davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 'S XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX SAVINGS XX/XX/2022 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX SXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX XXXX  # XXXX, XXXX 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
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

Nelnet is charging a higher interest rate than my actual interest rate. They refuse to explain why or correct it. I have called and emailed a few times and turned them into you last year but nothing has happened. 

Second time I am reporting Nelnet to you for the same issue. Last time you closed out the complaint with the hope Nelnet would resolve the issue but they did not. 

They still haven't resolved the problem of charging me higher interest then my fixed rate federal student loans were taken out at. For instance, several loans were at 6.5 % when originated. This is reflected in the first section of the attachment copied from Nelnet. However, go to the second section reflecting the same loans groups that should be 6.5 % are being charged 6.8 % interest. Nelnet refuses to correct this. I have given them a year to explain/correct this. Also, it seems wrong that my payment is {$440.00} but only {$28.00} goes towards principle. I haven't done the math but that doesn't seem right?
Consumer complaint received 2018-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Nationstar purchased my loan from XXXX XXXX XXXX around XX/XX/XXXX while I was still on ChapterXXXX. Right before the loan was sold I received an escrow analysis that stated my mortgage for the year was {$2000.00}. Once Nationstar started servicing it they said the mortgage was {$2400.00}. I brought this difference to Nationstar 's attention and they said they do their own escrow analysis when they take over a loan. I then started to pay the larger amount in XX/XX/XXXX. They finally adjusted the payment to the lower payment in XX/XX/XXXX. When I come out of Chapter XXXX in XX/XX/XXXX they informed me I was 4 months behind on my mortgage. This was attributed to payments they said I missed during my bankruptcy as well as my not paying the {$2400.00} amount versus the {$2000.00}. I went into a forbearance agreement with them that started XX/XX/XXXX for {$12000.00}. I complete the plan XX/XX/XXXX. They are still reporting the account in forbearance and that my account was 180 day late. Considering they gave me an escrow refund of {$5700.00} in XX/XX/XXXX I to have been severely overcharged during the time they serviced the loan. If you subtract {$5700.00} from {$12000.00} you would get {$7100.00}. That would equal to about 3 1/2 months. I have disputed this with the mortgage company and XXXX. Nationstar continues to respond to XXXX that their reporting is correct.
Consumer complaint received 2023-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (ID)

Mortgage Escrow department refuses to apply reductions in projected property tax obligations. They are basing escrow on tax status of previous owner. They are knowingly retaining excessive portion of my mortgage payment without interest. 
I have attempted since XX/XX/XXXX to get their Tax department to correct their errors without success. Copies of all changes affecting the reduction of my property taxes was forwarded to the Escrow department and it is recorded with XXXX XXXX XXXX department that on XX/XX/XXXX they accessed and verified the changes. 

Assessed value of the property was reduced from {$540000.00} in XXXX to {$390000.00} in XXXX. The reduction in assessed value lowered property from {$4700.00} in XXXX to {$3400.00} in XXXX. 

Ownership of the property changed in XX/XX/XXXX. I am a XXXX XXXX XXXXXXXX Veteran. The approved annual deduction is {$1500.00}. {$750.00} reduction in tax obligation applied to XX/XX/XXXX payment and {$750.00} applied to XX/XX/XXXX. 

The result of the two reductions has lowered property tax from {$4700.00} in XXXX to {$1900.00} in XXXX. A major reduction!!!! The escrow payment for taxes is reduced from $ XXXX in XXXX to {$150.00} in XXXX. A $ XXXX mo reduction in escrow withholding. The Escrow department added a {$50.00}. / mo deficiency withholding, giving a total excess of {$280.00} being withheld each month for 12 months. 

The correct calculation of Escrow payment ; Taxes $ XXXX = {$150.00} Insurance $ XXXX = {$100.00} Escrow Payment {$250.00} The {$280.00} / mo withheld by the mortgage without interest should be applied to my principal, reducing my interest charges and elimination of my debt. The knowingly misappropriating my funds should be considered a criminal act. It is on record that the Tax department was made aware of these reductions on XXXX XXXX but disregard the reductions for their financial gain. 

The Escrow withholding is a projected figure based on property owners expected expenses and reductions, not an exact figure based on past ownership and tax status.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC (OR)

I filed a dispute & they refunded my money & the same day they refunded my money they also blocked my account and the new debit card they sent me. I have called multiple times and they hang up on me & are very rude. They will not allow me to access my account to have access to my money.
Consumer complaint received 2023-08-09
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (GA)

I am filing this complaint in regards to my credit report. Grain technology has reported my account past due even though I have paid my account off. I also disputed a couple of late payments that they reported to my account. When I reached out to the company I was told their was a system error that could have led to my account being un linked to their system. I explained due to my history of on-time payments today report those payments not late and requested a one time payment link to pay off my balance to avoid any more late payment charges the balance for this card was paid off on. XX/XX/2023 yet I received a dispute result from Experian XX/XX/2023 stating that I was 90 days past due on the same account, today I received correspondence from the company stating I had a balance of {$12.00} whereas they reported to Experian I had a balance of {$870.00}, I believe this is unfair and fraudulent against my credit account
Consumer complaint received 2023-09-04
Product: Credit reporting 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. (PA)

I XXXX XXXX noticed some unauthorized inquiries appearing on my Transunion report I have listed the inquiries below with supporting documentation. 

