davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I recently refinanced my home mortgage with Wells Fargo. My complaint is that Wells attempted to delay payment of my school taxes from the old mortgage 's escrow account in a way that resulted in the new, refinanced mortgage having a higher balance. It 's complicated but this is what happened : - My local school taxes are due in XXXX. Each year, Wells Fargo would make the payment ( around {$3500.00} ) from my escrow balance. I applied for the financing in XXXX, with an eye toward completing the refinancing in XXXX or early XXXX. But I had questions about what would happen to the escrow account. The Wells Fargo loan officer explained to me, in XXXX, that the outstanding escrow balance, which was peaking due to upcoming payments, would be used to pay down the principal on the original mortgage. For example, if the payoff amount on the loan was {$150000.00}, and the escrow balance was {$6000.00}, at closing, that {$6000.00} would be applied to the loan, bringing the balance down to {$140000.00}. That seems positive -- but I would still on the hook to make the {$3500.00} tax payment in XXXX. I became concerned that, if the refinancing closed before the school taxes were paid, I would need to come up with an addition {$3500.00} at closing. Wells Fargo told me not to worry. In an email, the officer told me that the school taxes would be paid in XXXX before the closing, which ended up being scheduled for XXXX XXXX. I kept an eye on my mortgage account online, but the XXXX payment never posted. Finally, a couple of days before closing, I called Wells Fargo 's call center and they told me the tax payment had been put on " hold. '' They did n't pay my school taxes as expected and promised. Then the kicker : I received the Closing Disclosure from Wells Fargo. My outstanding escrow balance was being used to pay off the old loan, as they told me it would. But they added to the loan principle {$3500.00} for outstanding XXXX school taxes and prepayments for 11 months of school taxes for XXXX. By delaying payment of my XXXX school taxes from escrow, they effectively inflated the balance of my new loan by {$3500.00}. The interest on {$3500.00} on a XXXX, 3 % loan is not much. But if this is their standard business practice, Wells Fargo can incrementally boost their customers ' mortgage balances, at least during months when big tax payments come due. Multiply that by XXXX or mortgages over many years, and it 's real money. 
I told my mortgage officer that I would walk away from the loan if the school tax was not made. Wells Fargo did do this. But if I had n't made a stink, I would have been out {$920.00} in added interest payments over the life of the loan ( see attached closing disclosures ).
Consumer complaint received 2021-01-19
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. (OK)

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Hi, I applied for public student loan forgiveness two years ago, the beginning of XXXX, and my loans were transferred to XXXX at that time. I have income-driven repayment, and have made all my payments on time in the correct amount, about 23 total I believe. XXXX is saying that I have only made 10 qualifying payments total, and that I won't be eligible for forgiveness until XX/XX/XXXX ( when it should be XXXX orXX/XX/XXXX since all my payments should be qualifying ). I have called to have it fixed, the rep did try and help and said he would submit it to have it fixed, however I never heard back and this was about a month ago. I have tried getting in contact with customer services in several other occasions since then, no luck. I need to have this corrected as I am worried that I will never be eligible for forgiveness if they continue on at this rate.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX 2015 we contacted bank of America and told them we wanted to due a deed in lieu, because we could not afford the house. We were not behind in payments, but wanted to due the right thing. We went through all the steps filling out all paper work. Bank of America put a lock on the house the end of XXXX 2015 and we signed deed in Lieu paper on XXXX. When XXXX country notified me that the house lawn was not mowed, I contacted BOA, at that time I was told the deed in Lieu was not approved. I said you have locked us out of this house and did n't contact us that it was n't approved. They had sent a letter to the empty house, when they had know we had not lived there in four years. All monthly statements were sent to new house, plus in the process all letters, but this one had the correct address on it. They are now telling me that they are going through the foreclosure process, I feel it is to claim more money then we owe. We gave then a clean house with a new heating & air new floors. I have attached the appraisal done by BOA. They told me XXXX/XXXX/2015 that they are starting negative credit reporting. 
I would like BOA To remove all late payments after XXXX/XXXX/2015 and to complete the deed in lieu.
Consumer complaint received 2022-02-11
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: LEXISNEXIS (IL)

LexisNexis has violated my consumer rights to privacy. LexisNexis has also violated codes XXXX USC 1861b Permissible Purpose.

