davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
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. (FL)

Throughout the course of XX/XX/XXXXand XX/XX/XXXXmy wife and I opened some Citi AAdvantage Platinum Select cards through legitimate promotional offers and honest credit applications. The terms on these promotional offers were clear and applicable to us on every occasion, and through them we were able to earn a substantial American Airlines AAdvantage mileage balance through bonus offers. In essence, we had entered into legitimate contracts with Citi and earned legitimate promotional bonuses through legitimate spending. In short - we had earned these miles fair and square.Two weeks ago American Airlines closed my AAdvantage account without notice and refused to provide any communication with me. Similarly, my wife's AAdvantage account has been locked and unable to use. I contacted their phone line, their AAdvantage email support, and their executive office to no avail. Not a single person returned my calls or emails. It was not until I filed a complaint with the XXXX XXXX XXXX that I received an email from the company's corporate security department, who merely provided me a boilerplate email claiming I had engaged in abuse of their program. I asked for specifics, because I know we have never engaged in abuse with their program. To this day I have not received any specific details about why my account was terminated, though the suspicion is that I had earned too many miles (through legitimate promotions and offers from Citi) and they did not want me to spend them. Since then I have done some research and discovered hundreds - perhaps thousands - of other AAdvantage members facing a similar issue. Accounts shut down, reservations cancelled, and no communication directly from the organization in advance of these events. The airline is acting in a dictator-like fashion and shutting down users for no apparent reason. The sentiment of many of these people mirrors mine - which is that American Airlines is punishing members who utilized credit card bonus offers provided by Citi. The simple fact is that we applied for a financial product under certain terms and conditions and went through a full background credit check and approval process before being approved for this product. We then went through a specific spending process which was reviewed by the bank and was fairly awarded my miles. At no point in this process did we participate in abuse, fraud, or misuse. We entered into a contract with Citi, was awarded miles for meeting certain terms and conditions, and now American Airlines has decided they can take these miles from us.However, because of American Airlines's recent uncouth business practices, we have had the miles we fairly earned taken away from us without due process or explanation. Because of this, it no longer makes sense for us to keep any actives AAdvantage credit cards open as we will be earning miles into an account we can no longer utilize.
Consumer complaint received 2019-12-17
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: National Credit Systems,Inc. (NV)

2009 XXXX XXXX XXXX  {$2200.00} I never lived here. This address has never been used by me. No records will show that I ever resided here. I believe my father lived at this address before he went to XXXX.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

My father passed away and my name is now on the Deed of the property. We have provided this information already to the mortgage company. The loan was previously being serviced by XXXX but in the spring of XXXX, it was transferred to Rightpath Servicing. Prior to the transfer, we were offered COVID relief to defer payments for 1 year. We were then advised by XXXX to make trial payments until the modification was final which we did. Once the account was transferred to XXXX, the modification was cancelled due to us not returning the modification documents. We made several calls to XXXX to let them know that we never received the modification documents and were advise that they would resend them. That never happened and we were advised that we would have to try for another modification. We sent the requested documents such as my paystub, an application for assistance, my social security number, and my employment contract. I was advised that my application was complete on XX/XX/XXXX and no further documents were needed. On Friday, XX/XX/XXXX, we were advised that the modification was denied because the previous trial payments were not made. The trial payments ended when we were advised that the previous modification was cancelled, and we would have to start the application again. Furthermore, we have been attempting to contact our single point of contact who is never available when we call in. We have requested callbacks but do not get a callback. I was told on Friday, XX/XX/XXXX that the squeaky wheel gets the grease so I would have to call daily in an attempt to reach my single point of contact. The account is now in Foreclosure status which started right before the latest loan modification application was in the underwriting process. Rightpath servicing is no longer accepting payments and are making it impossible to speak to our single point of contact and have been advised that only the single point of contact can let me know what my options are now.
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (MS)

In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from my credit report.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FIRST MIDWEST BANCORP, INC. (CO)

On XX/XX/2021 someone tried to take a loan out in my name at a bank called First Midwest bank. I reported it the next day and froze my credit report to XXXX. Since then is has effected my credit score. I need to get this removed.
Consumer complaint received 2019-12-17
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: EQUIFAX, INC. (AL)

in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( XXXX, Equifax and XXXX  ) about XXXX XXXX  XXXX  ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX  on XX/XX/2019 was not able to verify and remove the account from my report but XXXX  and Equifax claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX  sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear Experian, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Good afternoon! Actually my complaint is not about fees collected, but there was no appropriate option for my complaint. 

I closed a checking account at Santander Bank XXXX XXXX XXXX in XXXX, NJ XXXX. I need to check my transaction history. I went down to the bank and asked for assistance with this and they told me that being that my account is closed it takes a long time and they can't help me with this. This information is very important to me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have two student loans serviced by Navient. In XXXX of 2018, they applied a forbearance to both loans, when I was unemployed and unable to pay the monthly balance, which I have learned may not have been in my best interest. 

