davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CORELOGIC INC (WA)

The following is an email I sent to Corelogic explaining the situation and requesting for our funds to be refunded immediately : I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that Corelogic sent. The next document is the XXXX statement from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from Corelogic was received at the County on XXXX/XXXX/15 and the XXXX XXXX XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to Corelogic asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that Corelogic processes XXXX XXXX XXXX 's taxes for them. 
I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (NJ)

I was directed to fax a waviers letter on the late charges to the correspondence inquiries dept. Put their to me to talk with them. I ask that their put and listens to all calls from XX/XX/XXXX and XX/XX/XXXX was told if I pay {$2200.00} that XXXX later charges would be taken of my Seterus Account each was {$26.00} my Seterus Account would be even this was okay by the supervisor but only {$78.00} was taken off my account. I only owe {$26000.00} on my loan. Seterus is trying to take my home. In XX/XX/XXXX I find out Seterus dropped my flood insurance XXXX XXXX I had over 20 years and added their own flood insurance for almost three times over XXXX price. I nor XXXX was never notify on the renewal their paid XXXX in XX/XX/XXXX why not in XX/XX/XXXX. Now I must pay for a flood elevations certified to go back to high point XXXX insurance which cost over {$600.00}. Now XXXX/XXXX/XXXX I 'm being told I have to pay the extra which was never discussed with me.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

My identity was fraudulently used, and I 've been trying to correct issues that were made against me, instead of placing a simple call, the act was repeated, I 've since placed a police report on my file explaining what has accrued, but, the inaccuracies or still there. 
They have lowered my credit scores numerous of times without even checking the facts. Serveral or should I say, numerous Inquiries against me are unjustified, and EQUIFAX has neither checked or corrected their claims.
Consumer complaint received 2015-08-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Supreme Lending (GA)

The lending agent tried to push through a loan that I was not qualified. 
He was given tax returns and still tried to push the loan wXXXX cks. 
I will have no home & have storage charges for a 4br home to pay. 
The lending officer has not responded to emails on how to handle this. 
Supreme lending in XXXX GA is the company of complaint. 
Now I have to start on a new loan, please note I had paid for inspection. 
The buyers have to place the home back on the market, so many losses! 
The additional expenses are mountaining daily!
Consumer complaint received 2015-09-17
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: ZestFinance (TX)

XXXX XXXX called my job. I was not there. They spoke to my supervisor and did not disclose that they were a debt collection company. They then told her that I would be detained for fraud if i did not contact them. She had no idea it was a debt collector because they misrepresented themselves. She thought I had committed something very serious such as a murder due to the way they spoke to her. She was so scared, she called my phone repeatedly to contact me that i may be detained. I left the facility I was working, because I wanted to resolve the issue. I left work and called to finally find out that this was about a debt. I was so embarrassed that the office thought I had done something terrible.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Capital Accounts, LLC (CA)

I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded.
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Meridian ARG Inc. (GA)

A representative with Cambridge Asset Management advised that there was a civil and a criminal suit against my social security number. She could not tell me anything other than the year the debt was incurred and the name of their client. I have disputed XXXX XXXX several times with the credit bureaus as I was a victim of identity theft when my wallet was stolen back in 2002. They wo n't provide anything in writing. They just want money like its a scam.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MO)

M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder. 

In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation. 
2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX . 
3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender.. 
4. The alterations were not made by the County Recorder 's office as a function of the recording process
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MA)

I have no problem with my NELNET student loans, other that to claim that NELNET automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from NELNET to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SLM CORPORATION (TN)

My son borrowed the money this is a school loan, he is not currently enrolled in school and was unemployed they ask for me to pay it in full harassed me on a daily basis to pay this loan in full. Now its on my credit report as a collection. Should this affect my credit and my sons both? My son is currently making payments. So is it still a collection and and why is it affecting us both. Can They ask for payment in full or else. I thought a student loan was paid in installments until it is paid off not called to be paid in full when creditor feels like it. This is wrong some how!
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be removed.
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Every month for the past 6 months Ive been paying my credit card by the due date, yet I get a late fee charge every month saying I did n't pay the right amount by the due date. I have to write in and get a credit or call and yet the minimum payment includes the late fee amount. Another thing is that I lost my card and a new card was issued. well on my credit report it shows  XXXX  reports on the same card,  XXXX  for the lost card and  XXXX  for the new card. they  XXXX  have late reporting of 30 days but the problem is the first one that shows lates on a particular month is showing no lates on the replacement card account..this is happening on li ke 4 diff erent months ... I called and disputed this 4 times now and it has not changed either ....
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

I filed and re-filed the same dispute because I did not get notice clearly stating the results of their investigation. XXXX filed XX/XX/XXXX and investigation complete XX/XX/XXXX. no notice of result of investigation. Re-filed same complaint XXXX on about XX/XX/XXXX investigation complete XX/XX/XXXX. No notice of results received. Re-filed same dispute for 3rd time XX/XX/XXXX XXXX. Pending.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

Listed below under Equifax , highlighted there is XXXX account that is still being reported incorrectly as of XXXX XXXX 2016 by XXXX. I have disputed this and they have yet to resolve. 

