davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
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. (NY)

Hello, On Wednesday, XX/XX/XXXX, I received an e-mail from XXXX XXXX from XXXX XXXX AAdvantage Corporate Security stating that my AAdvantage  account ( # XXXX ) was terminated. This termination e-mail included forfeiture of all membership benefits, miles, and award tickets. 

I suffered substantial financial loss as a result of this termination, including : 1 ) About XXXX XXXX  Miles - Approximate Retail Value $ 14k USD. The vast majority of these miles came from financial products ( e.g., credit card bonuses, hence why I am filing with the CFPB ), and a handful came from actually flying with XXXX. 
2 ) 2 return flights back from Hawaii, where I was on vacation with my partner - meaning that we needed to book return flights for a last minute Holiday season ticket back to New York from Hawaii. 

The termination and subsequent forfeiture of miles and the award ticket were surprising to me. The e-mail sent was vague and did not specify a specific infraction, but cited " fraud, misrepresentation, abuse, or violation of applicable rules. '' To the best of my knowledge, I did not participate in any form of fraud, misrepresentation, abuse, or violate any rules laid forth by the AAdvantage Terms and Conditions. I have attempted contact with XXXX  8+ times and have not yet received an explanation. To that end, I have filed a complaint with the DOT regarding XXXX. 

However, Citibank is also involved in this. The vast majority of my miles were earned through credit card sign-up bonuses, whose offers were sent to my postal address via USPS. I filled these offers out with my legitimate information and several times spoke with Citibank Customer Service Analysts in order to be approved for these cards. I met the requirements to earn the sign-up bonuses in a legitimate fashion. With XXXX  terminating my account, all of the bonuses I earned with Citibank are rendered void. I have attempted to contact Citibank regarding this issue, only to be told that there's nothing that they can do about it and it's all on XXXX  's end. 

However, that's misleading and fraudulent. They entered into an agreement that now I am being punished for - and I would like to seek that Citibank rectifies this by doing the following : 1 ) Working with XXXX  to reinstate my account along with my forfeited miles - they have corporate partnerships that should make this relatively straightforward. 
2 ) If the first is not possible, for Citi to award me an alternate currency for the award miles that I was not able to use - either in USD or an alternate points currency - Citi has an alternate award program TYP, that they could convert my sign-up bonuses into. 

I'm happy to provide any additional information, including correspondences, screenshots, etc. 

Thank you very much for your help in this matter. 

Best wishes, XXXX
Consumer complaint received 2020-02-17
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. (TN)

On XX/XX/2020 my Costco Citi credit card account has been closed, I come to know through my Citi mobile app. I called to customer service of Citic bank and they said my account has been closed and they do not know the reason but I should receive a letter explained the reason. 
I got a letter on XX/XX/2020, but it does not have the reason mention. I called the customer service again and they said me to send a request form to Citi bank location to ask for the reason of my account closed.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, & XXXX 2021, I APPLIED for a Mortgage loan, Equifax Mortgage Services, LLC Ran this Tri-merge Report for XXXX XXXX XXXX for my XXXX Mortgage Demands with various Lenders over the past 4 1/2 years only to be Denied for being a XXXX Mortgage loan applicant. On XX/XX/2021 I contacted Equifax Mortgage Services, LLC and Requested for a Copy of my Required Tri-Merge Report under the FCRA. Dear Consumer Financial Protection Bureau Im Demanding the Immediate [ RELEASE ] of my Tri-Merge so I can prosecute and indict certain particular individuals within Equifaxs XXXX XXXX machine fore which Im suing Equifax for {>= $1,000,000} in Federal Court and their sister company, Equifax Mortgage Services, LLC. Director XXXX would immediately Forward me my Equifax Mortgage Services, LLC TRI-merge Report, Thanks!
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DE)

I am writing in response to Experian 's failed attempts to correct the issue via email and demand that they make the necessary changes to correct inaccurate information that has prevented access to my credit profile for over 24 months. 

I am requesting that Experian have any variations of the above removed and my access reinstated and comply with the Fair Credit Reporting Act, under Section 607, Experian must ensure maximum possible accuracy of the information contained in my report. 
As of today, Experian has not complied with this under-provision of 15 USC Section 1681i of the FCRA. 