In a response letter to a previous complaint, LexisNexis admitted to gathering information from another data furnisher named PACER ( Public Access to Court Electronic Records ) system. LexisNexis, in-turn use this information on my consumer report and provided this information to other consumer reporting agencies without my permission. 

This has resulted in multiple failed attempts for me to financially advance and continues to cause damage to me as a consumer. 

I demand that LexisNexis, provide proof of Permissible Purpose. 
I demand that LexisNexis, provide proof of my consumer rights to privacy was not violated.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: All Credit Considered Mortgage, Inc. (GA)

I'm a Certified real estate XXXX in the state of Georgia # XXXX. I performed an appraisal for a conventional mortgage loan/purchase for XXXX XXXX XXXX Mortgage , Inc. ( XXXX Mortgage ). Georgia Mortgage XXXX XXXX # XXXX and MD XXXX # XXXX. They chose XXXX XXXX as the appraisal management company to handle the appraisal for this loan. I completed the appraisal for them as ordered and have not received payment for services rendered. XXXX XXXX has since closed it's doors, so I contacted XXXX Mortgage and requested that they pay for the services they ordered. I was simply told they wouldn't do so. 


My question is, would XXXX Mortgage be required under XXXX XXXX to assure payment for services they caused to be ordered for products they used to get a loan processed? Also, I would think that the truth in lending statements aren't accurate regarding the XXXX fees as none were actually paid in this instance. 

Thank you.
Consumer complaint received 2015-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MD)

I have sent XXXX written request for Validation of Account, and Midland Credit Mangement has not provided me with the requested information, such as, signed contract, payment history, proof of ownership and all the requested documentation. Please see attached letters. This collection agency has placed this debt on my credit reports without validatiing the debt.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VT)

I started working for a public service organization in XXXX, 2011. I called Sallie Mae to make sure my loans would qualify for the Public Service Loan Forgiveness program. They told me that my loans would qualify, and that there was nothing else I needed to do besides stay current on my monthly payments for 120 months. 

It turns out that was misleading information, which came to my attention more than 3 years later. I moved my loans at that point to Fed Loans, so now they do qualify. 

I am still extremely upset about what Sallie Mae did in this instance. I am requesting a remedy from them, or to get credit for the 36 ( plus ) payments that should have counted towards the 120 needed for loan forgiveness. 

Please help, or direct me to any appropriate place to resolve this matter. 

Thank you! 

XXXX XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I requested a student loan for XXXX but never received the loan because I decided to cancel it before the disbursement. Later only to find out they charged me interest on money I never received. I complained but only got the run around. They continue charging me interest on the interest money they said I owed. They place a bad debt report on my credit causing denial to credit app 's. I set up a repayment plan in which the debit from my bank account only later to charge me all over again saying I never paid. They harassed me every day by calling. Till I paid the the money all over again. Just so they would removed anything they placed on my credit report.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NM)

I called numerous times about a supposed law suit US Bank has on me. I asked how am I frauding them. I called the recovery department and was told by XXXX that according to my ssn I am not in system. I was XXXX by XXXX I closed my account in 2005 with a balance of {$270.00} first time and he did n't know how much my balance was second time. Both times he said my balance could be a scam to seek legal help. He also said that balance was sold to a company that is now closed down and could not give me anything else on that balance. He even refused to offer me the old account number stating my account is too old and again seek legal advice for it could be a scam.
Consumer complaint received 2015-08-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights : 1. XXXX ( Miscellaneous ) 2. XXXX  ( Miscellaneous ) 3. XXXX XXXX ( Miscellaneous ) 4. XXXXXXXX XXXX ( Miscellaneous ) 5. XXXX XXXX ( Miscellaneous ) 6. XXXX XXXX ( Miscellaneous ) 7. XXXX XXXX  ( Finance ) 8. XXXX XXXX XXXX ( Bank ) 9. XXXX XXXX XXXX ( Miscellaneous ) 10XXXX XXXX XXXX ( Miscellaneous ) 11. XXXX XXXX XXXX ( Finance ) 12. XXXX ( Miscellaneous ) 13. XXXX XXXX  SERVICES ( Bank ) 14. XXXX XXXX ( Miscellaneous ) XXXX5 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX requested experian to rectify and update my personal information including 1.address alteration 2.name rectification 3.sole social security validation 4.impeccable date of birth acknowledgment I also refuse inclusion of any telephonic contact and request the removal of all addresses deemed inaccurately reported by the U.S post office
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2011 and a balance of {$12000.00}.
Consumer complaint received 2016-02-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

