davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I 'm certain that Nationstar figured out my account wrong and the payoff - deducted and paid from the Escrow Company to NS - was incorrect in a significant way. If not refunded I 'll file a lawsuit against Nationstar with the State Bar of California. 

With Letter from XX/XX/2016 and XX/XX/2016 " Changes to Your Mortgage Interest Rate and Payments ( see attachments ) I get the information that my monthly payments are now {$2300.00} I paid this amount the entire year 2016 month for month. 
The statement shows clear that this amount contains the payments for PRINCIPLE, INTEREST and ESCROW! Payments were made in time. 

In the " Mortgage Payoff Statement '' from XX/XX/2016 Nationstar charged additional {$9.00} on Interest, XXXX for Escrow advances and {$5.00} for 'paid Expenses ' ( such one are included in the escrow account ). 
As a result the amount of {$22.00} can not be added to the unpaid principal balance and have to be refunded incl. Interests! 

I was calling several times, wrote several letters and an email ( which was delivered! ) but get never a corrected statement. This " Customer Service practices '' is shown in many complaints against NS. I get only a meaningless letter! The mentioned amount of about $ XXXX was paid via Escrow with the sale of my house in XXXX in addition to the Principal Balance. 

Nationstar : If you not refund the full amount I 'm asking you for separated, detailed breakdowns of each item in the payoff statement ( Principle, Interest and Escrow account ), also a detailed statement from all payments Nationstar get monthly for this account : mortgage payments, additional mortgage payments over the last year and the payments from my Trustee to Nationstar. 

A Civil Suit with the State Bar of California ( with the request of a general audit of this NS practices ) will be filed if the case is not solved within 15 days.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

We had a loan with Nationstar and refinanced this load with the same company. When we did the loan paperwork greenlights name showed up and we were told that it was owned by nationstar and payments etc would go to XXXX. In seeing a loan origination fee, I said is that so they can charge this loan origination fee, the closer laughed and said guess so. When the XXXX came it did not include the payment on XX/XX/XXXX. I have sent them proof of payment of all payments to date. Earlier this year they said my first payment was not due until XX/XX/XXXX and so that payment went to greenlight and they have nothing regarding this. I advised them that I had checked and greenlight acquisition happened before XX/XX/XXXX and further more this payment was a electronic payment directly into NationStar 's banking account and that no XXXX was ever received from greenlight. I have spent three years trying to straighten this out and they have done nothing to resolve this. I really need the government agency to step in as I know believe I am not the only person this has happened to. XXXX and XXXX, CO XXXX
Consumer complaint received 2023-04-15
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. ()

I had booked the tickets to go to XXXX was been told by travel agent that payment will be done in 3 separate transactions to 3 different airlines XXXX, XXXX and XXXX XXXX One of the payments were pending so travel agent gave me one way ticket and said once the payment is cleared Ill get the return ticket as well But same day I got and email from XXXX XXXX The airline we were supposed to fly with They said we are canceling your ticket due to some fraud activity After that I contacted the travel agent to ask why was the tickets canceled they said its because of the one payment still pending Couple of days later travel agent said that they have refunded my money so ask the bank to dispute the payment Bank saying we cant dispute the payment we need the proof from travel agent that they have refunded the money I cant get in contact with travel agents at all They have blocked my number and not answering at all The card I used was chase bank card And travel agent they called XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
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)

In accordance to Fair reporting creditor at this creditor has violated my rights. 15 USC 1681 section 602. I have the right to privacy. 15 USC 1680 1 604A section 2. A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under open on a consumer credit plan as open or late for any purpose.
Consumer complaint received 2017-01-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

On XX/XX/XXXX I simultaneously made by mortgage payment due and in the same envelope enclosed a Cashier 's Check # XXXX for {$40000.00} as a Prepayment of Principal on the loan. Nationstar had previous knowledge of a pending substantial principal payment from my last CFPB complaint about 2 months ago. I questioned their competence and ability to handle the payment and be trusted. These incompetent folks misapplied the funds and tried stealing over {$500.00} in additional interest. Being the good babysitter I am of Nationstar I called them out on XX/XX/XXXX when I got my mortgage statement. Now that they were caught and I was threatening to file a criminal complaint and a CFPB complaint they would do the transaction to correct. I told XXXX and the Supervisor XXXX I wanted a copy of the Transaction Activity mailed to me. If I did n't get it by XX/XX/XXXX I would be taking action. No surprise I was lied to by each of them. Sp here it is XX/XX/XXXX and I am complaining again. I also intend to file reports with law enforcement and the Texas Attorney General 's Office. I want my mortgage moved to a competent mortgage servicing company or Executive Supervision over my account.
Consumer complaint received 2023-07-22
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. (FL)

In accordance with the the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This company XXXX XXXX XXXX has continuously ignored my multiple attempts of having them provide me with proof that this debt belongs to me. Right now they are obstructing my home loan from being approved and they failed to respond to my request in the time they were supposed to respond. I sent them a debt validation and heard nothing then I sent a failure to respond notice as well and they do not care. Please help me in getting this removed from my report as it must be fraud or something I never have done business with this company nor the company they represent thanks!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

This complaint applies to Nationstar Mortgage LLC. I pay my mortgage online, generally, except for a couple times when the website was not working. This past period ( XX/XX/2017 ) I received notice that my mortgage payment had been withdrawn from my account although I had not made any payment. I contacted the company via their secure email and inquired as to who had authorized an automatic payment. After a few days I received an email response telling me what an automatic payment was and how to sign up. They did not answer my question as to who authorized an automatic payment. Yesterday I received a notice placed on my door that I should call them. This type of notice is typically a prelude to foreclosure action. Given the litigation against all mortgage lenders and servicers concerning fraud, illegal foreclosure, and other criminal behavior since the mortgage meltdown and recession, I do not trust these entities including Nationstar. These outfits are basically fraudulent enterprises as is evident by all of the lawsuits filed. It is n't clear to me what their angle is, but they were NOT authorized to withdraw funds from my account.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

i have XXXX issues with Nationstar mortgage, first is I requested payoff amounts on multiple occasions beg. XX/XX/XXXX, never received one, i was told it was emailed to me but they had the wrong e mail address and would send it again, which i never got, at that point it was already XX/XX/XXXX, so i am anticipating paying this off and believing amount would be retroactive to request date, my interest alone was XXXX a month, by XX/XX/XXXX i still have n't gotten the amount and I did n't receive a XX/XX/XXXX statement so I i send them the stated statement balance of XXXX, I start receiving calls from the loss mitigation dept threatening me with foreclosure! for non payment!!, they deny they have my bank check, and at one point they hung up on me, that was on XX/XX/XXXX a follow up call with someone and they said the check was received XX/XX/XXXX and was never deposited or applied to my acct, I spoke with loss mitigation again asking how they could threaten me with foreclosure when they have a bank check for {$150000.00}, they threatened and said i could either pay or they would send the check back and start foreclosure, I knew there would be additional fees for paying off i did n't feel i should have to pay the additional 3 months interest, close to XXXX for their incompetence to give me a payoff amt. To finally get it over with I pay whatever they say is due, which was also XXXX different amounts when i spoke with XXXX different people, and decide to move on. # 2 problem arises the following XX/XX/XXXX the when i lease a new vehicle and I 'm told the only blemish on my credit is Nationstar mortgage for late payments!!!, late payments for the three months i was TRYING to pay my mortgage off # 3 problem is as of today I have still not received a lien release to obtain clear title for my home this whole situation with them has been a nightmare they are one of the most unprofessional, incompetent and disorganized financial companies I have ever dealt with and I had a good payment history with them and when the mortgage was held by XXXX XXXX XXXX, I do not feel it was justified I pay the additional 3 months interest for their incompetence and inability to give me a payoff amt. promptly when requested, I did n't even receive a XX/XX/XXXX statement! I 've never heard of such a thing, so at this point i do not know how to get these problems solved I had been in contact with the NYS Banking Dept but that was a waste of time.
Consumer complaint received 2023-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc. (TN)

I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report. Ive attached an itemized statement dated XX/XX/23 showing XXXX balance due, nothing past due and that the {$670.00} is showing as a credit that was applied to the balance putting the account as paid over what was owed in the amount of {$20.00}.
Consumer complaint received 2024-10-23
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)

I filed a dispute for an account listed as XXXX on my Experian credit report, as the account contains MULTIPLE METRO 2 CODE VIOLATIONS and does NOT meet The CDIA 's CRRG. Instead of removing the account, Experian made no changes, and resolved the dispute. I have since reopened another dispute. Along with this complaint, I will be providing a report outlining ALL the reporting code violations associated with this account. I demand this account be deleted due to non compliance, and inaccurate reporting. As you will see in the report, there are SEVERAL inaccuracies reported across ALL 3 bureaus on this account. This is NOT IN COMPLIANCE WITH REPORTING GUIDELINES AND STANDARDS AND THIS ACCOUNT MUST BE REMOVED. My next contact with XXXX will be a formal letter of notification of my intent to take legal action, known as a XXXX notice. To be clear, you must demonstrate full compliance with all requirements and standards of FCRA and CDIA 's Metro2 Compliance mandates. I demand this account be deleted from my report.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$4000.00}, XXXX XXXX XXXX Balance : {$9800.00}, XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$9900.00}
Consumer complaint received 2023-05-16
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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 XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX XXXX Balance of {$8000.00}.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

XXXX, XXXX, XX/XX/2023 In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.