davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My monthly mortgage payment has gone up from {$600.00} per month to {$620.00} per month. When I called Nationstar asking why, I was told that my condo had a newly assessed value. I am assuming that the newly assessed value and increase in my payment is direct retaliation for the filing of my last complaint with the CFPB about this shady company. 

My old {$600.00} monthly payment was broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes & Insurance XXXX XXXX XXXX Monthly Payment $ XXXX new monthly payment is broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes {$63.00} per month & Insurance {$37.00} per month ) = $ XXXX Monthly Payment {$610.00}. 

However, I am being billed {$620.00} per month, starting XXXX XXXX, 2015, not {$610.00} per month. 

When I inquired about the increase in payment, I was not given the current value of the property that the tax amount is based upon, and in addition, I was told that Nationstar has some goofy rule that allows them to keep up to two months of tax payments in the account even though they do not go to the taxing authority. I was told that this was also the reason why my payment has gone up. When I ask these questions, I either get someone on the phone who does not understand the question, and/or I get transferred all over the place. 

Here is what I want : The value of the property that Nationstar is basing their taxes on. They keep pushing me to the taxing authority to get this value yet Nationstar has that information readily available, otherwise they would not be able to generate the tax amount. 

The law or rule in Nationstar 's possession that gives them the authority to withhold XXXX months of tax payments. The law or rule that says they can not give me the value of my condo from their perspective. 

An explanation as to why my payment went up from {$600.00} per month to {$620.00} per month. 

It is this sort of shadiness that makes people wary of the mortgage business. It is time this behavior stopped.
Consumer complaint received 2024-06-19
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-19
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. (TN)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-12-04
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: Experian Information Solutions Inc. (GA)

On the complaint with XXXX, XXXX and Experian, they state that the information I submitted as fraud has been verified. They never spoke to me, a family member or a friend. Verifying that someone ( a thief or an imposter ) used my information is not verifying that I used that information, and these should be removed from my account immediately. XXXX has removed the one account ( XXXX XXXX ) from my credit report, and I would like the XXXX and Experian to follow
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

in accordance with the fair credit reporting act. Pursuant to XXXX8 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX No late payment 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-19
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

XXXX XXXX XXXX [ Consumer Protection Bureau Department ] Subject : Complaint against PayPal regarding Account Suspension and Funds Hold Dear [ Consumer Protection Bureau Department ], I am writing to file a formal complaint against PayPal regarding the sudden and unexplained suspension of my account, associated with the email address [ XXXX ], and the holding of funds amounting to XXXX Euro without valid reasoning or communication from our both sides account. 

On [ XXXX XX/XX/XXXX ], I made a payment of XXXX Euro to my supplier, whose PayPal account is [ Supplier 's PayPal Account : XXXX ]. Following this transaction XXXX both my supplier 's and my PayPal accounts were blocked without any specific explanation or prior notification. 

The actions taken by PayPal have caused severe financial distress and disruption to our business operations. Despite numerous attempts to communicate with PayPal support, we have not received adequate clarification or assistance in resolving this matter. 

I believe this sudden suspension and holding of funds without a clear explanation violates PayPal 's policies and our rights as users. We have been loyal customers of PayPal since XXXX, maintaining a good standing and compliance with their terms of service. 

I kindly request the Consumer Protection Bureau Department to investigate this issue thoroughly and help facilitate the release of the held funds to restore normalcy to our business operations. Additionally, I seek clarity on the specific reasons behind the account suspension and the steps required for resolution. 

Enclosed with this complaint are the relevant transaction details, screenshots of communications with PayPal support, and any other pertinent documentation supporting our claim. 

I hope for a prompt and fair resolution to this matter and am open to providing any further information required for the investigation. 

Thank you for your attention to this urgent issue. I look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updated personal credit report, I discovered that inaccurate items persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these inaccurate items from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the items were incorrect. I demand the immediate deletion of the inaccurate items listed below. This complaint addresses several negative items on my credit report. Enclosed is my new FTC report, number XXXX, for your reference : Experian XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$7500.00} XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within XXXX business days, given ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these items are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance.
Consumer complaint received 2024-06-19
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

Dear Consumer Financial Protection Bureau, I am writing to express my concerns about my current lender overcharging me in escrows for taxes. I believe that their actions are unfair and in violation of industry standards. 

