davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

After speaking with Navient on XX/XX/XXXX after several times, I am disappointed in their lack of helpfulness in allowing me to make student loan payments, but instead I am having to continue using forbearance due to my inability to make payments in the amount of {$350.00} that the company has set forth. 

On XX/XX/XXXX, I sent an email to XXXX which stated below : " Dear Navient, I am writing in regards to my upcoming student loan repayment. After months of going over my finances ( budgeting, reductions, etc ) and reviewing my current household dues from mortgage and utilities to childcare expenses, I am still unable to afford the payment of {$350.00} that Navient has set. The amount that would be most affordable to me is {$150.00} at best. 

I am asking Navient to meet this request on me and my family 's behalf to ensure that I am able to pay my student loans on time and in the affordable amount as to avoid delinquency or default. 

I ask that please strongly take this request into consideration. 

Sincerely, { name } '' The letter above was written to explain my current financial situation and the amount that is affordable to me. Navient called me on XX/XX/XXXX and left a voicemail to call back which I hoped would be for us to work out an affordable payment plan. I returned the call and spoke with Navient on XX/XX/XXXX to see about options of lowering my payment plan that was due on XX/XX/XXXX. During our discussion, Navient told me that I should be able to make the payment they have put in place in the amount of {$350.00} due to my household income, although they are not fully aware of our financial circumstance or other obligations. 

They let me know that there was nothing that they could do to help me lower my payments and that the only option was to pay or use up more forbearance. I had 7 months of forbearance left. My goal was to not use forbearance unless my family stumbled across hard times in which it would truly be needed ; instead I wanted to make payments to Navient in an affordable amount. 

Since telling me that I am unable to lower and make those payments, I am now using 3 of those 7 months of forbearance and I am set to start back making payments on XX/XX/XXXX. I am at a lost for what to do here now but it seems that Navient is not concerned with helping borrowers make affordable payment plans as they proclaim, but instead command us to abide by what they believe is affordable according to their standards.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Numerous times I have contacted the XXXX XXXX XXXX and Transunion regarding an open delinquent account showing on my credit report. The balance is incorrect which states that I owe {$170.00} but the actual amount that I owed was {$33.00}. I requested proof from the company and finally received it this year although I paid the bill in XX/XX/2016 ; therefore I have a {$0.00} balance and never was it {$170.00} debt. I still see the incorrect amount listed on my credit report and as an opened account.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

*****I opened a support ticket with Coinbase.com on XXXX XXXX with the following message:"On XXXX XXXX, I made three purchases for 22 litecoins, using the coinbase mobile app. For each purchase, I was prompted with a successful purchase complete prompt.Subsequently, I received 3 emails, one for a successful purchase and 2 stating that my purchase could not be made.My last purchase that went through and is still in a "pending" state, not "cancelled" state, has not been processed, and the transaction has exceeded the expected clearing time of XXXX XXXX.With that in mind, this is putting me in a very bad hedge position, as I can't sell those coins as I wanted to.I'm not sure what kind of hoopla is going on over there, but if those coins don't clear in the next day or so, then I'm going to reach out directly to your regulator, the CFTC and let them know that you're not abiding to contractual agreements, which your data repository will evidence and prove.If you take this seriously, then please call me immediately at (XXXX)XXXX-XXXXAll the best,XXXX"*****To which I received the following response back from Coinbase on XXXX XXXX:"Hello XXXX,I really do apologize about the delayed response. We are swamped. Pertaining to the pending transaction I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.Thank you for your patience."*****I have not received a reply back, after 3 weeks. If you ask me this is a lawsuit. Please escalate this issue, as this company is involved in illegal practices by way of not fulfilling orders and not allowing users to verify identification, which causes them to pay exorbitant amounts of fees.Please shut this company down. I wish I would have known that this is how they treat customers and scam them.
Consumer complaint received 2018-01-04
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)

I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  possible.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
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 2018-01-05
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. (IL)

I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but equifax and XXXX will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!
Consumer complaint received 2018-02-13
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 (CA)

I made purchases using American Expresses Blue for Business card. The marketing and online user interface communicate the option to use rewards points to make payments on " eligible purchases ''. Throughout my three year history, I attempted to " Use Points for Charges '' on their online system and received various restrictions and denies to use this advertised service. The system reported, various statements like : " There are no eligible charges for the time period you selected ''. Other times, the system said " The service is currently unavailable we're sorry for any inconvenience ''. 
When I called customer service to ask them to apply some of my available rewards points to my current remaining balance of {$13.00}, they said, " There are no eligible purchases to use points ''. They said this remaining balance is based on interest charges and you can't use points to make payments on this type of " charge ''. They chose to not retroactively adjust my account based on my previously paid eligible charges during my previous attempts to use the points for payments on the charge. 
They claimed no responsibility for the failed system online during the periods when the system should have allowed me to make payments using my existing rewards points. They showed no effort or acknowledgement that their system repeatedly failed to honor their rewards agreement. 

