davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

Having obtained a Home Equitey Line of Credit from CitiBank in XXXX of XXXX, I ran the credit up to the limit quickly, and missed some payments, so credit was sealed. I made up the missing payments and have been paying interest plus {$100.00} - {$150.00} additional since then up to around XXXX of XXXX. At that time, having been laid off and out of work for about 1-1/2 years, I was unable to keep up payments. 

On XXXX XXXX of this year, I began discussions of how I might be able to modify payments to something I could handle. I entered into a " Hardship Treatment Process '' with CitiMortgage, and submitted a packet of documentation. Since that time, I 've had email and phone contacts with a rep for the process, and several times documentation was requested that I had just submitted. After contacting rep, was told " OK, that 's fine. I 'll let you know if we need anything else ''. Over the months I requested status updates several times and was informed " ... the file is currently being reviewed and nothing else is needed at this time '' or " it 's in process. when the underwriters have finished their review I 'll contact you. '' Then on XXXX XXXX, I received email notification from somebody at the bank saying that a new rep was assigned to me. I replied to that person and also forwarded email to the new rep, asking for update on status. I never rcd a reply from either one. 

Over past several months, I have been receiving continuous calls from CitiMortg. collections dept. During some of these calls, I learned that the new rep had allegedly tried to call me and never heard back from me. On further questioning, I found that he had been calling a phone that has been out of service for a year! ( Note that previous rep certainly had my correct ph # ). Today ( XXXX/XXXX/XXXX ) was the third time I reported this, and the third time I was told that they were correcting the contact information. I learned today that the file for me has become inactive, apparently due to missing documentation. I asked for them to send me an email with EXACTLY what was required, written down so there could be no mistake, but was told they could not do that - they 're not allowed to email. So I made a list of the documents required during the phone call and most, if not all, are documents I have already submitted. I was told that some sort of time period had been exceeded, so they need the same documents again ( and updated ones for income, etc ). 

At this point, I have an phone call appointment with the newest rep today at XXXX ( PST ), and will try to confirm document status and try to learn why this process seems to be going nowhere. 

FYI, I also understand that this Line of Equity lone, started in XXXX XXXX, will be amortized in XXXX of XXXX. I am beginning to wonder if this " Hardship Treatment Process '' is just an attempt to delay things until that happens.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (NC)

I purchase my home in XX/XX/XXXX, I had a XXXX mortgage as well to buy the home. In XX/XX/XXXX I asked the XXXX mortgage company if I could refinance the loan and include the XXXX mortgage with the XXXX. # # # # Bank is the first holder and they redid the loan to lower the interest and I thought they had included the XXXX mortgage so I stopped making payments on the XXXX mortgage. 
From XX/XX/XXXX until about 30 days ago I never got a letter from the XXXX mortgage, it also stopped showing up on my credit report. Now I am found out about the XXXX mortgage because I tried to refinance the loan again to lower my payments. I also found out they took it to court in XX/XX/XXXX and got a foreclose on the second note. I never got a notice from the sheriff department about this so I could have gone to court to defend myself. Now after I fell like I woke up the manner with them they have offered a loan modification that is more than I can afford {$13000.00} down and payments of {$1300.00} a month or they will foreclose on my home. I am now retired living on social security and hoped to live here the rest of my life.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (LA)

I am a non customer of this financial institution. I was attempting to make a deposit on my daughters ' behalf ( who is a Chase account holder ) into her account. I was at the XXXX XXXX XXXX XXXX location in XXXX XXXX, La. The incident occurred on XXXX/XXXX/16 @ XXXX. I pulled into a drive-up lane, requested a checking deposit slip, completed it and placed cash money into carrier back to teller. She asked if I had an account, I stated no I did not, that I wished to deposit into my daughters ' acct. She rudely stated, '' you ca n't do this, you must be the account holder! '' She never took the time to explain your bank 's policies on accepting cash from non customers. She is a very poor representation of your institution and certainly warrants training in customer service. I have never had an account with this bank, and certainly after this unpleasant interaction I have grave reservations in obtaining one. I informed my daughter of this incident and she as well is contemplating changing to another financial institution. I then gathered my monies from the carrier, and upon looking up at the tellers ' window, I noted she and another co-worker were standing and both staring at me talking amongst themselves. there were no other customers in teller lanes. How rude can this be?? I left quite upset, I drove to another branch in XXXX. This Chase location was much friendlier ( XXXX XXXX ). I asked teller would I be able to deposit into my daughters ' account and she stated I would only with a check. I proceeded with the transaction and left satisfied.
Consumer complaint received 2016-08-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (OK)

I got behind on my mortgage in XXXX 2016, that month I only had {$500.00} of the {$670.00} to pay so I sent the {$500.00}. The company still has that money and has n't applied it to anything and has not sent it back to me. I was n't able to make XXXX or XXXX payments due to replacement costs in the home. I sent the {$170.00} to get XXXX caught up but they sent it back refused to accept it saying they would only accept full payment for XXXX, XXXX and XXXX. How am I suppose to do that?
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (OH)

I paid off my Wells Fargo credit card in XXXX, 2016. I had a balance of {$0.00} on my next statement. Then, on XXXX/XXXX/16 I received a new alert that my payment had been reversed and I owed {$490.00}, which is my current balance. 

