davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MT)

I believe Nationstar has mismanaged escrow, misappropriated payments and is in possible violation of Sections 6 & 10 of the Real Estate Settlement Procedures Act ( RESPA ). 



Mismanagement of Escrow Upon receipt of my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, I learned that in XXXX XXXX Nationstar made an extra annual payment for my home owner 's insurance, 6 months prior to it 's due date ; the annual payment was previously made in XXXX XXXX. In so doing, Nationstar plunged the balance of my escrow below RESPA required minimum equal to XXXX of total annual escrow disbursements. 



Prior to the receipt of the Annual Escrow Account Disclosure Statement, I was not notified of this untimely payment nor advised of the potential imposition resulting from the significant increase in my minimum monthly payment for XXXX ; an increase to compensate for their mismanagement. Of further concern is the projected annual disbursement for XXXX includes yet another annual payment for my home owner insurance in XXXX - this will make 3 annual payments for 2 annual premiums in a 12 month period. 



RESPA Section 6 My initial correspondence to Nationstar on XXXX XXXX, XXXX requested an explanation for the extra payment made from my escrow and why I was not previously informed. I requested a copy of the invoice from the insurance company for that extra payment and wanted to know what effort was made by Nationstar to validate those charges prior to making that extra payment. I also requested the name of the person managing my escrow. My request was acknowledged XXXX XXXX. 



After hearing nothing, I sent a 2nd written request XXXX XXXX, XXXX, a XXXX request XXXX XXXX, and a XXXX on XXXX XXXX. It has been more than 60 days and Nationstar still has not complied with my request. This is in direct violation of RESPA Section 6. 



Misappropriation of payments Nationstar records the last payment on my account was received XXXX XXXX, XXXX. They do acknowledge my payment of XXXX XXXX, for the month of XXXX, but it is not allocated to my account. In addition my payment for XXXX sent on XXXX XXXX is still not acknowledged as being received. Regarding this matter I have corresponded on 4 separate occasions : XXXX XXXX and XXXX XXXX, XXXX and XXXX. I have also provided Nationstar with Proof of Payment from my bank. My payments are sent electronically. 



In addition to being in violation of RESPA, these actions represent a significant breach of consumer confidence. My hope is that Nationstar will repair this breach and work to rebuild trust with this consumer. I do not relish having to manage the company whose primary role is to manage my mortgage and escrow. This is my home that 's on the line. It is my credit being victimized. It is the future financial security of my family at risk.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I contacted Experian by phone on XXXX to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule 809 since I was not notified in writing prior to this alleged debt being reported on my consumer report. 
Experian is now requiring me to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report.

The verifying documents that are being requested of Experian ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account.

It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule 809, Validation of Debt requirements.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Venmo is bankrupt. They have liabilities to customers denominated in XXXX and they don't have the XXXX They are retaliating against me by preventing me from moving funds, and converting funds to XXXX. Their customer service number plays music for XXXX minutes then goes silent. Clearly this is an attempt to get people to hang up and not get answers. Eventually the music comes back and then they assure you the wait time is XXXX minutes, but then it takes XXXX. They they come up with two different reasons for not cashing the check. First is it " risk '' department, then it is because of random metadata that they collected through unlawful spying they decide they are entitled to discriminate against me. The only " risk '' is that I'm aware venmo is bankrupt and dont have the bitcoin collateral and therefore any access that I have to money is a liability for them because it removes liquidity from their fraudulent system.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (FL)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Consumer complaint received 2019-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Harmon Law Offices, P.C. (MA)

Harmon Law Offices was retained to manage the foreclosure process on my property located at XXXX XXXX XXXX, XXXX ma XXXX. XXXX XXXX XXXX was the bank who retained harmon law offices. I believe they did not handle the administrative filings appropriately, the missed a significant amount of taxes, and submitted redacted documents to the land court for matters in which XXXX XXXX was already found culpable. As a result of this I have been homeless for over 2 years now and suffered grave emotional distress. Harmon law offices will not speak to me or work with me to resolve the matter. XXXX XXXX sent me the attached file.
Consumer complaint received 2019-11-13
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. (PA)

XXXX XXXX placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I order all three of my credit reports and began going thru them looking for mistakes and I noticed XXXX XXXX. XXXX XXXX was on my reports in the XXXX XXXX of the reports, in lew of XXXX XXXX a credit card company. In the beginning of XX/XX/XXXX, I starting inquiring with these companies and the reporting agencies for the accuracy of the of the supposed to be debt items on my reports. I sent XXXX XXXX, a letter to Validate this supposed item of debt on XX/XX/XXXX. And XXXX in returned sent me back a updated change to their credit reporting policy. Note, I ask for XXXX to Validate this item listed on my reports. The next letter I, send was in the middle of XX/XX/XXXX, XXXX never replied to my second letter but is still reporting to the credit reporting agencies with out fail. These is a clear violation of FDCPA Sec. 809 b - Collection Agencies, not validating debt and still reporting to credit reporting agencies. Also, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different statues as to closed acct. and open acct.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MD)

