davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I sent Experian a request to reinvestigate several items on my credit report. 

In response, I received a revised credit report from them, which does not correct the incorrect information for XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX. 

The specific information that is still incorrect on the report dated XX/XX/XXXX and needs to be corrected includes the following : XXXX XXXX XXXX XXXX Recent balance : {$0.00} as of XX/XX/XXXX. The current balance as of XX/XX/XXXX was {$130000.00} ( see attached statement ). 
Under Status, it states that my account was Discharged through Bankruptcy Chapter XXXX. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Status on this credit report. 
The Payment History ends in XX/XX/XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XX/XX/XXXX and I am ahead of schedule in my payments ( see attached statement ). 
Under Account History, it states : Debt included in Chapter 13 Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, XXXX XXXX XXXX XXXX Under Status it states : Petition for Chapter XXXX Bankruptcy. As stated above, I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. This loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Status on this credit report.

It also states under Status that this account is scheduled to continue on record until XX/XX/XXXX. I am not sure why this date is different from the removal date for XXXX XXXX XXXX XXXX, which is listed as XX/XX/XXXX, which is seven years after I filed for bankruptcy. 
Under Account History, it states : Filed Chapter XXXX Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, Under Payment history, the last payment is listed in XX/XX/XXXX. I have made these payments every month on time, with a couple of exceptions, since I filed for bankruptcy on XX/XX/XXXX ( see attached statement ). I made my last payment of {$400.00} on XX/XX/XXXX.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

I have been locked out of my Coinbase account for over 5 weeks now which holds on this day XX/XX/XXXX the equivalent of {$5600.00} worth of Ethereum coins/tokens. That is a lot of money I ca n't access.

The issue first occurred on XX/XX/XXXX when I tried to sign into my account. I received the following error : ''Invalid email or password. Try clicking 'Forgot Password ' if you 're having trouble signing in. '' Now straight away I thought this was very odd as I use a password manager to enter my details. I tried to login a few times more but the same error kept appearing. I eventually requested a password change. Coinbase sent me an email to reset my password which worked with no issues. However, no matter how many times I changed my password the same error still popped up. The email is 100 % the email associated with the account and obviously the password is correct so it is not a fault at my end. I can login to my account via the Coinbase APP but ca n't access my wallets/accounts. Again, I receive an error message. I have tried signing in from another device and different browsers to no avail. I have even asked my friend to try and login for me from his computer. Nothing works. 

Now when I attempt to login I 'm receiving the error message in the title : Sorry, account temporarily disabled. Please contact support.I have contacted support by email and created a ticket ( Case # XXXX ). 

I have also sent them a direct message on XXXX, my only response was via email which seemed to be an automated response which stated ''Due to increased volume it may take several days to receive a response. '' For me this is completely unacceptable customer service. Not being able to access that amount of money particularly over the festive period has caused me a great amount of stress. 

Any help/advice on this matter would be greatly appreciated.
Consumer complaint received 2018-01-07
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. (NJ)

In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their  money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JH Portfolio Debt Equities, LLC (TX)

I have filled fraud on my social security number already and still none of the negative reports are off my report. I 'm looking at this report and it look like it belong to someone else. Some of it simply is n't mine and some is very old and should be off no matter how times it get sold to different collection agencies. For example : XXXX XXXX XXXX on page 11, I 've never heard of, and even from this report it should be off. XXXX XXXX XXXX is at 16 years old and should be off my report.XXXX XXXX # XXXX # XXXX # XXXX I know nothing about and is false, Never heard of XXXX XXXX # XXXX before and should not be on my report, Never heard of XXXX XXXX XXXX # XXXX, and should n't be on my report, have not had an account with XXXX XXXX # XXXX, which is reporting here under the name JH PORTFOLIO DEBT EQUITI. # XXXX XXXX of these things I do not know of and is fraud and should not be there. Some are too old to be there as well. XXXX XXXX XXXX XXXX XXXX # XXXX is false those are false balance owed. I am also requesting the inquiries be taken off my record as well, because I have not applied for credit of any kind from anyone to explain all these inquiries. I have filed identity fraud on my social security number, and had a fraud alert put on my credit. I am amazed at all the false reports on my credit report.
Consumer complaint received 2018-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA ()

