davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

XXXX ( loan servicing ) under United Wholesale Mortgage applied both escrow and monthly payments in error resulting in delinquent account reporting to the credit bureaus.

Example 1 : {$2600.00} escrow payment was made on XX/XX/2020. 
- XXXX/UWM reversed the escrow payment the same day as payment was made and applied it as the XX/XX/XXXX payment weeks prior to due date. 
- No notification was provided to me that this occurred. 

Example 2 : {$2300.00} XX/XX/XXXX payment made on XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

Example 3 : {$2300.00} XX/XX/XXXX payment made XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

I was notified that UWM was transferring ( selling ) my loan to a new company. I found all of these stated errors during my review of the account in mid XXXX when ensuring my escrow and other balances where in order. 

I immediately notified UWM of the errors in an attempt to correct my account prior to the XX/XX/XXXX transfer date. UWM agreed they had made errors and reversed the escrow payment back to escrow and reversed the XXXX payment from principal to a monthly payment and removed the late fees. 

The errors continued though ... the XXXX payment that had been applied to principle was reversed but applied to principle again a second time. UWM 's lack of response time resulted in transferring of the loan to my new mortgage company with escrow and payment errors. Although I am making progress with the new mortgage company to correct UWM and XXXX errors, I have been reported to the credit bureaus by UWM/XXXX as being delinquent XXXX days for my XXXX payment. This has dropped my XXXX credit score to XXXX. This is after UWM assured me that they were in error and nothing would be reported. 

I have disputed the report with all three credit bureaus, called UWM, emailed UWM, used back channels through mortgage brokers over the past two weeks but have gotten zero results and still have a XXXX credit score and need to make a major purchase.

UWM and XXXX have made major errors that have impacted my credit and resulted in me spending over 50 hours attempting to minimize the damage. As a customer, I would expect a mortgage or servicing company to at least be able to perform the basic function of applying my payments correctly. If they can not do that and don't have the understanding to make corrections they should find work that is not as important as mortgages. 

What should be considered is legislation that would require mortgage companies to compensate customers for the time spent in correcting errors made on the mortgage company 's behalf. I would bet they would improve their processes and certainly their response time knowing these errors would impact the bottom line. 

Please help!
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I've gotten a letter today, XX/XX/2018 from a company called XXXX XXXX saying I owed an amount of {$87.00}, stating the account holder was " XXXX ''. I've been using my XXXX account for years now and I've never been negative nor have I owed any invoices. 

I even looked through my XXXX account for that certain amount and there is no transaction of the sort On the letter, it didn't even tell me what was the bill specifically for aside from the amount..
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

i applied a chase saphirre preferred card on XX/XX/XXXX, and according to the application as well as the offer on chase website ; the card carries no annual fees on the first year and {$95.00} thereafter. However on XX/XX/XXXX ; I was assessed a {$95.00} annual fees. I called Chase credit card and they are saying I was not eligible for the first year free annual free. I am confused why the web site and the offer as well as the branch saying it's free of annual fee and the credit card dept saying it's not free on the first year. I think they are engaged in deceptive practice.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IA)

I had a mortgage with XXXX ( c/o PHH Mortgage Services ) which was paid off in XX/XX/XXXX. I did not receive my 2020 year end 1098 tax form showing the amount of interest paid and the amount of property tax that was paid out of my escrow account by the mortgage company. I called them the beginning XXXX because I did not receive the 1098 form and it was not available when logging into my account on their website. The associate I spoke with was stated they would look into and get back to me. I waited a couple of days and got no reply. I called back on XX/XX/XXXX and the associate I spoke with said the form was on the account so she emailed it to me. They sent me the tax statement for the wrong year and not the XXXX statement I requested. I called back and was escalated to XXXX on their escalations team who said she would check on this. As of today ( XX/XX/XXXX ) I still do not have the 1098 statement for XXXX. I just spoke with XXXX again a few minutes ago and she said there is no update and she has no other information to provide me. XXXX XXXX direct line is XXXX XXXX. Three weeks later and still no XXXX XXXX statement!!!!!
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I submitted a complaint with CFPB XXXX. where I complained that they arbitrarily closed my credit card and discriminate me. they never sent me the written response they said they going to send me on the previous complaint. They in violation on my consumers rights and they keep treating me like a second class citizen not responding to my emails.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2020-07-13
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: DISCOVER BANK (CT)