On or about XX/XX/XXXX I submitted a new car loan application for a XXXX XXXX XXXX at XXXX XXXX XXXX. I had already received a preapproval from XXXX XXXXXXXX XXXX with a rate of between XXXX - XXXX percent, Which I told the dealer. The dealer suggested that they could get me a better rate, which they did IF I purchased several aftermarket car detailing products, including ceramic shield for the exterior and " insurance '' for the wheel rims and tires. Purchasing these products reduced my interest rate, but kept my monthly payment almost exactly the same as the higher rate I was presented with when i came in to sign the paperwork. To be clear : the dealer was vague about the actual rate saying only that the rate is less than XXXX XXXX 's highest rate, which is true, but what was not disclosed was that to received the lower rate I had to buy these products. I wrote to wells Fargo to complain that, at the time, as an established customer of more than a decade ( checking, savings, brokerage and credit card accounts ) I was surprised at not only how noncompetitive the rate was for a credit score above XXXX but that I would be required to buy that much dealer products to qualify for what is at best an average rate for my credit score at that time ( XX/XX/XXXX ). I filed a complaint with Wells Fargo in XX/XX/XXXX. The answer was disingenuous at best, saying in part " the rate was competitive based on your credit score. '' The average rate for that credit score in XX/XX/XXXX was about a point lower, especially given I put down approximately {$14000.00} or almost XXXX percent of the purchase price.
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: KEYCORP (FL)

I continue to have high interest rates added to the payment and they do not deduct anything from the original loan. I requested a schedule I could make monthly payments on and they continue to add high interest and have not worked with me on a schedule that I can make payments. In addition they continue to deduct interest from our saving account at the same time I am trying to repay the commercial loan. 
I have continued to try and work with the bank but have been very frustrated with the contacts. I have asked for a reasonable monthly payment i can make since i did lose a business contract which leaves me with only SS and a small retirement payment each month to try and pay the loan off. 

Bank is Key Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed
Consumer complaint received 2023-10-12
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

The most recent checking accounts that I've tried to open are unable to verify my identity. The credit bureau said the same thing when I applied for credit recently. The banks that I've tried were huntington, XXXX and XXXX. I keep getting revolving credit on my report and I have not recently filed bankruptcy. XXXX has cleared their report and have contacted them and noticed my check writing privileges hasn't yet been restored.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had an IRA account at Bank of America and requested that the IRA be transferred to my XXXX XXXX in North Carolina. Bank of America sent a check to my credit union for the incorrect amount. My statement as of the end of XXXX shows a balance of {$6800.00}. The check they sent was for {$6700.00}. 
I called customer service at Bank of America and was told they charge {$50.00} to transfer money to another financial institution. I asked why and they told me when I signed up, I was told there would be a {$50.00} charge?? This IRA was opened sometime in the 1980 's at a branch in MIchigan. There was never any communication about a {$50.00} charge if I ever wanted to transfer the money to a different financial institution. 
Basically, Bank of AMerica is stealing {$50.00} from me.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is the WORST bank ever. For the last 5 years they have tried their very best to put my small woman owned business at risk for closing. I will start with the latest nonsense that happened last week, XX/XX/XXXX. A contractor mailed a check from their bank, XXXX XXXX XXXX ( which I found out is just as bad as Capital One ). I digress, my customer told me that their bank " flagged a check '' as fictitious, but to have me deposit the check. I deposited the check as I had been told, and less than 3 days later the check was returned and my account was flagged. I went out of town for 5 days, when I learned that this check bounced in my business account, but also my personal account. Capital One locked me out of my accounts while on holiday. I spoke with numerous Capital One reps from the Recovery Department, again on holiday when after 2 hours of callbacks, getting placed on hold, a lovely CS rep was able to remove the block from my personal account. I learned that the replacement check for the " fictitious '' check was not going to clear for 5 business days, and it didn't matter that I had to pay my employees health benefits, payroll, rent, etc. Finally, after arguing with Capital One about the unfair treatment of ME ( their customer ) ; they told me that if we bounce anymore checks, they were going to drop my company as a customer. The utter nerve of this bank who has caused me more grief than any other institution, threatened me! I am the victim, NOT Capital One! They deserve punishment for ruining my vacation, and causing my XXXX  to become intolerable. This is NO WAY to treat long term customers. Capital One needs to formally apologize to me for treating me as if I were the criminal bouncing checks all over. I hate Capital One, and will be removing my personal and business funds. Meanwhile, I expect satisfaction for the stress, aggravation and the payment of every bounced check this has caused. Capital One Bank must pay for what they continue to do to my small business.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX