davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Arbitration — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

My wife and I bought airplane tickets to XXXX for a one week vacation. My wife was in a XXXX and suffered a XXXX. She underwent XXXX. The doctor ordered a 5 day XXXX XXXX. In order to accommodate the doctor 's order I had our return flight plane tickets moved two days back - incurring a variety of fees and charges totaling XXXX {$600.00} per person, The mastercard website says " Provides reimbursement for non-refundable cancellation or change fees if you are required to cancel a trip, prior to departure and reimbursement for eligible travel on a common carrier in the event your trip is interrupted due to a covered reason and you have purchased your common carrier tickets with your eligible MasterCard card. '' It seems pretty obvious to me that we qualify for reimbuirsement from USAA/MasterCard. 

I contacted USAA with regard to making a claim and they referred me to file a claim with a company called XXXX. Despite the fairly easy open and shut case I presented, XXXX rejected my claim. In my humble opinion, XXXX is a company in the business of not paying claims. The claim ( # XXXX ) was extremely difficult to file as XXXX employee XXXX XXXX claimed the documents I was require to upload to the XXXX server " were corrupt before I uploaded them '' so he could not " see them ''. Kind of annoying like someone telling you the letter you sent them arrived wet and they know you mailed it wet. Also, the XXXX Fax line was often down and XXXX made contradictory statements with regard to whether the documents I uploaded repeatedly and faxed repetedly were viewable. In the end, I am left with the impression XXXX is in the business of not paying claims. 

Regardless of what XXXX and USAA have agreed upon, it is my opinion that USAA promised to reimburse my airline fees and has not done so. I will upload documents that support my claim.
Consumer complaint received 2015-11-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have a private loan with navient and my federal loans are being serviced by them. My federal loans are income based but navient refused to work with me with my private loans. I told them that i am able to pay with a fair payment plan. the account manager threatening to send me to litigation if i dont pay right away, and demands for me to fax to navient 3 months of my banks account for them to work with me. I am tired of dealing with this company who belittle its consumers. I dont want to default on my loans, i want to be able to pay but also i want to have a roof and food for my child and for me. this company is fraudulent, and a bully, and students need to be protected from this abuse.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by Wells Fargo that there should not be a XXXX status reported. I will be attaching a document from Wells Fargo that shows proof from them that the account should not be in XXXX status. 
The account in question is : Wells Fargo Home Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with Wells Fargo - Received document to clear FC from Wells Fargo TWICE - Talked to All three Credit bureau and filed dispute on Wells Fargo - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

We have been using CITI banks XXXX percent cash back card for several months. Recently, we noticed a Fraudulent charge posted to our account, so we contacted CITI about it. They recommended shutting down the card and issuing us another card - which they did. We now are being told that it will take 2-3 billing cycles for them to post a temporary credit to our account. No other credit Card Company operates like this with unauthorized charges. It seems to us that CITI is postponing a temporary credit to our account in hopes we will still pay the Fraudulent charges. This is just not right. 
We have contacted them numerous times regarding this and have gotten conflicting information. In the meantime, we have deducted the Fraudulent charges from our payment. 

We feel CITI should be investigated for their poor customer service practices. 

We are considering ending our relationship with CITI.
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (MA)

Debt collector posing as 'mediator ' falsely claiming that they have filed a suit against us and a judgement is being made. They were very aggressive and threatening. They claimed that we need to settle the suit immediately. There is no lawsuit, it was all completely false and I had never received prior notice. They also claimed to have recorded my conversation before hanging up on me ( without my prior knowledge or consent ). 

Also calling and threatening spouse and other family members saying that I need to talk to them immediately.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

In XXXX XXXX, I notified Macy 's credit card and fraud department regarding unauthorized charges on my account. They requested that I submit a fraud statement, in which I did and turned in at the end of XXXX XXXX. I was told the investigation would take 60-90 days and my fraud charges should be reversed. It is now XXXX XXXX, 150 days has passed and I am still receiving billing statements with accruals of interest and late fees. I have followed up with the fraud department each month, and every month, they promised to have it clear the next month. I am at my wits end and feel Macy 's fraud department is giving me the run around. I am need of help to protect my credit and my rights!
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NC)

This is regarding Case number : XXXX which is still open. At the end of the month of XX/XX/2016 Best Buy CBNA, PO Box XXXX, XXXX, SD XXXX reported I filed Chapter 7 bankruptcy on account numbers XXXX and XXXX. I DID NOT FILE BANKRUPTCY. My credit score dropped 49 points. I spent countless hours on the phone with Best Buy credit department asking them to remove this erroneous information and re-open my account. They finally re-opened near the middle of XXXX, just in time for me to make a payment and my credit score went up 45 points. 
Then on XX/XX/2016 they reported I filed Chapter 7 bankruptcy again! I DID NOT FILE BANKRUPTCY. Again, I spent countless hours on the phone with the credit card department and my credit score went down 45 points. Because this happened again, I filed a dispute with XXXX ; I filed a complaint with the Better Business Bureau ; I filed a complaint with the North Carolina Attorney General ; and I filed this complaint. 
On XX/XX/2016, Best Buy re-opened my account and made payments on both accounts which were due on XX/XX/2016. This was the earliest I could make the payment because I had no access to my account because they closed it again due to a bankruptcy I DID NOT FILE. 
On XX/XX/2016 Best Buy Credit card reported delinquent payments but the accounts are not mine ( see attached ). My credit score dropped 4 points. I have reason to believe that someone with my same first and last name has filed bankruptcy and has not made a payment. I submitted a dispute online to XXXX. Every month I am having to spend hours on the phone with their credit department, file disputes and complaints. I need help! I ca n't refinance my car. I ca n't apply for a mortgage. All because someone within the Best Buy finance department or wherever this information comes from is not accurately checking the right person and account number. This is slowly ruining my credit which I was trying to get back on track. Please help!
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (ID)

