davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK (IL)

TCF Bank sold me a terrible loan in 2006 under the terms of 7.25 % for 40 years with zero money down. I was likely taken advantage of, but nonetheless I did sign to the terms. I 've never missed a payment since, and I 've called to refinance. They will not refinance my loan because my LTV ration is not 20 % or greater. Because of the loan structure, in 9 years I 've only paid {$6000.00} in principal. Other banks would be happy to work with me and refi, but my home does n't appraise for the XXXX ratio. My loan does n't qualify for HARP either. I 've asked TCF to work with me and adjust my loan but they wo n't, and wo n't return my calls. I even mailed them a letter. I feel very much stuck, as I ca n't refinance and/or sell unless I want to bring over {$30000.00} to closing.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  This company is reporting late payments on this account this company XXXX account XXXX XXXX XXXX to a CFPB complaint on XX/XX/2024 confirming that no late payments were reported to the bureau for XXXX credit builder card for this account.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (NC)

We had our mortgage thru XXXX XXXX XXXX and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to Seneca Mortgage Servicing and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from Seneca Mortgage Servicing stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called XXXX XXXX XXXX and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from XXXX XXXX and also Seneca. In XX/XX/XXXX we paid Seneca the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?
Consumer complaint received 2015-09-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Collection Service (WA)

I went to XXXX XXXX and was under the impression I was covered by the insurance program they had me under. They never tried to reach me by phone or send a bill via email which I later found out was because I signed up for no mail. Was n't sure why they did n't try other methods of contact. When the collection agency called, I had knowledge of this charge. I immediately paid XXXX XXXX XXXX XXXX/XXXX/15 XXXX and they said that they would take it off the list from the collection agency. Also that it was before the due date of the collection agency to affect my credit score. So they should have never sent it to the credit agencies or reported it. I have the receipt for further proof. They still have not taken it off of my credit report, though I have paid.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I started the process to try and have things removed from my credit report, I called and spoke to customer service at XXXX XXXX about the lates on this account. I was unaware of this many lates for this account. They said that I was only late 1 time. But on my credit report it shows 7.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

Here is my situation. I bought a property in XX/XX/XXXX that was appraised at {$420000.00}, and put down XXXX. I refinanced that property in XX/XX/XXXX and it was appraised at {$400000.00}, which I questioned because the comparables were stick built and my building is concrete and steel.. The refinance was approved. 
My current mortgage balance is approximately XXXX. 
At this time, similar properties in this building are listed and selling for XXXX to XXXX. 
I have been patiently waiting for the value to return to this property and figured that in XX/XX/XXXX that would be the bottom, but obviously it is at a new low. 
I feel like I was taken advantage of by this practice of over inflating the appraisal and poorly trained lender or bank staffDo I have a case for principal reduction. I have contacted the lender, Wells Fargo, and no response. 
How do I proceed from here. 

Thank you for your time.
Consumer complaint received 2015-09-24
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Eagle Home Mortgage, LLC (VA)

I purchased a home from XXXX in 2006, and Universal American Mortgage XXXX handled the mortgage. I recently became aware that the second mortgage principle balance was not being reduced much, and that the mortgage was structured as a " balloon ''. The second mortgage is a 15 year loan, so I thought that after 9 years worth of payments ( 60 % thru the loan period ) that my outstanding balance would be approximately 40 % of the original loan amount XXXX {$72000.00} XXXX. Unfortunately, my balance is $ XXXX XXXX 93 % of original loan amount ). We were able to refinance the primary mortgage under HARP after the loan was foreclosure-bound due to the annual rate escalations. 

My wife and I feel we have been taken advantage of ( robbed XXXX by Universal. I did n't realize that 14 years of payments would total $ XXXX ; only to still owe an additional $ XXXX XXXX $ XXXX total ) on a loan amount of {$72000.00}. Is this fraud?
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Financial offered a low rate financing program in connection with my purchase of XXXX furniture. I set up automatic payments on the account at XXXX % of the minimum payment. My payments were made in advance. One month two payments were processed so the next month I was charged a late fee. In addition they charged another fee on top of the late fee known as the minimum interest charge. I was surprised to see the layering of the fees. The total fees were more than my XXXX % extra payments so for the two past months I have received late fees and the extra charge. Given this cycle one would never be able to get back on track and enjoy the " special interest buying incentive. '' I fortunately am able to make the catch up payments however the common citizen may not be able to do so. 
I think this is a clear case of abuse by Synchrony. 
I would like to ask that the CFPC take a close look at this program.
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (NC)

