davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (CA)

I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs TransUnion, XXXX and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas XXXX XXXX XXXX Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.
Consumer complaint received 2018-02-27
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. (TX)

Complaint # 1 : Per both my wife and my letter datedXX/XX/XXXX attached I wrote to give how I observed that TransUnion and XXXX bureau when posting those things that cause score to go down are posted without delay ( i.e., hard inquiry posted same day or within days ).

Complaint # 2 : Parity is needed between posting good credit vs. negative ; per our letter attached I pointed out to bureau that I had one late payment during XX/XX/XXXX on my XXXX account and my score was drastically drop by 100+ points in a matter of 30 days or less but subsequently upon bringing it current now both XXXX and XXXX has not resulted in any corresponding score increase upward. And upon reducing my utilization debt percentage I only saw a 30 point increase in score as oppose to 100 points to return my score back in the 700 range where it originally was at before any of the negative issues ( i.e., late payment or high utilization ) surfaced. Again the attached letter provides all of the specific details not listed here. 

Complaint # 3 : Often times get a system error message when trying to file dispute on either bureau ...
Consumer complaint received 2018-02-02
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. (TX)

I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (CA)

I am receiving conti8nuous phone calls from a company trying to coolloect a debt from XXXX which I do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to taike legal action, sue me, or have me arrested. They have also reported it to my credit under ABR Recovery Services as a collection account being opened in XXXX, resultng i8n a drop in my crdit score and other creditors reducng my credit lines. I have disputed ths on my XXXX report.
Consumer complaint received 2018-02-02
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. (WA)

I do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you please help me?
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HANCOCK WHITNEY BANK (FL)

On XX/XX/XXXX I opened Access Checking Account # XXXX ( last four ) with XXXX XXXXXXXX XXXX at the XXXX, Florida Branch. I presented " Checking & Savings Promo Code '' XXXX in person. The teller confirmed I was eligible for this promotion and assigned it to my account. Please see attached email " Checking Code.PDF ''. 

I completed all requirements of said offer : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX. The promo code is required at account opening. This offer is non-transferable and can not be combined with any other offers, and valid only for the person residing at the address the offer was mailed to. Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. Eligible purchases include those with either a signature or PIN, excludes Online Bill Pay and ATM withdrawals. '' These steps were completed on XX/XX/XXXX ( please see STATEMENT.pdf ). For these steps, I made five purchases of groceries at XXXX. 

The terms state I should receive {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX XXXX 's customer service line and spoke with " XXXX '' ( I retain a recording of this conversation ), in which XXXX spoke with the promotion team and confirmed I am to receive the {$300.00} by XX/XX/XXXX, however no ticket is able to be made until the bank has violated its terms of the agreement on XX/XX/XXXX. 

XXXX XXXX then failed to provide me the {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at I continued to not have the funding and I called XXXX XXXX customer service. I spoke with XXXX ( or XXXX? difficult to hear on recording ) ( I maintain a recording of this conversation ). She stated, " They did indicate that you were supposed to receive that by yesterday, they sent an email over to see what was going on with it. We're just waiting on a replay on that email to find out what's going on with the gift card promotion that you were supposed to have deposited into your account. '' XXXX XXXX has not given me the funds owed as of today XX/XX/XXXX ( see current account status.pdf ) and I request the CFPB 's assistance in communicating further with XXXX XXXX regarding the funds owed to me.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southern Credit Recovery, Inc. (LA)

