davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Escrow management issue : We have refinanced loan with Quicken ( Loan no. XXXX ) and loan was closed on XX/XX/XXXX. During Closing we are asked to pay {$2100.00} toward prepaid of Homeowners insurance ( HOI ) and told that since HOI renewal is due in 60days hence you have to pay and it will be directly sent to HOI company. 
On XX/XX/XXXX Payoff was made to prior lender but HOI company haven't received {$2100.00}. 
a ) I followed up with Quicken via online chat ( agent : XXXX ) on XX/XX/XXXX and via email on XX/XX/XXXX ( responded by XXXX XXXX on XX/XX/XXXX ). We were told that this was paid at closing so Quicken can not help and please contact broker. ( First thing its shocking that Lender is running away for their responsibility and not helping when its their closing document. This was poor customer experience in 1st month and don't know how they claim as best in customer service. ). 
b ) We sent couple of emails to broker ( who also happen to be Quicken loan officer ) but never responded. 
c ) Now on XX/XX/XXXX we followed up with Title company ( XXXXXXXX XXXX XXXX ) and they responded that seems like check is lost in transit and they will stop payment this check and send other with overnight delivery. 
d ) Hoping Title company will resolve as they responded on XX/XX/XXXX XXXX
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

Im on a XXXX XXXX forbarence and i wanted to extend it and instead the paper work was done wrong and i got all past payments defered. But I did not want to do that .... I am still in forbance ... .Because I asked for another 3 month. Anyway I was discussing with Mr cooper at the end of XX/XX/XXXX, I would like all payments to be put on deferral to the end of the loan. I was informed that I could not because I had already did it in at the end of XX/XX/XXXX, but I must of filled the wrong box because I didnt ask for the defferal of payments, I just wanted a extension of my forbarence .... I would like to start making my regular payment, starting XX/XX/XXXX and have the past put at the end of loan,,, Mr Cooper says I cant because I already did it once ... ..well can you help me get this resolved
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NC)

I requested a credit file disclosure from Innovis XX/XX/XXXX via internet to to verify if such credit file existed. Upon learning that there was an existing, unauthorized credit file, I disputed the information within the file and requested removal. Innovis continued furnish my private information without my consent. Pursuant to FCRA USC 15 1681, consumer 's have a right to privacy and I never provided written instructions for Innovis to furnish to my consumer file pursuant to USC 15 1681b.
Consumer complaint received 2018-02-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (OH)

When I was XXXX XXXX in XXXX, I was injured and had to be medi- vac to XXXX . That day, my ex-wife and her son took out student loans without my knowledge due to the fact, I am assuming that they were not sure of my survival. This was all done via electronic signatures and having my SS # and vital info, they were successful in doing this. Once it is set up, all they had to do was keep resubmitting the same info for new loans. 
I was made aware of these loans when trying to purchase a home 2 years ago. I made out a police report, called Navient, and called all credit bureau reporting agencies. These were removed from my Credit Report immediately and Navient advised they would stop all collections and make a report of who did this and go after them. In the time that conversation took place and today, they have sold these loans to 4 different debt recovery companies. Every time, I talk to them, they advise they will send back to Navient and refuse to collect. A few months later, they sell it again. This continues to be an issue and Navient refuses to stop selling these loans or provided documentation of my signature. Not sure what else to do, we received new paperwork from a new recovery company today from XXXX XXXX XXXX. 
There are a total of 9 loans in the amount totaling- XXXX
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

It would appear that Wells Fargo is again engaged in deceptive and misleading practices. I only recently became aware that the checking account opened in XXXX was an Opportunity Checking account after having low daily transaction limits and the account not eligible for API connection to other financial services. I applied for Preferred Checking and expected that this account was such since I do not recall any clear and unambiguous language to the contrary. At XXXX today, XX/XX/2019 I called XXXX the main phone number for Wells Fargo and the representative clearly stated " Go into the branch to upgrade your account '' after I requested it. Please pull call record. At Approximately XXXX I leave work to go into Branch located at XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX and the Advisor kindly advised me that in her 15 years she has never seen an Opportunity account upgraded in the branch.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MN)

I opened the XXXX store card on XX/XX/XXXX with a promotional offer. I received my physical card in the mail on XX/XX/XXXX and I received my statement in the mail on the XXXX of XXXX. I went online today XX/XX/XXXX to create my account and pay my bill. I was assessed a {$27.00} late fee ( 33 % of my total balance of {$81.00} ) and was informed that the statement " closed '' XX/XX/XXXX and that my payment was due 23 days later on XX/XX/XXXX just 24 days later! How can this be? I opened the card on XX/XX/XXXX and just 25 days TOTAL later from the day I opened the card, the payment was due? Then they can charge a fee that's 33 % of the balance? 

