying party only two days after I was notified of my mortgage loan application being denied.
Consumer complaint received 2022-09-12
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; SXXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; ( Original Creditor : T XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

I use paypal like countless other americans. Everytime I receive a payment though, paypal holds my money from me with no explanation or reason. I call the company and they tell me that all I need to do is link a bank ( which I can not because my account was hacked ) or to get a paypal prepaid card. I have a valid prepaid card in my possession. The card number is XXXX XXXX XXXX XXXX. I received a payment from a regular customer. They are holding my money AGAIN. I'm sick of it and I want something done about it this time. This is at least the 10th time they have done this. With the COVID-19 scare, I need my money. They completely shutdown and do not resopnd to messages for several hours if at all. I am tired of this service but have no choice because thats how my whiny clients want to pay. I need my money to help a loved one affected by the virus and Paypal continues to play games with me. At this point, be warned that I can not be held responsible for what happens if my loved one dies and my money not being accessible was the reason why.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Ive requested over 10 times for Equifax to update my personal data to show up-to-date information. They continue to state the previous addresses have been removed from my credit file. But as XX/XX/ the information still remains. As soon as this is not up to date this increases my changes of having a mixed file and destroying my credit file.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

To whom it may be concerned, I recently found a lot of my Citi Thankyou points missing. I was appalled to find no transaction history about the missing points through my Citi online account. When I call Citi, I was told by the representative that XXXX Thankyou points were forfeited on XX/XX/XXXX. It was due to the closure of my Citi prestige card I made on XX/XX/XXXX. Actually the Citi prestige card was closed through an automated system and it was done right away without any warning. Although Citi claimed that they notified me by letter that the Thankyou points earned through a closed card would be forfeited if I didn't move or use the points within two months, I was easily misled by Citi 's unclear explanation.

My Thankyou reward was sponsored by both of my XXXX XXXX XXXX access card and the prestige card. When the prestige card is closed, the Thankyou reward account is still valid since XXXX XXXX XXXX card is still open. Citi didn't give explicit statement for forfeiting points in this situation. In fact, the common practices in the industry such as XXXX XXXX 's membership rewards and XXXX 's ultimate rewards are all your reward points are safe as long as the reward account is open. Meanwhile, Citi didn't make the points earning through different Citi cards separated. It didn't show my missing XXXX points are earned through the Citi prestige card and the rest are earned through XXXX XXXX XXXX card. This also lead customers like me to think the points in the entire reward account are the same. 

Citi 's practice of forfeiting rewards is very unclear, misleading, and unfair. Every reward point is earned hard by customers like me. I use the prestige card for more than 3 years to earn this amount of points. For me, the missing points have a worth of more than 500 usd. However, it was taken from Citi in a very surreptitious manner.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MA)

I had a credit card with XXXX XXXX XXXX. I settled that debt through XXXX XXXX XXXX in XXXX. At some point, XXXX. XXXX XXXX sold the debt to several debt collectors who have been harassing me and leaving threatening messages. The most recent one was threatening to garnish my tax returns. Previously they would continue to call and call me poor .... continue to harass me for being a loser and not being able to pay my bills. I keep blocking the numbers and asking them to stop calling me. Ive explained that Ive settled this debt. They keep using new numbers and becoming more threatening.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian, I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. Yes, you may have investigated it but you did not investigate it properly you also do not get to keep restarting the clock 60 day and 60 days and 60 days. You have the original 45 days and once I sent that mov 15 days from then. You all have done this since XXXX. You received my certified mail on XX/XX/XXXX, again on XX/XX/XXXX. You could not produce a ( wet signature ) signed contract for these accounts proving they are mine furthermore I have documentation from these companies showing I have no business, debt with them. What you are reporting is not MINE. 
The following account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MA)

I received a promotion from Citibank to open both a Savings and Checking account and if a minimum of {$15000.00} between both accounts stayed in the accounts for 60 days, I would receive a {$400.00} bonus. The bonus was to be paid within 90 days after meeting the criteria. I opened my accounts XX/XX/XXXX and they were funded XX/XX/XXXX. The promotion stated the accounts had to be funded within 30 days of being opened. I met this requirement. I had a combined balance of {$15000.00} or above, which I actually still have to this day, which meets the 60 day requirement on XX/XX/XXXX. If calculating 90 days from that, I should have received the {$400.00} bonus by XX/XX/XXXX. I have yet to receive it. I've had two online chat conversations and spoke with a XXXX, a personal banker, who all confirmed I have a promotion associated with my accounts and I indeed met the requirements. A case was opened and researched and I have since received a letter stating no promotion was associated with my accounts. I don't see how this can be the case other than that Citibank does not want to pay it out. I have no branches near me so the only way I could have opened my accounts was through the link that I received. 

Also, when opening the accounts I never received any welcome packet, account information, or disclosures which is a violation of Reg DD, correct? 

I am extremely disappointed with Citibank, who is a billion dollar corporation, and should have better business practices than this. I would like for my {$400.00} bonus to be deposited into my account as was expected. 

