davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (NY)

I want you to know why Western union think it's fair for them to rob me the usd trades at XXXX Western union want to give u XXXX. Why should I pay them XXXX time. Why is it fair for them to trade well below what the dollar is worth. XXXX can never be a better place because everybody want to get over on everyone. I will not be doing know more business because you want XXXX $ out the money I'm send. How can you sleep at night we all see what the dollar is going for only for you your entitled to more. Your a thief and now I know I'll let everyone know. God sees what you do but yall gon na get yours I pay only to realize the pay rate is XXXX when everyone else is trading right. You will never get a dime more a me money. I hope XXXX punish yall
Consumer complaint received 2022-12-06
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. (GA)

I, XXXX XXXX, reviewed my consumer report on XX/XX/2022 and identified that Experian is willfully reporting inaccurate information, which is unfair to me because I was never notified during Experians initial investigation nor when this inaccurate information was furnished. Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ), Experian is violating my consumer protected right by continuing to report inaccurate information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Experian has committed a grave error and undermined my belief in their abilities.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : Experian assumed the role of accurately reporting consumer information, and a competent court of jurisdiction or me did not give them express permission. Experian failed in their initial investigation for accurate information, and they assumed the information was valid, which is another violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) : Experian did not ensure this informations accuracy or exercise any grave responsibility with fairness and impartiality.

In good faith, I notified Experian, in writing the attached inquiries were inaccurate and of no benefit to me as a consumer and to delete them. They did not fulfill my request, so I must file this federal complaint because I communicated directly with Experian only to be ignored and violated!
Consumer complaint received 2022-12-06
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: FirstPoint Collection Resources (MD)

In accordance with the Fair Credit Reporting Act, [ First Point Collection Agency 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

The starting balance on my loan was {$13000.00} XXXXI have reviewed all 3 credit reports for Westlake Portfolio on a closed repossession account that shows the current balance owed is currently owed XXXX. However I have contacted the company and they have also provided stated the owe balance is {$11000.00}. Upon further review of the XXXX page ledger at time of the charge off the balance that was owed is {$9700.00} with a date of XX/XX/2020. At this time my FCRA rights have been violated due to inaccurate information for balance due and credit reporting and I would like have this removed from all 3 credit bureaus.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

XXXX XXXX XXXX and Experian were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to my credit.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I tried to pay a bill online at XXXX with my Chase Sapphire credit card. Chase blocked the charge and sent me an email and a text message saying they alerted it as fraud, that no charge was made, and to try it again ( after confirming it was in fact me ). So I tried the charge again on the Sapphire card. They again blocked it and send me an email and text message saying that the charge was not made and to try again, after confirming it was me. I tried a third time, now using my Chase Amazon card, and it was blocked again and all the same things happened. By the fourth time, my card went through. Then, I received all of those charges on my amazon and sapphire cards. I have called Chase 4x asking for them to dispute those charges with XXXX and asking them to correct the charges made on the cards as a result of their " fraud protection. '' I still am being charged for 3 repeated charges. I have also tried calling XXXX after Chase told me they could not help me and that I have to contact XXXX. XXXX will not help me because I no longer have an account with them. It is now XX/XX/XXXX, I am still being charged for the exact same payment XXXX.
Consumer complaint received 2022-12-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Fair Collections & Outsourcing ( FCO ) have harassed me multiple times via phone and letters in attempt to collect debt for " XXXX XXXX XXXX XXXX with apartment or unit XXXX '' which does not belong to me. I have notified them that this debt does not belong to me and they continue to harass and attempt to steal my personally identifiable information.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (IL)

This account is in violation of 15 U.S. C. 1681 ( c-1 ). I have made several attempts to notify the original creditor and the collection agency about this account that's fraudulent or came from identity theft. 
This isn't my account nor do I owe XXXX.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NV)

Paid total amount on lease paperwork on XXXX ( {$21000.00} ). They claimed I had to pay sales tax, but refused to give me an accounting. I went to DMV to get the sales tax amount, and paid it on XXXX ( {$1200.00} ) They STILL have not sent me the title to my car. I have tried to communicate with them, and finally, today, disputed the {$21000.00} amount I gave them. They have deleted the account, so I can no longer submit questions.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

Nissan Motor Credit charges excessive interest rates on leases on their more expensive vehicles. I recently was arranging a lease on a XXXX XXXX XXXX edition for my wife and the interest rate was approaching XXXX  %. My credit score is over XXXX so it had nothing to do with my credit. I told them I was going to take the lease to my bank and they told me Nissan would not allow it. They also let it slip that they charge higher interest rates on more expensive vehicles because the customer can afford.it. I offered to pay a significant amount down to reduce the egregious interest and they told me that wouldn't really help and would only reduce my payment but would not reduce the interest. I would never have leased the vehicle except that my wife really wanted it. I have recently co-signed on leases on less expensive cars for my children from Nissan at much lower interest rates so this was a very bad experience.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

I was with nationstar mortgage company beginning in XXXX. In XXXX we took out a loan that was supposed to be put onto our mortgage. XXXX nationstar turned into Mr. Cooper and there was a loan modification. Fast forward to XXXX, we got a letter on our front door saying our house was foreclosed on and sold at an auction. Never once were we notified of this. The company we took the loan out from, XXXX XXXX, said we didnt pay on our loan. Which was supposed to be added onto our mortgage. Mr. Cooper will not answer our questions at all and weve lost our house due to something they did. Please help us.
Consumer complaint received 2022-12-06
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: Grain Technology, Inc. (MI)

This account has been disputed. The creditors are reporting an account as on status. The reporting account status is closed and needs to be deleted immediately. 

The creditors are giving an automatic verified and not doing an proper investigation
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/22 my bank notified me that PayPal had a XXXX transaction of {$2900.00} that was going to be transferred. I called PayPal and a representative got on the phone to assist me with the fraud. He asked to take over my computer to do so. He then accessed our log in information to log into my bank, transferred {$7000.00} from our savings account to our checking account. From there, he opened a XXXX account and transferred {$1800.00} to an XXXX XXXX  XXXX from our checking account. When I looked at our bank 's app and saw this, I hung up and called our bank to file fraud. My bank stated that XXXX verified my identity using my name, address, email, phone number, date of birth, and SSN through XXXX. They also verified he swiped my debit card which was verified by XXXX  via XXXX on XX/XX/22. I called XXXX the next day and was told by their fraud department that my identity was used for the {$1800.00} transaction, and it's not refundable. My husband called PayPal on XX/XX/22 to close the account but was told it needed to remain open for 30 days for investigation into the over XXXX plus transactions. Our PayPal login was changed, so I recovered our account and set up a new password on XX/XX/22. I noticed that not only our checking account was listed on our PayPal account, but also our savings and XXXX XXXX  XXXX  numbers the fraudster got off our bank 's log in. On XX/XX/22, I deleted all of our accounts from PayPal, and I've called PayPal multiple times to close the account, but it's still open and we're receiving emails from PayPal and XXXX. I filed a police report XX/XX/22 and followed up on XX/XX/22, we have done credit freezes and watches on XX/XX/22, purchased a new hard drive on XX/XX/22, changed passwords, purchased XXXX XXXX on XX/XX/22, and I've filed an Identity Theft Report on FTC 's website on XX/XX/22 and updated on XX/XX/22. On XX/XX/22, I wasn't able to log in my bank account, so I had to recover my account and change the username, password, PIN, and security questions. We've filed 3 appeals to our bank to be reimbursed but have been unsuccessful since XXXX stated, " the listed transactions are not fraudulent. '' I've written PayPal and XXXX to close the accounts, and from XXXX to be reimbursed the {$1800.00}, but they submitted a letter to my bank saying, " The customer claims she did not authorize this transaction ; however, we were able to verify the customer 's information to prove her participation in the disputed transaction. '' PayPal has responded to report email scams to them but overlooked the XXXX plus fraudulent transactions and neglected to close our account.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (GA)

My wife and I signed real estate contract on XX/XX/XXXX to purchase new construction home from Lennar XXXX XXXX, LLC. Property address is XXXX XXXX XXXX, XXXX, GA XXXX. We were specifically told that the home would not be built until early XXXX and closing for home would be XX/XX/XXXX. That was the key incentive for us to sign this contract as we knew we would not be financially secure to accumulate our necessary down payment, 40 % of the purchase price, until XXXX. After we adamantly expressed to sales agent that was the only scenario that would work for us, we were repeatedly assured by sales agents that closing would be at mid XX/XX/XXXX. Well during last week of XXXX we came to location of proposed home and noticed that foundation slab has been installed. Upon inquiring of sales agent about cancelling this contract and getting our earnest back we were told don't worry house would not be built until XXXX. We specifically inquired about pulling out of this contract at this point and was told that if home was ready earlier that XXXX, we could cancel and get our earnest money back. We feel the loan officer and the sales agent were working together to deceive us. Well, here it is in early XXXX and house has been built. We have gotten very limited, confusing verbal communications from Lennar sales agents, specifically XXXX XXXX, XXXX XXXX, XXXX XXXX and mortgage loan officer XXXX XXXX. We feel we've been lied to and deceived to sign this contract as they knew house would be built this year XXXX. Numerous phone calls have been not returned and we have not received any written communication from sales agents or mortgage officer as to specific resolutions at this point.
Consumer complaint received 2022-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (FL)

Poor communication, a lack of responsiveness and mixed answers. 

Loan Application : XX/XX/2022. 
Appraisal Paid : XX/XX/2022. 
Loan Commitment : XX/XX/2022. 
Contract Original Closing Date : XX/XX/2022. 

XX/XX/2022 : Loan has still not even been submitted to underwriting for initial review. 

It has been more than 30 days since I applied for a mortgage, I have provided all requested documents in a timely manner and have been looking for answers day after day. Unanswered emails and calls are a habit for this company, they are neglecting the fact that contracts have timelines and putting my escrow deposit at risk. 

They have failed to act in a timely manner, treat me fairly and to provide accurate answers that every consumer deserves. I am tired of having to chase down information from this company.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-08-23
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-06
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: LEXISNEXIS (PA)

There were a few times that I disputed this bankruptcy with XXXX the dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and presently. I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus, and I got a letter stating they do not report any bankruptcies to anybody. So, if that's the case. How did the credit bureaus edify my bankruptcy XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2022-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I submitted a payoff to Navient on the loan ending in XXXX on XX/XX/XXXX, in the amount of XXXX, resulting in an overpayment of {$57.00}. Navient held onto this money for over 2 months due to internal policy, never asking me where to send repayment, and instead decided it must be the XXXX and issued a check that was sent to the wrong address. 
Regardless of whatever their internal reasons for delay were, this - {$57.00} balance was open and active from XX/XX/XXXX until it was finally returned to me on XX/XX/XXXX. And, per our contract, 5 % interest is due on any loan amount. I hereby demand Navient pay me due interest on their borrowing of {$57.00} for me for 2 months, which with 5 % daily interest on {$57.00} over 55 days comes to about {$0.00}. 
I wouldn't be this petty if it weren't for the equal treatment I've received from this savage monstrosity of a company. I request simply what I'm owed per our signed promissory note. Please find my signed promissory notes with Navient attached.
Consumer complaint received 2022-12-06
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. (MI)

This account has been disputed. The creditors are reporting an account as on status. The reporting account status is closed and needs to be deleted immediately. 

The creditors are giving an automatic verified and not doing an proper investigation