There are XXXX accounts that do not belong to me. I have a perfect credit rating and these XXXX accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these XXXX creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.
Consumer complaint received 2017-01-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Carrington Mortgage Services, LLC XXXX XXXX, CA XXXX I am writing to inquire about a recent escrow analysis and my escrow balance. On XX/XX/XXXX I requested an escrow analysis because my mortgage payments increased and I wanted to know what was the catalyst that caused my payments to increase. I was told that the mortgage payment increase was due to an increase to my XXXX County real estate taxes. I recently requested another escrow analysis on XX/XX/XXXX because I believe the amount that is being escrowed to cover real estate taxes and insurance is over-stated. 

My first question is why is only {$320.00} being applied to my escrow account and not {$330.00}? Per my monthly mortgage statement a total amount of {$390.00} is being applied to my escrow account, less {$65.00} for FHA Mortgage Insurance. There is a variance of {$13.00} per month that should be applied to my escrow account, but it is not reflected in any of my monthly statements. 

$ XXXX- Monthly Escrow $ ( XXXX ) - FHA Mortgage Insurance XXXX XXXX- Escrow for Taxes and Condo Insurance My second question is why the amount that is being escrowed so grossly overstated? The total payments going out for the XX/XX/XXXX year will be and estimated amount of {$3800.00} ( Condo Insurance, FHA Insurance and County Real Estate Taxes ). However when I calculate the total amount that will be escrowed of XX/XX/XXXX, I am showing a total of {$5700.00} ( $ XXXX*12 months ) + XX/XX/XXXX Ending Escrow Balance of {$900.00} ). Even with the required balance of {$510.00}, I am estimating that my escrow account is overstated by at least {$1200.00}. Please see attached work paper for details. 

I am requesting a review of my account by someone in the Escrow Analysis Department as I believe there are some discrepancies that should be addressed. 

Thank You, XXXX
Consumer complaint received 2022-11-08
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. (MI)

I sent the credit 6letters asking them to verify the late payment on my report. They have sent back stating that everything is verified correctly. According to my findings, XXXX XXXX XXXX  is reporting a late payment date on XX/XX/2021. Where as XXXX and XXXX XXXX are reporting different dates. This account was never late and these dates are reporting incorrectly. Which has damaged my credit score Tremendously. 


15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (OH)

I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2008, I am requesting this be removed from my credit report.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (MO)

I am Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

Earlier this year I opened a Citigold checking account using an offer which would give me XXXX XXXX XXXX AAdvantage miles after satisfying a specific set of requirements. On XXXX XXXX, 2016 a Citi customer service employee verified for me, via online chat, that the promotional offer was applied to my account ( I have a downloaded chat log verifying this ). On XXXX XXXX and XXXX XXXX, 2016 I received verification from a Citi customer service employee that I had met all the requirements of the promotional offer and would be receiving the XXXX XXXX XXXX AAdvantage miles within 90 days. 

Upon following up on receiving my miles I was then informed by Citi that I was not eligible for the promotion. I reminded Citi on several occasions via secure message within my online account that I had chat logs and screenshots verifying that they had confirmed with me months prior that my account was eligible for the promotion, and that I would be receiving my miles. 

To do day Citi continues to deny fulfilling their end of the promotion despite all of the evidence I have and confirmation from their own employees in XX/XX/XXXX and XX/XX/XXXX that I was both eligible and would be receiving the miles. 

I am a consumer who has multiple accounts with Citi. I have been a good customer of theirs and have never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other recourse. 

Thank you.
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (NC)

I have XXXX and was notified by them that a collection had been reported to the credit bureaus that I had no notification or knowledge of. My credit score was over XXXX and I dropped XXXX points because of this. I XXXX the company ; Debt Recovery Solutions and found a phone number for them. When I called they state it was a medical bill from XX/XX/2011 from XXXX XXXX. I did live there at this time. I was located in a house for five years that we had purchased outright, never have I received anything. We then relocated to XXXX, XXXX and have still never heard anything pertaining to this account. Now it has trashed my credit and I was NEVER notified before hand.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IN)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2015-11-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NH)

I called my local wells fargo to get a refinance on my loan that is XXXX and bring it down to XXXX they told me I would n't have to pay closing costs because of the FHA XXXX program that has been around for years. well 3 years ago and 1 year ago I called wells fargo to tell them I wanted to refi and they told me I had to pay closing costs. so ithought I could never do it because I did n't have the money, not knowing they misled me to believe that there was a program they never told me about.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I incurred fraudulent charges XX/XX/XXXX and contacted XXXX XXXX right away. XXXX XXXX has since moved their Costco Members to Citi. I had to inquire with Citi on the same charges which I did XX/XX/XXXX as they had not been removed. I was then notified in XX/XX/XXXX that the dispute was not resolved in my favor. Not sure how this is possible as it clearly states I have no liability for fraudulent or unauthorized charges, and that is exactly what these charges were. I have since been charged interest twice on these charges and had to reopen my case which according to them is a new case that just started a couple days ago, when in reality it has been months. Mean while they continue to report these charges, along with interest to the credit bureaus and I get to take a hit to my credit every month they go unresolved. I have never accrued interest in the 15 years I have had a credit card and I have never carried a balance in 15 years so this is quite upsetting. I continue to not get answers and every time I call to inquire its like I had never made a call to them before. They continue to diminish my credit as a consumer and I have n't even used their card ( as they say its in the mail but it has been two months ).