davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (OK)

We closed on XX/XX/22. They sent me the documents to approve prior to closing but the amount of the loan did not match up with the cost of the home, land, and closing costs. At first, I was paying {$2500.00} more than the loan was supposed to be because they didn't give me credit for the earnest money I had put down on the land and home. After they corrected this, we were still {$500.00} over what we were supposed to be financing. I reached out to XXXX XXXX at Triad multiple times to have this corrected but I was ignored. Triad told me I would have to pay fees if I missed the closing so I was forced to close on the home with the mistakes present. 

The loan is also another {$4000.00} higher than what everything was supposed to cost. When I asked the bank about it, they told me the {$4000.00} was for points to bring down my interest rate. I asked them to add it in to the loan documents so the points showed as part of the loan but they never would. Finally XXXX XXXX informed me that they had to be creative on the loan and show on the loan paperwork that we paid {$4000.00} more than we actually did so the bank could get the money for the points. He said he didn't have a way to legitimately add the points in to the loan. This is upsetting for me because they won't provide me any documentation for the points so I can get a tax break. It feels like they basically stole the {$4000.00} from me. They are at the least collecting extra money for something that wasn't in the loan documents. 

Also, when it came time for us to release the final draw to the builder, we let the bank know that everything was not completed properly and that money was still owed to vendors because the request we signed stated that the home had to be 100 % completed properly and everyone involved had been paid. We told the bank we would be lying if we signed but they wanted us to sign anyway. I spoke with XXXX XXXX at Triad about the issue and he said he was worried the builder would not be able to keep all their money if we didn't sign, so we were forced to lie and sign the document anyway with the alternative being that we would eventually default on the loan if we didn't sign.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist bank is refusing to close my escrow account. 

I have a home mortgage with Truist bank. My loan number is XXXX. I made a down payment of 60 % on my new home which is lot more than the 20 % needed to remove escrow account. My loan balance currently is XXXX Further I have a credit score of XXXX and never missed any payments ever in my life. 

But still when I called truist, they are refusing to close my escrow and refund the XXXX in it. 
I told them I will make the propert taxes / home insurance on my own and have sufficient funds, but still they are refusing to close my escrow as they want to make money out of it. 

Truist is paying 0 % interest on the escrow account
Consumer complaint received 2024-05-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (PR)

Re : Dispute of Account Number : XXXX ( XXXX XXXX ) To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with XXXX, XXXX, and Equifax, under the account number XXXX, associated with XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor of this account.

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law. 

I am also aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ). 

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of XXXX days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws. 

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

Sincerely,
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

This complaint is associated with case # XXXX The complaint must be corrected as to the location of the property address which is incorrect as shown. The property address is : XXXX, DELAWARE XXXX Nationstar 's response to this complaint is unacceptable. For the past 6 years, Nationstar has used the same response to all queries- " We will check for error ''. We want our questions answered and want them to stop stalling. They have no escrow department and after all this time, they are admitting they have no idea where each of our payments went? This is what we want answered as per our complaint : Payments have been posted late, even though we have tracking numbers ; who is receiving these payments? The transaction history reports have been manipulated- each one is different ; payments were applied to a bogus escrow account rather than interest and principle as per the law. XXXX checks were returned and refused by Nationstar in order to force a manufactured default and ultimately an illegal foreclosure. A Nationstar witness in Court testified to the non-existence of an escrow account, yet Nationstar needs 30- 60 more days to determine if their witness was reliable!?!? Twice, Nationstar paid our homeowners insurance when it had already been paid. Why is Nationstar the MORTGAGEE on our insurance? They refuse to answer this!! 
This is an unacceptable response from Nationstar and we demand answers!! Not 60 days from now, but now! Do you need this time to make up answers?
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2024-05-15
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (NC)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (PR)

On XXXX XXXX, XXXX, I found out that XXXX XXXX of XXXX XXXX  and XXXX XXXX XXXX, XXXX sent me to collections at IQ DATA INTERNATIONAL IN license number NMLS # XXXX and they reported on my wife and my credit report that we were delinquent and owed an amount of {$3100.00}. I immediately called them and asked them what this was for since I had never received a bill. They sent over a bill to me within one hour of talking to them. Once I received the bill I saw there were fees on there that should not be being charged nor had they given me the opportunity to even pay it before they sent to collections. As soon as the area manager got involved she acknowledged that there were some charges on the bill that were inaccurate and she told me via email on XX/XX/XXXX that this account has been removed from collection and would be removed from my credit report. In the meantime she finished her accounting and came up with a bill that we both agreed upon. She gave us one week to get the payment sent in or it will be put back on my credit report. XXXX XXXX XXXX XXXX received and cashed the check within one week and they confirmed via email it was received. However, it is still on my credit reporting and it is affecting my wife and i financially to be able to obtain and secure a home loan and all the while interest rates are going up due to the delay in getting this erroneous credit reporting which in turn will end up costing me thousands of extra dollars due to the negligence of this companys s ill will reporting to my wife and my credit report. Not only that interest rates have now gone up and it is going to affect my overall monthly payments on my new home loan when I get approved now. All my rent payments were made on time and I have proof of this. I am also attaching documents showing that IQ DATA INTERNATIONAL , INC. license number NMLS # XXXX is not even licensed in Michigan to collect consumer ( s ) rents. At this point I need help from the CFPB to intervene and investigate this company.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00}.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

