davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage has told me 3 times over the phone that they would reverse a late fee charged to my account back in XXXX. Last XXXX, I was hit with a {$64.00} late fee because my electronic payment from my bank was delayed XXXX day due to a holiday weekend. Nationstar applied the additional principal I pay on my mortgage each month to the late fee until it was paid in full. I told Nationstar it was not fair to charge me a late fee because the bank was closed on a holiday. They told me in XXXX it would be reversed ( This was my first late payment since the account was opened in XXXX of 2013. My payments were all auto payments from my bank from the beginning. ) and as of today they have done nothing to reverse the charge. They keep stringing me along whenever I call or e-mail about the fee reversal I was told would be done telling me that they are reviewing the issue and will give me an answer the next month and they do n't.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WI)

In XX/XX/XXXX my wife and I did a mortgage modification with XXXX the payment of XXXX included principal, intreste, and the repayment of back taxes for 55 months. The loan was transferred to Nationstar mortgage who has now done an escrow reevaluation and are demanding I pay them XXXX starting XXXX. Our taxes and insurance will stay the same. I called Nationstar mortgage and asked to speak to a supervisior they kept me on hold 30 min then hung up on me. They are in violation of our modification with XXXX. My wife and I were in forclosure and had to file a bankruptcy this company Nationstar is being very unfair and illegal. This is causing my family much distress. By the way XXXX goes toward escrow each month x XXXX XXXX my taxes are only XXXX my homeowners insurance is XXXX per year the total for taxes and insurance are XXXX as you can see I have a positive amount of XXXX I hope someone at the CFPB is able to help our family in this stressful time thank you for your consideration.
Consumer complaint received 2015-04-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co. (FL)

I contacted Consumer Real Estate Finance Co about obtaining a USDA loan to purchase a home. I was told I qualified and we started the process. I signed a contract on a house on XXXX XXXX, 2015. Since that time we have not closed, I have spent {$1800.00} for deposits, appraisals, inspections, etc and the mortgage company has not given us any closing date. We have had to extend the contract date XXXX and my latest expiration is XXXX XXXX. As of today my file still has not moved out of Underwriting and the mortgage company is not returning my phone calls or emails. They are also not returning my real estate agents calls or emails.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (SC)

I was wrongly foreclosed on in XXXX, and was included in the National Mortgage Settlement class in XXXX. 

In accordance with the terms of the National Mortgage Settlement, I received a cash payment, and the foreclosure was removed from my credit history. 

However, Nationstar referred repeatedly to this foreclosure in refusing to grant me a refinancing in XXXX XXXX. Of course, no record of the foreclosure exists in the databases of the XXXX reporting agencies Nationstar used : XXXX, XXXX XXXX or XXXX. Instead, Nationstar cited some other record, document, " fraud report '' or such proving the foreclosure, although, as recently as last week, they have continued to refuse to show me the document, precisely describe it or tell me where they 'd found it. 

I have made numerous requests for this documentation, and have also gone to great lengths with several members of the Nationstar sales and customer relations teams to establish my membership in the National Mortgage Settlement class and even to explain the Settlement. Most of my inquiries have been met with silence, or occasionally an email which completely ignores the Settlement and my claims with relation to it. On several occasions, Nationstar representatives pretended not to know what the Settlement was. 

I was able to refinance successfully with XXXX XXXX in XXXX XXXX, at favorable rates. XXXX, which also uses the XXXX above-named reporting firms, did not find any problems with my history and made no mention of the foreclosure, incidentally. 

Do I have any recourse? Will financial firms continue to be able to deny me financing on the basis of a foreclosure that should have been removed from my credit history? Or is Nationstar in the wrong?
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (MD)

