davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

While closing mortgage, Specialized loan servicing LLC deducted extra future months interest and refused to return the excess interest. 
Payoff quote from Specialized loan servicing LLC on XXXX/XXXX/16 stated the total amount due was {$390000.00} which includes interest up to XXXX/XXXX/16. 
When XXXX XXXX XXXX XXXX tried to payoff the loan, the title company wired the amount of {$390000.00} which include the interest up to XXXX/XXXX/16. Specialized loan servicing LLC did not process the payment as payoff, instead deducted three months of interest and treated the rest amount as additional principal. The XXXX deducted interest amounts on XXXX/XXXX/16 are : {$1200.00} for XXXX, {$1200.00} for XXXX and {$1200.00} for XXXX. And the loan status changed with the principal balance remaining as {$5200.00} along with the escrow balance of {$3600.00} as of XXXX/XXXX/16. 
As suggested by title company, we went ahead to payoff using the new payoff quote as of XXXX/XXXX/16 which is amount of {$1600.00}. We wired the amount of {$1600.00} to the specialized loan servicing and the loan is closed on XXXX/XXXX/16. 
We expected to receive the excess interest payment refund of XXXX for XXXX plus the interest difference after XXXX/XXXX/16 however we received only {$61.00} for the interest refund. 
The amount of {$1500.00} should be refunded as the excess interest paid for non existing loan amount. 
Our calculation for remaining excess interest taken from title company 's payment on XXXX/XXXX/16 : ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$41.00} ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$0.00} Excess interest for XXXX ( $ XXXX {$0.00} ) XXXX {$360.00} Excess interest for XXXX : {$1200.00} Refund from payoff : {$61.00} Remaining excess interest to be refunded : {$1500.00} ( $ XXXX $ XXXX {$61.00} ) Specialized loan servicing also refunded XXXX XXXX property tax payment amount of {$4800.00} which was deducted from the escrow account on XXXX/XXXX/16 however the tax payment did not reach to XXXX XXXX XXXX before the title company 's payment which was made on XXXX/XXXX/16. We have contacted XXXX XXXX and the only XXXX XXXX received was from First American title company and there is no evidence of Specialized loan servicing 's payment. 
Specialized loan servicing is stating that the refund check of {$4800.00} also includes the excess interest refund however it is not true. The interest refund is still in short of {$1500.00}. We would like to request a refund check of {$1500.00}.
Consumer complaint received 2016-07-01
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (NY)