I have several different inquires that I applied for that called for running my credit report. Which is all under hard inquires under my report. I don't mean just a few, I mean some 10 different inquires. Also, some that are absolutely false. That I know for a fact didn't inquire about. Also there's a few address under my name that I have never lived at. Then a couple reports with my fathers name on the report as well.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Personal Statement : MY WALLET WAS STOLEN BACK XX/XX/2010, I HAVE ALREADY TRIED CALLING ALL 3 CREDIT BUREAUS SEVERAL TIMES, SENT IN POLICE REPORT, AND RECEIVED NO HELP. I CONTACTED THE POLICE AT THE TIME IT HAPPENED AND WAS TOLD THERE WAS NOTHING THEY COULD DO SINCE I DO NOT HAVE THE NAME OF THE PERSONS RESPONSIBLE. I HAVE CONTACTED THE COMPANIES PERSONALLY FOR ALL THE INQUIRIES ON MY CREDIT REPORT ANS ALSO NO HELP. I HAVE DONE MANY THINGS TO TRY AND CORRECT THE MISINFORMATION ON MY CREDIT REPORT, AND ALL THE INQUIRIES ON MY REPORT. THIS IS VERY STRESSFUL AND HAS CAUSED A STRAIN ON MY FUTURE FINANCING ALL BEACAUSE SOMEONE STOLE MY IDENTIY. IT'S HENDERING ME FROM PURCHASING A HOME AND I HAD TO GET MY MOM TO HELP ME FINANCE A CAR. PLEASE HELP ME CLEAR THIS MATTER UP IF YOU CAN THANK YOU.
Consumer complaint received 2018-02-02
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. (FL)

I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX  XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (VA)

I requested a funds transfer from Amex bank to XXXX XXXX XXXX XXXX on XX/XX/XXXX to be available on XX/XX/XXXX. The funds were not transferred till XX/XX/XXXX. I was charged {$12.00} by XXXX XXXX XXXX for insufficient funds.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo continues to be non-responsive to repeated errors with simple mortgage loan recast. Received invoice for statement date XX/XX/2018 and payment date due of XX/XX/2018 with incorrect principal amount and incorrect total amount due. Amount due reflects previous mortgage amount and not recast amount and principal balance is wrong, failing to account for large balloon payment made on XX/XX/2018. It is truly astonishing how inept this organization is. I have never encountered such a lack of coordination and a lack of accountability. You should run from this organization.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NY)

This company I mail my payment to ansd they take almost 2 weeks to actually cash my payments. Constantly charging late fees. My bank XXXX XXXX XXXX notified me of this process. When it is late I pay a late fee with it however it does not take 2 weeks to post a payment.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OK)

I sent a wire transfer on XX/XX/XXXX from my bank to : CoinbaseCoinbase, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX Fl XXXX XXXX, NY XXXX XXXX. 

After sending the transfer, I noticed that it said to send with personal name and not a business name. The bank was not sure if they sent it with my personal name or business name but finally decided that they sent it using my personal name, which should of been correct. I sent an email to Coinbase to clarify the issue and make sure that if it was sent in my name that it shouldnt be a problem to deposit into my account. If it was in my business name, to just cancel and send back to my bank. I received an email finally on XX/XX/XXXX with a case number and the standard they are working on it. The case number is # XXXX. I responded letting them know to please cancel the transfer and just send back to my bank. I have not heard back from them in 2 weeks. I just want the transfer canceled on their end and sent back to my bank.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reported an inaccurate account being reported on my credit report. I started an investigation with TransUnion to remove it off of my credit report. It's been 32 days as of today and they still haven't ended the investigation on it. they have violated FCRA 15 U.S. Code 1681i.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (TX)

I am a resident of Texas traveling abroad. In XX/XX/XXXX, before I left town with my wife for a 6-month stay in XXXX, I filled out a form to add her to my Charles Schwab account so that she could have a debit card in her name. A few weeks later, Schwab froze the account because they said they could not verify that my wife was a US resident. My wife has a US passport and has resided in the United States continuously since she was XXXX years old. Over the phone, they asked my wife if she was living in XXXX and when she told them yes, meaning that XXXX is currently where she is staying. When she later attempted to clarify that she is not a resident of XXXX and is only in XXXX temporarily, they claimed that was not what she said over the phone and refused to unfreeze the account. They have also frozen an attached brokerage account. The total value of the two accounts is more than {$80000.00}. I offered to furnish Schwab with numerous pieces of proof that my wife is a US resident, including utility bills with her name on them, but they refused to accept any form of proof, claiming that her statement to them was evidence that she is not a US resident. They also will not remove her name from the account and will not transfer the account funds to any other account unless it has both of our names on it. I now face the task of having to open a new account with a different brokerage company while I am overseas if I want access to my equities. That has caused me considerable hardship.
Consumer complaint received 2018-02-02
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: EQUIFAX, INC. (NY)

Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

The following is a summary of my interactions with Navient, my private student loan lender : On XX/XX/XXXX the sum of {$1600.00} was automatically withdrawn from my account. As a graduate student working part time at a XXXX XXXX, this was an extremely large amount of money that brought my balance well below XXXX. When I contacted Navient, I was informed that I had exhausted all of my options for deferment or forbearance. I was not aware that there was a limit to the amount of deferments or forbearances available for private student loans. I asked to be put on a repayment plan. 