i would like to file a complaint against BB & T for unfair overdraft fees. I appreciate that the banks offer of overdraft protection however, in 2015 I have paid over {$1000.00} in fees. Just in XXXX 2015/XXXX 2015 my fees alone totaled {$360.00}. I have reached out to the bank for assistance and they will only adjust your account for overdraft fees every 24 months.
Consumer complaint received 2016-07-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Trying to get mortgage assistance. I have a XXXX and XXXX degree and a XXXX XXXX XXXX. I spent 12 years in XXXX and consider myself an expert. I can not imagine a person without my background working with these people. I am doing this for the greater good. For example, they asked for a Profit and Loss statement because I am self-employed. I prepared it and sent it. I called to follow up and they asked me why my Profit and Loss statement was negative. I said it was negative because it was a loss. They asked why I sent it in then.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX ( my mortgage servicer at the time ) stating that my loan would be transferred to SLS on XXXX XXXX, 2016 and I would receive information about my new loan number, accounting details and mortgage coupons. On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX a foreclosing attorney dated XXXX/XXXX/2016 stating that SLS was going to foreclose on my home 19 days after the loan was allegedly transferred to XXXX. Which enlisted an amount of {$800000.00} which was a different payoff from the amount due prior to XXXX XXXX XXXX transfer of loan. I want proof that SLS is the current servicer of my loan. I want proof of accounting from SLS and XXXX. I want to know why I was denied the right to pay my loan, offered a loan mod, deed in lieu, or short sale prior to sending the loan into foreclosure as required by law. Especially when your loan was transferred to a new servicer and sent into foreclosure less then 30 days from the alleged transfer. I want XXXX and SLS to cease debt collection practices until they can prove that SLS is the actual and current servicer, accounting details, a mortgage coupon, current pay off and payment options as required by law.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (FL)

Those Accounts Are Not mine, I never authorized those Accounts to be opened. -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 2022-06-27
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: EQUIFAX, INC. (NJ)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 -XXXX XXXX XXXX XXXX XXXX XXXX Credit Dispute Dept XXXX XXXX MI XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX {$3000.XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (GA)

XXXX was charged {$140.00} on a Fraudulent purchase on XX/XX/2022. I sisputed the charges and notified credit card company.
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

I sent a payment instrument ( copy included ) XX/XX/XXXX certified mail with a return receipt which was signed for on XX/XX/XXXX that was held and not returned to me, and UWM has failed to XXXX out my account. I have now led it with the U.S. Treasury to pay o my balance using my XXXX XXXX XXXX trust. UWM is now obligated to le a 1099-OID form to receive the funds from the U.S. Department of Treasury XXXX and failure to do so should result in a corporate violation of my rights per HJR 192 of 1933 and 15 USC 1692 A-K. Their failure to accept my payment as such is both an illegal and unlawful act by their corporation. 

There was no return of my negotiable instruments, which means they have now accepted one ( 1 ) payment toward this account. UWM company has failed to pay o the balance owed, failed to acknowledge the reason as to why the instrument was not accepted for payment even though it was not returned, which by denition is accepting payment per each letter sent, and has continued with defamation of character in credit bureau reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hand-printed on the front. On the back, I've indorsed it with the beneficiary signature in acceptance for payment which you may draw from my XXXX XXXX XXXX trust. 

Also, a coupon is worth whatever the face value it has printed on it ; Moreover, I mentioned earlier and you may have noticed, I signed the back of the coupon as a beneficiary as an attempt to make a payment on this debt ; Also, if my payment is refused then by this law the billing statement is void ; EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum Be It Known : The green return receipt returned to me evidences a Common Law-contract between us under the Postal rule, which states : The postal rule ( also known as the mailbox rule or " deposited acceptance rule '' ) is a term of common law contracts which determines the timing of acceptance of an offer when mail is contemplated as the medium of acceptance. The general principle is that a contract is formed when acceptance is communicated to the offeror. The mailbox rule is an exception to the general principle. The mailbox rule provides that the contract is formed when a properly prepaid and properly addressed letter of acceptance is posted. One rationale given for the rule is that the offeror nominates the post office as the implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. The main effect of the mailbox rule is that the risk of acceptance being delivered late or lost in the post is placed upon the offeror. If the offeror is reluctant to accept this risk, he can always require actual receipt before being legally bound.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (FL)

n accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (CA)

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

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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

There is an account that was reported on my XXXX credit report for XXXX XXXX. This account was opened on XX/XX/2016. I have disputed this charge multiple times as we do not owe this false charge, however the charge continues to re-appear on my credit report. This charge has been bought out by several different agencies. XXXX XXXX was not authorized to charge me and all balances were paid in full upon closing our account with XXXX. We have contacted XXXX XXXX several times attempting to settle this matter directly with them but XXXX refuses to make any changes. I will go to all measures necessary to ensure this is made right and the charge is dropped.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX ACCOUNT XXXX XXXX has violated my rights. 

