davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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: JPMORGAN CHASE & CO. (CO)

On XXXX, I filed a dispute with Chase Visa for a charge to my account made by XXXX XXXX ( XXXX ) on XXXX. The charge was for two 1-way airline tickets from XXXX, XXXX to XXXX XXXX, XXXX, scheduled for XXXX. On XXXX, I received notice from XXXX XXXX that this flight had been canceled and that a refund " voucher '' was offered. As this flight was canceled by XXXX XXXX, not me, a full refund to my charge card is allowed by XXXX law and US law ( Fair Credit Billing Act 1974 ). 
On XXXX, Chase Visa requested additional information concerning the dispute. On XXXX, I provided copies of the XXXX XXXX email stating they canceled the flight ; copies of my attempts to contact XXXX XXXX for a refund ; a chronology of all communications with Air XXXX ; and a clearly stated summary noting that I did not cancel this flight. XXXX XXXX replied to the dispute that I canceled the flight ( no proof given, just the statement ) and this was a " non-refundable '' ticket so not eligible for a refund. Chase agreed and said the charges were valid, even though they had written proof I did not cancel this flight. 
I re-disputed these findings on XXXX providing yet more information and emails from XXXX XXXX showing I did not cancel the flight. Again, on XXXX, Chase Visa replied that, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error occurred on your account. '' I contacted Chase Visa Disputes department and was told that there were no " errors '' in my billings. The agent also said this was evaluated as a " billing error '' dispute, not a " merchant did not perform contracted services '' dispute. She continued to say that there was nothing more that could be done since I had re-disputed these charges, but if I wanted, i could resubmit all my data again and possibly it would be reviewed. 

I don't understand how this is a valid charge against my account and that Chase Visa has sided with a merchant that clearly has committed fraud, at their own acknowledgment. What can a consumer do in these cases where Chase Visa chooses to blatantly ignore the facts, written proof, and charged the account? Where can I get help? 
Thank you, XXXX XXXX
Consumer complaint received 2020-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC (NY)

I remitted an incorrect monthly mortgage payment for XX/XX/2020. It's an typo of XXXX when it should be XXXX. The payment was sent in time but the servicer decided not to process the payment. I realized the error when receiving the monthly statement and the new amount including the shortage. Around the same time, I received delinquent notice from the servicer. I checked the online account, everything is in good order as both payments were applied. 
Subsequently I noticed my credit score has dropped significantly and realized there's a delinquent put through by Loancare. I contacted the credit department via email per instructions from customer service. It replied backed within 1 week indicating the case is closed without any explanation. I checked my credit score and realized it's now changed from delinquent to late payment. Again, I contacted the credit department and same thing that the case is closed. There's no way I can get in touch with credit department or have any actual explanation why it should be treated as late payment when payment was made in time and it's the processing unit decided to hold off not to apply payment until the following month. The error/shortgage can always be applied to escrow as the incorrect amount sufficiently cover monthly P & I plus part of the escrow. And XXXX payment was the month when they tried to adjust the monthly amount with the revised escrow and there's multiple statements subsequently. 
Appreciate your kind attention to the matter. It's extremely frustrating for not be able to speak with customer service who can help or receiving an explanation of why it was first treated as delinquent and then late payment. I have other mortgage where there's a more proactive information flow with email notices, etc. So error can be rectified in a more timely manner. 
Loancare has subpar customer services but jumped quickly to blemish customer credit. The dispute channel and process is ineffective with very little true customer support.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

We purchased a property and escrow closed XX/XX/2021 with a First Payment Due Date of XX/XX/2021. We made our first payment electronically to Guaranteed Rate ( NMLS # XXXX ) XXXX, XXXX ( NMLS # XXXX ) on XX/XX/2021. We have a full bank statement to show the payment was withdrawn by Guaranteed Rate and an electronic confirmation of the payment from Guaranteed Rate. As of today XX/XX/2021 Guaranteed Rate claims they can not find our payment and are refusing to accept further mortgage payments. We are being FORCED INTO DEFAULT by Guaranteed Rate REFUSING to accept our next payment. As of this XXXX PST on XX/XX/2021, Guaranteed Rate claims they still have not found our XXXX payment, refuse to accept further payments and have sent us to collections. Unbelievable!!! I have spent the month of XXXX and the first week of XXXX calling to follow up only to be transferred around.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (MD)