The loans are back in repayment status, and I find myself in the same situation. In XXXX, I paid an amount less than what was due. I answered their request to resolve the matter, and their solution was to enroll in a six-month interest payment program, which required an additional payment and autopay enrollment with a debit or credit card. They made a calculation of what that monthly amount should be. I don't know what they based that calculation on. 

Aside from food stamps, I currently have no income. Enrolling in credit card auto payment would result in more debt with higher interest rates. 

They had no other options and said my case would be turned over to a debt collector if I did not accept that offer.
Consumer complaint received 2019-12-17
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I've disputed with this company for inaccurate reporting of a University of XXXX account. I've sent the collector furnishing the account a validation letter on XX/XX/18. The company never responded to my request AT ALL. I brought this to the attention of the CRA, who responded with a generic stall letter requesting additional relevant information. I sent that information and they sent me essentially the same response. I am attaching correspondence as evidence of failure to investigate and ultimately delete the information.
Consumer complaint received 2019-12-17
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. (NC)

I’ve been disputing this item for 3 years now. My latest attempt was XX/XX/2019.Spent over 10,000 on repairing my credit.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for And purpose
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

Discover Bank lowered my balance 3 times without any notice in advance, no letter, no email was never received. This action took about 60 points from my credit score. The last time they lower my balance lower than actual balance I had on my card so the made my account in overspend position.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLIANT CREDIT UNION (NV)

I had a Cashback Visa Signature Card with Alliant Credit Union, ABA routing and Transit Number #XXXX, and when my rewards balance reached $XXXX  they closed my account and seized the rewards balance as forfeit. I was told that they had sent a notice to my address request a response regarding the activity on the card but I received no such letter. When I called in to complain they just told me that they had closed my account stating it appeared that I was using the card for business expenses, yet no where in the card holder agreement does it state that I cannot use the card for that purpose. I feel as though they saw a high rewards balance and instead of paying out those rewards they closed the account.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (CA)

All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXXXXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo customers recently received a notice stating that it will close all Personal Lines of Credit effective XX/XX/2021. 

As is common, these Personal Lines of Credit are typically used to provide overdraft protection, for consumers, at a much lower cost than other options. With the termination of these accounts the remaining options will be either 1 ) Pay an overdraft fee of {$35.00} per item, 2 ) open a Savings account ( and pay any associated fees ) to serve as overdraft protection and to pay a {$12.00} fee per transfer or 3 ) Open a Credit Card account and tie it to serve as overdraft protection and pay the Cash Advance fee plus a much higher interest rate.

The closing of these Personal Lines of Credit may be within the terms and conditions of the account, but Wells Fargo is unable to provide me with a copy of the account agreement despite multiple requests.
While most banks are making the effort to make it easier and less costly when an account has a temporary need for additional funds, Wells Fargo seems to be moving in the opposite direction and removing options and making it more costly when this occurs. These actions will certainly help Wells Fargo increase fee income while removing options for consumers to prevent overdrafts on their accounts.

In addition, the notice from Wells Fargo states that they will show these accounts as Closed by the Bank which will likely have a negative impact on the credit score of
consumers. This negative impact seems like a terribly unfair and deceptive way to treat long time clients who have handled their accounts responsibly for many years.

This just seems to be one more harmful act and unfair way that Wells Fargo is treating its customers who have supported it for over 40 years.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (FL)

EQUIFAX : On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent. 
on XXXX XXXX  XXXX XXXX XXXX XXXX pulled my credit without my consent. 
I filled multiple dispute with the bureau and the companies, but could not find a solution.
Consumer complaint received 2021-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I XXXX XXXX entered into a consumer credit transaction with USAA Federal Savings Bank XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but USAA Federal Savings took cash. The finance charge is supposed to include insurance but USAA made me purchase insurance separately.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

For 6 months now my mortgage payment has not been applied correctly,  they are applying my mortgage payment wrong each month and then not sending me an invoice and putting me into collections.  I have called each month and they say it will be fixed but then the next month it happens again.  I have wasted countless hours on the phone with them but they keep on doing it.  I send my payment in as soon as I get the invoice with a small amount extra to be applied to principal,  it is all on the invoice.   They are going to cause me to have credit issues as this has been on going. This issue is with Fifth Third Bank.  They are completely incompetent.   How do I proceed as they are not fixing it.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (TX)

AARGON AGENCY INC is attempting to collect a Debt on behalf of XXXX XXXX XXXX on an incorrect balance. This claim was first opened/posted XX/XX/2016 for the amount of {$420.00}. I am contesting these charges because I believe these to be fraudulent, at that time I was covered under my Fathers insurance and any amount that needed payment would have been covered under insurance. I do not recall going to XXXX XXXX to receive any medical treatment, if I were to go to any Doctor, it would have been our primary physician at the time. Attached is the insurance that I was under at that time.
Consumer complaint received 2019-12-13
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. (SC)

FTC Report # XXXX RE : Identity Theft Dear Experian Please remove the following accounts listed on my Experian credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN,  and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY.
Consumer complaint received 2023-05-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (IL)

After receiving the letter of validation from XXXX XXXX XXXX. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. 
on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX  XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.