davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I sold my home on XX/XX/XXXX. The mortgage company, Mr. Cooper, provided inaccurate payoff information. The payoff was not provided to the legal team until the day of closing and they were unwilling to correct the problem with any urgency. The company and the website are not providing me with any information about whether they 're going to correct the error and have failed to do anything except make a note on my account that I 've complained. 

The escrow balance on my account on XX/XX/XXXX ( my latest mortgage loan statment ) was {$890.00}. The escrow quoted at the time of closing was {$670.00}. Both the XXXX and XXXX Mortgage Insurance Premiums were deducted from the escrow prior to closing, at a monthly rate of {$100.00} for a total ( difference ) of {$210.00}. The Mortgage Insurance Premium I was quoted on the XXXX payoff was {$210.00} instead of {$0.00}. 

I was also charged interest on the loan through the end of the month in which I closed. I closed on XX/XX/XXXX, which is when the payment is reflected on my account. The interest charged amounts to 23 days of interest on money I no longer owe. All FHA closings which occur after XX/XX/XXXX prohibit FHA lenders from collecting interest through the end of the month by classifying it as a pre-payment penalty. The total interest I was charged is {$950.00} for 61 days. I only actually owed 38 days of interest, or {$590.00}. 

Mr. Cooper overcharged me at closing ( full payment amount not available on their website, legal documents filed at closing are in my possession ) by a total of {$570.00}. I had to bring money to closing with absolutely no warning due to this error.
Consumer complaint received 2023-10-12
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)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX
Consumer complaint received 2021-11-06
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. (MN)

The following credit inquiries listed on my Experian credit report is unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/2021 and XXXX  XXXX XXXX, XX/XX/2021.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

I went to withdraw money from my checking account using an ATM machine at XXXX. The machine printed a receipt stating " Unable to Process Transaction At This Time '' and did not receive any cash. My request amount was for {$60.00} of which I had Approximately {$75.00} in my account. Immediately following the ATM machine, I went to transfer the money to someone to pa y a debt and was told I didn't have sufficient funds. I logged into my account and seen that the {$60.00} was deducted from Checking Account. I called the ATM company and they told me that it was a Network error on Chime 's Side. And To dispute the transaction with Chime and they would confirm that no money was dispensed. First Chime told me that they transaction was pending and they couldn't file a dispute until it settled. After 4 days, I called Chime again to dispute the claim. They denied my refund request saying " They did not find any errors ''. I immediately filed another dispute and requested docs to support their decision. They sent me an email with supposed documentation which consisted of an intake questionaire of questions that were asked of me as well as my ATM receipt showing " Tranaction Not Processed ''. I tried replying to all emails that were sent to me from CHime only to get a NON-Delivered response back. My 2nd dispute was also declined for refund of which they sent me another email with the same documents that they state as proof supporting their decision. Every time I call, it takes 15 minutes to get through the computer automated answering service. Only to talk to the dispute department and their supervisors with them claiming they can not directly communicate with their investigation department and said my only option is to reopen the claim/dispute ;. 

Basically, they have called me a Liar by denying a refund for the {$60.00} that was never dispensed from the ATM and have successfully STALLED any progress in settling this problem. The ATM Company and Bank behind the ATM company have both verbally told me they can see the transaction and confirms their knowledge of No funds being dispersed.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

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 information is inaccurate.
Consumer complaint received 2023-10-12
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. (NY)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AN1 ) 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 2023-10-12
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-06-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

so my complaint is again citibank i couple months i been having about 12 to 14 transactions with out my authorizationin XXXX washington when i call citibank to complain and dispute this charges i didnt receiveany help even when i was complaining iver the phone a transaction was preceding during the call in seatle i leave in XXXX XXXX california i got the letter from them that y dispute was denied i fight secon time they said that i used my pin number that are transatcions that i did i really upset with citibank now i got 2 small transactions again i dispute for this transaction again i not feeling confortable anymore with citibank i supposted be a trust bank even customer service is so bad no greet you as soon you enter one of the brunch if i need withdraw money the dont enough big bills ost of the time leave with a lot of 20 is so inconvinience i told them that i will complain with you guys because is no fair is my money and you trust a bank for your money to be safe and no they ending rob you. 
XXXX
Consumer complaint received 2023-10-12
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$21000.00}
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I did not ask experian to put a fraud alert on my account. 
They did it without my consent They are requiring me to go out of my way to submit numerous documents to have it removed on a letter received XXXX. 
I DEMAND THAT THEY REMOVE THIS XXXX FRAUD ALERT IMMEDIATELY. THIS IS OUTRAGEOUS. I WILL BEGIN LEGAL ACTION. 
THIS WAS DONE FRAUDULENTLY. REMOVE THIS ACTION FROM MY REPORT. I DID NOT SUBMIT ANYTHING FOR YOUR FRAUDULENT ACTION AND I REFUSE TO SUBMIT 6 DOCUMENTS TO REMOVE IT.
Consumer complaint received 2023-10-12
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. (FL)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (TX)

Professional Account Management mailed me two 'DEMAND FOR PAYMENT '' letters on XX/XX/2022 and XX/XX/2022. I do not believe this debt is accurate. I have and have had for over 1 year now a current XXXX  account which is current and when I brought this " DEMAND FOR PAYMENT '' letter that they sent me to the XXXX. XXXX customer service checked the information on the " DEMAND FOR PAYMENT '' letter and stated that I DO NOT OWE ANY MONIES ON THIS ACCOUNT NUMBER OR LICENSE PLATE.ALL FEES PAID VIA XXXX XXXX HAVE THE RECIEPT FROM XXXX TO PROVE IT. As I explained to PROFESSIONAL ACCOUNT MANAGEMENT in the certified letter # XXXX XXXX XXXX XXXX XXXX that I mailed to THEM on XX/XX/2022. Professional Account Management failed to respond with any of the requested supporting documents listed. An account number and unpaid charges of {$74.00} is NOT proof of validation of an alleged debt. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt and you never send it.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are attempting to collect a debt that I do NOT OWE!
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NM)

I brought a vehicle XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXXXXXX XXXX, and financed an amount of {$23000.00} with Nissan Finance ( 7.87 percent interest rate ). I didnt pickup the car on the same day, because I had to leave on the next day to XXXX XXXX XXXX XXXX  training. About a week later, my mom went to pick up the car. She and my uncle found out that the car had XXXX miles already. The car dealer didnt even mention that when I signed the contract. They didnt pick up the car but the car dealer didnt cancel my loan contract either. I didnt realize that the car dealer didnt cancel my contract until two months later after my XXXX XXXX training. I found out that my credit score dropped very low because of this car loan, and didnt receive any notice about that I had to pay for the loan. I called the loan company, and they told me if I want to cancel this loan I have to talk to the car dealer. Then I called the car dealer, they told me to call the loan company. They kept pushing me to each other and didnt help me solve my problem. I went to talk to the car dealer face to face on XX/XX/XXXX. I was trying to get them to at least change the car, but it couldnt be achieved based on my low credit score. I waited for a whole day and didnt get any solution. They didnt even call me for any update after that day. On XX/XX/XXXX, I went to the car dealer again, they couldnt help me with any thing, I had nothing to do but to pick up the car and start paying for the loan.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

I re-applied for my IBR plan on with Nelnet on XX/XX/XXXX. I contacted their customer support team on XX/XX/XXXX and spoke with XXXX. She confirmed that my application had been received but the processing was pending on it. She advised me that no further action was required, especially since my due date was not until XX/XX/XXXX. Now that it is XX/XX/XXXX, Nelnet confirms that the application was received, but they did not process it. As a result, they capitalized my accrued interest and told me to start a new IBR application. I believe they are at fault for not processing my application and that the interest should not have been capitalized.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AR)

Paid back in the XX/XX/XXXX to a debt collecter, sold again after paid to XXXX in XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and Citibank finally got it clear up and off my credit record bought and sold XXXX houses in XX/XX/XXXX some debt collector name XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

I have always paid my bills on time and most of the time paid my full balance, but sometimes have had to pay the minimum. Recently I had a payment returned at AMEX and despite the payment going through two days later they still slashed my credit limit right thus stealing away all of the available credit I was planning to pay my bills with after they received my payment. This has put me in a very bad position because I pay my rent from that card and now have to scramble last minute to find a solution. I do have a history of missed payments but this is due to me opted to settle old debts and move on., but my car loan and active credit cards have XXXX XXXX good payment history. I also make six figures a year and they still blindsided me. They did give me the option to upload three months of statements for a 14 day appeal, but I still have to file a complaint, because blind-siding a client that has been consistent for 2 years without a warning. Putting me in a horrible position.
Consumer complaint received 2023-10-12
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. (CA)

I have rights under 15 USC 1681. 

According to 15 USC 1681 : I have the right to privacy I did not give Experian written permission to furnish these accounts : 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 ( which appears twice on credit report ) I demand the accounts listed below are removed due to fraudulent activity from ongoing identity theft as my legal team provided further investigation on their end with proof ( which was sent ). I have disputed with the creditors and Experian credit bureau in XXXX XXXX  and XXXX XXXX  I demanded method of verification on XXXX  and I have not yet received this beyond the 15-day timeframe. They are unable to verify because this is fraudulent which by law requires for these creditors to be removed from my credit report immediately.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (VA)

The original creditor was XXXX XXXX XXXX I received a letter to my address I lived at for 12 years stating I had {$600.00} bill to a address I never heard of of lived I reported it was identity thief sent all the documents proven I never lived there now its has been on my credit with a new debit collector I have spoken to new collector and all 3 credit bureaus to get removed and disputed numerous of times. And when I speak to the collector they continue to say to me they have reported to all 3 credit bureaus of the inaccuracy but it still comes back as accurate this has been going on back and forth since 2018 and it just seems its not getting resolved
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I traded in my vehicle on XXXX/XXXX/2015 and just checked my credit report and it stated my payment was 30-60 days late and I do n't even own this vehicle anymore and have n't for over a month yet they reported to the credit bureaus that my account is delinquent. I called XXXX XXXX and they said they are looking into it and would call the dealership where I got my vehicle but that does n't help me.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I found on Equifax credit report XXXX " Derogatory Mark ''. I have never had any of my accounts go to the collectors. I am always on time or maybe late a day or two. All my credit cards received payments and I am keen not to have a late payment. This must be a mistake.