davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My overall complaint is with Transunion. To begin they charge a membership fee and they do not provide up-to-date or accurate information Additionally, they do not preform the credit check rather rely on updates and changes from XXXX. For the past 2 months. I have tracked and monitored my reports very closely. Transunion is the ONLY company who does NOT keep current nor accurate information. My credit accounts are too high as I have decreased the balances to less than 27 %. The collections are paid off and Transunion does not report the current status nor delete the account once paid. 

I am very unclear the reason to have 3 credit reporting agencies when only one is actually utilized by the majority of the country. XXXX needs to update their system or change their practices. At the moment, they are failing
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENOVA INTERNATIONAL, INC. (KS)

Received phone call from someone named XXXX XXXX claiming to be a lawyer for a cashnet loan service, I can find no record of him anywhere. Tried to tell me I obtained loan in XX/XX/2016 and gave an old address, and a bank account that is not mine. Told me he called the bank and verified my information, which would be against banking practices if I did have an account there. I have no knowledge of this loan. He called my place of employment prior to calling me. I am a XXXX and he is threatening to call my XXXX  to discuss this matter with her and report me to the XXXX   board. Called multiple times, 7 in fact within 20 mins and continuously made threats to try and get me to pay. My husband called and he rattled off his information ss #, Birthday, and phone number. Told us he is one step ahead of us and threatened to call my husbands work as well.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (AL)

Account closed due to fraud. Lost debit card during the time of event so I had no access to the account. Ive since had 2 accounts. Trying to get the status of my XXXX XXXX account fully operational.
Consumer complaint received 2019-03-28
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, I purchased a {$2000.00} Camera on XXXX. 
The camera was never delivered although tracking showed XXXX delivered the package to my front door. 
There was no signature confirmation from me and I expected they required that for such a high ticket item. 
I reached out to XXXX & the seller. The seller just stated that his tracking showed the item was delivered so he created a dispute within XXXX. 
At that point I needed a camera so I called my credit card company to see what they could do. I told them that my tracking showed delivered through XXXX, but the item was not received. They told me not to worry about it and that they would issue a provisional credit and get it resolved. 
A month later I received a call stating that my chargeback was denied and funds were withdrawn out of my account again. They stated XXXX presented sufficient evidence that item was received. When I received the details, all ebay sent was a tracking number stating that the item was delivered. That was the reason I called Barclays in the first place. From there I kept calling and the Barclay reps kept telling me to send in letters explaining the situation to try to re-open the case. After 3 letters they just kept telling me they couldn't re-open it. They told me I needed to handle it through XXXX XXXX XXXX. When I reached out to XXXX & XXXX they stated that since I opened a chargeback, their hands were tied. Had I kept the dispute with ebay open and avoided the chargeback, XXXX would have been able to take care of me as they require signature confirmation for anything over {$700.00}. I called Barclays back to explain the situation and how this could have been avoided had the Barclays rep told me initially that my claim would be denied if I had a tracking number which shows delivered. They gave me the same answer so I had it escalated to a supervisor. Days later a supervisor from Barclays called me back and I got her and XXXX on the phone together for a resolution. No resolution was met and ultimately both parties stated that there wasn't anything they could do. I feel that Barclays & their poor policies have stolen {$2000.00} from me. XXXX & XXXX at least were very upfront with their policies from the start, instead of trying to please the customer and then later taking back their word. This is a large amount of money and I am so upset that after almost 4 months, nothing is resolved.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GreenSky, LLC (MI)

My wife and I got a Greensky credit card in the Spring of XXXX for making purchases at our buying club, XXXX. 
I understood in advance if I paid the balance in full for purchases by XX/XX/XXXX, I would not incur any of the accruing interest charges@ 29.99 %. 
Since I received a loan from my credit union on XX/XX/XXXX, I was able to pay off three credit cards with high interest : XXXX, XXXX and Greensky. 
The transactions all took place on the same day XX/XX/XXXX ... and checks were mailed to all three lenders. Both XXXX and XXXX posted credits to my accounts on XX/XX/XXXX ( 5 days later ). Greensky did not post the credit until XX/XX/XXXX ( 14 days later ). 
If I had waited until the end of XXXX to repay my bill ( due XX/XX/XXXX ), it is very likely that it would not have been credited to my account in time not to incur HUGE 29.99 % accumulated interest. 
This looks like predatory lending to me. 
Even though this smelled bad, what eventually made me file this complaint is that they said it would take 30 business days to send me my refund for the overpayment I had on my account. 30 days!!! Greensky looks like a bad actor and should be investigated.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (RI)

I have a Coinbase Card, which I used to purchase 1 night at a hotel. However, I cancelled this order with the hotel and they processed a refund. But the refund never got credited to my Coinbase Card balance. Here is a summary of events : 1 ) I cancelled a transaction with a hotel on XX/XX/XXXX. The amount was {$170.00}.

2 ) After several weeks, no refund. I contacted the hotel and they said it could take 6 weeks or 2 months to receive refund.