In   XXXX   XXXX   XXXX     I refinanced my home with Nationstar mortgage  ( See  attached loan closure document ) to lower my payments from {$2600.00}. At this time I had an escrow account balance of {$10000.00} which was to be transferred over to the new loan. After the refinance my mortgage payments were to be {$2200.00}  XXXX   XXXX   XXXX    XXXX   statement ). I made these payments for  XXXX ,  XXXX , and  XXXX .     In  XXXX  I received a letter that my  XXXX  payment had not been received. I called to inquire as to what happened as my bank account had been debited. I was told that I had an escrow shortage of approximately of {$9500.00} which was due to them having to pay my taxes and me not having enough money in my escrow account to cover the costs and that my new payment was {$3000.00}. I explained to them there must have been a mistake and questioned them as to what happened to the money in my escrow account. They said they would look into it and get back to me but it looked like it was used for loan fees.     After further investigation it was discovered that Nationstar 's escrow department had made a mistake and paid for my taxes twice. As a result they were demanding that I still pay the additional {$800.00} in fees until the tax company could return the over-payment. I refused and came to an agreement that I would only pay an additional {$61.00} per month until the over payment could be returned.     The tax companies have refunded the over-payment and now I have requested to have my escrow account closed because of how they handled this situation. I was sent a denial letter and I have been told during a follow up phone conversation that I can not close my escrow account because of a RESPA law that states I must have the loan 12 months before I can close my escrow account. I have researched the RESPA law and have not been able to find anything that prevents me from closing out the escrow account.      ( See attachment entitled Nationstar escrow dilema for further details. )
Consumer complaint received 2024-05-13
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. (CA)

EXPERIAN continues to knowingly and falsely update and report information it knows to be unverifiable at worst and obsolete at best. Experian stated the account from XXXX XXXX would be removed from my report XX/XX/2024. Proof from Experian 's own record is attached, There is no way this creditor is verifying anything with Experian because it can not verify me when I call them. This account is also NOT reporting to XXXX XXXX XXXX XXXX XXXX XXXX or XXXX. 

Experian is blatantly violating the FCRA at this point and the regulatory agencies including CFPB should be made aware of Experian 's brazen and deliberate disregard for the integrity of its reporting.
Consumer complaint received 2023-04-12
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. (FL)

Experian continues to violate section 623 ( a ) ( 1 ) ( A ) of the FCRA which states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish.Equifax clearly failed to do so as required by Federal law. Experian STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE THE ACCOUNT STILL REMAINS ON MY CREDIT FILE. Experian stated they confirmed they verified the account from XXXX and Court records, I HAVE ENCLOSED AN LETTER FROM THE COURT AND XXXX SHOWING HOW EXPERIAN VIOLATED FEDERAL LAW. In fact XXXX could not verify the Bankruptcy that Experian claims to have verified from XXXX, THEREFORE EXPERIAN NEVER CONDUCTED AN INVESTIGATION ON THE FOLLOWING XXXX XXXXBANKRUPTCY/ FILE XXXX.
Consumer complaint received 2021-11-30
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. (IN)

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 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

I discovered on XX/XX/24 that my checking account was drained of approximately {$9000.00}. I immediately froze the account, requested a new debit card and filed a dispute with Key Bank in XXXX, NY. The representative at the local branch was able to pull the transactions on this account and I identified that transactions that I did not make. He submitted the dispute to claims department. Even though some of the disputed transactions occurred in XXXX, NY while I was on vacation in both XXXX, NY on XX/XX/24 and XXXX, Va from XX/XX/24 and XX/XX/24, this claim was denied. I requested a second look at this dispute because the initial denial was predicated on the fact that I was " always in possession of my debit card. '' I never let anyone use my debit card, and most of the fraudulent transactions are at locations that I have never visited, let alone made transactions at. I requested a second dispute and this was also denied, even though my local representation brought the fact that I was not in XXXX when a number of transactions posted to my account.
Consumer complaint received 2024-05-13
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. (GA)

I checked my consumer report regarding XXXX XXXX XXXX of today of XX/XX/year> and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.
Consumer complaint received 2023-04-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (CA)

In XXXX of XXXX I submitted to my Mortgage Servicer, XXXX, my letter from the VA granting 100 % XXXX rating, and an amended Property tax bill from the XXXX XXXX XXXX Treasurer, showing XXXX property taxes on my residence. From XX/XX/XXXX until XXXX of XXXX XXXX refused to correct my monthly Mortgage Statement, and misappropriated my Mortgage Payment to provide {$200.00} to the escrow account to pay nonexistant property taxes. In addition they then listed a late payment and posted non payment of Mortgage payment to the credit reporting agencies. XXXX tranferred mortgage servicing to XXXXllage Capital who has continued this same practice. Both Mortgage servicers continue these practices despite at least 50 calls to Customer Service and letters to their different complaint departments and legal offices. Village capital continues to send foreclosure notices and and other 'lossmit ' paperwork and refuses to conduct a back two year audit to fix the problem. 
I also identified violations of both under the XXXXXXXX XXXX statutes.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-13
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. (CA)

I am writing once again to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission regarding these fraudulent accounts, and subsequent to this submission, XXXX and XXXX have removed these accounts from their records. 
Additionally, I have directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I find it perplexing that these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, consistent with the actions taken by other credit bureaus. Failure to do so will leave me with no alternative but to pursue legal action. 
The following accounts are of concern : XXXX XXXX XXXX and XXXX XXXX  XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.