I called and they reversed the late fee and said that it " depends on when the statement closes. '' How is a customer opening a card supposed to know when the statement closes? How can a statement close the day after the card was opened? How can a late fee be 1/3 of the total balance? 

I feel their practices are deceptive. I feel that they are putting people in a bad situation. I feel that if I wasn't as on top of things as I am, I would have been out {$27.00} and had a late mark on my credit. 

I would like this practice to be investigated both internally and externally as I can't imagine I'm the only one in this situation.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The attached letter has my issue and my XXXX Report number that was provided to XXXX XXXX that has unfairly increased my rates b/c of how XXXX reports revolving accounts. No one should be paying more for insurance b/c of XXXX  's reporting practices. Had they received their credit information from Equifax, who correctly reports that I have two installment accounts, my rates would not have been higher. XXXX also reports that I have 8 open revolving accounts, when in fact I only have two open credit cards. They include my credit limits of the closed accounts as available credit in their summary on my credit report and in the information they provided to XXXX which was then provided to XXXX XXXX. The " high credit '' reported is inaccurate. This has increased my insurance rates for the last 6 months. XXXX XXXX will not accept credit information from Equifax and therefore will not reduce my insurance or refund what they have overcharged me for the inaccurate credit reporting practice.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mortgage company doesn't want to issue me refund of overpayment of approx {$1100.00} for property taxes collected during tax year XXXX. I called bank four times & spoke with 4 representaives on XX/XX/XXXX & they all gave me the run around.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

The last three times I tried to get my free annual credit report from Equifax, my progress was halted with the message, " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report  online. '' I wrote an e-mail to them a little over a year ago, and the response e-mail said that I had written to the wrong department, but *without* telling me whom I should actually direct my e-mail to! 

I just tried again, tonight, to get my credit score, but the problem persists. A quick XXXX search of the error message suggests that the error I received is a very common problem, which Equifax apparently can not be bothered to fix. 

Note that I have had no problems receiving my credit report from XXXX and XXXX  ; only Equifax is broken.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX  XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am making payments on my student loan to Fedloan towards Public Service Loan Forgiveness. This is a program in which your debt can be forgiven if you make 120 on-time monthly payments while working for a non-profit. Annually I file a certification form certifying my payments as qualifying towards forgiveness. 

During my last certification in XX/XX/XXXX I was informed that the payments I made of {$200.00} in XXXX, XXXX and XXXX of XXXX were not counted towards PSLF. This is a mistake as I made the payments on time and have been employed at the same non-profit where I work now for over 3 years. I called Fedloan and brought this to their attention in XX/XX/XXXX after I reviewed their records and discovered their error. I have not heard back from them in the 6 months since then. I called them about this today and was told it has not yet been reviewed and they could not give me a timeline of when it will be reviewed. In XX/XX/XXXX I also requested a list of the dates of all payments currently being counted towards PSLF and have not yet been provided this list. 

I had a similar terrible situation previously with Fedloan where payments were not counted in error. This was eventually resolved, but it took over a year. I called and emailed Fedloan over 20 times during that year and I could never get them to review their error. They only finally resolved the matter after I asked my congressman to contact them. I am very confident Fedloan has no intention of reviewing the errors on my account ever unless they are forced to by the CFPB. 

Fedloan is absolutely the worst company I have ever had to deal with. Thanks for your help.
Consumer complaint received 2019-08-15
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. (CA)

EQUIFAX AND XXXX ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND XXXX HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXXTHE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXXKEEPS BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY XXXX AND EQUIFAX.
Consumer complaint received 2019-08-15
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. (OH)

I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CCM Finance LLC (TX)

My vehicle was repossessed due to failure to make payments for a separate insurance coverage that I declined from the the begging of the contract. I have been covered by XXXX 3+years I stated from the beginning I didnt need the CPI. So how is my vehicle being repossessed for failure to pay for a service that I declined? I tried for 3 days to speak with management. When I finally was able to speak to someone I was simply told my car was gone and there was nothing to be done and hung up on. I was never offered the opportunity to pay the loan off in full. XXXX XXXX refused to even look into the details or notes on my account. I told him these discrepancies were the fault of the XXXX employee that assisted me XX/XX/2021 He stated No comment and disconnected the call. If he had simply read the notes of the account it would be obvious that I am not behind in payments because I didnt ever need the CPI and the failure for them to enroll me in autopay is not my fault. They also shared supposedly secure information with someone that is not on my account. On XX/XX/XXXX. I made a payment towards my loan XX/XX/2021 they requested a copy of the declaration letter from XXXX for my policy which I promptly emailed when I got home as theyd contacted me while driving. I dont understand how is it that I am 3 payments behind? The one payment missed on XX/XX/2021 ( they never made any attempt to contact or collect the payment ) was due to them failing to enroll me in autopay on the eighth. This in entirely their fault and now theyre attempting to steal my down payment and ruin my credit history. I financed the vehicle XX/XX/2021 my car was repossessed XX/XX/2021 roughly a few weeks. How exactly is it even possible for me to be 3 payments behind? They are attempting to add fraudulent charges to my account in order to terminate the loan. They have even called and spoken with a XXXX representative who verified my coverage prior to finance. If I made a payment XX/XX/2021 and my account was in good standing.
Consumer complaint received 2021-02-25
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. (CO)