On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

Card was legally ordered to be closed and out of my name the debt was ordered to XXXX j XXXX. XXXX  XXXX XXXX order even after the federal government paying for this. It is now fraud using my name and credit
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (VA)

On XXXX XXXX, I was notified by mortgage company quicken loans a.k.a rocket mortgage rep XXXX XXXX that a {$500.00} deposit was required for the cost of an appraisal, which I paid. I, also recieved a message on my dashboard account for rocket mortgage from rep XXXX XXXX the same day referring to the scheduled appraisal date. On XXXX XXXX, I responded to XXXX XXXX asking to postpone the appraisal until after having a home inspection? XXXX XXXX replied, in so many words No. I had to stick to the date which was before the home inspection. The home did not pass inspection by far and seller was not willing to do repairs so I backed out of the contract, only to find out when I spoke with XXXX XXXX on XXXX XXXX, inquiring about a refund of my {$500.00} deposit that I will not receiving any money back. XXXX XXXX, then suggested I speak with a claims specialist whose name was XXXX. I explained the situation to him only to hear I wouldn't get any money back and coincidentally the cost of the appraisal and credit report was exactly {$500.00}. I feel my request was denied and because of it I'm out {$500.00}. This big company has taken advantage of me, I've expressed many times this is my 1st time going through this process. I did my part in asking for a postponement and because of that I shouldn't be responsible for the fees taken from my account.
Consumer complaint received 2020-06-23
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)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

To be clear, the options previously selected are not completely correct for my situation. I did call SageStream LLC today and XXXX was awesome! I was unaware the difference with Consumer and Credit Reports. After speaking with him, I was able to submit my request for my report online and submit my request for a security freeze there as well. I was not able to submit my permanent opt out online, as I do not have the means of doing so. 
To be fair, I did submit a dispute via CFPB to SageStream ( prior to calling ) requesting my report. 
Today I am only requesting the opt out that I upload to be placed on my file. 

Thanks!
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

The bank charged me 3 overdraft charges for 3 different transaction do to a pending charge of 997. This charge came in at XXXX XXXX  on XX/XX/2021 after banking cut-off time. Although my ending posted balance was {$110.00} on XX/XX/2021 and after being charged 105 in fees my current posted balance is {$10.00}. pending transactions are not transaction that have posted and cleared my account, per wells fargo own language pending transactions come off of available balance not actual balance of the account, seeing that this is the case when that charge of 997 came in, my available balance was XXXX and should not have no bearing on transactions that the funds have already been set aside for previous merchants. Technically speaking the funds are still available in my account until merchant request final payment for pending transactions. Wells fargo continues to steal from their customers while doing illegal banking charging incorrect fees because of their nightly processing. I want my {$100.00} refunded because at the time of posting I had enough funds to cover all pending transaction that posted for that particular day of XX/XX/2021, seeing that my ending posted balance was {$110.00}.
Consumer complaint received 2020-06-23
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However XXXX and Equifax I haven't been able to contact.Want it off my credit report.
Consumer complaint received 2020-06-23
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: Capio Partners, LLC (OH)

XXXX XXXX XXXX has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency CAPIO PARTNERS, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to Capio partners, it is my understanding this debt was purchased by them from unknown creditor.
Consumer complaint received 2020-06-23
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: ALLY FINANCIAL INC. (NC)

I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I asked my loan servicer, Mr. Cooper, to remove the private mortgage insurance ( PMI ) from my loan since my loan-to-value ( LTV ) is currently 79 %. My request was denied because my loan is currently in forbearance due to temporary financial challenges I am experiencing due to COVID-19. My home is valued at {$350000.00} with an outstanding balance of {$270000.00}. This makes the LTV 79 %. My homes LTV and removal of PMI should not be denied because the 79 % LTV happened to occur during a pandemic. As a mortgage holder, I have already paid PMI for the last 13 years on this mortgage and would like it finally removed as the LTV is at the required 79 % PMI protects the lender in the event of default. I have been paying PMI on my mortgage loan since I received the loan in XXXX of XXXX for the past 13 years. I have not defaulted on this loan during the entire nearly decade and a half I have had the loan. Mr. Cooper advised me that the PMI is scheduled to be removed from my loan in XXXX. In XXXX I will have paid PMI for 19 years on the same mortgage. 19 years of PMI is financially exploitative, excessive, and unreasonable by any standard.
Consumer complaint received 2020-03-22
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: ID Analytics, Inc. (NJ)

this is in reference to complaint # XXXX. Where as I told by CFPB notifield me that SageStream LLC refusal to answer complaint. this is no surprise because SageStream refuse to answer request for a copy of my Consumer report and to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. When this complaint is forwarded to Sagestream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for there transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (VA)

On XX/XX/2020, I returned my leased XXXX XXXX early under a promotional program advertised by the company. 

