davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

Card is a Citibank card ( Specifically XXXX XXXX branded ). They are charging an XXXX of 28.24 %, and I have called them twice and spoke with a supervisor twice requesting a lower XXXX. I don't have a history of late payments or no payments, and a FICO score rated good ( above XXXX ). 

Twice the supervisors have stated that they changed it up because it's their prerogative. Neither time there was another explanation other than it's because they can. 

This is in no way a complaint about the people I spoke to, on both occasions they were very cordial and professional. But they could not explain the rate increase, or do anything about. 

I am attempting to pay off the balance, but at this point Citi is making very difficult to do so. This sounds predatory to me. 

For reference, right now I have a Credit Card with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX at around 18.24 %
Consumer complaint received 2023-07-07
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. (CA)

I recently reviewed a copy of my credit report and was shocked to learn I was a victim of identity theft. I found numerous accounts on my credit report that weren't opened by me. This has been hurting me as I have been in the process of buying a home for my family. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NJ)

I originally filed a complaint on XX/XX/XXXX, Complaint Number XXXX and Ditech did not answer the questions asked nor did they provide the correct documents ( which I will attach in this complaint ). The escrow account is still short over {$3000.00}. I am attaching documents that outline the following : 1. The tax payments were taken from my OLD LOAN in XX/XX/XXXX., XX/XX/XXXX., and XX/XX/XXXX, before the closing ( document that was attached to the surplus check we received ) 2. The 2nd and 4th pages of the closing document ( information was blacked out in the letter received from Ditech regarding this complaint ) where {$3100.00} was put in escrow at closing and then taken out of the new account two weeks later. No one notified us from the mortgage company that our NEW loan started out with XXXX in our account.

3. Attached are 3 XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX there were property taxes paid from the OLD ACCOUNT - Loan # XXXX, in the amount of {$2000.00}, which is the amount that we have been missing in both XX/XX/XXXX and XX/XX/XXXXto have the XXXX XXXX correctly reflecting the taxes paid for that year. If you look at all the documentation there were 3 payments made to the tax assessor in the first quarter of XX/XX/XXXX. One from the old account and 2 from the new one.

4. In the letter from XXXX XXXX, Customer Care Mgr. from Ditech, on the first page she states " The Tax Detail also shows that due to the duplicate payment, you paid {$11000.00} in taxes in XX/XX/XXXX, but due to the credit of {$2000.00}, only {$7200.00} in taxes in XX/XX/XXXX. '' This is incorrect since there is no documentation showing we paid {$11000.00} in taxes in XX/XX/XXXX. See attachments for XX/XX/XXXX where there are two XXXX XXXX. One tax payment from the old loan and one from the new loan.

5. The escrow refund check sent to us was SURPLUS from the OLD ACCOUNT. The amounts are not the same from the old account vs. the new one that was set up. We were told at closing that the closing costs INCLUDED the {$3100.00} that is detailed on the closing document on Page 2 ( Attached ).

6. We have repeatedly asked over and over if the surplus check was supposed to be in the new account and Ditech " made a mistake '' then where exactly did all the money go that we paid at closing and can we have an itemized list of costs that total {$8000.00} ( which includes the {$3100.00} escrow amount ). Also, the amount of the surplus check and the escrow amount originally put in the new account are not the same.

Please have DItech look at this case again and resolve our escrow and tax issues. Thanks!
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name 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 2021-05-12
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: CITIBANK, N.A. (FL)

I Have XXXX  hard inquiry on my credit report thats fraudulent I have never had an account with neither and neither did I try to apply for credit and Im requesting for immediate deletion CBNA and XXXX XXXX Bank
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (PA)

This complaint originates from my ongoing attempt to receive my XXXX XXXX XXXX XXXX XXXX XXXX payment history from my current loan servicer Nelnet. My dealings with Nelnet have been nothing short of unacceptable. By way of background, my federal student loans were originally serviced by XXXX  XXXX XXXX ( XXXX ). Not too long ago, my XXXX account, including my XXXX payment history, were transferred to Nelnet. My XXXX payment history is not immediately available on my Nelnet account portal, and requires a request. 

Starting this past XX/XX/2023, I began a process to have a third party reimburse my past student loan payments. In order to process that request, the third-party requires the servicer 's payment history as a form of validation, i.e., I need my XXXX payment XXXX. On or about XX/XX/2023, I submitted a request into Nelnet for my XXXX payment history. I was told then that the approximate time was XXXX business weeks, taking until the beginning of XXXX to receive it. In both XXXX and XXXX, I called Nelnet to check the status of my request and was told that I should be receiving the payment history the third week of XXXX. In the third week of XXXX, I received a payment history that was woefully inaccurate and did not even remotely display my XXXX payment history. I immediately called Nelnet, who confirmed that the request was incorrectly done and that my request was still pending. I received no timetable as to when it would be complete -- being told that it was " in the queue '' and pending. 

On XX/XX/2023, I again called into Nelnet to check the status of my request and was now told that it would not be completed until XX/XX/2023, with the possibility of it being completed earlier. Given the mismanagement and ill-advised nature of this entire process, I stated that I wanted my request expedited but was told there was nothing I could do. Again, all I was told was that my request was " in the queue '' -- the same misleading, unhelpful, and unreasonable status that I have been given for 4 calendar months now.