In XXXX I was living at a location in XXXX VA where I had both XXXX DSL internet and telephone service. I moved from that location on XXXX XXXX, XXXX to a location where XXXX was unable to provide any internet service. When I tried to have the billing stopped, I was told I would have an early cancellation fee of several XXXX dollars but that my contract expired in XXXX XXXX. The CSR advised that I could pay the final month bill ( due in advance for internet ) at the beginning of XXXX XXXX and cancel the service then with no problem. I made that payment online on XXXX XXXX XXXX and spoke with a CSR and confirmed that since they were not able to provide DSL service, that I would no longer be billed. When my bill arrived in XXXX XXXX, it still had charges for the DSL so I again called and complained and stated I refused to pay for a service they could not provide. Again, I was assured it was corrected and that I would not be billed and that I would see an adjustment on my next bill. This same process went on for several months until I finally got so tired of it, I cancelled my phone service with XXXX as well. I paid all outstanding phone charges and sent a letter to XXXX stating that I refused to pay for service they never provided and referenced the monthly calls with CSR about the billing. 

I heard absolutely nothing for literally years, not until I was declined for credit due to outstanding collections in XXXX. Since I had filed a Chapter XXXX bankruptcy in XXXX, I was not aware of anything going to collections and had worked hard to keep all bills paid on time. I received the free credit report based upon credit denial and found the XXXX collection. I then got copies of my other reports and found they were reporting to all XXXX credit reporting bureaus. 

I disputed with all XXXX agencies and explained exactly what happened and why I was not liable for the charges. XXXX verified with all three agencies. I sent a letter to XXXX detailing that I was not liable for the charges and why. In addition, I demanded they mark the account as " disputed by consumer ''. 

I again pulled my credit reports in XXXX XXXX and XXXX was still reporting and was not noted as " disputed by consumer. '' Since then, XXXX has disappeared from my credit reports but now I have " Trident Asset Management ' reporting as a collection agency for XXXX. In XXXX XXXX, I disputed this account with all XXXX of the credit bureaus and again, it was verified and not marked as disputed. After that, I placed letters in the mail to both XXXX and Trident Asset Management concerning this account. To date, neither agency has bothered to reply.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NJ)

HI! My mortgage was taken over by XXXX bank a couple months back. 
But my mortgage still shows payments due to Owcen mortgage company which is not correct, I only owe money to XXXX for the house at XXXX XXXX XXXX, XXXX XXXX XXXX, New JerseyThis has caused my credit score to drop XXXX points
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Failure to Reinvestigate and Remove Late Payment under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) Account XXXX  Dear Sir/Madam, I am writing to formally file a complaint against [ Credit Bureau Name : XXXX/Experian/XXXX ] for failing to properly reinvestigate and remove a late payment that has been inaccurately reported on my credit report, in violation of federal law. 
Details of the Issue : Account Name : ** XXXX Account Number : ** XXXX Date of Incorrect Late Payment Reported : ( XXXX 2024 XXXX EXPERIAN Date of Incorrect Late Payment Reported : ( XXXX 2024 ) XXXX Credit Bureaus Involved XXXX ** XXXX, Experian Under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC XXXX ( a XXXX ( XXXX ) ( XXXX ) ), I am entitled to have any erroneous information removed from my credit report following a proper reinvestigation. I disputed the reported late payment with XXXX and Experian on XX/XX/year>, providing all necessary supporting documentation to prove that the payment was not late. Despite this, the late payment remains on my credit report, negatively impacting my credit score. 
Steps Taken : 1. I submitted a formal dispute to XXXX and Experian on XX/XX/year>, requesting a reinvestigation into the erroneous late payment reporting. 
2. I provided evidence, including bank statements and payment confirmations, showing that the payment was made on time. 
3. I received a response from XXXX and Experian in XXXX 2024, indicating that the late payment would not be removed without a satisfactory explanation or evidence for their decision. 
4. Adjunto una carta que demuestra que el acreedor no me respondi dentro del plazo de XXXX das, en la cual solicito formalmente que se me proporcione una prueba detallada sobre este artculo especfico. '' [ segn 15 USC 1666 ( b ) ] que ha adoptado para garantizar que cada estado de cuenta peridico se me enva por correo a m ( el consumidor ) a ms tardar 21 das antes de la fecha de vencimiento del pago. Incluya tambin toda la informacin requerida por la seccin 1637 ( b ) del Ttulo 15. 
5.Additionally, I want to inform you that no information about this account appears on XXXX, which constitutes a violation of my rights, since the account must be reported uniformly in the three credit bureaus.
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