Listed below under XXXX, the accounts that are highlighted have been removed by XXXX, and all of these accounts are being reported incorrectly as of XXXX XXXX 2016 by Equifax. I have repeatedly disputed this, and they have not resolved.
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

I was sent a notice on XXXX XXXX, XXXX by Fedloan Servicing advising me to send my recertification paperwork ( income and tax information ) by XXXX XXXX, XXXX for my upcoming payment plan for the next year. I sent the required information on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX I called Fedloan Servicing and asked when it would be processed. I was told that the application would not be processed until after my XXXX payment was sent out. 

I was told that their policy was not to process the application until the XXXX payment was sent out despite having all the information to make a determination now. I advised that waiting until the last minute to process could result in further delays thus forcing me to have to use deferment and forbearance months if something is wrong with the application. 
I was told by Fedloan Servicing that this is their policy. After pushing, I was then told that it is Federal Policy. I asked for the Federal Law stating such and was met with silence. 

I would like my application processed within a reasonable amount of time. Waiting until the very end of my current plan is unacceptable and opens the door to a forbearance ( capitalized interest ) or deferment issue.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AES/PHEAA (MO)

I believe if this is a student loan and they are reporting that I am late on payment but they are direct withdrawal. If this is n't a student loan then I do not know who they are or what it would be. Either way it is affecting my credit score. Furthermore, they have not tried to contact me.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

My mortgage was serviced by Wells Fargo was paid in full on XX/XX/2020. I was told by Wells Fargo I could provide routing/account information to have my escrow balance ( {$4100.00} ) sent electronically. I called XX/XX/2020 and a woman took my account information. Later she told me she could not send it electronically, only transfer it to a Wells Fargo account. I'm sure this is a ploy for them to open up more accounts without customer 's permission. 

I've called Wells Fargo multiple times regarding their escrow refund process. Each person seems to have a different story, fake promises of being called back, and passing the buck to someone else in the organization. Wells Fargo opened a new case, after not resolving the last, and claim they won't have a resolution for another 10 business days ( XX/XX/XXXX ). I want Wells Fargo to send me my remaining escrow without further delay.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (FL)

I am trying to get a HARP Loan from XXXX, but my equity loan is with SunTrust. 
This problem between the XXXX banks has been going on since XXXX 2015. 
SunTrust was supposed to sign a Subordination for my Equity Loan. 
I sent my check on XXXX XXXX for {$250.00} with the paperwork from XXXX bymail to the bank. Three weeks later they did not receive it. I then tookthe paperwork and new check to the bank and gave it to the branch Mgr, XXXX XXXX. 
I just received another letter saying that the they would not sign thepaperwork because they did not receive the check or paperwork. I havecashed check! It was cashed on XXXX XXXX. XXXX said they could notaccept the canceled check I had in my hand! This is the bank thatactually cashed the check out of my account. So once again I went to thebank and handed a new check and paperwork to XXXX XXXX XXXX XXXX Florida. This again is holding up the HARP loan from XXXX. 
It 's been 4 months because they have either lost or ca n't keep theirpaperwork in order. Then they sent me a letter saying they did n't think Icould meet my financial obligations. Which I have been doing for thepast 20 years and my FICA score is XXXX. Then they sent me theMISSING check back in the mail.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VA)

In XXXX, I got a {$2000.00} loan from XXXX XXXX  online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXXThey never called me, sent me one statement, seemingly wanting to make my credit worse!
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (VA)

I recently purchased a new vehicle through a local dealership in XXXX, VA. The dealer set me up with Suntrust as my lender ( I 'm not sure if this was based on the lowest rate, or that he was incented by Suntrust to push them - He claimed he got box seats to the Washington Nationals game from Suntrust and was going that weekend ). Once I was approved and my loan established, I registered online ( as I 'm an online / digitally engaged person ) so I could regularly pay my bill there. Suntrust does n't allow online payments outside of having an account with them - So I am now being forced to make a financial decision ( open a new account ) with Suntrust to pay them. I called and asked if I was going to have to pay by phone now and they advised that there is a {$15.00} charge to pay by phone. I was not disclosed any of this information when choosing Suntrust as a lender - If I had known they operated this way, I would have chosen a different lender ( even if the rate was higher ). It feels as though this borders ( or holistically lands in ) UDAAP territory as they did not clearly disclose this information to me in making my financial decision.
Consumer complaint received 2017-05-29
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. (CO)

Back  in   XXXX   XXXX   2 016      XXXX   XXXX   posted negative information on my credit history. I disputed with Equifax and the other  XXXX  credit reporting agency o n   XXXX   XXXX  , 2016, a nd the negative information was removed from my account o n   XXXX   XXXX  , 2016. E quifax gave me a confirmation #  XXXX  after deleting the negative information.   Afte r one year  the same negative information reappeared under different collection agency (  XXXX   XXXX   XXXX   ). Eq uifax did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX   2  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX