davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

So they sent me this, " Your account has incurred a late fee of {$15.00}. To avoid impacts to your credit, please make a payment by XX/XX/2017.If you ca n't make a payment today, please complete a Promise to Pay form. This will reduce the frequency of the contacts you receive. And you can always call us at XXXX if you need help staying current on your loan. '' The problem was that about one month ago I was told by Nationstar that I was a complete payment ahead of schedule so I had them apply the outstanding money to the loan. Nationstar Mortgage said they would honor the payment terms from XXXX XXXX XXXX ( previous mortgage servicer ). I was using equity accelerator at XXXX and making half payments every two weeks, Nationstar said they would keep this the same. So my guess here is that when they lied to me about being one month ahead ( I think I was actually 1/2 a payment ahead ), so when they applied the complete payment it put me 1/2 month behind, thus the fee they are charging me. This company has the worst customer service I have ever endured, the representative lies to me every time I call and can not pull up my account to even see what is going on. I have to be transferred to someone else every time to actually get any help.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar has mishandled our escrow account for the last year. a year ago We opened a new insurance policy to save {$1000.00} a year replacing the XXXX separate policy ( home owners & windstorm ) after we cancelled the old policy 's the mortgage holder continued to pay the canceled policy & double pay the new policy & noticed us we had a short fall in our escrow account & wanted to raise our monthly payment an additional {$400.00} We have called constantly to resolve I have requested a 2 year accounting review of our escrow but no response. Today I received a check from my new insurance company they were double paid again.I dont know how much of our money has been given away. We have been told repeatedly this will be resolved only to see the problem get worse we are put on hold for hours and passed around constantly They will not take our number or ever call us back or write us with proof of a resolution. Last month I made a payment in the amount I think we should owe. We have not received a notice of this months payment due on the first. We are constantly ignored & lied to. CAN I SUE THEM?
Consumer complaint received 2024-08-10
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)

On XX/XX/XXXX, On my XXXX XXXX XXXXXXXX I provided evidence to show the inconsistent payment history between bureaus for the month of XX/XX/XXXX, On XX/XX/XXXX, the investigation was completed and the account came back Verified and Updated. Now I have an extra late payment for XX/XX/XXXX, now Experian is just playing games with me at this point, My XXXX payment was made on XX/XX/XXXX which if my payment date is XX/XX/XXXX that would make my payment 29 days late, not 30, and by law can not be reported late. As for the XX/XX/XXXX payment, XXXX is reporting on time while Experian is reporting 30 days late, it doesnt take a rocket scientist to see the inconsistencies here. According to FCRA 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. Please update this account accordingly, thank you.
Consumer complaint received 2024-08-11
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. (NJ)

This letter serves as a formal dispute regarding the debt reported on my credit file under Account Number XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WI)

In XXXX, I received an escrow analysis from my mortgage company, nationstar, which showed that my escrow had a shortage of nearly {$2000.00}, which means an additional {$250.00} will be added to my payments this year. It appears they have now attached hazard insurance to my mortgage, without my knowledge, something I 've never carried in the past. I have a separate homeowner 's policy with XXXX. They tell me I have to have this, without evidence or reason. I 've asked them to remove it, but they will not respond.
Consumer complaint received 2024-08-02
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: WELLS FARGO & COMPANY (MO)

Dear WFC, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that WFC has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for WFC to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that WFC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft.

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and anticipate that WFC will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was having trouble signing into XXXX XXXX and had to call the number on the screen. The first middle eastern sounding man ended up transferring me to a second middle eastern sounding man that said Id been getting XXXX XXXX but hadnt been paying it ( I have XXXX membership and I told him I dont know how thats possible. He said he could fix it so I didnt ended up a big bill do dont want that do you he yelled. He had me download an ap that let him see my keystrokes and had me set up a contact with my name but a different email address that he gave me and proceeded to have me transfer money via XXXX to that person. He said there were several steps because I kept questioning when do we get to part of giving that money back to me. He would yell and ask if I was stupid, that he was trying to help me. I was on speaker and after the second transfer my husband said to just hang up. I immediately went to the bank crying for them to stop the transfers but he said theyd already been transferred and there was nothing he could do. Directed me to call BofA Fraud division.
Consumer complaint received 2024-06-12
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)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (PR)

SunWest denied buyer of loan because of insufficient collateral ( XX/XX/2022 ). This action took place afterwards buyer opted-out from property sale. I have witnessed this practice before ( not as a seller ), where lenders offer credit denial letters in order for buyer to opt out without any penalty. This is a misconduct and deceiving practice that should not be allowed and lenders should only offer this type of letters in legitimate cases. ( Buyer had sufficient funds to suffice collateral. )
Consumer complaint received 2024-06-03
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. (WI)

I would like to dispute off this negative account on my credit report. 

Equifax : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

On XX/XX/XXXX, my XXXX wrote a check to my name as a XXXX gift. The amount of the check was XXXX. My XXXX bank is XXXXXXXX XXXX from XXXX XXXX and the check number is XXXX. I endorsed the check " for deposit only account # xxxx '' and mailed it to my banks XXXX branch ( Bank of America ). 
I have not received the money into my bank account as of today ( XX/XX/XXXX ). 
However we have placed several claims to both banks which keep shifting the responsibility to the other and closing our claims. 
XXXX XXXX indicated to us that the check was cashed XX/XX/XXXX by Bank of America. However, the money never made it to my account. it was not deposited into the account I specifically indicated on the back of that check, issued to my name. We have a copy of the cancelled check ( front and back ). We do not know at this moment where this money went or where it can be. My mothers bank account does not have the money as it was " cashed '' /withdrawn, nor do I have it in mine. I have not benefited from it. 
The check issued to my name, was not signed. It was endorsed " For deposit only into XXXX account ''. It could not have been chashed, only deposited as indicated in the endorsement.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

I am writing to dispute a late payment on my credit profile for Kikoff. I was never late on this account and I asked Kikoff directly to update this on my credit profile in which they refused. 15 U.S. Code 1681a - Definitions ; rules of construction states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, I did not give written consent for them to furnish this on my credit profile which is another violation. Permissible Purposes- They are not to furnish a consumer report without my written instructions. ( 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) It is also a violation of my privacy. According to the FCRA : Privacy - As a consumer i have the right to privacy, my financial information is private and confidential and should only be shared between me and the financial institution that gave me the credit. 
I ask that you please update this account to paid as agreed.
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. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2022-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (PR)

Synchrony Bank failed to notify customers about changes in its new transfer limits ( for inbound and outbound transfers ). 

According to a bank representative : " the inbound funding limits for all products is {$500000.00} per customer. '' While the outbound funding limits for all products " will depend on the tenurity of your balance to your account, the minimum amount for outbound transfer limit is up to {$25000.00} daily. '' In the past, I have previously transferred ( outbound ) more than {$25000.00} daily without any issues. Now, I no longer can transfer more than that amount. 

Synchrony Bank failed to send letters or post the new transfer funding limits policies on their website informing its customers. Has a Synchrony Bank customer I have now incurred additional unnecessary expenses because the bank failed to communicate said policy changes. 

I requested the bank to share with me its new policies and to post them on its website and the bank did not share all the details about its new policies and only agreed on passing my feedback to its manager. 

I need to withdraw more than the new daily limit and Synchrony Bank is refusing to help me.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (MO)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2024-06-01
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 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 3rd party. They in fact did not come from a 3rd 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, my name is XXXX XXXX, upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter.