davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this.

This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have Equifax, XXXX and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
Consumer complaint received 2018-06-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

I refinanced my mortgage with XXXX XXXX currently know as CIT in XX/XX/XXXX.It was an ARM which reached its peak at 4 %. I have been paying my mortgage and am not behind however I received an escrow analysis which says I have a shortage of $ XXXX.

I tried to pay my regular amount of {$2500.00} and the mortgage company charged my bank account {$23000.00} and other like amounts for the past 2 months rendering me responsible for cancellation fees with my bank and rendering me unable to pay other bills until it was cleared up. I only authorized the payment of my monthly mortgage and escrow which is {$1600.00} principal/interest and {$950.00} escrow a total of {$2500.00}. It would only allow me to pay {$22000.00} this month which I do not have.I have submitted a letter to XXXX to let them know that this is causing me a hardship.This loan is predatory as best and I believe that I signed it out of desperation to keep my property and now when I am stable they want me to pay {$4100.00} a month or the lump sum of {$22000.00} which I do not have.The new monthly escrow amount {$1800.00} is more than the principal and interest as mentioned {$1600.00} They deferred {$100000.00} in a balloon payment and the total mortgage owed is $ XXXX. I do not know how I got the surplus in my escrow because I thought when I refinanced I was starting fresh again.I find this destabilizing my ability to stay in my home in my senior years.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NE)

I would like to file a formal complaint against XXXX XXXX dba CareCredit. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX, which XXXX XXXX dba CareCredit applied to my account on XX/XX/XXXX and which cleared the XXXX XXXX XXXX on XX/XX/XXXX. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX which XXXX XXXX dba CareCredit applied to my account XX/XX/XXXX and which cleared XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX dba CareCredit then charged me a late fee of {$38.00} and additional interest on the XX/XX/XXXX statement and further sent me an email on XX/XX/XXXX claiming I had missed the XX/XX/XXXX payment. I mailed my XX/XX/XXXX {$200.00} payment on XX/XX/XXXX as usual and which cleared XXXX XXXX XXXX on XX/XX/XXXX, so who knows what XXXX XXXX dba CareCredit will come up with on my next statement. 

This is after XXXX XXXX dba CareCredit charged interest each month during XX/XX/XXXX after agreeing to a changed payment date until I filed a formal complaint with the CFPB, when they finally removed the late charges after blaming me for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX. Additionally, XXXX XXXX   dba CareCredit failed to reply to my correspondence sent to their website link on XX/XX/XXXX until XX/XX/XXXX ( 7.5+ months ) and then finally blamed my for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX . Because of their failure to respond to my original request for almost 8 months, XXXX XXXX dba CareCredit has now added back interest to the account virtually doubling the amount due for my XXXX XXXX. 

Please require the following of XXXX XXXX dba CareCredit : 1.  Remove the late fee of {$38.00} charged on the XX/XX/XXXX statement 2. Remove the interest charges of {$1000.00} and {$1200.00} from the XX/XX/XXXX statement 3. Permanently remove the interest charges of {$1000.00} and {$1200.00} shown on the XX/XX/XXXX statement for a minimum of 8 additional months which are a result of XXXX XXXX dba CareCredits failure to respond to my XX/XX/XXXX complaint for 8 months last year 4. Charge no interest for the next 8 monthly billing cycles due to XXXX XXXX dba Care Credit 's failure to respond to my XX/XX/XXXX complaint in a timely manner
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I contacted my ( bank ) USAA on several occasions during late XX/XX/XXXX and early XX/XX/XXXX regarding the issue identified below concerning my government card payments being returned as NSF : M XXXX XXXX credit card account was closed due to two returned ACH payments during XX/XX/XXXX, payments I initiated via online and USAA returned as NSF. 

Upon receiving notification from USAA Bank of the returned payments I contacted USAA to ascertain why my payments were returned and unfortunately, I did not receive a prompt explanation of the issue ( s ) that caused this action. 

After further communications with USAA regarding the returned ACH request for payments, they refunded the four NSF fees associated with the ACH requests I initiated, as each online check request was presented twice. I also requested USAA provide verification of the NSF payments as errors and they informed me that they have no formal verification template form or process that would meet XXXX requirements, but would provide a transaction history that shows the NSF activity and return of NSF fees. 

