davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (TX)

We sold our home and the loan with Alliant Credit Union was paid off on XXXX XXXX. Alliant rep XXXX said a check for {$4500.00} was mailed on XXXX XXXX for escrow overage. The check never arrived. On XX/XX/XXXX, I spoke with XXXX and he stated that I must give the check 30 working days to arrive. Called Alliant again on XXXX XXXX and was told by XXXX that the check was sent to our address of the sold home and it most likely would not be forwarded to the new address. She suggested a change of address and then would have check reissued. Change of address form was emailed on XX/XX/XXXX. Still had not received the check by XX/XX/XXXX. Phoned again, spoke with XXXX and asked to speak with a supervisor. Spoke with supervisor, XXXX, she said they never received the change of address. I emailed second change of address and was told the check would be reissued the next day. Phoned on XX/XX/XXXX and spoke with XXXX, she stated that the address change was processed and the check was reissued that day. Stated to give the check 15-30 days to arrive. XX/XX/XXXX still have not received the escrow overage check. I asked to speak with a supervisor, spoke with XXXX who stated that their check writing department is " really backed up from people calling asking for checks ''. I told her that was an unacceptable answer and this needed to be resolved today. She said the best she could do would be to manually request another check and ask that it be expedited, stated it would take at least 14 days to arrive in the mail. Totally unacceptable that I have had to wait almost 5 months for my money and it still has not arrived even after multiple attempts to resolve. The company is taking no responsibility only stating that they are very busy!
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

I applied for a mortgage with Cross Country Mortgage to close on my current home at the behest of my realtor because XXXX XXXX was taking much too long. I had done a refi with XXXX XXXX on my previous home so I guess my credit score was lower than it should have been. Cross Country Mortgage insisted that I had to go FHA when I have had conventional mortgages for the past 2 homes. I had 20 to 25 % for the down payment and the said I still had to go FHA. I was not happy with this and voiced my issues with FHA loans but I had to close on my home so I had no choice. Then I find out the day before I got stuck with PMI and upfront PMI {$5500.00} which I questioned when I had 20 to 25 % down payment why would I need PMI. Could not get a straight answer from anyone so I called Cross country in right after the closing and asked them to remove the PMI. They sent me a letter with the criteria and that it could not be removed for 11 years. I am paying {$210.00} more a month in PMI. I have called a few times and get no answers and help and spoke with my sales person, The last call I made I was told I have 81.1 ltv when I should have under 80 ltv and that is why I can not remove my PMI. Sounds like they lie to to their clients as much as they can. Why would I take PMI when I am trying to retire in a few years, I am XXXX XXXX old.If I refinance into a new loan the rate will be higher and it will cost me between 7,000 and 10,000. I would like my upfront PMI payment back and the monthly PMI removed from loan,
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, XXXX, XXXX, and Experian
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (NJ)

I had an issue with XXXX landline service. There were multiple outages over the period used their service. They would not issue me any credit for the time I had no service. After I close the account they sent any remaining balance to collections. That ended up on my credit report. 
I made a payment on XX/XX/XXXX to the collection agency XXXX used ( XXXX or EOS ), as that's the most expeditious way of addressing the issue right now. 
The credit agency reported back to XXXX that the account was paid in full. However, they're making it very difficult to get any sort of confirmation. EOS keeps telling me it takes three to four business days to send an email. I followed up with them multiple times over the last few days and they just keep on pushing the email date further. 
I reached out to XXXX, they tell me the account is closed on their end. 
EOS and XXXX both tell me the other one is responsible for updating the credit bureaus.
Consumer complaint received 2020-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

Loancare LLC gave false information and stated that a loan modification was granted via phone, a letter was recieved stating that no modification was granted. XXXX? 

Loancare LLC knowingly claimed that my primary residence is NOT my primary residence, as paperwork was supplied as requested by Loancare verifying home occupation.

Loancare LLC willingly engaged in dual tracking in violation of federal law.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (DE)

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 
fraudulent inquiries on XXXX credit report. 

Ally Financial from XX/XX/XXXX XXXX  XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX from XX/XX/XXXX this was on all 3 reporting agencies
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

The XXXX XXXX that I am being through because of this issue, has taken me to get XXXX  attention. The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by TRANSWORLD SYSTEMS INCS actions. I need you to take this matter seriously, and send me a response. 