3 ) After 2 months of waiting, I contacted Coinbase about refund. Case number # XXXX on XX/XX/XXXX. 
4 ) They replied that transaction was reversed on XX/XX/XXXX and that will be credited to my account as USD. 
5 ) I saw no record of the refund, so I contacted again and was advised to call XXXX ( XXXX ) XXXX and speak with " XXXX ''. 
6 ) I called on XX/XX/XXXX and she said that this issue was already escalated by me on XX/XX/XXXX ( I had never contacted Coinbase about this issue before XXXX, so I don't know where that came from ). 
7 ) XXXX said I must wait another 90 days ( from " escalation date '' of XX/XX/XXXX, or from now ... it's ambiguous ) for the money to be credited to my account. She did not have great English skill, and went for long pauses ( 30-seconds plus ) without saying anything. 
8 ) I contacted them again on XX/XX/XXXX and still have not received any kind of meaningful assistance.
Consumer complaint received 2019-02-07
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 — Investigation took more than 30 days
Company: SLM CORPORATION (IN)

On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from XXXX  to dig further into why I may have not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from XXXX  on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Consumer complaint received 2019-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Institution : Wells Fargo Borrower : XXXX XXXX XXXX XXXX Account : XXXX Issues : Wells Fargo making it diffiduclt to pay off HELOC, Violation of Loan Agreement limiting our ability to pay off loan. Refusal to Comply with 11 Requets for Estoppel Information. Neglegence, BSA Compliance Fraud and Technical Default of Loan Terms We have filed a complaint with CFPB in the past and Wells responses were based on lies, fraud, deceit and did not answer the questions demanded of them. Complete Loan Payment History took 6 months to provide and we question the loan repayment, interest and untimely payment of Escrowed Taxes & Insurance causing us to receive a cancellation of Insurance for non repayment. This bank is horrible and we have caught them in lies. They refuse to allow us to wire transfer loan payments causing us to go to branches. This is direct violation of Loan Agreement as Wells tries to impose internal policy that is not addressed in the original loan agreement. We finally received a pay off letter dated XX/XX/19 and received on XX/XX/19. Letter details after XX/XX/XXXX cut off the interest is charged differently. How oxymoronic is that? In reality it is another way for Wells to gain more interest on loans. WE DEMAND A COMPLETE AUDIT AND EXAMINATION BY CFPB, HUD, OCC AND FDIC.
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I have hired an attorney to try to resolve my student loan matter and get me on a payment plan. 
I was dealing with XXXX XXXX at Professional Bureau of Collections of Maryland Incorporated. I  have repeatedly tried to submit my pay stubs and the requested documents. The collection company does not call me back and has not processed my request to get onto a payment plan. I have been trying to repay this loan since XX/XX/2018. The collection company just intercepted my tax return and continues to NOT call me back to deal with the balance of my account. Meanwhile my interest and penalties continue to accrue. Professional Bureau of Collections of Maryland is purposely NOT communicating with me so the fees and interest go up. I am unclear what I can do at this stage. I would like a balance owed and I would like to pay it.
Consumer complaint received 2023-05-20
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: NAVY FEDERAL CREDIT UNION (IL)

on XX/XX/2023 I requested to opt out of NFCU Credit reporting which is completely in the legal boundaries and holds legal validity per 12 CFR 1016. NFCU ignored my request completely and continued to report adverse actions on my consumer credit file although navy federal made it very clear to me that I did not owe navy federal anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for navy federal and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.
Consumer complaint received 2023-02-22
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: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-28
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. (NJ)

In accordance with the fair credit reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

My XXXX career was exclusively funded by student loans. I was never counseled with regards to the number of loans I was taking, career choices, and possible earning potential. When I graduated, I deferred those loans until I got settled into a job and decided what my next steps were. I eventually decided to pursue a XXXX XXXX Degree in XXXX. On top of having to take some additional XXXX coursework, my XXXXXXXX XXXX was also funded by loans. I eventually got a XXXX job in an urban district where I thought, after 5 years, I would have {$17.00} of my {$130000.00} loan balance forgiven. Well- I was wrong. I had consolidated some of my loans, and that. in conjunction with the dates, some of my loans had been taken out, made me ineligible for student loan forgiveness. To add insult to injury, I have since been laid off from XXXX, and found other work, but have been deferring my loans. My husband makes a decent living but will no contribute towards my student loans. Yet his income disqualifies me for the option of an income-based repayment plan and my minimum payment works out to be over {$900.00} per month, which with XXXX kids, and numerous expenses I can't afford. At this rate, the interest accrues, I continue to defer and have no idea how I will ever get out from under all of this debt and start saving for my own kids future.
Consumer complaint received 2019-02-07
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. (FL)

This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I was injured in an accident in 2016 and went to the hospital. I didn't have my insurance card on me at the time so originally the hospital didn't get insurance information. However, I gave it to them immediately after. Somehow, Wakefield and Associates was given my information immediately after that accident and before I got my insurance information filed. I told them in writing on their website when they sent a letter asking me to explain the event. I wasn't sure why a debt collector was aent my info so immediately ( within a week ) or why they needed an explanation of the case, but still sent it. They should have updated the debt to not existing since I paid the hospital and they never wrote back telling me anything after my insurance paid. Instead, they started calling me every single day from numerous phone numbers and have not stopped since then. I have blocked over 10 numbers associated to this company and they still call daily from at least 3 phone numbers. They are complete scam artists. Stop calling me!!
Consumer complaint received 2019-02-07
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. (CT)

From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXX ) creditor told me I am right but still refuses to remove late pays.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get XXXX   XXXX ) creditor told me I am right but still refuses to remove late pays.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services (CT)

From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on active duty loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXXXXXX ) creditor told me I am right but still refuses to remove late pays.