davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXXXXXX To : Consumer Financial Protection Bureau Wednesday, XXXX XXXX, XX/XX/XXXX RE : NationStar Mortgage XXXX XXXX XXXX XXXX TX XXXX Lender / payment To Whom It May Concern : Mortgage Account Number : XXXX I wish to raise an official complaint in respect of NationStar 's treatment of my mortgage account on the basis that I do not believe that I have been treated fairly. 
My understanding of the basis of this mortgage was that the rate would only ever vary when the base rate changed and when there is a need explaining always on phone it is about escrow and if I need to complaint go to my california representatives. In XX/XX/XXXX NationStar buys or takeover my mortgage from XXXX and a month later they increased my monthly payment from XXXX to XXXX. This problem referred from the long silence they have when I try to communicate with them. They now seem to be telling me that they are able to adjust the tracker rate margin to XX/XX/XXXX. Had I known about this I would have chosen another mortgage product/lender since XXXX promised me something. 
I have been misled by both XXXX and NationStarXXXX and every customer service representative I have contact with and do not believe they have held over me some Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have also been advised of case law which supports the requirement for important conditions to be made clear and obvious in contracts. That was definitely not the case in the NationStar mortgage documentation which they have sent me none. How many times I requested to a document to explain it to me? The replay always has been they DO NOT ANY RECORD. 
I have no copies to these changes except those computer printouts and then notices that they have been escalating my complaint to you. I understand that I am one of many thousands of affected customers and I will do all that I can to encourage as many as possible to fight NationStar on this issue should they continue to be unreasonable. 
I await your response. 
Your faithfully XXXX
Consumer complaint received 2024-05-30
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. (GA)

I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-01
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. (NJ)

I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information. Equifax, The offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name : 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 I'm requesting that these items be remove IMMEDIATELY : Please promptly remove this data within 4 business days to pursuant to 15 USC 168-c-2 to avoid any further legal proceedings. Thank you for your timely complaince!
Consumer complaint received 2017-02-16
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

This is concerning fees charged by Champion Mortgage Reverse Mortgage Servicing Department. Champion sends monthly reverse mortgage statements showing detailed transactions. The monthly statement for the period, XXXX XXXX, XXXX, showed XXXX property inspection fees ( XXXX XXXX and XXXX XXXX ) of {$20.00} each. Upon review of previous monthly statement, I discovered {$20.00} property inspection fees were assessed each month from XXXX XXXX XXXX, XXXX. In sum, for six months, from XXXX XXXX XXXX, XXXX, Champion charged XXXX property inspection fees of {$20.00} each. Additional fees include a property appraisal fee of {$330.00} on XXXX XXXX, XXXX, and attorney fees/costs of {$290.00} on XXXX XXXX. XXXX. All of these charges were added to the loan balance each month. I called Champion Mortgage on XXXX XXXX, XXXX, to inquire about these charges and was told to submit a written request. A written request was mailed on XXXX XXXX, XXXX, with a follow-up request on XXXX XXXX, XXXX. Champion responded on XXXX XXXX, XXXX, stating, " A response will be provided no later than XXXX XXXX, XXXX. However, responses are generally provided in less than ten days from receipt of the correspondence. '' I have not received a response. 
For the record, this property has sold and settlement was XXXX XXXX, XXXX. Champion was notified and a copy of the listing agreement was mailed to them on XXXX XXXX, XXXX. A copy of the sales contract was mailed to Champion on XXXX XXXX, XXXX. This property is in a condo development with all brick exterior. I can assure you no one representing Champion entered the condo for the appraisal or the XXXX monthly inspections. It has been four months since I contacted Champion concerning fees assessed for property inspections, an appraisal, and attorney fees without response.
Consumer complaint received 2024-05-30
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)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX Account number XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-12-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-18
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2019 I made an uninformed decision when I entered into a consumer transaction with JPMCB CARD SERVICES. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. As a cause of this the account ended up becoming a charge off and So now this account is reporting as a charge off on all my credit reports. I have disputed this account several times because JPMCB is not following the law. They have continued to keep this account on my credit report causing me emotional distress, denials, embarrassment, humiliation, and worry. Because of that I have reached out to JPMCB CARD SERVICES one last time sending them a certified notarized letter via usps tracking number XXXX. Also I have uploaded the letter to this complaint as well as a denial letter that I received due to this reporting. Per IRS publication 4681 canceled/charge off debt ( s ) are to be reported as income on form 1099c. By law JPMCB CARD SERVICES cant report their debt on my consumer report. According to the IRS a charge off is supposed to be INCOME. A charge off cant be reported as both income and debt. Why are they reporting income on my credit report?
Consumer complaint received 2024-04-27
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. (CA)

I filed a dispute against inaccurate information being reported by XXXX XXXX XXXX. They have not updated my credit report accordingly. The dispute was open on XX/XX/XXXX, the investigation was closed on XX/XX/XXXX. Please see the attached results. XXXX is reporting that I have ( XXXX ) repossessions and redeemed. The vehicle was only physically taken in XXXX, because of natural disaster. I have to constantly send in information into Equifax and they do no investigation, I have asked for the creditor to be removed since the information being reported varies from Equifax, XXXX and XXXX advised I have no credit report it frozen, but when I supply them with the required documents in XXXX, still not access to my credit report. 

Equifax should update accordingly, investigate and not open and close a matter. XXXX financial are criminals and hurting my credit. I never redeemed the car, I never signed anything agreeing to any extension of contract or terms, they took my payments and did not apply them accordingly and after 5 years of payments I owe XXXX, do the math it doesnt even sound correct. I am being hinder from purchasing a new car with their inaccurate reporting and the Credit Bureaus are allowing that to happen even after a consumer, like me whom submits a dispute. not even XXXX hours they closed the matter and claim they updated my credit report, the payments made from XXXX is still not listed. XXXX however has updated and working on the dispute submitted on XX/XX/XXXX.
Consumer complaint received 2023-12-18
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. (IN)

Reporting wrong account number with xs. Creditor and credit bureau reported the statement included in bankruptcy on the account comments which is not allowed and Im requesting the inaccurate reporting account be removed. 24 months pay history should not be counted months after filing XXXX XXXX  but the credit payment chart is inaccurately counting but just not in red. Requesting account removal due to severe inaccurate reporting to enable my ability to recover a better credit score.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXX Bank XXXX XXXX
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

Nationstar LLC has failed to respond to my pertinent questions of them, that only Nationstar, as the servicer for XXXX XXXX 's mortgage with myself, can correctly answer in writing to me. I have been working on these Nationstar issues, since XX/XX/XXXX. 
Over the past year, I have contacted Nationstar FIFTEEN ( 15 ) more times by email since that first one noted above. I have also contacted Nationstar by telephone many, many times during the past year, all to no avail. 
This complaint is being created on Thursday, XX/XX/XXXX. 

The below is a copy of my latest email to Nationstar on XX/XX/XXXX. 
" Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX ;, XXXXXXXXXXXX XXXX and XXXX : It is outrageous that I have been on the telephone, since XXXX EST until now XXXX EST, over two and one-half hours, waiting for a customer service representative in the REO department to talk to me. 

Please have someone call me back at XXXX???.???? that can easily discuss and solve with me, my questions about these XXXX outstanding Nationstar issues : 1 ] a detailed mathematical spreadsheet showing all items that Nationstar used to calculate the XXXX that I received today, showing {>= $1,000,000} as Nationstar 's accounting of cancellation debt. 

2 ] Nationstar receiving a refund check from my flood insurance company in the amount of {$1400.00} that now shows as a credit in my escrow account, thereby requiring Nationstar to forward that same amount directly to me. 

3 ] Nationstar 's refusal to acknowledge that Nationstar has no interest in my former property at????????????????. 

4 ] Nationstar 's refusal to acknowledge that Nationstar is owed nothing by myself. 


Please kindly acknowledge your receipt of this requesting email from me. 

Thank you, from myself????? " The above is a copy of my latest email to Nationstar on XX/XX/XXXX. 

Please contact Nationstar LLC about my XXXX issues and this currently created complaint. 

I thank you for your help and look forward to hearing from you and Nationstar soon. 
Thursday XX/XX/XXXX complaint filed with CFPB Consumer Financial Protection Bureau. 
END
Consumer complaint received 2024-04-27
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. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

1 month after escrow analysis was completed on my account, my next 3 month bills were billed an additional {$5.00} with no indication of where the increase amount came from on any statements.     I called cust omer service and spent over an hour and a half on the phone trying to figure out WHY I was charged this additional amount. The agent continued to claim she could n't find any reason but her and manager thought it was probably related to PMI being removed and hazard insurance decreasing ( which did not explain the increase in my bill nor why the increase happened AFTER escrow analysis ). After speaking with escrow dept, my customer service agent finally reported that there was " a glitch in our escrow system that affected many other accounts as well. '' Nationstar 's clients who were affected by this " glitch '' need to be made aware and refunded ASAP. It has been 3 months since the " glitch '' with no correction nor refund issued from Nationstar. The manager who was suppose to return my call never did.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I have an adjustable Rate Mortgage with Nationstar Mortgage , Inc. ( Loan # XXXX ) that will be changing in XX/XX/2017. I received a letter from Nationstar Mortgage, INC. telling me that my new rate would be 4.125 percent. Per our contract, 4 ( C ). Before each Change Date, the Note Holder will calculate my new interest rate by adding TWO & ONE-QUARTER percentage points ( 2.25 ) to the Current index. the Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point ( 0.125 ). Subject to the limits stated in section 4 ( D ) below, this rounded amount will be my new interest rate until the next Change Date. I was told by three different customer reps that the Current Index that Nationstar used was 1.80. If my math is correct than 2.25 + 1.80 = 4.05. If 4.05 - 4.00 = .05 and 4.125 - 4.05 = .075, than 4.00 percent would have to be my new interest rate. I received a call from XXXX in there Research Department. I have called her back twice and emailed her and have received no response. This is a simple equation that a small child could figure out and they are just stalling. I 've never had a problem with them before when it came to a change.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

Is Marcus by Golden Sachs having issues with the Federal Reserve? I have been trying to withdrawal money since the XXXX. & they state they are sending it but it take 3 days which we all know it does not take 3 days to send money by ACH or Wire. They have caused me to loose my interest rate. Plus the stress is unreal for them not releasing my funds. I still have not received this money and I have tried 4 times to withdrawal money
Consumer complaint received 2023-02-12
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. (TX)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

Even though Ive been a customer of Barclays Card US since XXXX, in XXXX my card is suddenly blocked. According to the company, I failed to provide sufficient proof of my identity. I had submitted a previous complaint regarding this matter and received a response from XXXX from the XXXX XXXX XXXX XXXX. While the documents I submitted was sufficient to update my name on my account from XXXX XXXX to XXXX XXXX XXXX and issue me a new card in mid XXXX and charge me the annual fee of {$89.00}, my card is still blocked because I have not provided sufficient proof of my identity and as a result, my Barclays XXXX XXXX  card remains blocked. 

To comply with the response received on my earlier complaint, I faxed the required documents to reactivate my XXXX XXXX card to XXXX and received a Confirmation that the fax went through. I then called and left a message for XXXX, the individual who responded to my complain on behalf of the XXXX XXXX XXXX XXXX for Barclay Card XXXX XXXX XXXX XXXX. I left a message that I faxed successfully and asked him to review the matter and get back to me. As of XXXX, I have not received a response and my card remains blocked. In my fax to XXXX with the required documents I sent XXXX a letter and to date I have not received a response or a call re the matter and my card remains locked.