davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LD Holdings Group, LLC (NJ)

I recently purchase a home and did my mortgage with Loan Depot in XXXX, NJ. Part of my application was to obtain homeowner 's insurance on the property, which I did and paid in full ( {$620.00} ) on XX/XX/. At closing, XX/XX/2XXXX I was charged again, an additional {$620.00}, for insurance for XXXX year and then another 6 months for escrow. I was told to contact the insurer or loan depot to resolve since this was an overpayment. 

First I contacted the insurer who tells me that they never received an additional payment and I should contact Loan Depot so I began contacting the lender. 

My first call to their customer service line sometime in early XXXX resulted in the agent telling me that he needed to contact the branch manager and the processor and he would have someone contact me later that day. I never heard from anyone. 

I waited a couple of weeks and contacted customer service again. They seemed confused that no one had contacted me and assured me that someone would contact me before the end of business that day. I did not hear from anyone. 

The loan officer who did my loan no longer works for the company, but I asked her who I can contact so she directed me to her branch manager, XXXX XXXX. 

I emailed him on XXXX with the issue. He responded on XX/XX/ telling me the issue has been resolved and asked if anyone has contacted me. I told him that no one has contacted me and that the issue is not resolved. He responded that a credit has been issued to me and he would follow up with me on Monday. I have not received any credit and he did not follow up on Monday. 

I reached out to him on XX/XX/2023 asking if he had any update for me and he responded that he was in Connecticut for meetings and asked me for documentation of the issue. I then sent him the documentation and I never heard back from him. 

I then reached out to him again on XX/XX/ asking for an update and he never responded at all. I also know for a fact that he was at work because the Loan Depot office is in the same building where I work and I saw him in the hallway, Finally, on XX/XX/ I reached out to XXXX and I also copied his manager XXXX XXXX asking for resolution and I let them know in the email that I would be making this complaint if I didn't hear back from them. I received no response.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

MOHELA is my student loan servicer. They received an autopayment for my first student loan payment after the " pause '' on XX/XX/2023 directly from my bank account. Today, XX/XX/2023, I was notified by MOHELA that my loan was placed on XXXX XXXX. I did not request this nor did I miss a payment. I tried to call them and I was alerted of an XXXX minute hold time on their automatic phone line. I stayed on hold for XXXX minute and then I was hung up on. I tried to contact them through the studentaid.gov phone number and I was on hold for over XXXX minutes and then my phone 's battery died. There is no email or direct messaging available for MOHELA. I sent a secure email through their website and I was notified that they will get back to me in 15 days. Meanwhile, my loan will accrue interest for those 15 days! I refuse to pay this amount since I can completely afford and pay my monthly loan amounts. I am also in XXXX, and I believe time in forbearance does not count towards XXXX.
Consumer complaint received 2023-10-12
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. (SC)

In my fourth endeavor to resolve this matter, I want to emphasize that this marks my third attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Consumer complaint received 2023-05-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX  : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$83.00} Be notified that this complaint is my follow-up complaint to ensure that the listed accounts are repaired.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (TX)

My ex boyfriend used my id and driver 's license to open accounts after I left after he broke my hand off my wrist. Kikoff closed finally closed the account but refuses to remove it from my credit report claim they verified my identity with the social security number and driver 's license submitted. I asked how they could prove it was I was the one who submitted the information. No response. Probably because they can't prove it. They didn't verify anything.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (NJ)

I experienced Identity theft at BMO, Bank of Montreal US branch ( BMO N.A. ).

A checking account was opened under my social number at BMO. 

I received an email that my account application was pending on XX/XX/2024 and XX/XX/2024 ( Reference code XXXX ). I received an email that the checking account was opened on XX/XX/2024. 

I made an initial phone call to BMO customer service on XX/XX/2024 at XXXX pm to report the case. The XXXX  gave me the wrong information saying there's no account under my social number. However, when I checked using my email and social number on their website it was registered as a user already. They also informed me the wrong website address ( i.e., identitytheft.com ) to report my case instead of ( identitytheft.gov ) The case was reported to the local police on XX/XX/2024 ( Ref # XXXX ; XXXX XXXX XXXX # XXXX ) and IdentityTheft.gov ( Ref # XXXX ). 

In the second phone call to BMO on XX/XX/2024, they acknowledged the fraud activity and informed me that the report was made and it is under control without providing further information including a reference number. 
I experience great difficulty getting proper actions from the BMO. 

I emailed them to send me a written confirmation with all the details and closure of the account. I have not received their response yet.
Consumer complaint received 2024-02-02
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC (IL)

I have been trying to address an outstanding balance with debt collectors, XXXX When looking up the phone number for XXXX, I was directed to credit sage. 

While speaking to credit sage, i was under the impression I was speaking to XXXX and settling my debt. I gave them my social security, mailing address and card information. They also used XXXX XXXX & asked me to answer personal questions on the phone, which I verified.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has imposed a limit for transfers to outside Bank accounts 2 business days Daily Maximum {$10000.00} 30-Day Maximum {$15000.00} Due to which I am not able to transfer out more than XXXX XXXX  per month. Called Wells Fargo how I can get this limit increased - I was told that they won't
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (FL)

Credco Consumer Services Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Get My Consumer Report Credco, Please send me a copy of my consumer report to the address on file. Enclosed with this is my drivers license, social security card, and mailing address. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLIANT CREDIT UNION (NJ)

First Issue : Incorrect Escrow Charges and Mishandling of Account Two ( 2 ) written requests for an escrow account analysis. ( XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) Multiple verbal requests for an escrow account analysis. ( XX/XX/XXXXXXXX  - two phone calls, XX/XX/XXXXXXXX  phone call, XX/XX/XXXXXXXX  phone call, and finallyXXXX phone call ) Six ( 6 ) requests for substantiation of basis for reasons overcharging escrow account with respect to our property taxes by more than {$10000.00} - these dates are detailed above. 

We submitted our XXXX XXXX, NJ tax roll showing our last two full tax years at less that $ XXXXyear and have requested that they substantiate the basis for charging us over {$10000.00} more on our escrow raising our monthly escrow charge from {$1200.00} to {$1900.00}. We have a real estate tax abatement until XXXX of XXXX  and our taxes have remained fixed and have been below {$13000.00} for four straight years. This was after they started XXXX  only charging us {$150.00} and paying us an overage at the end of XXXX. We are on a fixed rate mortgage and have fluctuated against escrow accounts from {$120.00} to over {$1900.00}. 

When they did not respond in XX/XX/XXXXXXXX  we have been withholding our payments in order to leverage them to fix the issue. 

On XX/XX/XXXXXXXX  phone call, they put in a work order on our account management. But then when they transferred us out of escrow we only got customer service department people that threatened us and only wanted to collect the debt and refused to discuss the ongoing issues. 

Second Issue : Did not pay Homeowners insurance as bound by our mortgage agreement and our insurance was cancelled and we had to find new insurance. 
They ignored all contacts for payment, and then blamed us. We had to produce the mortgage documents to them and only then did they acknowledge that it was their responsibility to pay the homeowners insurance. We had to scramble to find new coverage. Nevertheless, they refused to pay any difference in insurance and exposed us personally. They took no financial accountability of their wrong doing. They then tried to charge us in Escrow for it when we now pay it directly due to their mishandling.
Consumer complaint received 2023-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

Prior to my PSLF loans being transferred from XXXX  LXXXX to Mohela, XXXX  XXXX wrongly rejected one of my employment verfications ( dated XX/XX/XXXX ). In XX/XX/XXXX, I resubmitted the form to Mohela, got no response. Submitted a new form in XX/XX/XXXX that included all the months up to and after the XX/XX/XXXX submission. That form eventually got tagged as a duplicate, despite including more recent months and having a different date. I emailed them in XX/XX/XXXX explaining it was not a duplicate and the dates were different. They did not respond. At that point I wasn't sure what was happening with the form, it didn't show as rejected. I waited longer, by XXXX it was still not processed. I called them again in XXXX and the rep said my form had wrongly been marked as a duplicate, she would resubmit it and it would process in 14 days. One week later I get an email that I'm still not eligible for PSLF loan forgiveness because I don't meet the 120 month count. But if they give me credit for the months I've submitted, I far exceed the 120 months. I called again, and they told me I'd have to wait another 50 days. At this point, I'm at 145 eligible payments, and the only thing saving me is the freeze on loan payments. Their customer service is horrible. They don't respond to emails, despite giving that as an option for communication. For months after the loans were transferred you couldn't get any human on the phone. Now you can reach someone, but they seem incompetent to do anything. They just recite canned language to you and don't problem solve an issue. I have $ XXXX in loans that are overdue for being forgiven and I've submitted all the required paperwork OVER and OVER. I have not been given credit for public service employment since XX/XX/XXXX, despite continuous employment and verification.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am writing to bring to your attention a serious issue I have encountered with my bank, Wells Fargo. I was recently scammed by a fraudulent organization, XXXX, and I have suffered a financial loss as a result. The fraudsters convinced me to wire money through Wells Fargo for fraudulent charges. 

I was shocked to find that my bank did not take any steps to warn me about these individuals, or even halt the transactions when it became clear that the destination of funds was unsecured. I believe that Wells Fargo has a responsibility to protect its customers from fraudulent activities and it is unacceptable that they failed to do so in this case. 

Attached to this letter, you will find evidence of the transactions I made with XXXX. I have also reported the fraud to various agencies, including IC3, SEC, FCC, and the State Attorney Generals from Colorado and California. 

I request that you investigate this matter and take the appropriate steps to ensure that Wells Fargo is held accountable for its failure to prevent this fraud. I would also appreciate any assistance you can provide in resolving this situation and recovering my funds.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I got a car loan and what everything that is going on i was struggling to make payments on my vehicle but i was still making payments and they wrongfully reprocessed my vehicle on XX/XX/XXXX which i made a XX/XX/XXXX of XXXX which my monthly paid is XXXX
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESBANCO BANK, INC. (OH)

So, I used to have {$14000.00} in my account and when I had gone to check how much was in there... There was only {$4000.00}. Now I'm aware of who is taking my money because they are the only other person who has access to my account but- they are only the payee on the account. So when I took the remaining cash out to make sure that it stayed safe... Right after I have been getting harassed by Wesbanco to send my money back into the account and if I don't they'll have to call the police. Which I had put {$2500.00} back in on maybe XX/XX/23 and right after I had gotten violently ill so I had just handed the cash to my mother ( the one stealing the cash ) and went back home. I had told this to Wesbanco yet I am still being threatened with police and being harassed if I do not " pay up ''
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Was sued by company in small claims court I XXXX XXXX never had or possessed a capital one card back in 2012 they sued me and garnished my wages I have never had a credit card with capital one in my life.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (KY)

Navy federal credit union will not give me my money back for unauthorized charges on my account from my identity being stolen and my card numbers. This person overdrawn my account twice one for XXXX and one for XXXX they credited the XXXX but not the XXXX which then made the credit unavailable to me. Still fighting to get my XXXX $ back. When i went through the whole process needed to get my money back. There investigator needs to really take unauthorized charges into serious consideration as this happens to many people and its not okay.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : XXXX BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : XXXX XXXX Account number # XXXX XXXXXXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX  Account number # XXXXXXXX XXXX  Account number # XXXXXXXX XXXX  XXXX Account number # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items. Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX if you require any further information. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FlexPoint, Inc. (WA)

I started the process of doing a cash out refinance with Flexpoint around the XXXX time frame. I was originally quoted on XX/XX/XXXX Loan Amount of {$620000.00} Interest Rate 4 % and Monthly Principal & Interest {$2900.00} from XXXX. We went through a full month of proceccessing the loan before I was notified by XXXX 's boss that they submitted the wrong loan that didn't meet the guidelines for a Texas based home event though they were well aware of the location and type of the loan that I would be getting. XXXX than informed me that my new Loan Amount would be for {$520000.00} an interest Rate 6.250 % Monthly Principal & Interest {$3200.00}. I had no choice but to move forward as I was already in the process of closing on an investment property. After showing concern about the massive amount of money I had lost through this process, XXXX informed me that " the cost of the points is simply reduced. When you spoke with @ XXXX XXXX, he resubmitted your loan and was able to secure the best. This is the only loan program available to meet your goal that Texas will allow. Well leverage this as an opportunity to get the cashout for your next investment and at the end of the year, well refinance you down to a lower rate/payment. '' If I had more time, I would have shopped this loan around or at least had the option to pull out. When this process started it was XXXX and didn't end up closing on the new property with my business partner until XXXX.
Consumer complaint received 2018-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (WA)

am almost positive I am being steered. I started my loan modification process over a year ago and they keep pushing it back and denying me loan modifications. XXXX has told me they would be changing my fixed rate 4.25 % to 5.3 % and lowering my monthly payment by {$70.00}. I have applied for loan modifications so many times and each time they have a new reason why they are denying me. Something is not right. I am down to my last few option, but I know something is not right. I am complaining everywhere because this company is trying to take my home because of all of the equity I have in my home. They have been making it hard for me to afford my modification and they are always considering things into my monthly payment that I am not paying for. I have had it. I need to get people involved who can truly help me in this matter. XXXX XXXX XXXX knows of what XXXX  has done to me. During all of my loan modifications over the last year or so, XXXX has not be properly reporting to help me save my home. They simply want to take my home. 
Why are they telling me information regarding what the interest is GOING to be? So many things wrong here. They need to be stopped. 

Last year I was doubling up on mortgage payments to get caught up and when I lost my job and was only two months behind they never told me anything about a loan modification process. They just kept allowing me to get further behind. This has been the worst time of my life. How does it help the home buyer to raise the rate and only reduce payments by {$70.00} dollars. They are steering me. They want me to foreclose so that they can have my equity.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (NV)

Im applying for a home loan and my lender ask me to call Equifax and ask them to remove XXXXXXXX XXXX XXXX  from dispute only I called Equifax and the man I spoke to said ok XXXX remove it from dispute.I said ok I never mentioned no other companys ever just XXXX XXXX XXXX. I get a email today XXXX XXXX 2023 stating my credit score went down XXXX XXXX because remarks were removed from XXXX XXXX XXXX 6 times I never told them or mentioned any other accounts I reached out to these people now they act as if they cant do nothing about it o ask them to put the remarks back nothing so now I reaching out to you for them to fix these problems of my credit decreasing