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 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (CA)

In XX/XX/XXXX, I requested forbearance due to XXXXXXXX XXXX impact on my family 's financial situation. I completed a quick online application and was approved for forbearance. I never received written documentation outlining the terms and conditions of the forbearance. 

In XX/XX/XXXX, I emailed XXXX to request the terms and conditions of the forbearance. The email indicated that I needed to call the provided number for any documentation requests ( Attached ). When I called, I was told verbally that there is no documentation outlining the terms and conditions. 

I have since learned that mortgage servicers are required by law to provide borrowers with written forbearance agreements. 

On XX/XX/XXXX, I emailed XXXX again requesting written documentation of the terms and conditions of my forbearance. The email again stated that I need to call to request the document. I then requested that the document be mailed to me. 

Because of my history with XXXX and receiving misinformation when speaking to them verbally ( misinformation about my forbearance which I have previously filed a complaint for ), I am here. 

To this date, I have not received written documentation outlining the terms and conditions of the forbearance.
Consumer complaint received 2023-08-09
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2015-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California (NV)

I asked the collection agency to supply me with verification of debt by providing me with the original application or forms with my signature on it and contract information from the original creditor. I sent them a letter of dispute on XXXX XXXX, 2015 and they never responded. This account is in another person 's name, but they claim that this person has me listed on their account. I asked them to supply me with documentation and they have not. This account is not mine and they need to remove it. They are not reporting accurately on my credit report.
Consumer complaint received 2023-09-27
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Modoc Tribe Financial Services Authority (NC)

I talked to them a month or so ago and I wasn't told my loan was overdue by an email or text. Or any kind of communication. Until they called and said they sent it to collections. Without telling me before hand. And when I wanted to pay it online, they told me that since it's in collections, I have to pay it over the phone. I am not doing that. I want to pay online. And they refused. Also, they demanded I pay the whole thing at once. And threatened to call my job and garnish my wages. So I hung up on them. So everytime I see the phone number, I don't answer it.And they have called everyday since then.I have tried to reason with them and all they care about is the money. So I am not going to try at this point. I will pay what I can. And the harassment is so bad, I have hired a lawyer.
Consumer complaint received 2023-11-09
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. (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. 

XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  : Account # : 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 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-04-21
Product: Credit 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: GOLDMAN SACHS BANK USA (CO)

On XX/XX/XXXX, I received a phone call from XXXX and the caller told me they were with Goldman Sachs and that there was some complicated fraud on my card that was requiring further investigation. They told me my entire credit card number and that there was a charge for {$5000.00} that was on my card and fraudulent. All of that was accurate - I had declined the charge for {$5000.00} when it popped up on my phone... so I thought I was really talking to Goldman Sachs. They proceeded to tell me that they needed me to approve some charges so they could go after the scammers, but they would credit me right away. There were five transactions totaling {$20000.00} before I realized I was being scammed and immediately reported the charges to Apple/Goldman Sachs . I was on the phone with the scammers for hours from the time they first called, but I did report the fraud to the real Goldman Sachs same day and within hours of the initial transaction. The charges were credited and I thought everything was resolved. Then Goldman Sachs put the charges back on my card on XX/XX/XXXX. They did not try to contact me in the time they were reviewing my dispute- I have no emails, no calls and no voicemails from them. After an incredibly difficult time of finding a way to contact the right department ( the phone number on their dispute email only tells me my current balance info, last payment and such - doesn't offer to transfer to a person or report fraud... I ended up calling Apple tech support and asking to be transferred ), I was able talk to a customer support person and to find out that they wanted " evidence of my claims '', so I sent screen shots of my call history. I provided that information and they put in another dispute credit on my card ( all on XX/XX/XXXX and XX/XX/XXXX ). 
They have declined the first of the five charges ( put the charges back on my card ) for the second time on XX/XX/XXXX, and three others on XX/XX/XXXX. ( I assume the last charge will hit my card on the next business day, XX/XX/XXXX which will be the full amount back on my credit at that point. ) Not sure if it's worth mentioning, but if they hadn't kept increasing my credit limit without my request- then the scammers wouldn't have been able to get as much money from me. 
Thank you, and please let me know if you have any questions or need further information.
Consumer complaint received 2023-08-09
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. (AR)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$45000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-08-09
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. (AR)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXXXXXX 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 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 XXXX