davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

have been paying loans since XX/XX/XXXX was late 30 days due to XXXX transferring the loans to Nelnet. Once contacted Nelnet and set up auto deduct for $ XXXX month on a payment due of $ XXXX/month which is taken ever XX/XX/XXXX of the month. never received 1 monthly statement only get a letter from XXXX that my payment is being deducted. get a YE interest statement but no other communication. Called to see when my loans should be done since I have paid extra each month and it has been more than 10yrs. My total loans were {$19000.00} ( 6 % interest ) when I started. They are saying it is in default and I still owe over {$21000.00}! I asked where all the $ I paid went and they told me it went to collections/default fees. I was never told it is in collections/default etc. no letters, calls, nothing! lived at the same address for 17 years. my credit report says they are closed and the balance owed is {$0.00}. called my school and they said that my loans show a green status. my tax refunds have never been held for non-payment nor has my paycheck been garnished. Do not know what to do.
Consumer complaint received 2018-04-11
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. (VA)

contacted transunion regarding inaccurate information regaring a supposed public record. i possess no public record or bankrutpcy. the information upon conclusion stated " verified as accurate '' i contacted the source and was told other wise. they provided no information, nor was i provided tangible proof. the specious info must be removed. i contacted customer service and was advised to contact the CFPB
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2018-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (OR)

Issue 1 ) Property damage sustained on or aboutXX/XX/XXXX. Claim filed with homeowners ' insurance onXX/XX/XXXX. Insurance adjuster inspected damage and filed a report with the insurance company. Check for {$17000.00} received on or aboutXX/XX/XXXX. Check endorsed by homeowner and sent certified with return receipt to mortgage company along with insurance company 's estimate. Estimate of {$6000.00} obtained from plumberXX/XX/XXXX and sent to mortgage loss draft department. Check made out to plumber and homeowner for 50 % / {$3000.00} given to plumber on XX/XX/XXXX. Plumber work completed onXX/XX/XXXX County inspector approved plumbing work onXX/XX/XXXX. Final plumber invoice for {$3000.00} and county inspector approval sent to mortgage company on XX/XX/XXXX Acknowledgement received XX/XX/XXXX from mortgage company of receipt of plumber final invoice and county inspector approval and informed by email from mortgage company that a inspector for the mortgage company would be contacting us in 72 hours to schedule an inspection of the plumber 's work and to contact the mortgage company if we were not contacted during that time. As ofXX/XX/XXXX we were not contacted in the 72 hour time by any inspector. OnXX/XX/XXXXcontacted the mortgage company that we had not been contacted by a inspector. On XX/XX/XXXX we received an email stating that ; " We regret to inform you of the continued delay in regards to your property inspection. Our inspection administrators are experiencing difficulty assigning an inspector in your area. Alternate vendors associated with your zip code have been contacted. We will provide you with an update as quickly as possible. '' On XX/XX/XXXX received an email from mortgage company asking ; " can you get me something in writing from the contractor to show what they have completed and I will look into issuing you the next disbursement? '' This email was forwarded to the plumber asking him to please respond to the mortgage company request.

Issue 2 ) Regarding the above insurance claim estimate ; according to the estimate on page 4 under General Items, number 1, Dumpster 10 yard for {$440.00} is part of the insurance check issued. The {$440.00} should be issued to us as we paid {$280.00} for the 10 yard dumpster described in the estimate. There will be rental charged for this dumpster, so we are entitled to the full {$440.00}.

Issue 3 ) Regarding this same claim for the repair of damaged floors and insulation which has been estimated by a restoration company and that estimate forwarded to the mortgage company.
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (UT)

I had a lease that was supposed to end in XX/XX/XXXX. I took the car back to the dealership on XX/XX/XXXX, returned the car and entered a new lease with the same company. Was advised older car was paid off, and no future payments would be withdrawn. I received an email stating that a payment will be withdrawn on that account on XX/XX/XXXX. Not sure how they can do this when the account balance is XXXX. They say it is because I am still in autopay. How can I be in autopay when the balance is XXXX?
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (MA)