Thank you.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Loan began XXXX 2009. Original note : XXXX. Appraised value : XXXX. Conventional loan. Never missed a payment, auto withdrawal from bank acct. I have contacted BofA numerous times over the last 6 yrs attempting to have the PMI dropped. Customer service has given me many different responses, including it will NEVER be done. Last person I spoke to 18 months ago told me to wait for about a year and my loan balance will then drop to less than 78 % of original amount, and it would AUTOMATICALLY be dropped. I waited 12 mo, called back, only to be told to wait a few more months. In the meantime, each call generated a letter to me advising me that I would need to have an appraisal done to have the PMI dropped, and that even then, the bank has the option to refuse to drop it. WHAT? What happened to the FEDERAL LAW that states the bank must terminate the PMI when the loan is less than 78 %? Today, I called AGAIN and was now told that the bank does NOT have to terminate it automatically, that I have to REQUEST it, and all they can do is send yet another letter telling me I need to pay $ XXXX for an appraisal that BofA may reject!! How can they get away with this? What I want is the PMI to be TERMINATED per Federal Law. I want reimbursed for any PMI they charged me for since the TIME my loan met the Federal Law requirement.
Consumer complaint received 2024-01-31
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX XXXX ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX  See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.
Consumer complaint received 2021-03-01
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: BARCLAYS BANK DELAWARE (NJ)

I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXX XXXX XXXX/BrclybankofDE. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and XXXXr, they can not find the inquires and no one will answer at Barclay bank of DE. XXXX is sending me a letter with the information to call the company but I did not open any new accounts.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024 I sent a certified letter to XXXX XXXX XXXX showing that my wife and I refuse to pay the debt they are trying to collect. My credit reports were pulled from annualcreditreport.com is still showing a negative item from them and shows that I am disputing the account. How can I be disputing the information AND refusing to pay the debt. I've attached the receipt, the letter, and a credit report showing the information.

They are also trying to charge interest on the debt. My lease with the apartment complex does NOT have any language stating that interest may be charged in any event. That is against California state law.

I demand that this be removed from my credit reports due to many errors. Laws state that they can only report things that are accurate.
Consumer complaint received 2021-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NM)

XX/XX/2021 I spoke with XXXX from Freedom Mortgage. She said I did not have account with Freedom Mortgage. I gave her my loan number. Phone, address, and my name. They said over and over she did not understand. They have me and husband social security numbers mixed up. They have my name misspelled. They have everything mixed up. The mortgage company has a hard time posting payments and it takes them up 30 days post our payment making our account late. This has been ongoing issue. With since our account was sold to them.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NJ)

I did a mortgage refinance with XXXX and the loan would be serviced by The Money Source, starting from XX/XX/2021. I transferred {$3600.00} to The Money Source on XX/XX/2021, immediately after the loan close, to pay down the principal. 

I got a letter from The Money Source, dated on XX/XX/2021, stating the loan would be transferred to another servicing company, effective XX/XX/2021. I checked my loan information with the other company, it turned out that The Money Source had not transferred my principal payment. 

I called them several times, trying to resolve the issue. They told me the fund would be transferred by XX/XX/XXXX, and when that didn't happen, they told me it would take another 60 days, from XX/XX/XXXX, to transfer the fund.
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Americas Car-Mart, Inc. (TX)

I saw a add for America 's Car-Mart XXXX XXXX Texas, for the XXXX XXXX XXXX guaranteed {$590.00} down payment for anyone who brought in 6 individual {$10.00} or more unwrapped toys. my spouse and I went and met with a sales person around 1 on XX/XX/XXXX and they pointed out the vehicles on the lot that were the XXXX XXXX XXXX  approved vehicles. 
So we test drove one and brought the toys back and they accepted them and then they said '' I can get your down payment down to {$500.00} today if you agree to make deferred payments on your first XXXX notes? '' I asked her if that would make the monthly note any better and she said " Not a whole lot but if you came in and like say you got a tax check you could come in when you get that check and pay certain amount down as a seasonal tax payment and that would lower your monthly payments. '' We nodded and said " oh, ok but yes we agree to pay a deferred payment on the first 3 notes, how much extra is it? '' The monthly car note was {$620.00}, they said the deferred amount is {$100.00} extra every month for the first 3 months to go towards the down payment, remind you we came in for the {$590.00} toy drive and had the {$590.00} or XXXX needed to just go with that, I paid {$720.00} a month in XXXX, XXXX, and in XX/XX/XXXX on the XXXX I paid {$620.00} because online when I logged in it said {$620.00} instead of {$720.00} like it did the two months prior, then it asks online do you want to put this towards your yearly payment or monthly? I clicked and paid monthly, and I was curious why it said I owed {$1700.00} still??? I called and they told me that they had explained to me it was absolutely required that a seasonal tax payment be made and that they chose to take my payment for that month and put it towards their yearly payment, then they unlawfully and non peacefully re possessed the car not even two weeks after receiving my payment and me communicating with them letting them know that I did not know and I am ok with paying the {$720.00} a month but it was down right scam artist of them to do what they did. 
They are still trying to charge me for that ride, and the repo man injured me and my family because we were inside of the vehicle when he slammed from behind in a public area and busted the tail lights out and even put a flat in our back tire, the man laughed with kids screaming in the vehicle as it was lifted into the air, with multiple witnesses including the police, the man insisted he had documents to take the vehicle and he had talked to the GM at the Car-Mart in Back XXXX texas and XXXX personally asked him to do what he did because I could n't drive a vehicle that started running hot the second I'm getting XXXX ended and jacked up by a tow truck driver and that's all with me being lied to tricked and wrong fully deprived of property that I fully paid for.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FinCo Services Inc DBA Current (IN)

On XX/XX/2021 I received two unsolicited Debit Visa cards in two separate mailings from Current. I did NOT request these cards and have never had any account with them. The mailings included a card with a number to activate and NO explanation as to why I received the cards. I tried to call Current but you can only chat with them online. 

I am highly concerned that these cards were created as a result of identity theft and/or predatory credit mongering. 

I need assistance and direction as to how to deal with this situation. I DO NOT want these cards activated!