On XX/XX/XXXX, I bought a new XXXX on the XXXX website for my best friend 's birthday gift. However, I think the package was lost. More importantly, XXXX never asked me for a signature, so I didn't sign for this package, which may be just be put there and someone took it directly. I contact XXXX for a week and no one wants to responsible for this. Then, I asked my bank, Discover, to hold the money. I hope to give me some time to investigate. Last month, my dispute was failed because XXXX had proof of delivery. The fact is I didn't sign! On the day of the delivery, I never got a call or email to ask me for a signature. I tried to contact XXXX and Discover these days, but they are beginning to pass the buck to each other. I really need an answer to this. I am helpless. I don't know how to prove that I didn't sign for the package. And I indeed searched for everywhere of the building. It's been almost 2 months ... Please help me.
Consumer complaint received 2021-02-26
Product: Credit card or 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported fraud to Bank of America as soon as I noticed the unauthorized ATM transactions. They froze my account and did not allow me to access remaining funds. I reported the unauthorized charges on XX/XX/2021. I have been told by BofA reps and supervisors to keep calling back every other day until the issue is resolved. In total I have lost roughly {$4200.00} that was my only source of income. They took every dollar and left me with nothing. Theyre debit cards are not secure and are vulnerable to fraud. I have not received any sort of help from BofA to resolve the issue. They will not allow me to file a claim or access my remaining funds. They have no time line for when the issue should be resolved or any sort of plan for dealing with enormity of the fraud they have on their behalf. I am disgusted and appalled with Bank of America as an Institution.
Consumer complaint received 2024-03-20
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: CITIBANK, N.A. (MN)

Don't know where to begin. I have been charged random amounts from XXXX, since XX/XX/XXXX. I filed a dispute in XX/XX/XXXX and stopped using the card. Amounts ranged from {$9.00}, {$18.00}, {$7.00}, {$160.00}, I was sent a new card and did not activate it. I also received correspondence from the Citi Bank of suspicious possible fraudulent activity. I sent {$300.00} in XX/XX/XXXX to prevent finance charges. Nonetheless, I recently been receiving calls that the account is past due and haven't received a statement in months and no correspondence on the status of the disputed amounts. I have spent approximately two hours trying to resolve. Phone calls resulted in : " you need to speak with Security Operations '', you need to speak with " Fraud Department '', you need to speak with " Customer Service '', extremely muffled connection, difficultly understanding the person ( possible overseas connection ). The experience has been unbelievable. I ended up paying finance charges just to close the account/s.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (NV)

I have received numbers calls on my cell phone asking to speak with XXXX XXXX. I advised the representative they had the wrong number and that I have had my cell number for 10 years. 

After that I mysteriously, received a collection notice at my home address in this persons name. Originally I was told the service address was totally different from mine- it had to be because I have never had an account with XXXX. 

I called them again to advise they had the wrong person. After that the calls continued and the collection notices now appear in my name. They are threatening to damage my credit if I don't pay the balance due. I am scared and afraid .... I have stellar credit and I don't want to be scammed. I have contacted the Attorney General and the FTC. 


Reference Number XXXX Creditor Name XXXX XXXX Creditor Account Number XXXX
Consumer complaint received 2018-06-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (VA)

I opened a " line of credit '' with XXXX XXXX XXXX in XX/XX/XXXX. My grandmother XXXX XXXX suddenly from XXXX and I took out the " loan '' to travel to Ohio for the funeral. The " line of credit '' consisted of a {$100.00} origination fee and a 273 % interest rate. I never intended for this to be a long term thing. I only borrowed about {$700.00} back in XXXX and I still owe over {$1000.00}. The first year cycle consisted of paying off the " line in credit '' entirely and borrowing the money again the same day. Each month I would have to pay a {$100.00} origination fee to open a new line of credit that consisted of submitting a new application, employment verification and a copy of my bank statements. I didn't understand why a " line of credit '' had to be forced closed and and new " line of credit '' opened each month. I thought a line of credit was open ended. The representative never explained that you could make payments at anytime and withdraw from the line of credit until after I was trapped in a year later. I went in to make a payment in XX/XX/XXXX with my refund to get this line of credit paid off once and for all. The female employee working in the XXXX store location told me that paying off the line of credit would hurt my credit score because it would report negatively to the credit bureau after the balance was paid off. I talked to this employee for at least 30 mins about paying off the balance. The employee told me that it would be best to make a payment but keep the line of credit open to improve my credit rating. This young lady convinced me to make a {$400.00} - {$500.00} payment on the line of credit and to keep it open that day. This was a decision I seriously regret. I went in to make a payment next month only to find out the payment I made was applied to the loan cycle interest. How is it that you make a payment only to them send you a statement a few days later reflecting the available credit was applied to interest charges. I went in to speak with the manager and explained the situation and she apologized for the deceptive credit information the young lady gave me the previous month and told me she was no longer employed with the company. They also informed me at the time that they did away with the {$100.00} origination fee. I asked what would happen each month when I have to make the payments and they didn't give me any additional information. Over the past few months I have noticed the monthly payments have gone up to roughly {$300.00} per month for a {$700.00} loan I've been paying on since XX/XX/XXXX. I asked the store manager about settlement options or long term payment arrangements and they basically told me they don't offer settlements or any other payment arrangements. I feel that XXXX XXXX XXXX  used deceptive tactics to trap me into this loan so that they could continue to pocket my hard earned money. I have been charged over {$1800.00} in interest alone since XX/XX/XXXX.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

