davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (PA)

I had applied for a mortgage through keybank. I turned in all my Information that was requested and needed. The girl that was working on my loan had left and my file was given to someone else. But before my original loan person had left she had already got my paperwork done and ready to be processed to the point where nothing else needed done. My file was handed over to the new person and that's when it all went down hill. For some reason this new person re started the loan all over again and just made the process very difficult and stressful. She was very hard to get ahold of.. wouldn't answer us back for days and that included calls, emails and texts. Keep in mind that this is for a house so we have a strict deadline for our closing date. Being that we wernt able to get ahold of our loan person we decided to go to her boss. That was a waste of time because he was no better at customer service or returning messages or calls. There was times that they sent other personal emails to me by accident and there was times that they refered me as someone else and had called me by the wrong name. I had to constantly remind them who I was. I paid for my appraisal and it was never ordered.. My application for my loan was never submitted.I dealt with this for almost three weeks before I decided to go to another bank. At one point I had to get it boyfriend involved because I wasn't able to handle the stupidity. She would tell him one thing in an email and tell me another. Very incompetent. And when I asked nicely for my file to be emailed to me so I could have all my information for my new lender and I was told no! My new lender refused to send me my own personal documents because she said she wasn't providing them for my new lender! I have tests to prove it. I was put at risk for losing my house because of keybanks poor customer service. Very disorganized and unprofessional.
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (FL)

I received a billing from ALLY bank after I turned the vehicle in in a purchase of a new vehicle. The charge was for a windshield crack and an interior piece that had a crack in it. The windshield was waived reluctantly on their part when I challenged it based upon the actual cost to replace it and not being given time to report it to my insurance for a comprehensive claim. In this case it was wrongly charged and taken back. Nothing to get from that except them realizing they had been wrong. On the interior piece they stood on this for {$100.00}. There was a very confrontational communication between me and one of their representatives leaving me with bitterness towards their practices. There was a statement something like and issue will be made of this by the representative. I have come to find that given they record interactions " for training '' this one was not found. I come to find that ALLY chose to charge it off and report it to my credit report as such. Recently I was advised that the destruction done to me through this action was severe, vindictive and an egregious act. I contacted a representative as high as I could get to find that they remain against the customer and over {$100.00} they are able to ruin a person forever. I will broadcast this situation every chance and in every location I can. I know they don't care yet maybe just maybe a consumer thinking about using their services will think twice about going through with it. The situation is just plain wring and I can hope that the company and its practices are found out and dealt with accordingly. You can always hope there would be a penalty for taking advantage of the consumer. ALLY Bank account number XXXX
Consumer complaint received 2019-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

To whom it may concern, Commenity Bank has made numerous phone calls to my cell phone using an 'unavailable ' phone number trying to retrieve payment. I have answered a few of said phone calls however, when I do, I usually get no response on the other end. This evening around XXXX XXXX EST on XXXX/XXXX/2017 I  was unavailable and a friend of mine answered the phone for me as instructed. She said " hello '' and the person on the other end who named himself as XXXX advised where he was calling from and for what reason without verifying my identity first. Obviously, said person who answered my phone was not me. In trying to ask why he is telling her all of this information he then tried to tell her she was not on a recorded line and that the phone number showing up on my phone that he is calling from was not listed on the Caller ID as unavailable. Unfortunately for them, it absolutely was. Also, he never stated he was on recorded line and he also tried to advise that they do not abide by the FDCPA. <P/>I would love some clarity on this issue as I am pretty positive that you can not disclose a debt to just anyone unless they verify some type of personal information such as SSN or DOB at the very least.
Consumer complaint received 2017-06-29
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. (MI)

I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since  XXXX   XXXX ,2017.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

Bayview loan servicing is using a delay tactics to provent the transfering of mortgage loan to the XXXX XXXX XXXX 's XXXX XXXX XXXX. credit union requested payout of loan number -XXXX-they said they could not send it until XX/XX/XXXX. XXXX XXXX XXXX 's XXXX XXXX XXXX also reqused the verfaction of mortgage they are also saying they can not send until XX/XX/XXXX. This is a delay tactic and it is not necessary to take that long. <P/><P/>The XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (TN)

We originally had an FHA loan obtained in XX/XX/XXXX serviced by XXXX XXXX XXXX with a payment that we made the first of every month without fail. We were contacted in XX/XX/XXXX to refinance for a lower interest rate by First Guaranty. In XX/XX/XXXX of this year we were notified that our mortgage payment would increase by roughly {$370.00} per month due to an escrow shortage. As it turns out, we were never instructed to pay the refunded insurance payment back into escrow at closing with First Guaranty. Additionally, our principal payment increased from {$240.00} per month to {$280.00} per month after the refinance. <P/>We have paid {$600.00} back into our escrow and now our payment is roughly {$250.00} more per month. First Guaranty used misleading and deceptive practices, and as result we have A HIGHER PRINCIPAL BALANCE, A HIGHER MONTHLY PAYMENT FOR 12 MONTHS, AND MINIMAL SAVINGS THEREAFTER. This refinance was actually punishment for paying our mortgage on time.
Consumer complaint received 2017-06-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX 2013 XXXX Volunteer repo Lose my job and I told them come and get it the the lady told me it will not be on my credit and I see that was I lie and keep calling me tell me it 's going to damage my credit and I see as if today they sold it to other lender
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Hello, these errors you keep reporting on my credit keeps me awake at night, it's taking a toll on my mental health, I'm trying to get a home loan yet It's either I get outright rejected or has exorbitant interest rates all due to the inaccurate reporting on your end- this is really depressing.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

