davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

The problems I have experienced with MoneyGram have  all taken place over the course of the last week to 10 days. The first incident occurred XX/XX/XXXX. On this date I attempted to send my wife the sum of {$300.00} to XXXX XXXX XXXX. The transaction was processed and I was issued a reference number of XXXX. Before my wife was able to get to a location to receive the money it was canceled by MoneyGram. I spoke with a supervisor named XXXX in the companies XXXX call center who remitted the money to me but when asked why the transaction was canceled he was unable or unwilling to give me any information. At this point I did unfortunately become very rude with the individual. On the same date of XX/XX/XXXX a complaint was filed through the companys web site and I was issued as complaint reference number of XXXX. On XX/XX/XXXX I received and email from the companies Resolutions Assurance Department asking for more information on the incident. Unfortunately the phone numbers associated to the email simply routed me back to the XXXX call center who couldnt even find the complaint number. I returned the above noted email on XX/XX/XXXX and spoke with a supervisor named XXXX again in the XXXX call center who was quite rude and unwilling to help in any way. On XX/XX/XXXX I was permitted to send {$100.00} to my wife. On XX/XX/XXXX I attempted to send {$300.00} to my wife again using MoneyGram services as well as the XXXX to XXXX service ( I  found out later that this service is provided through MoneyGram as well ) both transactions were processed ( reference numbers were XXXX and XXXX respectively ) On the same date of XX/XX/XXXX I spoke with a supervisor named XXXX in the companies call center in XXXX and latter a supervisor named XXXX in the same call center. Both were again unwilling or unable to release any information regarding why the transactions were canceled.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

On XXXX XXXX, 2017, I sold {$740.00} of Bitcoin on Coinbase to have the USD amount ( {$710.00} after fees ) deposited into my bank account. Now on XX/XX/XXXX I still have not received the funds and have only received a few different form emails from the company after I contacted them and the webpage says " completed '' next to the transaction. The emails were not helpful and I am unable to get a hold of anyone on the phone ( they actually say they ca n't talk to you about withdraw problems right now ) and am wondering if I have lost this money forever. 

The one thing I wonder is if I selected " wire '' instead of the ACH option, as I believe Coinbase has a XXXX minimum for that. In which case I just want the company to return the funds to my coinbase usd wallet or resubmit a new ACH. Although I had done this once before and had no problems ... I believe I did everything the same way.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Upon the transfer of this mortgage to XXXX, our escrow was doubled due to an accounting error by XXXX. We were in the process of disputing this when XXXX refused to apply any payments towards the mortgage. We stopped paying during dispute but XXXX was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and XXXX attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. Experian and XXXX have both sent in disputes numerous times to XXXX to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! XXXX also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on XXXX part.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Date I sent wire : XXXX XXXX, 2017 Amount sent {$20000.00} Wire transaction # XXXX Fed ID # XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX The told me a few days later it was reversed and sent an email stating so and that I should receive it back in my account with 14 days due to delays. It has been over a month and the money is not in my account.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NH)

I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX at XXXX XXXX I sold XXXX Litecoin valued at {$230.00}. The money supposed to be transferred into my XX/XX/XXXXk account and nothing has gone through yet.
Consumer complaint received 2018-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have had 2 previous occasions where my credit score has dropped within the last 2 month on only my Trans Union report. The first time it dropped exactly 20 points and no reason or justification was given, 2 weeks later the points were partially returned to my score. The second time the score dropped exactly 30 points and again when I inquired to Trans Union and XXXX XXXX I was told there are several factors involved. However no one could define those exact factors and why the sudden drop. While these events occurred all factors remained in moving toward a positive direction and my other reporting agencies increased scores using the same factors. In both events the points were returned a week or two later to my score. 

Then on XXXX my score dropped 43 points with just Trans union, they are still unable to provide any detail or reasoning for this. Just that there are several factors involved ... I ask these factors and they can not provide one. There are no items that have adversely changed on my credit reporting. I have no issues with other reporting companies and my credit scores continue to grow. But I feel there is unethical activity on my personal account with Transunion and not one of my consumers.
Consumer complaint received 2018-01-08
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)

I CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.
Consumer complaint received 2018-01-08
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. (TX)

I CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

In XXXX 2017, I accepted an offer from American Express and received a Gold Delta SkyMiles Credit Card. The offer stated that I would receive XXXX bonus miles after I spent {$1000.00} within the first 3 months, a {$50.00} statement credit after I made a Delta purchase within the first 3 months, and other incentives such as miles per dollars spent, free baggage checking and priority seating. I made the required purchases within the first 2 months. Although I have received the " other '' incentives, I have not yet received the bonus miles or the {$50.00} credit. 
I have called American Express several times this past year and as told by the agents that I should have received the miles and credit, and they would investigate. I have not received any feedback from the company concerning this issue and am resorting to contacting this agency for help.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