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
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (MA)

I believe Navy Federal Credit Union ( NFCU ) is discriminating against me based upon my age ( XXXX ) and / or is guilty of false advertising- specifically advertising a lower rate when they have no intention of honoring that rate ( bait and switch ). I have called XXXX times about this and XXXX  was told that they would call me back, which they did not and the third time was told there was no assistance they could provide. 

NFCU has a published lowest new car loan rate for XXXX month loans of 2.79 %. My wife and I applied for a loan for approximately {$37000.00} in midXXXX and were given 3.19 %. I enquired as to what was driving this rate and, citing proprietary risk models, NFCU would not tell me despite repeated requests. While I understand completely the need to protect proprietary risk models, I am at a loss as to why we would be denied the lowest rate. 

For reference, here is our approximate loan information : XXXX ) Credit scores : we both have excellent credit scores. 
- my NFCU published credit score was XXXX at the time of the application- my wife 's credit score was anywhere from XXXX - over XXXX at the time of the application, depending upon the source XXXX ) Yearly income : we have a combined yearly income of approximately {$280000.00}. That comes out to approximately $ XXXX XXXX ) Liabilities : the only major liabilities we have are : - mortgage/insurance/taxes - approximately $ XXXX - home equity loan - approximately $ XXXX Given the above, I can not fathom why we do not qualify for the lowest published rate.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA, they are required to .... '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

This bill ha.s been paid over two years ago and shows up on credit as owe. I 've contacted this company for the last two years and they have lied to me telling they apologize and will remove in 7 days. I 've tried speaking to managers but no resolution. I really just need it removed causing me so much heartache. The company is XXXX.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Experian has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and each time verified false, fraudulent, incorrect and incomplete information.THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive amount ) XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) the information on the credit report is based on activities that include the illegal charges so the balance is inflated. 
there is no DOFD on the report, the amount of last payment is not listed, the scheduled payment is not listed ( used to determine excessive late fees ) .I have attached all account history and legal references in the form of the statute, the CFPB guide, and the Federal Reserve COMMENTARY on the final implementation of the 2009 CREDIT CARD ACT. 
ALL VIOLATIONS ALSO VIOLATE THE FCRA AND FDCPA ON THE PART OF EXPERIAN AND XXXX XXXX BANK, RESPECTIVELY. 
THE BUREAU AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF ANY DELETION, CORRECTION OR FUTURE ACTION.I SUGGEST EXPERIAN LEGAL TAKES SOME ACTION FOR KNOWINGLY ABETTING A FURNISHER IN EXTORTIONATE ACTIVITY AND FOR FDCPA,2009 CREDIT CARD ACT AND FINALLY THE FCRA OF WHICH WAS WRITTEN FOR THEM.. 
A JURY PUNITIVE AWARD IN THIS CASE COULD BE SIGNIFICANT! 
ENJOY THE CLEAR AND CONVINCING EVIDENCE AND DO WHATEVER YOU WANT WITH IT.The federal reseve investigator is finding more to hang you with.
Consumer complaint received 2024-08-15
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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX Please delete the items as soon as possible.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MI)

I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting XXXX the freeze. 
However, Experian online does not provide the option for victims, but rather has only one default - Pay them {$10.00}! 
Nor does Experian mention that available option ( again, going for profits while using our info but leaving it exposed due to their delays in implementing a Freeze ). 
Especially galling is the fact that I am an ID Theft victim DUE TO EXPERIAN. Their weak security and weak supposed " encryption '' allowed my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, to be stolen by hackers, ALONG with XXXX XXXX other XXXX victims of this theft / Experian failure. 
In that my personal info was obtained in Experian 's data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely, immediate Security Freeze. 
XXXX the preceding question, there is no option available from Experian to discuss the problem ( i.e. they only apparently want to collect fees )
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

By law If XXXX XXXXXXXX is going to report a delinquent charge off to my account They must properly verify the account with account with documentationThey say I owe a certain amount.Its incorrect its inaccurate.I requested from them the original credit card agreement with the terms and conditions.I want the history of the account the account.I want all the account statements .They sold the debt to a debt collection agency XXXX dont owe this amount that they are listing on my credit reportThey need to remove it.