I have disputed a faulty account on my credit report and it has been well over 30 days since Ive got a response. Even after making them aware of XXXX separate data breaches my personal information was held liable in, I still dont get the respect I deserve
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

In early XX/XX/2021, Chase bank to an action to end their relationship with me and my accounts and refused to provide a reason. They canceled all my credit cards, they sent a note that they will be closing my Checking and Savings account on XX/XX/2021, and they put a halt to my brokerage account activity and followed up with a letter notifying me that this account, including my IRAs will be closed in early XXXX and to begin transferring the funds out of the Bank. I have tried to contact chase on many levels including local branch and XXXX XXXX numbers and can not get an answer at all to the cause. I am not opening an account at a different bank with no issues. I can't understand why the bank would all of the sudden close all of my accounts with no reason provide. 
Chase Bank did say that my auto loan and mortgage loan are fine and can stay. 
There has to be a reason for Chase to close all of my accounts.
Consumer complaint received 2017-12-23
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: SYNCHRONY FINANCIAL (CA)

( 1 ) I was making my payments ... ON TIME & just before I was to leave for the LAST family reunion I would 've ever had, & without any explanation, reasonable or otherwise, they Decreased my limit. Every time I made payments thereafter, they continued to decrease my limit & I 've been unable to use the card ever since.They continue to do so & while they 're at it, they 're attaching Over the Limit fees. How can I be expected to remain under the limit if they keep lowering it? I feel as though I 'm between a rock & a hard place because I sacrifice to make more than the required payment only for them to suck it up & leave me with nothing to show for it.

( 2 ) Some kind of way, Someone, REPORTED THE CARD LOST OR STOLEN, & it WAS N'T ME. Obviously & Again, my plans were altered due to NO fault of my own. They had NO explanation & to add injury to insult, they offered me a whole {$25.00} in recompense.

( 3 ) On a RECORDED line, I reported the loss of a rental car & they told me that the co would NOT be able to come right back & charge the card anymore. Well they did ... I had to talk to several agents & they ALL told me the same thing. They even issued a new card & STILL allowed the agency to charge that one ... Do n't recorded " promises '' mean anything? Every time I turn around, there the charge is AGAIN & interest on top of it.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (AL)

On XX/XX/18, my home was hit by a tornado. My neighborhood was designated a federal disaster area. My home was damaged and needs a new roof and other repairs. My insurance, XXXX XXXX, completed assessment and gave me a check for {$13000.00} to complete repairs. But the check was made out to me and my mortgage service company, Seterus , Inc . They have kept the funds and will only release 25 % to each contractor after the contractor signs and completes three forms, one which must be notarized. After all forms are received, they mail 25 %, which can take up to two weeks. Then, once the job is complete, Seterus sends an inspector to take pictures. Then, they wait the full 5 business days, review the inspection, then mail the rest of the funds for the job completed. So, needless to say, when I talk to contractors to get roof estimate and explain the above process, the contractors decide not to work with me as they have plenty of work to do for people  who already have their insurance money to complete the work. My roof has still not been repaired as of this date and it continues to leak more and more and cause more damage to my home. Seterus told me they could release 100 % of the funds as less than {$10000.00} was left. They said they could if I found a contractor to complete all repairs and write a letter explaining why the funds are needed up front. I was able to find someone to agree to this. We completed everything Seterus asked for, sent it in, and they still only sent 25 %. I have spoken with them many times asking for them to please send my money. They have money XXXX XXXX gave them for a tree I already paid to remove, which was {$750.00}. This was done day after storm and I don't know how to get in touch with that contractor. There is also money to repair a mailbox and some other small repairs that do not require licensed contractor. Seters did send two payments to the tree removal contractor and electricians. It took such a very long time to receive the money, I was getting calls and texts from the contractors daily. It was so stressful and the continued damage to my home and inability to get my needed repairs done with my insurance money has caused so much stress and trauma following a federal disaster, which was already the hardest thing I have lived through. No one at the company will try to help me or even try to understand when I talk about neighbors two doors down and one street behind whose homes were completely destroyed. I missed work and income due to the storm as well. All I want is for Seterus to release the funds XXXX XXXX provided to me as their longtime customer.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I mailed in a XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXRequest Form to all 3 credit bureaus but received no response. I set up an account online with XX/XX/XXXX and made 4 attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.