To maintain a XXXX XXXX XXXX XXXX, there can be no more than two retuned payments within a 12 month period and in this case there were four within one month albeit, the same two ACH payments accounting for 4 NSFs.
Consumer complaint received 2018-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have been working in non-profits for 9 years now, and it turns out that my payments on my students loans for most of that time were not eligible for the Public Service Loan Forgiveness program, because I was on a 20-year payment plan rather than the 10-year or the Income Driven. However, had I been doing the Income Driven, I would have been paying even less than I was at the time. In fact, when I did switch to the Income Driven system, my payments were {$0.00}. So I could have had over 100 of my 120 required payments completed, but I only have 35 on paper. Here are the issues here : -Inadequate communication of the PSLF program. Most people who qualify for this probably don't even know it exists. I found out about it, pursued it, submitted a form that stated that I was applying 5 years worth of payments toward it, and at no time was I notified that those payments hadn't counted. I found out that I only had 35 payments counted toward the 120 because I was looking up how many more months I had to go -- only to find I have 7 more years!

-Inflexibility of the program. I was working with XXXX XXXX, and I kept asking them who I can appeal to, and they said there is no one. I find this very frustrating. The whole point of the PSLF bill was to encourage and reward people who went into student debt in order to pursue a career that serves the community but doesn't pay well. I was a XXXX XXXX XXXX for five years and now I've been a XXXX XXXX for five more. And I was making little enough that I could have easily been on the Income-Driven program during that whole time. Why is there no appeals process that can make my previous payments count toward the loan forgiveness program?
Consumer complaint received 2018-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

I lost my job XX/XX/XXXX but paid my mortgage until XX/XX/XXXX when severance and savings ran out. I called to ask for options and was told a Loss Mitigation package was required. Thus far, I've submitted at least 4 completed packages to Freedom Mortgage. I've called them every week since XX/XX/XXXX to follow up with these packages. Each time I'm told that I didn't do what they wanted. Each time I'm told that my emails weren't received. Each time I'm told that something is wrong, or I was told wrong information. 

About XX/XX/XXXX, I asked to speak to a supervisor because a woman who thought I wasn't connected ( internal transfer ) was trash talking me as I was listening. XXXX attempted to help me because the packet submitted in XX/XX/XXXX was declined, because THEY SENT THE WRONG XXXX version to me to complete. Each time it has been a failure of their employees to do the work. Each time has been because email doesn't work. Faxes are converted to email. Emails are then scanned into their system. 

Following dates are items that I have sent to keep up with their terms that everything must be 60 days current ( dated and signed ). XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I lost my job, but I'm now employed. I have more than two months of house payments saved. I'm not able to pay them anything because they sent my house to Foreclosure department and I'm only hanging on by a thread. I've complained, pleaded and begged for someone there to get this done. I want my house. I don't want this to go on anymore because they can not run a company correctly. Every month is a struggle with stress, emotions and constantly calling them. NO ONE CALLS ME TO EXPLAIN. It is only when XXXX was in contact with me that I got moment.
Consumer complaint received 2024-09-14
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

Violation of THE FAIR DEBT COLLECTION PRACTICES ACT 809. Validation of debts 15 USC 1692g XX/XX/XXXX I submitted a Certified letter of dispute and debt validation letters to Cedar Financial. 

Over a month went by I had received nothing from the company. 

However I received a copy of an old email correspondence between me and an unlicensed property manager in a building that i once lived in. He told me if I moved out I wouldn't have any problems. However He only said that so I wouldn't appear in court. 