On about XX/XX/XXXX and XX/XX/XXXX, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/XXXX - Reference Trace Number : XXXX {$10000.00} on XX/XX/XXXX - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX and XXXX both " supervisors '' in their personal loan department several times to no avail. While they have been polite and have acknowledged the frustration surrounding this matter, both on their part and mine. They seem to be struggling to get answers on their end! 
I just spoke to XXXX again yesterday AND once again informed me that he is still waiting for another department within AMEX to " manually apply '' these funds against the balance on my account. He once again shared his frustration over the fact that this still had not been done despite my repeated called and entreaties to him and AMEX. He has told me that he has elevated this matter in terms of importance BUT still no resolution. I am unable to speak to anyone else within AMEX to obtain a resolution. I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have requested validation of the late payments for my student loans with XXXX and XXXX XXXX XXXX XXXX on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (CA)

About XXXX lost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes. 
1. XXXX XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit. 
XXXX XXXX XXXX  XX/XX/XXXX is not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX  XXXX XXXX XXXX. for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know
Consumer complaint received 2018-04-10
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. (KY)

I have been in constant contact with Transunion to address this problem and they are not cooperating. I have 19 hard inquiries on my account and they do not belong to me. 

I have THREE on my XXXX report, so how can that even be right? I have told them numerous times they do not belong to me, and that I've put a fraud alert on my account and they still refuse to delete them, at this point I feel as if they are allowing fraud to take place on account, and are not concerned about it, which is now affecting my credit.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I set up auto pay on Capital One 's website in XX/XX/2017. The auto-pay did not work due to a technical error on their end and I now have a 90 day late reporting. I have contacted Capital One and made a reasonable case, but Capital One is reacting unreasonably refusing to remove the lates from my report.
Consumer complaint received 2018-04-10
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: Law Offices of Robert J. Colclough, III (IA)

I have never ordered any product from this company, I have never lived at any address in which it was sent, and it is included in my police report detailing the fraud that has occurred. Please review the attached documentation ( ACCOUNT EIGHT ).
Consumer complaint received 2018-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blackhawk Network Holdings Inc. (CA)

This complaint is against XXXX XXXX XXXX XXXX XXXX. This company sells a money transfer instrument called XXXX XXXX, which can be used to add money in retail stores, and later to transfer money to general-purpose prepaid cards.

On XX/XX/XXXX, I used a XXXX XXXX ( see Exhibit A & B ) with stored value of {$500.00}, and requested it to be transferred to my XXXX  prepaid card. The company told me the transfer is successful ( see Exhibit C ). However, the {$500.00} has not been added to my XXXX prepaid card ( see Exhibit D ).

Starting XX/XX/XXXX, I have called/emailed the company for several weeks, trying to resolve this issue. They gave a few different incident ids ( the last one being XXXX  ). Each time they insist that transfer is successful, and some random numbers they call it confirmation. However, the XXXX prepaid card denies ever receiving the {$500.00} deposit on or after XX/XX/XXXX.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX  has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX IL. XXXX. Reference # XXXX
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (VA)

I have received a letter from " Linebarger Goggan Blair & Sampson, LLP Attorneys at Law '' repeatedly over the past year. It claims that I have the amount of {$87.00} due to " XXXX XXXX XXXX '' with a 6 year old license plate from Florida. 

It claims " Our law firm previously sent to you a letter regarding your debt with XXXX XXXX XXXX ( XXXX ) for unpaid tolls and related fees in the amount of {$12.00}. You have failed to respond to our correspondence and we are assuming that this debt is valid. 
According to the XXXX, you have an additional outstanding debt in the amount of {$75.00} for unpaid tolls and related fees. Unless, within thirty days after your receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt to be valid. If, within thirty days after your receipt of this notice, you notify us, in writing, that the debt or any portion thereof is disputed, we will obtain verification of the debt or a copy of a judgement, if any, and mail it to you. If the original creditor is different from the creditor named above, then upon your written request within thirty days after your receipt of this notice, we will provide you with the name and address of the original creditor. 