They have prevented me from accessing and denied all attempts to access my account. 

All requests via, voice, mail and email have been denied
Consumer complaint received 2020-02-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings (TX)

Speedy Cash is listed on my credit report. The collection Agency listed is XXXX  XXXX. Contacted XXXX   XXXX regarding the debt of {$1100.00}. The reported the debt had been sent to the Attorney office of XXXX. XXXX XXXX. I contacted the lawyer office who reported that I needed to make an offer and they could not tell me an amount. I made an offer of {$520.00}. She reported they were not going to accepted that and would only accept approximately {$1800.00}. She reported that the original debt was {$1100.00} but there were additional feels and the new amount owed is {$2600.00} so they will only settle for approx. {$1800.00}. She stated that I would have to get an attorney as they are not willing to accept anything less that that. She was informed that we were not notified that we were being sued and I was trying to settle the debt within 7 days. 

I was trying to settle this debt and not pay for attorney fees. My address was not confirmed nor was there any additional information obtained.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 

1. BARCLAYS BANK DELAWARE XXXX Opened XXXX. XXXX, XXXX Balance {$2600.00} ; 2. BARCLAYS BANK DELAWARE XXXX Opened XX/XX/2015 Balance {$1500.00} ;
Consumer complaint received 2020-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

I get calls daily, from collection agencies and they are not allowing my credit score to go up. I am affected in such a negative way that I am willing to file bankruptcy. This is not fair the attack I feel daily. I dont even want to pick up my phone.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

this account has already been reported and deleted from my account due to unable to be verified. by law this account needs to be removed within 30 days. I have proof as well I am send with this attached. I have already disputed and Experian removed it. I don't know why they decided to bring it back, that is against the my credit consumer law. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Consumer complaint received 2021-11-17
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Consumer complaint received 2022-10-11
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. (GA)

I Recently reviewed a copy of my credit report, i was shocked to learn i have been a victim of identity theft, i found numerous accounts on my credit report that was not open by me, this has been hurting me, please remove from my credit report as soon as possible
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCC Business Services, Inc. (TX)

I moved out of  XXXX    XXXX   XXXX   XXXX   in  XXXX  o f 2016. When moving out I completed a walk through with the apartment manager where she i  nformed me because I did not scrub the fridge out I would be required to pay for a cleaning company which would cost {$150.00} as well as {$5.00} for missing blind in the guest room. I agreed to these charges other than that the manager let me know the apartment lo oked great and wished me well. I later received a letter from  XXXX   XXXX  letting me they were charging me to replace carpet in the entire unit whi ch was 3 years old. They claimed I had destroyed the carpet by having an animal in the apartmen t which I did not own an animal. I sent them proof of the condition I left the apartment in and received via certified mail that they had received my dispute. I then received a letter from the apartment complex letting me know they did not agree and sent pictures of the apartment that again did not match the photos I had provided and did not warrant complete replacement of the carpet and I had filed numerous complaints with the apartment complex when I moved in and was dealing with my leasing agent,  XXXX . She claimed I would not be charged for the spotting in the guest room by the back patio as it was there when I moved in. I again submitted this information and I just recently found out that even though I was disputing the charges they reported to the credit company without responding.
Consumer complaint received 2022-10-11
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. (FL)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

We applied for a mortgage loan  with Wells Fargo  in  XXXX , NC we have been in escrow for appro ximately 60 days from today. We asked for our documents to be sent to a new lender with a better rate. Wells Fargo stated they could not do so b/c a law went into effect as of 2008 when they changed the law indicating no lender to lender doc 's could be transferred. I checked with the new lender who states the doc 's could be sent. So now as of today wfargo has finally offered to lock in a rate of 4.785. This should have been done at the beginning of the loan process. I 'm still trying to obtain the documents for our own pu rposes. Also, after we were ready to move on with closing they now want an engineering report which was never disclosed to us.  <P/> Frustrated wfargo applicants,  XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Every time I have made a principle payment on my loan the money goes into a suspense account. I am trying to get my loan to work I am making frequent payments every fifteen days to reduce the principle on my loan and the amount of days I am being charged interest. The process that fifth third bank follows is not working. When I made a payment on  XXXX   XXXX ,    2017  the  XXXX  dollars is just sitting in a suspense account. There online option allows you to make additional payments yet even when I walk in the bank and say hey this check is for my mortgage principle they continue to let the money sit there. It is to their benefit because I continue to accumulate interest and not decrease my balance due to improper processing of funds. IF I am making a principle payment that should not be up for debate or review. It is a delay in the decrease of my loan balance and interest I am being charged.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