I am currently repaying my student loans to XXXX XXXX. I am enrolled in an income based plan and work for a XXXX XXXX. I plan to apply for Public Service Loan Forgiveness ( PSLF ) once I have made 120 on time payments. In XXXX of XXXX my monthly payments were re-calculated, as they typically are annually. At the time I was under the IBR payment plan. My payments went from {$140.00} per month to over {$1000.00}, despite a minor change in my income. At the time I was moving in with my in laws to save money while my husband left for XXXX XXXX XXXX for the XXXX paying over {$1000.00} for only some of my federal loans was out of the question. My servicer informed me that I qualified for the new Revised Pay As You Earn ( RPAYE ) repayment plan, which would further decrease my monthly payment. I happily asked for them to switch my payment plan and I was informed that it could take up to 60 days to process the request. I was told that my account would be placed in an administrative forbearance during the processing time, but that my account would not be considered delinquent during that time. I did not receive a bill for my new RPAYE amount until XXXX XXXX. Unfortunately I was unable to make any payment from XXXX XXXX. This time frame was much longer than the 60 days that I was originally quoted. That is 7 months that I was unable to make qualifying payments towards PSLF, while still working for a qualifying organization. I will now be in debt longer due to the significant time that it took to switch my repayment plan. In addition, I was also required to make 2 monthly payments at {$5.00} each ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) due to my loans being in " administrative forbearance '' for so long. I do n't understand why I was penalized by paying this fee for the company 's error.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX, XXXX I transferred XXXX $ ( two deposits of XXXX , one was as purchase of bitcoins and the other as USD ) from my XXXX XXXX XXXX checking account to Coinbase. The fund was made available to my Coinbase account on XXXX XXXX, XXXX, but I decided to transfer it back to my checking account. I made two transfers from my Coinbase wallet to my bank account. The first one processed, but the second one of XXXX $ was cancelled by their system and supposedly returned as Coinbase fund. As of XXXX, XXXX XXXX, the XXXX $ is neither in my checking account nor available as fund on Coinbase.

I contacted support many times, but the only time I got a reply was a message that had nothing to do with my issue.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc. (KY)

around XX/XX/XXXX i contacted sterling talent solutions about being denied employment with XXXX. they didnt help me with anything and didnt offer to investigate the issue. i wanted them to point me in the right direction of what needed to be done but i was rushed off the phone. they didnt care at all about me being so upset about the problem.
Consumer complaint received 2018-01-09
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: AMERICAN EXPRESS COMPANY (AL)

This letter is to dispute a Atm error on my account in the amount of {$740.00}. The amount is inaccurate because the ATM didnt dispense any funds. The transaction is ATM Withdrawal ( Transaction ID : XXXX ) XXXX/XXXX/17 is the date of the transaction. The amount is {$740.00}. I requested {$740.00} but didnt receive any cash. Please correct this ATM error as soon as possible.
Consumer complaint received 2020-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I was given incorrect information regarding my loan forgiveness and was told that I could receive XXXX  loan forgiveness on my FFEL loans while pursuing public service loan forgiveness on my Direct loans. The loan servicers, fedloan and AES, have BOTH contacted me via email saying that I could pursue both programs concurrently, but I had a 3+ hour phone conversation with three different lenders who told me that I could NOT pursue both concurrently. My initial request was denied because the servicer could not read section 5 of my application, and I left it alone/requested cancellation once I found out that I would mess up my PSLF progress. I received an email on XX/XX/2020 stating that my FFEL loan was in forbearance for review of the TLF application which I did not submit. I was told there was no application in process and I requested that the company stop processing any application. I have yet to receive ANY correspondence on the matter that is relevant besides the irrelevant email answer I received with incorrect information. I am disgusted at the lack of correct guidance that these companies gave me and lack of accountability. When I initially brought up the incorrect email info with fedloan, they simply said " oh, we can send you an email with the correct info ''. No apology, no offer to correct or clarify the process for the future. These companies are out to XXXX over the typical, responsible consumer, and I am appalled at the care I have received. I work very hard in a low paying XXXX  job in a poor area so I can receive some respite for my astronomical amount of loan that I was conned into as a young, naive teenager. The least I could request is that someone actually CARE and be helpful when I ask seemingly simple questions. I wish I could pick another servicer and was not stuck with these robotic, uncaring companies.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (MD)

I opened a XXXX XXXX Account on XXXX XXXX, 2017. The next day my account was restricted due to a notification from Early Warning Services. I contacted them regarding the information that was given to XXXX XXXX. They then drafted a consumer report and was sent to me. I found that the information in the consumer report was not only inaccurate, but financial information was being disclosed between my current bank and Early Warning Services. After question EWS regarding why this information was disclosed, they were unable to answer my question but redirected me to contact the bank. After contacting my bank, they were unable to understand why I was being reported to EWS when I had no fraudulent activity or suspicions on my account ever. I then disputed all information that was given to EWS along with XXXX XXXX XXXX checking my EWS consumer report almost monthly when I do n't have an account with them, nor have I ever applied for a XXXX XXXX XXXX service. Early Warning Services if reporting incorrect information on me from several resources, and has failed to respond to my request regarding these accounts. A dispute was faxed over to the company and they have failed to respond. 
Consumer ID XXXX They failed to provide a reason for the restriction of my account, and failed to tell me why current bank account information is being shared with a 3rd party consumer reporting agency.