Payment can be made by credit card by logging on to XXXX   ... ... '' This company is a scam. I contacted the REAL XXXX XXXX XXXX  at their REAL website and they have NO record of me owing money on a missed toll. I have the XXXX in my vehicle and have never not paid a toll. 

The amount of mail that I receive from this SCAM is insane. I get a letter once a week. If you look up the " Linebarger Goggan Blair & Sampson scam '' you will get all the information you need!
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  Midland still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

PURCHASED NEW VEHICLE FROM XXXX XXXX FINANCED THRU BANK OF AMERICA. MADE ON TIME PAYMENTS FOR 6 MONTHS OVER {$1300.00} A MONTH WITH XXXX XXXX  STATEMENTS TO PROVE IT. THERE WAS AN ATTEMPT TO REMOVE THE LIEN FROM THE TITLE 3RD PARTY FRAUD. BANK OF AMERICA CLOSED MY LOAN IN GOOD STANDING SENT IT FOR CHARGE OFF COLLECTION AND REPOSSESSED THE VEHICLE EVEN WITH THE LOAN BEING CURRENT.
Consumer complaint received 2018-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hi there, This issue is one Coinbase 's priority issues ( delayed payments ). When I changed my phone number associated with my Coinbase account in XX/XX/XXXX, my pending transactions to buy Ethereum and Bitcoin got cancelled. I did not receive the cryptocurrency, and I did not receive a refund. I was supposed to receive my refund for two transactions that have been cancelled within 3-4 business days according to the E-mail I received, but after > 3 months, I have not received anything.

The transactions that were cancelled were : - OnXX/XX/XXXX, I ordered XXXX   BTC for {$500.00} USD.

- On XX/XX/XXXX, I ordered XXXX ETH for {$500.00} USD.

These transactions have taken money from my bank account, but has not yet been refunded. I have emailed Coinbase Customer support many times, and I have yet to receive any help. I was told a " specialist '' would be looking into it months ago, but I have been emailing them since about it, with no response.

Thanks!
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I graduated with a XXXX 's in 2012. How the school handled the financial aid in the first place is another story. However, I graduated with a substantial amount of debt. Since graduating, I have been on an IBR. I believe I went into forbearance 2 times. I do not miss payments and often pay more than the minimum due. However, I have noticed that my total student loan balance continues to increase by about {$300.00} every month. I have been told it was interest- which is why I try to pay more than the minimum when I am able. If I go in and assign how a payment is allocated, the payments automatically generated are less than half of the balance that increases each month. I now owe a few grand more than when I graduated 6 years ago despite being on good terms the entire time. I see this on my credit report and it's very daunting being a single mother with XXXX kids and still sinking every month despite paying more than what is asked of you.
Consumer complaint received 2018-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I pay student loans to American Education Services located at this address : ( American Education Services, XXXX. XXXX XXXX, XXXX, PA XXXX ). They bought my loan from another company. I am supposed to have a fixed interest rate at 4.5 % ( so long as I am enrolled in auto pay which I was - and never took myself out of it ). They took me out of it and increased my rate to 4.75 %. I called in early XXXX and the man claimed they did this because I re-enrolled in school and the government automatically puts me on deferment so they took me out of all this. 1. ) I paid cash to go to school so they did not need this info 2. ) they never once contacted me about this, just changed everything without my permission 3. ) promised to change it back, it still has not been changed. I called back in mid XXXX asking about this and they did not do anything, even after promising to do so. 4. ) In the past, I received verbal promises from this company to not change my account without contacting me first, they continue to do so. 

Last year, XX/XX/XXXX, the company went on my account and changed the amount I previously asked them about. They just changed it, no verbal or email from me, they took initiative and lowered my monthly payments ( I pay ahead so I can eliminate debt ). The company claimed, on numerous occasions that extra payments go to debt so I pay extra. It took me two months to fix this. 

I have gone through XXXX but nothing has been resolved, they simply contact the XXXX saying it's under review. For two straight months? 

I have attached letters they have sent me. They originally also sent letters in early XXXX, I've noticed they are no long in my inbox but I have hard copies at home. I have called around 1/8 and additionally in mid XXXX as well. Both people I talked to assured me everything would be fixed and it still is not.