Suffice it to say, the thrust of my complaint is the unacceptable amount of time it is taking for Nelnet to complete my request for my XXXX payment history -- an estimated 6 calendar months!!! And during this horrible experience, the misleading and inconsistent representations that I have been given.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-06-16
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. (CA)

This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I initiated a dispute for a transaction worth more than {$12000.00} paid using my Bank of America visa debit card. Two items in my order were returned to the sender and were never delivered to me, the tracking page suggest the same. The items that I did receive were eventually returned to the sender using a prepaid shipping label provided to me. I did not receive a refund from the merchant for those items. I have been waiting for almost a month, and so I decided to initiate a bank dispute. It has been 10 business days but I did not even receive the provisional credit for this transaction which is making it tough for me to pay the rent and other things. I would really wish that Bank Of America helps me with this issue.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

recenttly i looked at my credit report and noticed several fraudently inquries .i feel these inquries are adversley affecting my credit report it is my understanding that you would investigate these items for me to ensure accurcy here are the items XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-01
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. (PA)

I HAVE UNAUTHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNAUTHORIZED ITEMS ON MY REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE THESE ITEMS FROM MY REPORT
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

On or around XX/XX/2023 my wallet and cell phone was stolen from my car. I reported the theft to the authorities and they issued a report which is all they said they could do about it. Whoever stole my wallet started to use my debit cards at various locations around the city to the tune of nearly {$300.00}. I contacted Chime ( XXXX XXXX XXXX ) to inform them of the fraudulent transactions and go through their process of disputing these charges. They told me that the process takes between 60 and 90 days to complete but that I was eligible for a temporary credit for the amount stolen until they completed their investigation. They told me that I had to wait 2 weeks before they would give me that credit. They never gave me the credit. Upon checking the app on my phone I saw that the disputes were denied. I then contacted them again to find out what was going on because they denied it in less than 10 days, an agent informed me that I could request a re investigation. Doing this would make the time start over for receiving the temporary credit. I really needed my money. I reached back out to them a total of three times in the month of XXXX. All they would tell me was that after their investigation my disputes were denied and they would send me an email detailing why in 10 days, I was told that twice. I provided them with a copy of the police report and they still denied it. I dont think its fair that I had to be penalized for being a victim of theft. I have yet to receive any emails detailing why I was denied receiving my money back in my account. I am XXXX and unable to work so I really need help with getting my money back.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (GA)

I received a letter from US Bank indicating that my checking account will be " dormant '' 30 days after inactivity, which there were none back in XX/XX/XXXX. I also had {$5.00} in that account as well. Instead of US Bank closing my account in a timely manner, I was instead charged maintenance fees and then overdraft fees months after the account was suppose to close. 

XX/XX/XXXX : US Bank sent me a letter, " An Important Message About Your Account '' which indicated that my checking account had no " transactions or communications initiated by the customer in the last twelve months ''. This meant that " If no action is taken within 30 days of the letter ... the account will be considered 'Dormant ' ''. 

XX/XX/XXXX : US Bank sent me a letter indicating that the account has been overdrawn by " {$54.00} '' and that I should contact the branch that I normally do my banking. 

XX/XX/XXXX : I called US Bank CBMD-DDA Default Services at XXXX. XXXX, who was very kind and did her best to help me, said that it was collections and I needed to talk with the branch manager to resolve my matter. XXXX transferred the call which ended up on an individual 's voicemail, which I assume is the branch manager. 

XX/XX/XXXX : Instead of leaving a voicemail, I called the US Bank General Banking Customer Service and shared that my account should have been closed in XX/XX/XXXX, according to the document I received. XXXX, who was very kind and also did her best to help ( but I believe it was outside of her role to be able to fully help me ) stated : ( 1 ) that I was charged a maintenance fee in XX/XX/XXXX, and my account went to {$0.00}, and ( 2 ) that my checking account officially closed on XX/XX/XXXX.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Mobiloans, LLC (CA)

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by MOBILOANS LLC , XXXX XXXX XXXX, XXXX , XXXX XXXX on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, XXXX, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

Someone opened an account with XXXX XXXX and left a balance of XXXX on my credit report. I have filed a police report and have filed several disputes on XXXX and XXXX and nothing has been done the company keeps saying its my debt. One thing for sure we dont have a XXXX XXXX in Michigan the account was opened in Arizona in XX/XX/year> in it has been a problem on my credit report please help me
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I applied for a personal loan on XXXX and got the following offer : {$3100.00} loan Payment terms : 47 months at {$350.00} each That comes out to {$16000.00} My mind is blown! 
How are these companies allowed to exist? 
Regulations needs to be put in places to protect consumers. 

Of course I did not accept the loan and want to help protect others from companies like these. 

I have a screenshot to prove it. 

Thank you for investigating this! 
Cheers!
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

During XXXX my student loans recently were in forebarence. However, I had other student loans from 2013 when I went to XXXX University. Its through Navient. They never stopped charging me and I went ahead and made the payments but after research, I believe the student loans should not still have a balance. I was very young and went to XXXX but then when I started a family I stopped for many years and then when I was in my late XXXX and early XXXX attended a university or college. Those student loans I am very aware of and carry a balance of around {$38000.00} which was in forbearance. I would like some help to understand if the company Navient still has over a {$10000.00} balance, when my attendance to XXXX was in 2013 when I was much younger. I want to know my rights and understand if I actually signed up for consolidation so they could move the balances to a new loan to start all over to pay or if actually, the balance is legitimate that they have. I just want to know if student loans over 10 years are still payable because with that added to my XXXX my payment is almost {$500.00} a month and I just want make sure its an actual payment thats required Im not trying to get out of paying student loans. I just want make sure that Im not getting taken advantage of.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2023-10-24
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. (IN)

I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : 1. XXXX XXXX : Account number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$370.00}. 
2. XXXX XXXX : Account Number XXXX   ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$9800.00}. 
3. XXXX XXXX XXXX XXXX ; Account Number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$1100.00}. 
4. XXXX XXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$910.00}. 
5. XXXX XXXXXXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$840.00} 6. XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$51000.00}. 
7. XXXX  : XXXX ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$720.00}.