Please read carefully the following violations that your company has committed under the California Credit Reporting Act : 1. TSI has re-aged the account. This has a big impact in my credit score, since account will be on report more than the time allowed by law.

2. FCRA inconsistent reporting.

3. failing to put accurate delinquency date.

4. failure to provide notice of adverse reporting.

5. Negligence.

6. unfair business practices. 

Account number:XXXX Opened : XXXX High Credit : {$700.00} My demand is that you DELETE THE ENTIRE TRADE LINE for this account base on the damages that I have suffered. 

See attached
Consumer complaint received 2020-11-24
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: EQUIFAX, INC. (FL)

I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (FL)

i have made several attempts to resolve incorrect items being reported to Equifax. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX XXXX- XXXX 2. XXXX- XXXX 3. XXXX- XXXX 4. XXXX- XXXX
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I have a checking account with Chase, who has an Overdraft Policy available noting that they charge an overdraft fee of {$34.00} when an account is overdrawn by more than {$5.00} ( see attached ). On more than one occasion, I have overdrawn my account by less than {$5.00}, but was still charged a {$34.00} overdraft fee. Recently, my account was overdrawn by {$4.00} but was still charged an overdraft fee. I used Chase 's messaging feature to ask that the charge be reversed and they responded that they charge based on whether the account is overdrawn by less than {$5.00} at the end of the business day ( attached ). 

However, at the end of the day on XX/XX/2020, by account balance was - {$4.00} ( under the - {$5.00} threshold ). Only the next day did charges appear that were suddenly listed as having been charged the previous day when it was not when I checked that evening. 

I am concerned, as I have expressed to Chase before, that my transactions are being re-ordered to incur more fees which is extremely unethical and takes advantage of low balance customers. 

I would also like to note that {$34.00} is an EXTREMELY high amount to charge for an overdraft even in the best of times. To charge such an exorbitant amount per overdraft up to {$100.00} PER DAY seems to prey on low balance ( and perhaps low income ) customers. As a very large Bank that caters to the individual consumer market, these fees could use some looking into by the appropriate governing body. Personally, by my quick count, I have been charged {$780.00} worth of overdraft fees since the beginning of the year, and that is even after some were reversed at my request ( which I do appreciate! ). Especially considering the global pandemic, it is a shame that these large consumer banks show no concern for throwing fees at the low balance customers that can least afford it.
Consumer complaint received 2020-09-19
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I have tried 3 times this year to get XXXX  and Ally Financial to PROPERLY REPORT MY PAYMENTS FROM 2019!!!!! I have MAILED AND EMAILED PROOF OF PAYMENTS AND STILL NOTHING GETS CHANGED OR DONE??????!!!!!!! My payment is due on the XXXX of the month btW and my payment is {$410.00}. 
Ally is reporting 5 - 30 day late payments in 2019 and I HAVE PROOF FROM MY BANK STATEMENTS THAT I WAS NEVER 3 DAYS LATE IN 2019!!! I EVEN PAYED EARLY ONCE IN AND THEY CHARGED ME 30 DAYS LATE THAT IS THE ONLY ONE THEY CHANGED ON MY REPORT BECAUSE IT WAS 6 TIMES LATE THEY REPORTED!!!!!!!!!! NOBODY INCLUDING ALLY SEEMS TO CARE AND THIS AFFECTS MY LIFE GREATLY!!!!!!!!!!!! I WOULD APPRECIATE SOME HELP PLEASE!!!!!!! 
XX/XX/2019 - PAID {$850.00} ON XX/XX/XXXX FOR XXXX & XXXX XX/XX/2019 - PAID ON XX/XX/XXXX {$420.00} PAID AGAIN ON XX/XX/XXXX {$400.00} XX/XX/2019 - PAID ON XX/XX/XXXX {$410.00} 2 FREAKING DAYS LATE AND CHARGED 30 DAYS AND I AM GETTING LATE FEES ALSO!!!!! 
XX/XX/2019 - PAID XX/XX/XXXX {$420.00}! 
XX/XX/2019 -PAID EARLY ON XX/XX/XXXX!!! {$410.00}!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We were on mortgage forbearance for 3 months due to Covid. In XXXX we requested 3 additional months of forbearance extension. The bank keeps telling us we are in " review '' and will not give us a final decision. They kept asking for the same documents over and over again. We sent everything, I called them every 3 or 4 days to see if there was a decision, on the phone they always say " you're in review for a decision, don't do anything, wait for a letter from us. '' Now we're getting letters from them saying we are delinquent, this mortgage has been reported to credit bureaus as " seriously delinquent '' and we're getting foreclosure letters. But when I call the bank and tell them, they tell me we are still in review, in good standing, and we will get a letter with the decision, and to ignore the " foreclosure '' letters as that is just something that happened " by mistake. '' It has been several months like this. We don't know what to do. We want to wait and see if our forberance extension is approved. But we're now seriously worried, first the foreclosure letters and now the credit bureaus show our loan as delinquent. 
Please help me get an answer from this bank, Specialized Loan Servicing LLC, as we don't know what else to do. Before Covid, we always paid our mortgage early, we paid extra each month, and should not be treated this way by SLS.
Consumer complaint received 2020-12-11
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. (FL)