On XXXX XXXX 2014 I received notice from SunTrust Bank that a check I received by mai for {$2500.00} had been returned and a deposit item return fee of {$12.00} would be charged to my account. I accepted the actions and fee assessed to the account and considered the issue closed and the {$2500.00} deposit would be reversed from my checking account balance. On XXXX XXXX I receive notice that SunTrust Bank had turned my account over to their fraud / XXXX department, closed my my checking and savings account, and submitted a fraud report to Early Warning Services ... XXXX in XXXX Arizona. 


My issue with SunTrust Bank is their handling of the deposit and filing a fraud report on my account when they had initially placed the deposit on hold from XXXX XXXX XXXX of 2014 which should have been enough time to determine if the check could be processed or not, along with my contacting their customer service department via chat session to obtain the status of the deposit on hold and being told the funds would be deposited to my account the morning of XXXX XXXX 2014. During the time the deposit was on hold there were no transactions paid or withdrawals processed from the checking account and no loss was encountered by the bank and I have submitted documents along with this statement as proof of what actions were done by the bank.
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am mailing you all the latest information that I received back from Navient. They have been over my loans for a number of years and I have made my payments in which they state otherwise. I have records showing that I sent them the consolidation loan paperwork on XXXX XXXX 2017. Per the paperwork I received from them will prove that same information though they previously stated I had not sent them anything. Someone sent a previous document with my name on it in which that was not me. I had only sent them documentation in XX/XX/XXXX not XX/XX/XXXX.  They say that someone emailed them paperwork, but I sent my information to them by mail certified through the US Postal Service. At this time Navient should still be over my loans and also grant my Public Service Loan Forgiveness as I have also requested due to working in the XXXX field over three years in providing service to the public. I want them to acknowledge that they accepted falsified documents where my identity could possibly be jeopardized due to their negligence for not further investigating after they were aware that I had only been mailing in any items to them through the years. Due to Navient constantly lying regarding my files I began sending them all information via certified mail so that I had further proof for my personal records. Everything Navient has done leading up to this point has been a complete scam in running up interest rates beyond what we are able to pay even if we work etc.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The Star Financial (CA)

On XX/XX/XXXX, I applied for a mortgage loan for a house in XXXX XXXX, CA using Star Financial Corp. I received my pre-approval within 24 hours. After searching for houses, I entered into on XX/XX/XXXX for a house. After opening escrow on XX/XX/XXXX, I immedialty contacted the lender with additional info they requested to officialy sent my applciation to the underwrite. After reviewing my application within 24hrs, Loan Officer XXXX XXXX said he is not able to provide the loan. So I went ahead to other lenders quickly, while shopping around, he came back to me 4 days later and gave me a call and said he is gon na make it happen. So I provided all the docs to him again. A week goes by and he does not sent me a Loan Estimate with my rate. I asked him to send it multiple times but each time, he told me not to worry and he will make the loan happen. 2 weeks goes by and after him charging me {$630.00} for appraisal, he comes back a week after that ( 3 weeks from the start ) with the appraisal report notice and tells me appraisal came back so sign this form ( appraisal delivery form ) - XX/XX/XXXX. At this point I did not even have a copy of it. So I refused to sign the form and he got mad. He comes back same day with a loan estimate finally. He proposed a loan estimate with a rate of 7.25 % and over {$42000.00} in only origination fees not even HOA or taxes included only the fee he is gon na charge me to originate the loan. Interestingly he gives me a LE and I look at it and the rate lock started XX/XX/XXXX, which is over 20 days from the day we opened escrow and started my application. I complained about the insane interest rate and loan costs and he told me " You do not know what you are talking about. I am gon na give the loan to you and just sign it ''. After that he called me multiple times and also emailed me another LE with interest rate of 6.99 % and loan cost of over {$20000.00} and told me take it or leave it. I felt so much pressure and also he harassed me and he wanted to make me sign papers so he can over charge me. He also said, this all is gon na be fine, just sign it and we can talk after COE.