I was told I could turn my vehicle in 3 months early with no fees and I would not have to pay the remaining three months of the lease if I purchased a new vehicle with the company. 

I turned over the car, the keys, and signed the paperwork at the official Hyundai dealership  on XX/XX/XXXX. I purchased a new XXXX XXXX that same day. ( I made a final payment for the month of XXXX before turning the lease in, since the term ended in XXXX. ) Even though the vehicle was no longer in my possession, on XX/XX/XXXX, {$290.00} was taken out of my bank account for the XXXX. When I contacted the Hyundai finance department, they told me I needed to call the dealership because the dealership never paid them for the XXXX. 

I called the dealership. They emailed me a receipt indicating the vehicle had been turned in on XX/XX/XXXX and told me to call the finance department back. 

I called the finance department back. They had no knowledge of the early turn in program and told me I was still liable for over {$1000.00} in fees since I turned my car in early. 

I called the dealership back. They told me they left a message for the finance department and it would be fixed " eventually. '' They did not specify when, they did not indicate any sort of action being taken, nor did they let me know what to do next.

I am now liable for two Hyundai vehicles and two payments ( the leased XXXX and the purchased XXXX XXXX ). I don't know how to resolve this and I'm worried about the financial and credit impact.
Consumer complaint received 2021-02-20
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. (PA)

To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC (NY)

I contacted this company so many, many, many times and all they do just providing me with statements. Not only they didn't provide me with a proper debt validation, but they also as I found out filed a lawsuit against me, but failed to serve me. They ( according to their record ) served my sister. I dont have a sister and I didn't live at the address they allegedly served me. Its a Court Fraud .It is a violation of FDCPA and FCRA. 
they never provided me with " debt purchase contract '' or " debt assignment contract " .Its a robbery.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

According to Citibank I signed up for their debt protection service on XX/XX/XXXX. I have requested verification of how I signed up for this service ( i.e. credit card application, verbal in store, online agreement ). I have attempted to reach Best Buy credit card and Citibank Card Services four ( 4 ) times in the last 2 months requesting information. The company continues to put in " requests '' for the information but I have not been provided any information. 

From my preliminary calculations the company charged {$320.00} since XXXX of XXXX. I have read that some consumers received refunds in XX/XX/XXXX when Citibank was found guilty in court but I was not notified of said lawsuit.
Consumer complaint received 2020-05-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I applied for forbearance on my VA mortgage that I've had for 15 years 2 of the those last years are currently with Loancare / XXXX and I have never been late on paying. 

Side note : 2 years ago my loan was sold to XXXX Loancare and my payments immediately went up $ XXXX each month. At that time, I had called to complain about this upcharge and they came up with some excuse that I didn't understand. I found it odd my payments went up at the same time they acquired my loan where the payments had been religiously the same for 13 years before that or slowly decreasing. It came down after a year, but now is still {$86.00} dollars higher than it used to be. This increase seems unethical. 

Fast Fwd to Pandemic times ... I apply for some relief and since Loancare is disgusting they don't offer deferment they only offer forbearance. I apply for 6 months and get approved. I'm XXXX   XXXX and haven't made a dime since the first week of XX/XX/XXXX, nor have I received any stimulus or unemployment yet. 

I do more digging and research to find Loancare is really damaging people 's credit during forbearance period. Pushing people 's credit scores 50-75pts lower and to make matters worse negatively effecting co-borrowers credit as well. How is this possible given text of Cares act. Also, it makes refinancing next to impossible at any bank or loan servicer when they report forbearance on people 's credit report. So today I canceled the forbearance not even 24 hrs after I got approved for it. They said they couldn't guarantee it wouldn't be posted as in default and I need to call back tomorrow. 

This company is practicing unethical standards and really needs to be fined or shut down.