Wells Fargo can not give me a reason for this reversal. I do not currently have the money to make this payment and refuse to pay it again without a good reason why.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Account Discovery Systems, LLC (SC)

I was called by a collection agency ( Account Discover Systems ) regarding someone else 's debt. I instructed them not to call my number and the representative I spoke with got rude with me. I asked for her to stop calling my number with regards to the person 's debt, and she still insisted on getting smart with me.
Consumer complaint received 2017-08-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (TX)

I require assistance with my equifax credit file. Its been THREE MONTHS that Ive been back and forth with guys, When I search it up I get error code NH. And another code that says XXXX and to call and provide that code, so I did. Then I was told by your phone support that I needed to send my information via mail to get verified and have my file created. I sent the documents to your XXXX XXXX but customer support says they dont have it and they want me to repeat this entire process again. iAM NOT please update, fix and remove whatever you did to my consumer report ASAP or litigation will happen, this has gone for too far too long and remove the two inquiries that I have on there for which I have provided a police report below for.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (CT)

I recently got robbed by XXXX XXXX XXXX, a blatant auto dealer that deceives consumers. On XX/XX/year>, after hours, I dropped off my XXXX XXXX due to a leak in the cooling system. The following day, XX/XX/year>, I received a phone call from XXXX XXXX, who identified himself as the service advisor. XXXX XXXX informed me of a radiator leak, even though I had replaced the radiator two years ago following my XX/XX/XXXX. 

I had previously inspected the vehicle and found no visible external leaks. In other words, there was no external evidence of a leak. Who else can you trust if not a reputable XXXX dealer? They charged {$1700.00} to my XXXX XXXX credit card. Fortunately, XXXX XXXX promptly reversed the charges due to numerous complaints they have received. 

After picking up the vehicle, I noticed the cooling system warning reappeared after driving only a few miles. On XX/XX/year>, I returned the vehicle to the shop, where they claimed to have found a leaking upper radiator hose and charged {$440.00} to my Ally credit card. 

However, the problem persisted. On XX/XX/year>, after further inspection, they claimed the thermostat housing was leaking and charged an additional {$590.00}. 

This dealerships actions constitute a legal entity engaged in a despicable scam. 

Finally, enough is enough. Despite my eagerness to uncover the mystery leaks location, I took the vehicle to XXXX XXXX, where they confirmed the leak is internal in the cylinders. The work performed by XXXX XXXX was fraudulent and illegal, and all charges on my Ally credit card must be promptly reversed without further delay or inconvenience.
Consumer complaint received 2024-09-01
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX. In XXXX I had a repair shop " XXXX XXXX XXXX, XXXX rebuild the engine on my XXXX XXXX XXXX XXXX truck, but they did not properly repair the vehicle. They only replaced XXXX lifter instead of all lifters, did not repair the valves and replaced a crankshaft. Also, I have replaced the camshaft sensor three times since the repair. I paid for the repair with my XXXX XXXX XXXX XXXX XXXX card. I requested the credit union do a chargeback against the repair shop or hold them responsible to properly repair my truck, but XXXX refused. 
2. My Sam 's club card/Capital One was used by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days. She continued to use my card many times after my discharge. I approached her about it, and she promised to make good on the unauthorized purchases but never did, I filed a police report with the XXXX Florida police department. My identification was lost/stolen and as a result there were some attempts to open accounts by unknown person ( XXXX ). I am a XXXX XXXX, and she has committed XXXX  abuse. Capital One has refuse to go after her to rectify this situation. 
3. If you review my credit history, my credit score has not been below XXXX for more than 35 years. In addition, you will see that I have always paid on time or before time with all of my legitimate accounts including my mortgage. I have also paid off another mortgage XXXX years ago. XXXX has baselessly reduced my credit limit to a mere {$100.00} and refuses to restore my credit limit t to its original level. This is an unfair practice, and no one needs a {$100.00} credit limit it is virtually useless. 
XXXX XXXX XXXX XXXXXXXX has reduced my combined credit limit by {$23000.00} and it continues to get reduced with every payment. This is again a baseless and unfair practice. By reducing my credit limit with each payment, my credit utilization rate increases and with XXXX XXXX XXXXXXXX and XXXX the utilization rate is now remaining above 90 % when is has always remained under 50 %. This is again evidence of unfair credit practices and needs to be stopped. 
XXXX. Whenever a well reputed debtor has been consistent in paying their debts on time and before time, then isolated incidences of dispute appear on the radar, this is a red flag that something is desperately wrong with a transaction, the creditor treatment, be it interests, reduced limits, pending disputes, or some other issue. This does not mean that a debtor is having financial woes, under duress or strained financially. It may mean as it does in my case that I refuse to pay for transactions that I did not create, and I am not responsible for.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (IL)