They had over 2 months to gather the information regarding proper debt validation. After 2 months went by they found some documents but still not fully complete. They did not comply by law they must have it removed.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

I am being told that I owe TD bank some money and I have never had an account with them. 
When attempting to open an account via a Credit Union I was denied because of a XXXX report from TD Bank in the amount of {$240.00}. I have never had a TD bank account. I contacted the number on their website to report suspected fraud and the call center team kept me on hold for over an hour and then some manager in New Jersey named XXXX was not any assistance. She told me I need to go into the bank. I do not want to be inconvenienced over this mess. 
TD Bank clearly has allowed an account to be opened using my Social Security number and it needs to be rectified immediately. 
XXXX reported this XX/XX/2016 for a XXXX XXXX with my Social Security number.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Equifax to have this account validated. I have had several invalid addresses, phone numbers, inquiries and accounts show up across various credit reports. Yet Equifax keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX/XXXX using the number provided by Equifax 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Equifax for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle.
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I fell behind on my mortgage due to job loss in XX/XX/XXXX. My loan was sold to Carrington Mortgage in XX/XX/XXXX. When I started working in XX/XX/XXXX after I received my first check in XX/XX/XXXX, I called to set up payment arrangements that by my calculations would have had me not only caught up, but ahead on my mortgage by the beginning of XX/XX/XXXX. The person I spoke with, told me this was impossible, my account was " locked '' against partial payments and that they would only accept the full amount due at that time. They also advised me to try to get a mortgage modification. I agreed to attempt the modification and awaited the paperwork. They paperwork did not arrive until XX/XX/XXXX. I was denied for repayment or modification. I received a general collection call from them regarding my account in XX/XX/XXXX, where I was told by the representative that my account was not " locked '' and that payments ( partial ) could be made, it's just that she wouldn't be able to take it over the phone I would have to send it in via mail or wire transfer it, but also that the lock could go on my account at any moment, she also said to try again for a modification, which I did. The paperwork came in XX/XX/XXXX and I was denied in XX/XX/XXXX. I called with someone on the phone with me to attempt to speak to someone in the Modification dept. The first time I got through, but when I called again the next day with more questions and concerns I was denied contact with the Modification dept and the rep stated because they spoke with me the day before they would probably not take my call. She did not attempt to transfer me. I applied again for a modification and have again been denied, I've attempted to make payments, the first was accepted the second rejected. The reason they have been denying my repayment requests is because they say it will take more than 6 months to repay the past due, and I keep trying to show and explain that it would NOT take more than 6 months, I can have the deficit cleared and my account completely in the black in 6 months and it would have been cleared if the person I spoke with in XX/XX/XXXX had been truthful with me. I have friends that are able to assist with my basic needs while I meet this past due obligation, but there's no way to list or count that as " income '' I was told by the rep because their assistance wouldn't start until I was approved for the modification and was making payments. Carrington Mortgage is refusing to work with me to help me stay in my home they are only offering deed in lieu of foreclosure and that is not what I want. I am willing to accept any assistance to stay in my home.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$5100.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX is reporting an collection with a company called XXXX XXXX   account # XXXX This isn't my account, shortly after XXXX had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (PA)

My Discovery Credit Card opened XX/XX/2017, My limit was {$3000.00}, currently it is {$2000.00}! Discovery Credit Card decreases my limit whenever it gets to 200-400 available credit!!! Yes! balance was high!! Due to moving into my New three story Town House in XX/XX/2017, my limit was close to max quickly!! I knew my Credit Utilization would increase and my Credit Score would decrease due to purchasing I needed to make with my new home. I gave myself 1 1/2 years to pay everything off! Spoke to rep and they said to make sure payments were made and to set up auto pay ( did that ) and I should be fine!! Payments are way over minimum!! Every time my Limit is decreased, my Credit Score goes down. Which affects my Credit Worthiness!!!
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

In response to a Citibank promotion to open a checking account, I followed the three steps to obtain a {$300.00} bonus, namely : 1 ) Make a qualifying deposit of $ XXXX  2 ) Maintain that $ XXXX  balance for 60 days 3 ) Completed one qualifying direct deposit for 2 consecutive months.

I opened my account in late XX/XX/2017, and set up my paychecks to send {$250.00} twice a month to the account. I have maintained that practice to this day.

After six months of leading me along, with multiple Citibank representatives telling me that I had qualified for the bonus and that it was just around the corner, they are now saying that since it took more than 30 days for my direct deposit to start working, I failed on this technicality to obtain the bonus that I had earned.

The original advertisement did not contain any such language, and subsequent materials Citi has shared does suggest that they have a time limit for the initial direct deposit. However, multiple Citi representatives failed to relay this information over the first six months of this account, making my rely detrimentally on their promises ( which they continue to make ). I would like receive the bonus I earned in good faith.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$7600.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.