davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
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: BANK OF THE WEST (CA)

Bank of the West Credit Card- I had the card roughly 8 years. 

1. The card was set to expire in XX/XX/2019. I went into a bank branch to request a new card in XXXX. At the same time, I changed my address. 
2. That day- my current card stopped working because they cancelled it. I was given no notification that this would happen. 
3. The new card was sent to my old address, even though I had changed it. Thus, I didn't get the new card until well into XX/XX/2019. 
4. I tried to activate the card. I spent over an hour on hold and being transferred back and forth before I was told the card was activated. 
5. I went to use the card ... Declined. All of my recurring charges that I set up ... Declined. Bills are late because this card doesn't work. 
6. I called ( XX/XX/19 ) to get a new card and close this one out. Told it would take 5-7 business days unless I paid {$25.00} to expedite the card. I explained I've already waited 2 months to get a working card ... Still would cost me an additional {$25.00} to get the card sooner. So, I cancelled the entire account. 

In all of this time, every time I tried to access my rewards points, I could not because I didn't have a working card. When I cancelled the account completely, the phone rep did not mention the rewards program at all. When I tried that day to access the rewards one last time, i still couldn't log in because the rewards is tied to the card number, not my bank account. 

I contacted the Bank multiple times ( XX/XX/19, XX/XX/19, 1XX/XX/19, and XX/XX/19 ) - they say there is nothing they can do and maintain that the phone rep told me my rewards were forfeit. This is not true. He was very brief and said very little about anything. The bank has not responded to my last two inquiries/complaints.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

Report number XXXX | XX/XX/XXXX Item name XXXX XXXX XXXX CA XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy dismissed. 

XXXX has continuously report erroneous information on my credit report, I have requested this item be removed several times. As you can see that it is still being reported on my credit file.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

Citibank ( Citigroup , Inc. ) unilaterally cancelled my DoubleCash credit card account without notice on XX/XX/XXXX. I paid my balance in full each month. My XXXX   credit score is XXXX. I had accumulated {$380.00} in Cash Rewards at the time Citi cancelled my card. Citi has now denied my ability to redeem the Cash Rewards I've earned by virtue of using the card. 

On XX/XX/XXXX, I opened my account. In XXXX and XXXX alone, I charged over {$42000.00} to the Double Cash card. I paid this amount off in full. My XX/XX/XXXX statement shows a balance of {$96.00}. However, on XX/XX/XXXX, Citibank informed me that my account was being cancelled due to a returned check fee in XX/XX/XXXX. 

I switched checking accounts in XX/XX/XXXX. On XX/XX/XXXX, Citi attempted to make a {$130.00} autopayment from my prior, closed XXXX XXXX account. This resulted in a returned payment from the account and a {$25.00} fee. On XX/XX/XXXX, upon discovering the issue, I made the {$130.00} payment from my current XXXX account. I then called to explain to Citibank that I simply created a new checking account. Citibank then indicated their intention to refund me the {$25.00} returned check fee ; the refund appeared on my XX/XX/XXXX statement. 

Following my XX/XX/XXXX conversation, I requested a review of my account closure. The supervisor I spoke with stated that my account would be reviewed and reopened within the week because of my exemplary payment history and credit score. However, I received notice from Citibank on XX/XX/XXXX that Citi would not reopen my account. I called Citibank on XX/XX/XXXX to inquire about my outstanding {$380.00} in Cash Rewards. The representative stated that the rewards were forfeited because Citi unilaterally closed my account. 

I used my DoubleCash card with the expectation that the cash rewards connected with my spending belonged to me. Certainly that is how Citibank advertised them. It appears that Citibank reviewed my account on XX/XX/XXXX and saw an opportunity to cancel my account before paying out the {$380.00} Citi owed to me. 

Citibank cancelled my account without cause. If there was a critical issue with the XX/XX/XXXX returned check fee, why refund the {$25.00} penalty to me? Why then cancel my account two months later? The reasoning provided is misleading, if not fraudulent. The cancelled account will negatively impact my credit score, without any adverse action on my part. 

I can not believe Citibank would knowingly deprive a customer of the benefit of their contract with the bank. I have asked Citibank to issue me the Cash Rewards I am due under my XX/XX/XXXX statement. I hope the CFPB can assist in resolving Citibanks unjust action.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/2021 - I paid off my entire balance on this account and verified that I had a {$0.00} balance. 

