davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TX)

Recently I was wrongfully denied credit for a mortgage. To my surprise, the mortgage company said that I had a poor credit rating. When I investigated this issue, I discovered that Citi Cards is not reporting my CitiBusiness credit card account to the credit reporting agencies. The account 's high credit limit does not contribute to my credit utilization score as it should. I have a few other cards whose combined credit limits are much less than this account. On these cards I had taken advantage of 0 % interest offers, so over XXXX % of their combined available credit are in use. 

Citi Cards ' failure to report this card to the credit bureaus has seriously damaged my credit profile. This interaction with my mortgage company was highly embarrassing and negatively impacted my lifestyle. Citi Cards ' failure to accurately report my credit information to the credit bureaus has damaged my reputation and my good credit standing. 

I have pursued this issue with XXXX, XXXX, and XXXX. They say there is nothing they can do to get a company to report to them regarding an account if the the company does n't want to. 

I have discussed this issue many times with Citi Cards, and they refuse to report this account to the credit bureaus. I have been told that the reason this card is n't automatically reported to the bureaus is that they consider it to be a business card. However, the legal entity which holds this account is not a business, but is my wife and I, personally. The card is in the name of my wife and me, and the tax ID associated with the account in Citi Cards ' own records is my own personal Social Security number, not the federal tax ID of any business. Because I hold this account personally, and not through any business entity, I believe that Citi Cards is obligated under law to report this account to the credit bureaus that report my personal credit profile.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (VA)

In XXXX/XXXX/2015, Citibank customer manager decided to close my Citi Double Cash credit card due to a phone call argument over various bill pay payments that I 've made from outside banks. As a result I 've lost {$330.00} of cashback for this month that they did not honor upon my account closing. To make matters worse, this Citibank manager then made a personal call to close my Citi Premier card out of malice, resulting in XXXX of lost points worth {$530.00}. I believe that my accounts were unjustly closed by Citibank and I was not given the chance to redeem my cashback and point rewards worth well over {$860.00}.
Consumer complaint received 2015-10-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (AZ)

After seeing Debt Recovery Solutions on my credit report I contacted the original creditor because I thought this bill had been paid off already. The original creditor ran my name and social security number it showed a {$0.00} balance. I decided to inform Consumer Finance after completing a over the phone dispute XXXX because the bill is still being reported as open. The bill being reported as open leads me to believe XXXX XXXX XXXX is ignoring the cease and desist I sent them through their own website on XXXX/XXXX/2015 XXXX. I do n't work with collection agencies to settle debts. 
I had a bill go to collections a few years ago that I paid. 
The collection agency however never reported the bill as paid, instead they sold it to another collection agency. I showed the proof to the new agency which stopped it 's collection efforts and the original creditor who counted my bill as paid in full luckily for me.
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Credit Network Inc (CA)

An unknown representative from Financial Credit Network called my cell phone and left a voicemail asking for a return call. She did not state her name, the company she was with or that she was attempting to collect a debt. I have a no-call agreement with FCN because I have a recurring payment plan set up to pay the debt and am current in doing so. The call XXXX are unnecessary and borderline harassment. I had to XXXX the return phone number to find out it was Financial Credit Network who had called.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NV)

My name is XXXX XXXX. On XXXX XXXX at XXXX i was contacted on my Home Phone at XXXX. The caller Id XXXX, phone no was XXXX. The rep on the phone advised me that their company could reduce all rates on my credit cards to 6 % or less. They then told me the beginning number of XXXX of my credit cards and asked for the expiration dates. Then they asked for the complete credit card #. I refused to give the credit card # s and asked for their website. I was informed they had no website, I then asked for their manager of supervisor. I was then told that all my cards would be cancelled and they then ended the phone calls.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MI)

This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I was sued and placed in collections with this company but the case was dismissed and placed in my favor. I disputed this account with Experian and they came back and said that the account remains. I provided my court documents in the dispute showing that the collection was dismissed in legal litigation. The report number was XXXX. Please remove the XXXX XXXX collections from my credit report.
Consumer complaint received 2015-06-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CO)

This complaint concerns a private student loan held by XXXX and serviced by Great Lakes. I began paying on this student loan in XXXX XXXX. From XXXX XXXX to XXXX XXXX I made every payment and additional payments worth about {$5500.00}. I made additional payments because of my plans to get a XXXX ; by making payments ahead I hoped to avoid making payments while enrolled as a XXXX student. Before describing the substance of this complaint I note that I had another student loan which I paid entirely during the XXXX period. I was scheduled to begin graduate school in XXXX XXXX. 
In late XXXX I called Great Lakes to ask about deferment. In particular I wanted to know if my best option was to go onto deferment or wait until the time in which I was paid ahead ( at this point, about XXXX years ) was over and then go on deferment. I explained that I was enrolling in graduate school and wanted to avoid payments if at all possible. 
The customer service rep explained that I should go on deferment and any period in which I was paid ahead would simply be begin at the end of my deferment period. In other words, after deferment I would still have roughly XXXX years in which no payments were required. 
In XXXX of XXXX Great Lakes informed me that I was out of deferment and I would have to resume making payments ; they explained to me that the payment clock resets after deferment and any time in which I was paid ahead is nullified because of the deferment. The customer service rep I spoke to in XXXX had apparently provided me with bad information ; I had been told my " paid ahead '' period would begin after my deferment ended but now, according to representatives at Great Lakes, this is not the case. 
I am in the curious position of being paid several years ahead on a loan yet simultaneously having monthly payments. Because I am still a XXXX student I struggle to make the monthly payments ( I should be done within XXXX months to a year ). 
I feel that this situation is largely the fault of Great Lakes. I was told bad information by a customer service representative in XXXX the thousands of dollars that I paid ahead have all but vanished now. 
Great Lakes has been non-responsive to my requests. I have been unable to contact anyone in the company besides front-line employees. I believe that because I am paid ahead on my loan by XXXX dollars, and because Great Lakes has given me bad information, I should be given a period of time in which I do n't have to make payments or perhaps I can make reduced payments.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (IN)

I have contacted Chase multiple times about a balance transfer that never went to my credit card account at XXXX credit union. On XX/XX/2016 Chase stated the transfer was sent to the wrong account at XXXX. They opened an inquiry about it and said they would try to get the funds placed in my account. Today it has been over a month since the first contact with Chase. I called Chase today XX/XX/2016 and XXXX said that the transfer was denied due to the account number being incorrect and that I would receive a letter in the mail stating this information and the funds would be refunded to my account. XXXX also said that I could initiate another transfer with the correct information. He could not say when the funds would be refunded to my account only that they are working on it. In the beginning I asked Chase if they could provide me with the account # that the funds were sent to and they said no. I have been making payments for over a month on the same balance on XXXX different cards. Sorry I even initiated the transfer in the first place.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (KS)

My mortgage company sold my loan to PNC mortgage in XX/XX/XXXX. My original contract which was signed when I purchased my home states I will agree to carry flood insurance to cover the outstanding balance of my loan for the life of my loan. When my mortgage was sold to PNC Mortgage they told me this was not sufficient and I would need to increase my coverage to include the replacement value of my property or they would purchase it for me. I feel PNC mortgage has changed the original agreement of my loan after purchasing it from United Wholesale Mortgage. I sent them a letter explaining the situation but they continue to send me responses that I need to increase my flood insurance coverage. At one point PNC mortgage 's insurance department insisted I had only {$60000.00} worth of coverage and would need {$180000.00} worth of coverage when my insurance company sent them several documents reporting my coverage at {$110000.00} which is the amount which I have always had for coverage since the purchase of the property in XX/XX/XXXX. I feel this may be due to a kickback situation.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

We sent the final principal payoff amount for our home mortgage to Capital One on XX/XX/2105. We contacted the company last week and they confirmed receipt of our check, but stated it would take 3 days more to credit the final payment. It has now been 7 days ( 5 business days ) since they said they would credit our final payment, and XXXX calendar days since the payment was sent. We are concerned that they are dragging their feet, and we do not trust that they will fulfill their contractual responsibilities to close out our fully paid mortgage.
Consumer complaint received 2015-05-10
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings (CA)

I received a copies of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by this company that I did not authorize. I wrote this company informing them of this and requested they remove this unauthorized inquiry from my credit reports, it was lowing my scores and making it very difficult for me to acquire credit. 
I sent this letter certified mail because I needed their prompt response to this issue. I requested that If they did find that I am remiss, and they did have my authorization toinquire into my credit report, I requested that they send me proof that I gave them written authorization to inquiry into my credit profile. the company have refused and have done nothing, claiming they did have my authorization.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Recovery Solutions (MS)

I got an automated message asking me to call XXXX. When i called the number a gentleman asked me for my number. I asked him who I was contacting and he said United Recovery Solutions. I asked him what they do and he said Collections. I gave him my number and he said it was in regards to an account with XXXX. I asked him how old the debt was and he said 6 years. I knew that debt was more than 12 years old so I informed him that that debt was more than 10 years old. The gentleman started calling me a bad father and a " XXXX '' for hiding behind the statue of limitations and said he will call me constantly about this debt because I ca n't stop him. Is this a violation of the FDCPA?
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance (NV)