Hi, I 'm the co-signer for my brother 's student loan. We received the loan from XXXX, who ultimately handed processing over to American Education Services ( AES ). While XXXX was handling the loan we had no issues. They were very quick to reach out to me by phone whenever a payment was past its due date, and genuinely seemed concerned with us keeping our account in good standing. Once the loan was handed over to AES, however, the experience changed entirely. In short, its quite clear that AES ' main goal is to make it as difficult as possible for borrowers to make payments on time. For example, they stopped XXXX 's practice of calling to alert me of past due balances. Second, they make it extremely difficult to set up auto-pay by a. Requiring the borrower to APPLY for direct debit ( how this makes a shred of sense is absolutely beyond me ) and b. keeping the entire application and signup process entirely through the paper mail. This would have been understandable in the mid 1990s, but there is absolutely zero excuse for doing either of these things as a matter of business practice. It 's simply a thinly-veiled attempt to trip borrowers up, reduce the chances of payments being made on time and therefore increase the chances of collecting higher fees. It 's despicable and it needs to be addressed. Thank you for your consideration of this issue with AES, and I sincerely hope the CFPB is able to force these servicers to conduct business with basic standards of integrity.
Consumer complaint received 2018-01-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Harley Davidson Financial Services Inc (SC)

OnXX/XX/XXXX my XXXX XXXX XXXX XXXX was destroyed in an accident that resulted in my wife suffering a XXXX and 42 days in a XXXX. around XX/XX/XXXX HDFS was provided with the name of the insurance adjuster and claim number and I was told no problem we will take care of it. Shortly thereafter I started getting late payment notices on my credit report and after multiple calls to both HDFS and XXXX nothing happened. InXX/XX/XXXX a tow truck was sent to my house to repo the vehicle that was sent to salvage in XXXX. XXXX finally made a payment on XX/XX/XXXX. 7 months later. They have in writing that it was in part due to HDFS sending them the wrong information that it took so long. Needless to say all HDFS could do was continue to hit my credit report with missed payments as I now sit unable to work because I have to take care of my wife at home 24 hours a day. 

It took the GAP coverage until XX/XX/XXXXto make a payment which still left money due which when I asked I was told it was for interest payments. Which by XX/XX/XXXX that account was paid about 2 years ahead of time. I have asked for a breakdown of all payments received and all charges applied to the account along with dates and amounts sent to XXXX for payment. 

The poor customer service this company and others provided me drove my credit score down from XXXX to XXXX in months, thus when I went to refinance my house to use the XXXX in equity in it to keep all my bills current until I could work again, my score was too low. HDFS and XXXX caused my family great financial harm to the point that I am usually within DAYS of having my house foreclosed on and vehicles repossessed. 

One year to process a simple 100 percent destroyed claim on a motorcycle and I now have statements showing that the about {$800.00} that was left after the insurance companies paid, has now grown over 4,000.00 Additionally I was informed that the motorcycle was sold. I dont know how a vehicle that I was paying for and still getting billed for could be sold without my Knowledge
Consumer complaint received 2018-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (MD)

The original principal amount of the mortgage in XX/XX/XXXX was {$530000.00}, as at XX/XX/XXXX when Statebridge took over, the monthly payment was {$3600.00} and was for the 30 yr term, we were behind on payment for couple of months and the outstanding was added to the principal balance. Statebridge did a loan modification, and extended the term to 40 yrs, so instead of a maturity date of XX/XX/XXXX, it was extended by 13 yrs to XX/XX/XXXX. They gave us a supposed relieve to $ 2604 monthly payment for 5 yrs and then {$3600.00} for the remaining 35 yrs at an higher interest rate, which is a rip off. Also the " the interest rate will reset to rate of the original note is ambiguous and deceiving, because even though the rate at origination of the loan was 5.95, XXXX XXXX had reduced the rate to 4.95. Statebridge made us believe they were helping us with modifying the loan but they actually hurting us on the long run, this is a sharp practice that needs to be investigated, the loan has been sold many times afterwards fro profit at our detriment, now they new service XXXX XXXX was us to start paying {$3600.00} at a rate of 5.95 instead of 4.95 as received by Statebridge for the remaining 35 yrs. If we had understood the implication of what they made us sign we would not have signed their deceptive loan modification in XX/XX/XXXX.
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX sent me a letter stating that I owe for a credit card the credit card has been closed for at least 5 years and now they are sending me letters the debt is for XXXX dollars maybe little less and all they asking is for my money If the card was closed with a {$0.00} balance how did it get to that amount and they call from various places different numbers And they claim a bill was paid from my own personal checking account when the card was closed how can someone take out money from my account and I would not know that dosnt even make sense They are not doing nothing but wanting money from me
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (SC)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (UT)

Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was contacted by Discover card 27 times. I have never been late and have remained within the confines of my credit limit. Finally, on XXXX/XXXX/XXXX, I answered the phone and was told that Discover was worried about my usage and would I get a {$40.00} credit for paying them on the phone before my due date. This is a clear and wanton violation of the FCRA. I am sure you have similar complaints. If this is not addressed, I will file suit against Discover Card and include the United States Department of Justice as an involuntary plaintiff. 