XXXX XX/XX/2021 - I received an alert from a credit monitoring service that I had a late payment reported to my account. When I checked, it was my XXXX XXXX XXXX  account. I did not charge any amount to the card and did not have it linked to any auto draft since I brought the account to a {$0.00} balance. Furthermore, I had not received a bill or invoice from the card issuer showing that I owed a balance. When I looked at the account, I was being charged an " annual fee '' every month since XXXX. Every month the " annual fee '' was not paid, a late fee was incurred and ultimately I owed XXXX XXXX XXXX  {$110.00} and was reported 30+ days late to all three credit bureaus. Also, if you look at XXXX XXXX XXXX  's account history on the credit reports, every month since XX/XX/2021, XXXX XXXX reported a {$0.00} balance owed until XX/XX/2021. 

XXXX 2021 - I contacted XXXX XXXX XXXX, explained that I did not receive a bill, asked why I was being charged an annual fee every month, and asked that the incorrect information be changed on my credit reports, and I closed the account. The Rep from XXXX XXXX XXXX  agreed with my complaint, corrected my balance to {$0.00}, closed the account, and sent me a letter agreeing to remove the late payment from my reports. 

XX/XX/2021 - Another late payment from XXXX XXXX XXXX  was reported to the bureaus, this time saying that I was 30+ days late with a {$57.00} past due amount. 

XX/XX/2021 - I called XXXX XXXX XXXX  and the Rep said that according to her records the account was closed Since XXXX and I currently showed a {$0.00} balance on the account. 

XX/XX/2021 - I submitted a dispute to Equifax disputing the XXXX and XXXX late payments as well as the incorrect balance. I also uploaded a copy of the letter from XXXX XXXX XXXX  reflecting that they would correct the reports. 

XX/XX/2021 - I received an email from Equifax with my dispute results showing that they " verified '' the accuracy of the information and that it would remain on my report. 

Now I don't know what do to. I have the bank telling me that the account is verified closed, it wasn't late in XXXX or XXXX, and that I don't currently have a balance. But Equifax will not remove/correct the information in the report.
Consumer complaint received 2019-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery continues to call me at home, work, and on my cell. They are calling about 25 times a day from random numbers. The company is already in trouble for their collection practices. I would like to join the lawsuit against them. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Portfolio Recovery asking them to provide me with data to prove that this is my account. I have asked them to provide the following : Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay you what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 

The only proof they have sent are credit card statements from years ago. Portfolio Recovery bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You
Consumer complaint received 2021-07-02
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: CREDIT ACCEPTANCE CORPORATION (LA)

On XX/XX/2016, Credit Acceptance Corp add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, CREDIT ACCEPTANCE CORP has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-01
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. (TN)

I have contacted and notified all parties involved : XX/XX/XXXX TransUnion, Us Dept Ed, and Dept EdXX/XX/XXXXof these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XX/XX/XXXX {$5900.00}, DEPT ED/XX/XX/XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (GA)

Hi, I am writing to request the following information to be deleted from my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not consent to these accounts. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible.Thank you
Consumer complaint received 2020-10-23
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. (FL)

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2019-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened an account, set for auto renewal in XXXX at the HSBC at XXXX XXXX XXXX in XXXX. It renewed several times without error. The last auto renew was set for maturity on XX/XX/XXXX. The interest was never added AND the account never auto renewed. I never received notice of this maturity and the {$5000.00} sat in my online banking. 

On XX/XX/XXXX I logged into my banking and noticed the CD was closed and the money was gone. On a phone call that day, HSBC said they had cut a check and mailed me a notice as to why the account was closed ( these were went XXXX ). As an act of good will, I was told the check was cancelled and the {$5000.00} ( without the two terms of my 0.075 % interest in two 6 month auto renewed CDS ) would be deposited on XX/XX/XXXX into my savings account. 

By XX/XX/XXXX, the money hadnt arrived. Now customer service is refusing to give me details on where the money is and if I will get it back. The bank never notified me in writing, phone call or email about : -- any maturity to the account after XX/XX/XXXX -- why the account was closed -- why the CD did not auto renew -- where the funds would be relocated ( via check or deposit ) I am currently without answers and no one from a branch or customer service will give me an answer as to what happened to my funds and if I will be getting them back.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