I regularly transfer funds into my Wells Fargo checking account, from my primary savings institution, which is a Credit Union. The last transfer I initiated was a next business day delivery, which I sometimes choose. Funds were ordered on XXXX/XXXX/2015 and should have been credited on XXXX/XXXX/2015. I have initiated these transfers, well over a XXXX times in the past, both XXXX business day and XXXX business day requests, with no issues. The most recent transfer in question, was not credited until the XXXX business day, instead of the next business day, as was requested. As a result, my account was debited on XXXX with outstanding checks, and my account was placed into overdraft, which I have protection for. The deficit was covered through funds in an associated savings account. In addition, an overdraft fee was charged. If the entire amount of the funds transfer from my Credit Union account had been credited on XXXX/XXXX/2015, as should have occurred, the account would have not have been in danger of overdraft. I contacted Wells Fargo customer service, requesting they reverse the overdraft fee. The representative on the phone refused, at first, but reacting to my repeated request to reverse this erroneous charge, offered to credit 25 % of the overdraft charge?? I declined the offer and requested to speak with a supervisor. I was connected to XXXX XXXX in the Texas call center. I reiterated my account of what happened, resulting in not only the same 25 % offer, but in addition, she tried to place responsibility on the Credit Union which sent the funds. After repeated requests to reverse the entire overdraft fee, I was again offered the 25 % refund. I declined and ended the conversation. I have checked with my Credit Union and they contend that nothing out of the ordinary occurred with my transfer request. As mentioned before, I have engaged in this same type of transfer over a XXXX times, with no prior issue. Additionally, in the XXXX years since I 've had these accounts at Wells Fargo, an overdraft has never occurred. This is simply a case of Wells Fargo getting an additional day of float on the funds transferred into the account, as well as, a spurious opportunity to charge an illicit fee ... .very simply, a fee grab by XXXX of the XXXX largest banking institutions in the country, involving a relatively small customer who has several accounts with them. The primary reason for my relationship, is because they acquired my accounts subsequent to a takeover of a regional bank, which had very exemplary customer service, and I 've remained with them as a convenient way to pay my mortgage. A resolution to this issue I 'm reporting would be to very simply, refund the entire amount of, what I believe is, an invalid fee which was charged because of Wells Fargo 's own inefficiency.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Loan servicing company Seterus Inc. has been inefficient in paper handling repeatedly asking for same documentation that has been previously provided and has caused delays in submitting loan payoff demands to closing company causing increased costs to consumers in interest payments and penalties. Repeatedly giving incorrect information about expected time for their performance from 48 hours, to 5-7 days, to 7-10 days, to 21 days, to they are backlogged and do n't know when. When contacted by closing agent, they fail to instruct that demands and authorizations must be on their forms when information is requested by the consumer, closing agent, and real estate agent. Being told to contact them by a certain date if requested demand has n't arrived only to be told later that no authorizations or records are on file after the information has been submitted. They are inefficient at best unless they intend to delay closings to earn more interest and penalties from consumers.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Equifax - Please do not simply delete the Pay History as you know, the impact to scores and ones report is harmful immediately. 

XXXX XXXX 1. Is showing on my credit reported as Opened in XXXX and Closed in XXXX or XXXX, which should be 1 month reviewed. 
2. The account has 27 months reviewed, which is inaccurate and impossible 3. The account also has Pay History from XXXX to XXXX - with an actual PAYMENT in XXXX - which we know is impossible for an account that closed with a XXXX balance 6 years ago. 
4. This account is incomplete and inaccurate. 
5. Please validate the account attributes, and update the Tradeline - or delete the account.
Consumer complaint received 2015-06-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BBVA FINANCIAL CORPORATION (AZ)

My problem is with BBVA Compass. My XXXX mortgage is with XXXX and my XXXX is with BBVA Compass. I have struggled for years to keep my home after my divorce and received no financial help from my former husband. I have had to rent out the house to keep it afloat. I can no longer find tenants to pay the amount necessary and need to sell the house. It has been on the market for 2 years and we finally have a buyer. This will unfortunately have to be a short sale as our market has not come back to previous values. We repeatedly asked BBVA to let us know what would they take to satisfy their loan and they repeatedly said to " Bring them an offer and they wo n't stand in the way of the sale ''. This is on many of the taped recordings with myself and XXXX XXXX at BBVA. 
XXXX has accepted the terms but BBVA will not accept the terms. XXXX can only give BBVA {$12000.00} under the HAFA program. I have offered an additional {$8000.00} and the agent has offered an additional {$2000.00}. That is {$22000.00} to BBVA. Now BBVA is saying that they want {$50000.00}. They did not take TARP money so they do n't have to follow any government rules. This sale was supposed to close on XXXX XXXX, 2015 and all involved are waiting for BBVA to accept and XXXX is closing the file. The worse possible scenario is to lose this buyer and the house go into foreclosure. Please help!