i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX 4. XXXX XXXXXXXX
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month.  Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Consumer complaint received 2020-09-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Quicken/Rocket mortgage kept changing Discount points from XXXX pts at 2.75 % to XXXX pts at 2.75 %, again to XXXX pts at 2.75 %, wait for it ... XXXX pts at 2.75 % .This clearly appears to be Predatory Lending Practices! This refinancing process started XXXX XXXX months ago too many delays. I submitted all documents very quickly. I had to withdraw from the process too many RED FLAGS!
Consumer complaint received 2020-09-02
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

XX/XX/2020 I disputed the XX/XX/2020 charge from XXXX XXXX for {$620.00}. On XX/XX/2020 I had a guaranteed reservation with the merchant. However, upon arrival to pick up a vehicle the merchant was sold out and only had premium upgrades available for rent. I spoke with XXXX Customer Service on XX/XX/2020, XX/XX/2020, and XX/XX/2020 who informed me I should not be charged an upgrade fee at all as my reservation was guaranteed and as a XXXX XXXX  member, I am guaranteed a choice of almost every vehicle on the lot under their XXXX XXXX XXXX program. The exception being the premium vehicle upgrades which should cost me at most an additional {$25.00}. However, I should have not had even been charged an upgrade fee as my reservation was guaranteed and they were required to provide a vehicle. Regardless, rather than being charged the {$49.00} + {$25.00} upgrade fee at most, XXXX charged me {$620.00}. This represents a significant overcharge from the contracted rates guaranteed at the time of rental. I provided Citi all the documentation needed, a signed explanation of the dispute, the original reservation, documented evidence the upgrade cost should have been at most {$25.00}, as well as proof of my XXXXXXXX XXXX  XXXX XXXX. I also provided Citi with a copy of the Mastercard Chargeback guide which all conditions needed to validate this dispute where met. 

Rather than process the dispute as required under the FCBPA, Citi sent me a letter dated a month prior to the dispute even being submitted closing the dispute. Upon contacting CITI on XX/XX/2020, and escalating my call to a manager Citi representatives claimed they had no dispute rights for this charge and there was nothing they could do, in opposition to the Chargeback guidelines provided by MasterCard. This represents a clear violation of FCBPA.
Consumer complaint received 2020-09-20
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. (ID)

On XX/XX/2020 I disputed an account with balance of {$3500.00} account number XXXX held by XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX. 

No proof of this debt was provided, and thus they were required to remove the debt and stop reporting it. 

The debt was originally removed from my transunion account but continued to show on the others, which should not have been allowed As of XX/XX/2020 I again disputed a charge from original creditor XXXX, currently owned by XXXX XXXX XXXX, account number XXXX with a balance of {$3500.00} ( XXXX dollar less no less, so reporting inaccurate amounts where they clearly dont have any idea what this debt is ) I have multiple items from XXXX  on my credit report and no creditor should be allowed to report this on my credit as the debt was not verified, and I was never informed that debt was sold again. 

Please have this removed from all reporting locations and block them from illegally putting this on my credit again