OnXX/XX/XXXX, I received a phone call from an unknown number calling to collect a debt I supposedly owed Bank of America. I vaguely remember paying Bank of America off years ago for an non payment on a previous account. They told me some information they had, and it sounded legitimate. They told me I had to settle debt soon before having legal action taken against me. I agreed to make multiple payments. I made 3 payments, on XXXX, X/XX/17, and X/XX/17 and received a paid in full letter via email. The case manager gave a name and number to call, but I misplaced them. In an attempt to call them just to follow up, I looked up the creditor and called which only brought me to an automated system and directing me to voicemail each time. I looked up my bank information and tried calling the number associated with XXXX XXXX XXXX who collected from my account, the same issue. I printed my latest credit report and saw nothing about this debt I owed at all.
Consumer complaint received 2024-12-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

On XX/XX/year>, exactly at XXXX XXXX, I arrived at the US Bank located at XXXX XXXX XXXX, XXXX, CA, to withdraw {$920.00} from my Electronic Benefit Transfer ( EBT ) account. The ATM screen displayed an error message. I heard the sound of the machine dispensing cash as if it were about to withdraw my money, but nothing came out. I waited about XXXX minutes at the ATM, and despite the receipt indicating that {$920.00} was withdrawn, I did not receive any cash. 

I spoke with XXXX bank representatives, but they informed me that they were unable to assist since I am not a bank member. Although I am not a US Bank customer, I often use their ATM to withdraw my rent money. On XX/XX/year>, I spoke with customer service representatives XXXX and XXXX, who also stated that they could not help me. I am in desperate need of my rent money. 
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Consumer complaint received 2017-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I called Transunion In  XXXX   2017  concerning this dispute -- the representative transferred me to a supervisor who was very rude and disrespectful. First of all there is no one there that can speak  XXXX  which I felt was a huge barrier and caused our issues. I did not get my point across to explaining my case. I have been trying since  XXXX   2017  to dispute this case contacting the clerk of court and they clearly stated who this account belongs to, Transunion would not tell me what  3rd company they verifed this information thru and as you can see I have a freezes on all these 3rd par ty compainies and I just want proof from them this is my account because the clerk of court says they do not even verify that type of information anyway. My call with this company was an epic fail.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TX)

Credence resource management Keeps calling trying to collect a debt that I do not owe. There was a contract made without my knowledge. I was unaware of this contract. The creditor will call daily non stop. I did not sign there contract so i am not liable for debt collection from Credence resource Management
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Got automated messages on my place of employment and cellphone from XXXX about 2 collections that are against me, was given a reference number and to call XXXX. I called back and spoke to XXXX XXXX from XXXX XXXX that there is one account from 2006 that owes {$560.00} from HSBC, I do not recall that account. But they told my current address, which I have gotten no written notification about this account. Told her to provide written proof, was told her job was to communicate the information to me.
Consumer complaint received 2017-06-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I had my computer hacked the later part of XX/XX/XXXX. I had tried several different times to notify the company regarding my new email address and they were for some reason never able to correct my new email address nor did I get any paper statements in the mail. I had been making the payments from internet and made my final one I thought since I never received any statements for several months until XX/XX/XXXX. I 've tried resolving this issue with experian working with the department stores. I immediately called the store and found that they have a balance and at that time I paid this in full. Just a soon as I found that there was a balance and at that time was told that they had entered a 30 day late on my credit report.Asked to have it removed the 30 day and was told could not. Balance paid in full on XX/XX/XXXX {$240.00}. Copy attached Also attached emails since they changed my new email address. Never any for months before. <P/>I asked if this would be corrected on my credit report and they said it would never be.Tried several times to dispute this and they never would change. I 've got great credit. This was not I feel my error. Never did I receive a statement from them Until XX/XX/XXXX.Please show that these statements were sent out to me.
Consumer complaint received 2017-06-29
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. (MA)

My wife has a credit card at XXXX 's XXXX. While she listed me as an authorized user, I have no financial responsibility to this account. None of my personal information including Social Security number was attached to this account. XXXX 's failed to mail statements for a month, a {$26.00} purchase became a {$110.00} payment with late fees, and upon being informed of this balance, my wife immediately paid the account. XXXX 's reported this as a late payment on my credit report despite the fact that I have no legal obligation under the account.
Consumer complaint received 2019-08-16
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. (DE)

On XX/XX/2019 I received an offer from Citi Bank credit Card offer to redeem XXXX point (as of XX/XX/2019).  Among the available option there were listed the following: gist cards, donate with points, shop with points, travel rewards.  When I pressed "gift cards"  I was transferred to different gift cards menu sorted out in alphabetical order.  When I chose XXXX retail store under letter XXXX I got a message that there were problems with the web site and should visit the site later.  When I visited the place many times since I always got the same message about problems.  When I called customer service on 08/15/2019 I was told that I am not eligible for gift cards which was now what the offer mailed to me said.