Hi, the reason I am asking for help is because : every month I buy a chase cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to chase bank to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a XXXX XXXX XXXX ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at chase bank but cashed in XXXX XXXX bank. I was given a period of 120 days for resolution and during these 120 days I have been calling chase twice a week with no update except for chase saying that they have emailed XXXX XXXX 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' XXXX XXXX into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed in the first place and how little Chase is doing to try to recover the money.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My wife and I applied for a mortgage with huntington bank. We discussed the ins and outs of the loan process with XXXX XXXX and talked about how much would be needed to be put down on our mortgage loan. We later met again with XXXX XXXX and he showed us the loan estimate. We then received the closing disclosure, which we signed with the monthly payment being final. My wife and I took the final payment on the closing disclosure as correct ( we do n't understand all the realty / banking abbreviations that go in to an estimate ). As we approached closing date ( huntington bank had aprox 45 day notice of ) huntington asked to move the closing date back from XXXX/XXXX/16 to XXXX/XXXX/16. The process went quick because of multiple phone calls and text messages from myself and my wife. We then closed on XXXX/XXXX/16 @ XXXX at XXXX XXXX XXXX, XXXX After I got home after closing I received a phone call from XXXX XXXX , from huntington bank , that they improperly disclosed information to us, and that the closing was void. We then had to wait for new CD forms to be sent to us so we could verify them and establish a new closing date. It turns out that huntington bank failed to disclose Mortgage Insurance to my wife and I in the Lenders estimate and closing disclosure ( which is almost {$100.00} difference per mo. ). After multiple phone calls and cussing battles with XXXX XXXX he tried to blame us for not catching the banks mistake. Both XXXX XXXX and XXXX XXXX, have stated that all huntington bank will do is grant us {$750.00} refund on top of a {$250.00} refund for opening a checking account with them.That does nothing to help the fact that we could n't close on time and now we have to wait five additional days. They have caused countless hours of stress to my wife and I, and all they want to do is cover their own backs and try and blame us. It should n't take countless phone calls and text messages from the customer to the lender to get them to do the job they get paid to do. 
At the closing with XXXX XXXX XXXX, XXXX, we learned that we should have received the appraisal for the property that we were/are purchasing. We did not receive such appraisal. We finally did receive it on XXXX/XXXX/16 ( the day of closing ) at XXXX, 4 hours after our closing time. 
XXXX XXXX and XXXX XXXX have never responded to phone calls in a timely matter. It is offensive that a mortgage company that prides themselves on customer service, will not own up to the previously stated issues. 
We went with huntington bank because we thought they were a good company and we could trust them. We have come to the conclusion that the customer ( in this case us ) does n't matter. They have made this process awful and we still ca n't trust that they will close on XX/XX/2016 like they promised we will. If they do n't close this time when they promised to we could end up losing the house and will have no where to live. 
We hope that someone reading this will take action to stop huntington from treating people this way.
Consumer complaint received 2016-07-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX and I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. The account has been charge-off and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by XXXX. In this case my debt should be removed from my credit report and out of the office of XXXX because they do not have the right to collect in the State of Texas. Because accordingly, to the State of Texas no debt collector can hire another debt collector to collect on their behalf. I called the Secretary of State Texas debt collections division and asked as this type of collecting is legal and it is not.
Consumer complaint received 2015-05-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Today I received a notice from myfico that a new collection has been added to my credit report from Portfolio Recovery Associates. I never received any documentation in the mail to validate this debt, or give me a right to dispute. I have no idea what this debt is for. This collection is damaging my chances of owning a home, and obtaining any other type of credit.
Consumer complaint received 2016-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX, I applied for a mortgage loan for a property that cost {$220000.00}. I received the terms for the mortgage. I had money for the down payment and closing cost. About a week or two before closing I received a letter in the mail stating that there was a XXXX mortgage in the amount of {$33000.00} and that the mortgage had a balloon payment that would be due in 10 years. I felt uneasy and should have pulled out of the whole deal, but was told that was the only way they could finance the loan. I went ahead with the closing and moved in. Several times during the past ten years, I have tried to refinance, modify, and short sale the property. Each time being put through months of paperwork, just to be told no. Fast forward to XX/XX/XXXX, the balloon payment is due. I owe about {$30000.00} on a loan that was originally {$33000.00}. My monthly payments were {$260.00}. I paid that amount on time for 114 months. That means that I have already paid Wells Fargo {$29000.00}! However, I still owe them a lump sum of around {$30000.00}. Wells Fargo will make about {$60000.00} on a {$33000.00} which is almost a 50 % interest rate. Basically, for every dollar I was lent, they are getting back XXXX. How can this be legal? On top of that, my first mortgage was interest only, so I have made little progress in paying that down.
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Navient Solutions, LLC. (CA)

The XXXX XXXX 's company submitted a debt to a collection agency when the debt was paid. They garnished my wages for a mistake on their part. This has to do with the G.I. bill. I received a debt due to their error and now it has been on my credit report.
Consumer complaint received 2017-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been calling TransUnion credit reporting agency to try and dispute some inquiries on my credit report each time that I have called and spoken to a transunion representative I have been told no that I 'm not able to dispute any inquiries on my credit report I have also asked the representatives is there any way that I could dispute online or over the phone I have also been told no I have called TransUnion on several occasions at different times and spoken to different representatives and they each told me the same thing that I 'm not able to dispute my inquiries. And would not assist me in doing so.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX  has acted with negligence. Please see attached documents.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax continues to update my credit report with 5 zombie collection accounts that can not be verified or validated. I have asked them to validate this information multiple times and I have not received any form of validation of these accounts, but they continue to report them in my credit file. Three of the accounts that have the same alphanumeric characters ( XXXX ) listed as the Collection Agency 's name and the original creditor field is blank. XXXX of the accounts has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name and the original creditor field is blank. The 5th zombie account has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name. In addition to these entries not having the collection agency or original creditor 's names, there is also no address or telephone number for these XXXX negative entries in my credit file. I can not validate this information, nor can or has Equifax been able to provide validation.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.
Consumer complaint received 2017-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY (MS)