Security National has wrongfully repossessed my car on XXXX separate occasions. The first time my car was repossessed, Security National made an error on processing a payment deferment and repossessed my car while I was serving a 12 month XXXX. No notice was given after the repossession and my wife believed the car to be stolen. Upon further inspection after returning my vehicle there was significant damage to the front of my car consistent with the repo company improperly towing my vehicle. I immediately notified Security National of the issue and sent detailed photos of the damage. My complaint was however ignored and I was never compensated for the damages or the loss of use of my vehicle. A year passed since this incident and I was forced to file chapter XXXX bankruptcy for some uncontrollable circumstances. I filed a successful motion to redeem my vehicle from Security National at the fair market value. Security National failed to adhere to the court order and held the title to the vehicle in excess of 30 days after the funds had been received far exceeding the 3 day mandated surrender of the title annotated in the court order. During this time they continued to aggressively seek the recovery of my vehicle by having repossession agents come to my home. I contacted Security National about this issue and was told by a representative that they were still seeking to collect a debt from me and were unaware of any court documents sent to them even though the check sent to them had been cashed almost a month prior. It was n't until I was put on an extended hold and told that the documents had been magically found that I was reassured the issue would be resolved and the account would be closed, the title sent out and the repossession efforts would cease. Almost two weeks had passed following this conversation and another repo agent successfully repossessed my vehicle on a Sunday at my residence. I was unable to seek any kind of help because of this and was n't able to contact Security National till the following day. The repo company blamed Security National for not rescinding the repo order and Security National blamed the repo company for not receiving notice to cancel the order. Irrigardless of their communication issues I was still a victim of my car being unlawfully repossessed when Security National had no legal ownership of my vehicle. Again, I was never compensated for the inconvience or loss of use of my vehicle for this second wrongful repossession. The disorganization of this auto lender is appalling and I feel what has happened to me is unacceptable.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian is showing I have an account with XXXX XXXX that is delinquent. I have been disputing this account for almost three years. They have not removed it, and now they have added another XXXX XXXX delinquent amount owed to my credit report. They are also saying it will not be removed until XXXX 2022. Which means it will stay on my credit report for over ten years.
Consumer complaint received 2015-10-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

Me and my wife have owned a house at XXXX XXXX XXXX XXXX XXXX, New Jersey for many years and about four years ago dropped down to 15 year mortgage. We were very happy until I got a letter from Freedom Mortgage and they pushing to cash out for a promotion. After speaking to my wife we said lets look into. Well that is when Freedom uncovered their mistake of not taking enough out for escrow. This is their job and not mine, why they are called XXXX XXXX. I then called Freedom back on XXXX XXXX to see what XXXX XXXX mortgage payment would be, they said it would change in XX/XX/XXXX and not to worry about it XX/XX/XXXX Well my usual payment is about {$1600.00} and when I woke up XXXX XXXX my new payment was XXXX. I went nuts and me and my wife and family barely survived. This is just wrong, after I had called, and told it would n't be going up this month. I under stand it has to go up, but give us some notice.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ME)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according ot the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX. XXXX  XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Can you look Into this matter
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EQUIFAX, INC. (MD)

I pulled my credit report and there was an account from Equifant which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Consumer complaint received 2015-11-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (KY)

Capital Management Services called my home and left a message that I needed to call them back about a debt that was in collections. I have no such debts, so I called them back and told them that I know that I do n't owe money and that they had no business calling me. They then asked whether I knew a " Supplied Name. '' I told them that it is illegal to call XXXX party about another party 's debt and that I would be lodging a formal complaint with the CFPB. The woman got snippy with me but said they would remove my information. I wish to make absolutely certain that that happens as I do n't trust these louts.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My mortgage was sold to Carrington MS LLC by XXXX. Issues from day 1, including no notice from them that they 'd purchased my loan. They made making payments difficult and basically forced me into missing a payment, the 1st and only payment that was ever missed in 7 years. Last year they sent me a letter falsely attempting to say I was required to get PMI. When I called they said it was a standard letter sent to all customers ; the letter said it was required due to loan type, it was not an informational letter. It took me 2 separate calls to get someone to send me a letter stating that I, in fact, did not need PMI. My concern now is that they are withholding my money. My home was sold in XX/XX/XXXX and the mortgage therefore paid off. I had to make somewhere between 5-10 calls over the course of 2 months to them in order to get a refund of my escrow, each time getting a different excuse as to why I had n't received the check and that they could n't tell me what the escrow amount was. When the check finally came, it included no information related to how the escrow amount was reached. I was told last month that the refund for my final mortgage payment ( XX/XX/XXXX ) was mailed to me on XXXX XXXX. I was told I 'd get a separate check for mortgage payment refund by XXXX separate agents, but told they could n't provide the exact number. I called today and was told that the check I received for the escrow refund included the final mortgage payment as well. The agent told me the amount of the check I received for the escrow refund. I asked for a breakdown of the escrow check, he said he would mail it. I asked that he tell me, to which he said he could n't discuss numbers over the phone. Even though he 'd just given me a number. In any case, the escrow refund is only for the amount I had in escrow, it does not include any additional monies as he tried to state. I asked my I was told by XXXX other agents on 2 other calls that I would be getting a refund for the final mortgage payment. He said they were incorrect. He all but refused to transfer me to a supervisor, then finally sent me to a general voicemail. It has been over 3 months since they were paid off for the loan. They are withholding monies that do not belong to them. I can not see where I have any recourse and do n't know what to do.