Chase bank closed my Chase Sapphire credit card citing that there were too many disputes opened on the account. Disputing charges is a statutory right of consumers under Fair Credit Billing Act ( FCBA ), which is protected by Equal Credit Opportunity Act. Even though Chase claims that they are able to close any account due to no particular reason based on their credit card agreement, they are still obliged to comply with the FCBA. 

Equal Credit Opportunity Act prohibits issuers to take any actions against consumers when the consumers exercises the rights in good faith. All of the disputes were opened in good faith and are valid, however Chase bank didn't even give me an opportunity to present the necessary evidence as it is related to the disputes in order to validate them. When such requests for evidence were made by Chase bank in prior disputes, I always made sure to provide the requested information. 

Since Chase bank chose to close my account without giving me an opportunity to demonstrate that I had exercised my statutory right to dispute charges on my account in good faith they are in direct violation of my rights as a consumer under the Equal Credit Opportunity Act and the Fair Credit Billing Act and should reinstate my account immediately.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

On XX/XX/XXXX I placed a fraud alerts on my account so that Experian could not extend credit to anyone. This is the note on my account> XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

On XX/XX/XXXX this company ( a money lender ) XXXX  XXXX contacted experian and opened a fradualent credit line of XXXX dollars for an unknow person. As a result if this fraud, Experian changed my birthday and my address and extended allowed XXXX to give credit for {$5000.00} to an unknow person. 

On XX/XX/XXXX XXXX  XXXX XXXX called me to alert me that I was denied for a credit line that I request due to deliquent account. XX/XX/XXXX, was the first time that I was alerted of any credit being pulled although I have a Fraud Alert for seven years ( starting on XX/XX/XXXX ) on my account. No one from Experian called me to check per the alert instructions. And they allowed a company to get credit without my permission. 

I have filed a police report today on XX/XX/XXXX and contacted the FTC to let them about XXXX and the fraudulent charges. In total with late fees, there is {$5500.00} fraud total for due monies reflected on my account which are not mine. 

In addition, XXXX was able to change by birthdate and home address through Experian. I have been able to fix my birthdate with Experian but am still working to change my address and clear the fraudulent charges. 

My Fico score was not ffected with Experian. I urge consumers to review their full report frequently since Experian has allowed a company to pull my credit despite of a fraud alert for seven years.
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

ALLY FINANCIAL XXXX Balance Owed : {$6700.00}
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

During several long spans of time while trying to repay my student loans, while teaching in a public school, I suffered some financial set backs where I was unable to make full loan payments. When I called to asked the servicer about my options, I was always steered toward forbearance. They told me that partial payments didn't count toward XXXX, so it didn't make sense to make that payment at all and that I should just do the forbearance until I was more financially stable. This was correct at the time except that I was still accruing interest and not making any progress on that, which is predatory. Now, that the new waiver is being applied to partial payments, people who did make partial payments are having those months count toward their forgiveness, while those of us to took the advice of the servicer do not. This does not see like a fair and equitable practice. I would have made a partial payment of what I could afford if I had not been steered y my servicer. Forbearances and deferments should count toward XXXX counts under the new waiver.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have had a credit card with this company for several years and have never been late. I have been having problems since XX/XX/2019. I have been told a payment is not due or the payment due is not showing correctly on their website. I have made several attempts to make a payment and have been told several different amounts that contradict the other representative. I spoke with XXXX, XXXX, etc. I eventually returned a call for XXXX, a manager, but have not heard back from her. I have also been notified that my credit report has been negatively affected by this.