This complaint is connected to a previous answer to a complaint from TD AUTO FINANCE LLC., XXXX XXXX XXXX, XXXX , XXXX , XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX. I contacted TD AUTO FINANCE LLC. on Monday, XX/XX/XXXX, and alerted TD Auto Finance that I believed I had been a victim of a bait and switch scheme and asked if they had funded the loan and they said " no '' it was pending and they would make a note in the file about the situation. I contacted them again on XX/XX/XXXX, and they said the contract was still pending so, I suggested they hold the funding until I was satisfied with my complaint with the Better Business Bureau and the Consumer Financial Protection Bureau. I received a notice today XX/XX/XXXX, that TD Auto Finance LLC had rejected my complaint and funded the vehicle anyway. Since I am the Consumer I should have a say as to whether I want TD Auto Finance to fund the vehicle or not. Since TD Finance chooses to go ahead with the financing I have no choice but to defer the first car note until the matter is litigated.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was sent a bill from a collection agency on behalf of XXXX XXXX. They claim I opened an account on XXXX/XXXX/14 in my name.I did no such thing. I am the owner and landlord of the building and the unit in question was vacant. One tenant had moved out and I was waiting for another to move in. They claim I closed the account on XXXX/XXXX/14 and again I did no such thing. Some time thereafter a bill was issued in my name and eventually sent to a collection agency. If I had done any of the above i would certainly have them mail a statement to my primary address. I paid the bill after the company shut the gas off and I became aware of the problem. I do n't know who or how XXXX XXXX received my name and issued me the bill. It should have been transferred from one tenant to the next or at the least sent to my primary address to make me aware. I have an account at my primary address for over 20 years and have never been late on a payment with them. As it is my building and the unit was vacant I felt compelled to pay the bill so the next tenant could start their gas service. Transunion was notified twice about this and basically did nothing to remedy the situation. Repeated attempts calling XXXX XXXX also got me nowhere as they said it was out of there hands. Hopefully someone on your end can get XXXX XXXX to rectify their mistake and correct this transgression.
Consumer complaint received 2017-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

My mortgage was sold to Fay Servicing from XXXX XXXX in XXXX of XXXX made my XXXX payment to XXXX XXXX and begin making mortgage payments to Fay Servicing in XXXX of XXXX. On XXXX XXXX, XXXX ; I received a notice advising that my check was returned as my account was in active pre-foreclosure proceedings when my payment has been made monthly. I called in and spoke with XXXX ; who introduced himself as my account manager ; advised that the last payment received towards the account was in XXXX for the month of XXXX. I eplained to the representative that my payments have been made each month and there was no way that I could 've made a payment for the month of XXXX in XXXX as Fay Servicing did n't acquire my account until XXXX. He in turn told me that I needed to go through the loss mitigation process in order to save my home. I sent a follow up email on XXXX providing copies of canceled checks from Fay Servicing for XXXX-My payment was made directly to my previous lender- Check XXXX I started making payments to Fay Servicing the following month. My XXXX payment- Check XXXX was cashed on XXXX XXXX for XXXX My XXXX payment was cashed on XXXX XXXX Check XXXX for XXXX The payment for the month of XXXX was returned check number XXXX The payment for the month of XXXX Check XXXX has not been cashed or returned. As of XXXX ; I did n't receive a response from Fay Servicing or at minimum an acknowledgement of my email receipt ( basic customer service ). I called in spoke with XXXX XXXX again and was advised that the request was sent to thXXXX XXXX on XXXX. I requested the name of his manager and was provided with the contact information for XXXX XXXX. I sent him an email with the supporting documents and have yet to hear from anyone within the organization regarding my payments or account status. As a safety precaution, I sent in the loss mitigation documents on XXXX to avoid missing the XXXX deadline. I would like for Fay to reactivate my account to allow me to make payments ; as well as remove any associated fees due to their collection proceedings. It seems as if the lender is attempting to swindle my property from beneath my feet and forcing me to go into loss mitigation so that they can add additional fees or extend my loan. This has to be the worst customer service that I have experienced
Consumer complaint received 2016-12-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I filed a claim of unauthorized transactions from my savings account. Wellsfargo has not refunded the full amount of money despite being a loyal customer since 2002. I was originally told that I would be receiving all of that money back but now am told that is not the case. If I had many suspicious withdrawals, why did n't Wellsfargo notify me? I have also filed a police report regarding this cyber theft.
Consumer complaint received 2017-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to law 15 USC 6802b and ( c ) - the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

18 USC 1028A - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of imprisonment of 2 years. 

XXXX XXXX XXXX never sent me a notice or chance to opt out to have my information shared with non affiliated third parties. Neither did they provide a written letter with my original signature to have them share my information with non affiliated third parties. All that was sent from them in their response was a document that I never received that stated they would share my account with non affiliated third parties. 


I would like for this information to be corrected or I will exercise my rights against XXXX XXXX XXXX  for each consumer law that they are breaking.