XXXX XXXX
Consumer complaint received 2018-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XXXX XX/XX/XXXX Case # XXXX ( Former case # XXXX I bought 4 tickets to XXXX XXXX ballet as a gift for some children. I thought I was ordering from the University of XXXX box office, but I got mixed up on my cell phone and by mistake I ordered them from XXXX XXXX XXXX XXXX, on XX/XX/XXXX ( XXXX reference number XXXX ). 
I complained about their service fee and was given a small discount of {$43.00}. 
The amount they charged me was {$460.00}. 
I thought that price seemed very high and called the XXXX XXXX XXXX box office and they said the tix should have cost {$170.00}. When I called back to cancel the order at XXXX XXXX XXXX XXXX, they absolutely refused to cancel the order. I called XXXX right away and was told that I couldnt file a claim unless XXXX XXXX XXXX XXXX didnt send me the tickets in time for the performance, to be held on XX/XX/XXXX. 
Fast forward to XX/XX/XXXX. The tickets from XXXX never did arrive and I had to purchase a new set of tickets from the XXXX XXXX XXXX box office for {$170.00}. 
All of this is detailed on my phone call to XXXX when I first made the claim. I think XXXX is an illegal sham. Please help me get my money back. Thank You! 

At this time I was informed by XXXX that it was too late to request a refund!
Consumer complaint received 2018-01-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (IL)

Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, Real Time Solutions, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted Real Time Solutions directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that Real Time Solutions will be penalized for inaccurately reporting my account. 

XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - TrXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to Real Time Solutions XXXX - Email to Real Time Solutions
Consumer complaint received 2018-01-06
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: Experian Information Solutions Inc. (PA)

Wrote Experian a letter, and mailed it on XXXX XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-06
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. (MO)

XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My XXXX XXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get XXXXredit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 



Waiting for a Reply, XXXX XXXX XXXX
Consumer complaint received 2018-01-06
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. (MO)

Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full.

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, XXXX. XXXX XXXX
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NC)

On XXXX XXXX, 2018, Navy Federal Credit Union wrongly approved a XXXX XXXX  transaction transfer from my account to an unknown source. Someone called in pretending to be me and the agent within Navy Federal Credit Union released the funds even though there were multiple red flags that it was not me calling in. The person calling change both phone numbers on the account. They then requested to increase the cash withdraw amount from my account from {$3000.00} to {$4500.00} even though I did n't have that much money even in the account. I was informed by a representative within Navy Federal that that was not even something they were allowed to do. They then approved releasing all the funds from my account except approximately {$150.00} even though I had six pending transactions. The agent within Navy Federal would have been able to see that releasing those funds would cause my account to be overdrawn and they still approved the transfer.

As soon as I caught the error in my account, I contacted Navy Federal and the first representative informed me I could n't do anything until the transaction cleared my account. After speaking with other people, I went down to a Navy Federal branch and spoke to the 
assistant manager and he was able to submit a fraud complaint and try to stop the transaction. If the first agent would have attempted to stop the transaction as the assistant manager did, it 's possible we could have kept the money from being picked up at XXXX XXXX. The assistant manager also informed me that just the month before a similar fraudulent activity with a XXXX XXXX transaction occurred with another Navy Federal member. The next day I submitted the requested fraud complaint forms and was informed by the fraud department that because of the type of fraud it was, they would not be able to release any credits to my new account as I had already requested to close the compromised account. This leaves me with no funds until they complete their investigation. They informed me the investigation could take up to ten business days. 

I feel that under these circumstances and because of the erroneous missteps taken by the agent within Navy Federal, they should have released even a small portion of my funds back to me. I feel this is a misrepresentation of their fraud protection they offer on their bank accounts and that rather than having my best interests in mind, they are only protecting themselves and their agent 's mistakes leaving my family with no money while they investigate these actions.