UWM was the mortgage holder on my home in Florida, they then sold off the loan to XXXX XXXX and once XXXX XXXX took over the loan in XX/XX/2022, the monthly payments went from {$1500.00} to {$2700.00} ( I have a fixed interest rate ) after several phone calls to XXXX XXXX and UWM, I am informed that XXXX sent over a negative escrow amount to XXXX XXXX and UWM is claiming they sent {$2400.00} which they can not prove, I have documentation attached showing they sent a negative amount. 
In addition UWM charged my account {$7400.00} for flood insurance and the certificates for flood insurance was sent to them several times even when the loan was first started. ( see attached documents for flood insurance ). 
I have been paying XXXX XXXX but can not afford to pay a monthly payment of {$2700.00}. 
I have made several attempts to get my escrow refunded from UWM along with the refund for the flood insurance but NO ONE can help me they keep telling me a supervisor will call me back and nothing. This has been going on for weeks, They took money from me and was not warranted to do so. I have all the paperwork proofing this. How does this happen how does a company exist, when they are stealing money from their clients? I would appreciate some assistance some assistance in to get my money refunded back to me or to XXXX XXXX so my account is back to the normal and affordable payments.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

Nationstar, now Mr. Cooper, told me to go into foreclosure when I was unable to make payments on my mortgage in XXXX. The loan was in default for a number of months. I believe it was XXXX or XXXX when the default began. Nationstar took many months and many lengthy phone calls and lots of back and forth via email and so much paperwork before the company finally modified my mortgage, which went into effect XX/XX/XXXX. From that time through the end of XXXX, payments were made timely. I sold the property and satisfied the mortgage loan and additional loanich at the end of XX/XX/XXXX. Today, I am hoping to buy a property, but XXXX shows on my credit report that during those months when the loan was in default that it was in foreclosure. It was my understanding that the loan did not go into foreclosure. On XXXX, in fact, it shows past due, not foreclosure. Beginning with the first month that the loan was past due, the label on XXXX is " foreclosure. '' Nationstar refuses to remove the label of foreclosure, insisting that it went to foreclosure department even though I was in negotiation to modify my mortgage. Mr. Cooper ( Nationstar is keeping me from buying a home, which I very much need to do during this time when prices are rising but mortgage rates remain low and I'm in the last tier of my life at age XXXX.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (MD)

The credit card company Barclays increased my interest rate from XX/XX/2022 from 14.24 % to XX/XX/2022 to 16.99 %. 

XXXX XXXX XXXX XXXXXXXX credit card increases from XX/XX/2022 14.99 % to XX/XX/2022 to 17.24 % XXXX XXXX credit card increased from XX/XX/2022 16.74 % to XX/XX/2022 XXXX %. 

XXXX XXXX XXXX XXXX credit card increased from XX/XX/2022 17.49 % to XX/XX/2022 to 18.00 % What law allows credit card companies the right to increase existing customers interest rate and without notice.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (CA)

There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I have a private student loan that was sent to court in XXXX 2015. Per the court case, the loan was dismissed with prejudice by a judge in XXXX 2015 in my favor. The loan is still showing on my credit reports from all XXXX credit bureaus after sending disputes in per my attorneys request in 2015. This is preventing me from purchasing a home at this time.
Consumer complaint received 2020-07-10
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. (MI)

On XX/XX/XXXX, I called to make my monthly payment to XXXX XXXX Bank for my XXXX XXXX   account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX listed my account in XXXX and XXXX as XXXX days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to XXXX XXXX, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by XXXX XXXX even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as XXXX XXXX is reporting the wrong information to the credit bureaus.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted XXXX XXXX because XXXX XXXXXXXX just popped up on my credit report. No one responded to my letter. I wrote again XX/XX/2021 and did not receive a response to my letter or any documents I requested. I requested an investigation on XXXX XXXX on my credit report. I contacted XXXX, TransUnion and XXXX XXXX  and no one responded to my letters or sent me any mail. It's been more than 90 days now and this unverified account is still on my credit report. I want this account deleted right now.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (PA)

FFCC-CLVLAND ( Original Creditor : XXXX XXXX XXXX ) date opened ; XX/XX/2017 {$480.00}. 
I personally does not recognize this service. I've tried multiple times reaching out to XXXX XXXX XXXX to obtain more information, nobody could help me understand how this charge/service was obtained. This has really been preventing me from moving forward with my life ; i can't get any kind of loan or not even an apartment. This is a violation of The Fair Credit Act. This collection is inaccurate, wrong, misinform, unrecognized information this is on my credit report, which is preventing me from moving forward. its bad enough that COVID 19 has taken away my job, i don't need anything else to stress me out. I hope that CFPB can resolve this.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX Im not sure whats going, however there must be a huge discrepancy in credit reporting between TransUnion and XXXX. After already disputing TransUnion previously about fraud accounts/debts on my credit report that belonged to another person, how and why is it not correct on my credit report thru TransUnion? Compare my XXXX credit score is XXXX pts higher that TransUnion. Isnt XXXX the company that provides all the same information to credit reporting agencies? Something is very wrong here, TransUnion is being fraudulent about my credit reporting account. Please check the facts and correct.