Additionally, when they market to the public : " Use Points to Make Payments '' they mislead them by not providing conditions of use statements with their advertisement. Within the terms they make clarifying comments like, " eligible purchases ''. In real life, their online system makes repeated failures during the appropriate condition for utilizing rewards for " eligible purchases ''. And, they communicate no intent to correct for system failures. 

Instead of honoring their agreement and acknowledging my past eligible purchases and attempts to use my rewards to make payments on my balance ; they denied responsibility for their online system performance and failed to honor the agreement of their terms. 

System logs will show when users experience error problems while logged in their account ; so, they are able to verify my actions. They showed no effort in attempting to consider my previous action and to make right on their terms of our agreement. This company blatantly misleads people to believe their " Charge '' is the same as their " Charges '' for " Eligible Purchases ''. This bait and switch tactic is unethical and not a fair business practice.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be possible.
Consumer complaint received 2018-01-05
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. (OH)

I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus.

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of XXXX XXXX and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against Equifax.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Date : XXXX XXXX2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX is not my address or has ever been any address of mines. Please provide document proof to me or Remove/Delete
Consumer complaint received 2018-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MN)

I was approved a loan in the amount of {$600.00}. I chose the 1 yr option. I was led to beleive the outrageous interest rate was on the annual interest rate. However, i recently contacted them to find out how much I needed to pay the loan off. And I was told I owe XXXX to pay this loan off. What??? I have already paid almost 2k for a XXXX loan. This is highway robbery at it 's finest. I told them that the amount of interest is illegal in the state I applied and received the loan in. 
They said they are a tribal lender, therefore immune to state and federal law. This is so wrong. They should be held accountable just like any other business that operates within the US. Or keep it inside their reservation. Also they need to be upfront and clear about the interest rates. I was led to neleive the interest rate was annual. But to my surprise, it 's on a daily. How is that legal. I checked and the first 6 payments was entirely interest. This was not what I signed up for. They are crooks.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to request the removal and blocking of specific unauthorized credit inquiries on my XXXX report, which I believe are linked to the XXXX XXXXXXXX data breach. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) to have fraudulent inquiries blocked and deleted from my credit report, as they did not originate from any action on my part. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I received a notice in the mail from a company called Credence who is a debt collector claiming that I owe XXXX XXXX XXXX XXXX {$180.00} WHAT?? I don't owe anything. I contacted this company in an attempt to straighten it out, they wanted my to give them personal information. I don't owe them anything.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX, XXXX Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Wrong : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I deposited my paycheck from my employer, XXXX XXXX XXXX XXXX, into my checking account. This check was for roughly the same amount ( +/- {$200.00} ) and deposited at roughly the same time ( +/- a week ) as all other checks from that entity received each month over the past 2 years. At some point, Bank of America decided to put a hold on that check, holding it until XX/XX/XXXX, without informing me of why. On XX/XX/XXXX, my landlord cashed my rent check, dated XX/XX/XXXX, which caused my account to overdraw by almost {$1000.00} due to Bank of America not making my paycheck available to me. I was assessed an overdraft fee of {$35.00}. On XX/XX/XXXX, I discovered my check had been returned anyway, and that overdraft fee became a " return fee. '' As per my lease, my apartment will be assessing me a returned check fee as well, and a late rent fee. 

During a call with customer service on XX/XX/XXXX at roughly XXXX XXXX   PST, I was repeatedly informed that they had no authority to release my paycheck and make the funds available. After threatening to report them to the CFPB, Bank of America released my paycheck on XX/XX/XXXX, but refused to overturn the returned check fee, and would offer me nothing to make me whole for the fees that my apartment is assessing me due to Bank of America 's activities. 

In their initial insistence that they had no authority to release my held check, and then their subsequent releasing of said check after I threatened to report them, Bank of America has demonstrated the arbitrary nature of their check-holding process. It is in their best interests to withhold customer deposits and collect the associated fees. This is similar to the XX/XX/XXXX class-action lawsuit alleging abuses of their overdraft fee system, which was settled in a XXXX XXXX federal court for XXXX XXXX.