Recently, Our condo received a tax bill and we did not get individual bills yet as the lot was not subdivided yet for each unit and this will only be done on XX/XX/XXXX. However, I am only responsible for 10 % of the current taxes. The lender is claiming that my upcoming school tax bill on XX/XX/23 will be XXXX dollars. This is untrue as they are looking at last years bill which was XXXX bill for the whole condo instead of separate bills. Despite this, my lender is now overcharging me in escrows for taxes, resulting in financial strain for me. Additionally, with my next school tax bill being significantly less, my lender will be in violation of keeping more than XXXX of my annual obligations in escrow at any given time. 

Furthermore, I tried to just begin taking care of the taxes myself as the lender was doing a poor job with their analysis but my lender denied my request to waive escrows, and my payment is set to increase by more than {$2000.00} next month ( XX/XX/23 ), which is a burden that I can not afford and will ultimately result in me defaulting on my mortgage. I am extremely concerned about the lender 's actions and the negative impact it has on my financial stability. 

Finally, on XX/XX/23 we received 1 town tax bill for the whole condo which was paid by the condo sponsor attorney on XX/XX/23. The town verified that they rejected payment from my lender and my lender is still claiming that I have an escrow shortage for a payment which they never made!! 

Furthermore, They denied my escrow waiver request saying that my XXXX is above 80 % but my lender clearly has in their guidelines that they are ok waiving escrows even up to 95 % and I am below this figure. 

Please see attached documents supporting my claim. 

I believe that it is the responsibility of regulatory bodies like yours to ensure that lenders adhere to strict standards of accountability and transparency and that consumers are protected from such unfair practices. I respectfully request that you investigate this matter and take appropriate action to ensure that my lender complies with all regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
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. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to file a formal complaint against XXXX, XXXX and Experian for their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous communication with them regarding inaccurate credit information, they have failed to take appropriate action to rectify the situation. 

I received a copy of my credit report which revealed the following errors : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX I carefully reviewed the FCRA, specifically 15 U.S. Code 1681, Congressional Findings and Statement of Purpose ( a ), which emphasizes the importance of accuracy and fairness in credit reporting. Accordingly, I requested the removal of the aforementioned items from my credit report, as they are not associated with me. Furthermore, I provided clear evidence supporting the inaccuracy of these entries. 

Despite my explicit request and the legal obligations outlined in the FCRA, XXXX, XXXX and Experian has failed to conduct a proper investigation into these disputed items. They have neglected to recheck the accuracy of the entries with the respective creditors who reported them. As a result, these erroneous accounts remain on my credit report, damaging my creditworthiness and violating my consumer rights. 

According to 15 U.S.C. Sec. 1681i ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian is required to complete a reinvestigation within 30 days of receiving my dispute letter. However, they have disregarded this legal time frame and have not provided me with an updated copy of my credit report, as mandated by the FCRA. Furthermore, they have failed to comply with the requirement to send notices of corrections to anyone who received my credit report within the past XXXX months. 

I kindly request your intervention in this matter to ensure that XXXX, XXXX and Experian fulfills their obligations under the FCRA. I believe their actions constitute a violation of my consumer rights, and I seek appropriate remedial measures to rectify this situation. I request that a thorough investigation be conducted and appropriate action taken against XXXX, XXXX and Experian for their noncompliance with the FCRA. 

Furthermore, I request that you provide guidance on how I can further protect my consumer rights and seek redress for the harm caused by XXXX, XXXX and Experian 's actions. I believe that their negligence and failure to comply with the FCRA warrant severe consequences, as this affects not only my financial well-being but also my overall trust in the credit reporting system. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your assistance in protecting consumer rights and ensuring fair and accurate credit reporting practices.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-03-29
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. (CA)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX  {$25000.00}
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I seek relief from XXXX XXXX XXXX to cease reporting late payments or Charged Off status on my credit profile any to agencies such as XXXX, Experian, and XXXX for XXXX XXXX XXXX Account No. XXXX in the My name XXXX XXXX. Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify
Consumer complaint received 2024-06-19
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. (IL)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.