As of XX/XX/XXXX my Conventional Loan that is serviced by XXXX XXXX is below 79 % Loan to Value and I have 0 missed payments since closing on this loan in XX/XX/XXXX. All of my payments and statements have included a Private Mortgage Insurance ( PMI ) payment of {$33.00}. I requested in writing to remove my PMI on XX/XX/XXXX due to the fact that my Loan to Value is now below 80 % and I have never made a late payment or missed a payment on my loan. I never received a response and my XX/XX/XXXX payment was still processed on XX/XX/XXXX with the {$33.00} PMI included. I sent a second request to remove my PMI on XX/XX/XXXX and again have not received a response. I contacted XXXX XXXX on XX/XX/XXXX and spoke to an agent that informed me a response would be provided to me by XX/XX/XXXX but I have received a response, and my XX/XX/XXXX statement still contains the {$33.00} of PMI.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

- I opened a checking account earlier this month with USAA and my account immediately put of freeze and I can not activate or even get online and usaa has said that it was due to requiring a picture of my drivers license and then I would have complete access I tried for over a week sending the pictures and usaa has a different excuse every time from the system takes 2 days to their fax machine didnt peint it in color all of which is not my fault and then I recieved a letter saying that if I dont send in my ID by XX/XX/XXXX then they will close my account and it will show negatively on my report and they will also block my online access as a result ( they already did ).
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I opened a vehicle loan from Us Auto sales on XX/XX/XXXX. During the paperwork I signed for Gap insurance at the time my down payment was less than {$1000.00} the gap fee was {$750.00}. I was told I had the option to pay the gap insurance fee in full or have it added to my payments, I agreed to pay it in full so I paid a down payment of {$1700.00}. I was involved in a car accident on XX/XX/XXXX where i was deemed as no fault and progressive insurance would pay a quoted price of the loan off, after receiving that pay off from the insurance it was a remaining balance of $ XXXX. Us auto sales is now out of service and turned things over to Westlake portfolio after speaking with West lake Portfolio it was no information stating that I have GAP insurance. I have paper work of what was signed and that we agreed on applying the Gap insurance.
Consumer complaint received 2021-09-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (IL)

My husband and I applied for a jumbo mortgage from Ally Bank. We have XXXX credit, putting 20 % down, debt to income ratio ( including the mortgage we applied ) is below 20 %. Our loan was conditionally approved within a few days. I was told that we are just waiting for third parties - appraisals, title, otherwise we are good to go. However, Ally later found out that I applied for the federal COVID related forbearance plan and denied our application. I applied for the forbearance program in XXXX. While I was in the forbearance program, I didn't make my XXXX mortgage payment but I started making payment in XXXX ( made XXXX payments in XXXX ) and XXXX and the property was sold in XXXX, 2021. My reason for going to forbearance was because I was worried about losing childcare services and was considering taking an unpaid leave from work to care for my son. Fortunately, I secured child care and stayed at work full time. The loan officer explained to me that Ally has to look into each mortgage forbearance in the past 24 months but they have an exception for COVID related forbearance. They denied my application the following day. I would like to find out who went into forbearance got approved. In my case, I missed one month mortgage payment ( but caught up the following month ) and my property was sold 3 months before I applied for the mortgage.
Consumer complaint received 2020-07-13
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. (MI)

I had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my second dispute requesting the credit reporting agency to REMOVE the attached items from my credit reporting. The creditors listed are UNVERFIED, INACCURATE, AND MISLEADING. The credit reporting agency has failed to provide the proper documentation validating this credit and/or proof of signatures.