On XX/XX/XXXX, I spoke with a represenatative and a member of the management team. After several conversations they had with me, as well as my father and mother, reviewing details of our financial situation, they offered to put us on a repayment reduction plan with the repayment amount of {$810.00}. This was still an extremely high amount for me and my parents, who are both retired. But since they assured us that this amount was the lowest they could offer and since it was significantly lower than the full, original amount, we agreed. The contract was for a year, after which, our financial situation would be reviewed once again. We hoped that if we kept making payments for a year, without hassle, we would be rewarded with a chance to renew our contract with a lower monthly payment. At that time my parents had ample savings. 

However, early last year, around XXXX of XXXX, my uncle decided to sue my father over an inheritance dispute. This lawsuit has cost him nearly {$60000.00} - so far, since it is still on-going. The savings is being drained, nearly gone. They can not afford to help me with my student loans. 

On XX/XX/XXXX, I was given notice that my repayment reduction plan would expire in XXXX. I called Navient on XX/XX/XXXX and XXXX and asked for the plan to be extended. I had to provide details overviewing my financial situation. ( I am employed hourly, making an average of {$1000.00} a month, my rent and bills not including food or day-to-day expenses total about {$500.00} a month. ) So did my father, who explained his legal as well as financial situation. ( My father and mother have a combined income of roughly {$2000.00} from social security. ) At first, we were offerred a repayment of {$850.00}. After much protest, that amount was lowered to {$780.00}, starting in XXXX, but that was as low as they would go. I called again on XX/XX/XXXX to make sure but still the amount wouldn't budge. 

Furthermore, the amount of my total payment due listed on the home page of my online account fluctuates a great deal, sometimes as low as {$650.00}. However, since we agreed to the fixed payment amount of {$780.00} ( currently still {$810.00} ) that's the amount that gets withdrawn from my account each month, no matter what I owe. 

I don't understand why payments can't be lowered. We are willing to pay but we simply can't afford that much.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

Nelnet services the bulk of my federal student loans. This company has been allocating my loans in ways contrary to what is listed in my monthly statements and payment schedule for the entire time I've had the loans. When I contacted them, which I have to do every month because the auto payments just happened to be allocated towards my lowest interest loans to have it adjusted to match what is in my payment schedule, they tell me that they have to put in a special payment request to do so, and often, this payment request is not honored and I have to contact them through their chat service to make an additional request to have it fixed. I repeatedly asked for proof that such request was being made and to understand why the payments weren't being allocated as suggested in the monthly statement or payment schedule, both of which are available in my portal, but they said that such requests were not accessible to me and they couldn't share any internal information. This was and is a huge burden to me to attempt to have my loans allocated towards the higher interest groups, or at the very least in the sums as stated in my original payment schedule or even the monthly statements. I repeatedly asked that my loans did not get " advanced due dates '' and almost always clicked the box to not advance due date ( once I figured out what that did ) when I made additional payments, yet, the loans still get out of sync. The secretive and nontransparent loan allocation process is always in Nelnets favor and to my financial detriment. Furthermore, the auto amount withdrawn monthly seems to be reduced at random times without my consent to push out the time frame I'm paying my loans and thus interest to them. I did not consent to this and again, is a non transparent action Nelnet takes that is in their favor and to my disadvantage. I feel like I have no control and that they are not accountable. I've paid on time always and I'm very attentive, which only means I see the re-allocations and have to spend much more of my time than I would like attempting to have it resolved. The lack of transparency and sneaky re-allocation drives me crazy. I don't see why this company should be allowed to profit when taking advantage of student loans in this way. I have documentation of some of my chats to prove that I repeatedly requested the allocations to be fixed because the portal overwrites whatever they've previously done. Again, no transparency.