Specialized Loan Servicing, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, XXXX XXXX XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from SLS. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?
Consumer complaint received 2016-08-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (NC)

There is a company that has had a collection on my credit file and I can not get them to reveal what the collection is for. As of yesterday they " updated '' the debt as to make it look like a new debt even though it 's been reported for a number of years now. I do n't feel their tactics are correct or ethical. I have been dealing with this issue since last year when I was in the process of getting a loan for a new house. The companies name is Syndicated Office Systems.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have included my initial dispute letter with transunion. In my letter i disputed several items and transunion did not investigate all of the incorrect information on my credit report. I also included my receipt of certified mail and i sent in the dispute letter. By law ( Fair Credit Reporting Act ) if they do not respond within 30 days then they have to delete the incorrect information and credit inquires that are on my credit report. They only investigated XXXX items and per my initial dispute letter I had XXXX items that are incorrect on my credit report and they only sent me a partial credit report. The best thing for TransUnion to do is to delete all XXXX items because again they did not do what they were suppose to do, Thanks
Consumer complaint received 2016-08-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

My husband recently XXXX. Prior to leaving he submitted the required paperwork to USAA ( just as he had done for previous XXXX ). Recently we received a letter from USAA denying our SCRA benefits and they would not be lowering our interest rates to the 6 % let alone the 4 % that they advertise. They state that we incurred the debt after entering into this activity duty status, therefore we do not qualify. Since he just recently XXXX, this is not possible and the debts were previously incurred. After multiple XXXX and submitting this paperwork to multiple institutions USAA is the only financial institution that has denied the benefits. I would also like to note USAA did not deny our request for the previous XXXX. I was transferred to XXXX different associates that failed to assist me. When I spoke with one of the representative at USAA he stated that this benefit only applies to reservists, when they are called to activity duty.
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I have several loans with Navy Federal Credit Union. I have a vehicle loan of which they are trying to deceive me every month by stating that I have to pay the next months car payment in the present month which will if im not paying attention I will pay 2 months because they 're trying to make it seem as if my payment is more than it really should be for the month. My normal car payment should be almost XXXX per month but I always pay XXXX. This month my car payment amount on NFCU website says this : Payment Due Due XXXX/XXXX/2016 PAY {$780.00} I copied it from their website. I contacted the NFCU and their representative stated that if you do n't pay your payment before the XXXX that the computer automatically changes your due amount to include the next months payment to include both which will have you payment amount being 2 months. Surely this ca n't be legal if I were an elderly person and just paid what was on the website who knows how much money they would take from me. I would like for NFCU credit union to stop misleading me by sending incorrect amounts for me to pay every months on statements for all of my accounts that I have with them I 've asked them to send the correct amount yet they still continue to send the incorrect amounts to me. I think that the Navy Federal Credit Union should be fined for this type of behavior. In the past they would never do something like this.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, XXXX I noticed in my online account that I received a credit for a " Deposit Discrepancy Adjustment ''. I did not receive any written notification or explanation of this discrepancy adjustment. I called into customer support and was told I would receive a letter. After having not received a letter, I called XX/XX/XXXX and was informed that no letter would be sent, but that the discrepancy related to a deposit I had made in XXXX XXXX that had been improperly credited to my account. Given that the information made available online does not go back that far, I have no way of verifying any of the information I am being told to be accurate. I was told that I would receive a written explanation of the error as well as a full review of my account going back to the account opening with signed representations that there are no further discrepancies. I called back this morning ( over two weeks later ) and was told that all that would be provided at some point in the future at their discretion is a written explanation of the error from XX/XX/XXXX but that no further review would be provided unless I can identify the specific error ( which of course I can not do without any records being made available to me ). 
Furthermore, it is deeply disturbing that it would take nearly three years for such an error to have been identified, much less in a fashion that it is so opaque for the depositor to understand the error.
Consumer complaint received 2017-08-28
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 (MD)

InXX/XX/XXXX had applied for a loan with Wells Fargo Bank but changed my mind and canceled the account Wells Fargo said they would close the account but inXX/XX/XXXX I received a letter form Wells Fargo that my credit card application was approved but inXX/XX/XXXX it was to be closed I called Wells Fargo they said they will take care of it I checked my credit report its listed as a open account I called Wells Fargo automated system on XX/XX/XXXX and the account is still open.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

AFNI is a third party debt collector that is reporting account information incorrectly to the credit bureaus and thus negatively affecting my credit score. I sent dispute letter to AFNI asking for validation. Their attempt at validation was a printout of account history, which I do not believe sufficient to validate the debt. And even if it is sufficient to validate the debt the account shows last payment date to be XX/XX/XXXX - well beyond the 4 year statute of limitations and nearly too old to even show up on a credit report. However when the report the account to the credit bureaus they are using XX/XX/XXXX and XX/XX/2016 dates making it look like this is a recent collection account and heavily impacting my credit score.