davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
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)

XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (WI)

CBE group keeps harrasing a family member at the number given. This family member is not the debtor. The debt is for XXXX XXXX / XXXX XXXX TV, and is disputed. The collector at CBE violated the FDCPA and told the third party family member about the debt ( creditor, amount, and my ssn! ) Please investigate this company. CBE group, XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX website wwwcbegroup.com They call multiple times per day, one of their fake phone numbers is XXXX
Consumer complaint received 2018-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, after discussions with a independent financial advisor, and in pre-planning for retirement in XX/XX/XXXX, I initiated a transfer from XXXX 's ( XXXX ) Company Stock into a XXXX XXXX XXXX XXXX. There were XXXX Shares of Stock to transfer. According to my 401K plan documents, " Before XXXX Eastern-Your transfer will be initiated at today 's closing price ( for all funds EXCEPT THE COMPANY STOCK FUND ) and should settle into your account by XXXX XXXX the following business day. The company stock fund will use an average trade price for all trades placed today and will include trade prices from the following morning if you are transferring funds from a mutual fund to the stock fund. '' The average stock price for the day was {$72.00} ( Pulled from XXXX XXXX using a query and five minute interval data ). However, Wells Fargo chose the {$72.00} as the average trade price amount. ( The minimum price for the entire day, according to XXXX was {$72.00} ) After deducting the stated transaction fee of XXXX per share ( {$730.00} ), and the SEC Fee Section 31 of 57.83. for a total of {$790.00}, this  leaves a discrepancy of {$10000.00}. 

I placed repeated calls, most of which I have documented to Wells Fargo in an attempt to get an explanation of the difference, to no avail. In fact I was stunned at how little the folks on the phone actually knew about the process. ( Which has since been confirmed with another unrelated issue ) They were quite shocked that I had been able to pull the financial data from XXXX and the only attempt at an explanation I received was when they stated " the price comes from selling stock within the 401k plan '' but then they were unable to provide documentation of the transaction as it occurred within the plan, despite repeated attempts. I have since that date retired, ( XX/XX/XXXX ) and until recently did not know that CFPB could assist in manners such as this, which is why I have not submitted my complaint until now.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

Long story. 
Sometime in XX/XX/XXXX, ocwen imposed lender placed insurance on our residence claiming we dont have insurance. Back and forth after 2 months ocwen acknowledged we had insurance and retracted the lender imposed insurance. 
Since last 10 years we never skipped a single mortgage payment every one is ontime. 
Ocwen started sending demand letter paying some late fees which we dont know. 
I have a record of all the payments made to them via bank online. 
Last 3 payments, Month of XXXX, XXXX and XX/XX/XXXX they put entry in the credit report as a late payment. 
I m getting not a satisfactory answer with them. 
I need remedy for this. Our application for home equity loan with bofa has been denied even though we have XXXX equity in our house. 
Our loan number XXXX Toll free XXXX XXXX XXXX. 
Pl help us
Consumer complaint received 2018-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

I've had an account with Coinbase since early 2017 and on two occasions have blocked my account in error. The first time it took well over 4 months but at that time i had no money inside so i was very patient, they also at the time allowed you to withdrawal money from both your coinbase and XXXX account. This time around they blocked my account they didn't give me any access to my XXXX account. This has been like this for 3+ months now and they're email team gives no response as well as their phone service because they claim they cant do anything but answer the phone to say that they cant do anything. I have about 1500 usd that i have left their for 3 months. At this point its ridiculous and to top it all off the last time i called the over the phone to try and get help the young man over the phone said someone when i had called last time had marked my case as closed or resolved even though it wasn't. I do not understand how the people over the phone cant help you but they can mark the case as resolved.
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Ive been working for a not-for-profit for over 5 years. Ive been paying my student loans on time, every time. 

At the time my loans were owned by Nelnet. When my monthly payment was being calculated for XX/XX/XXXX, they were done so incorrectly. I was not aware that this was the case until a later date. When I found out, I made a payment of over {$3000.00} to account for my inaccurate payments. 

In XX/XX/XXXX, I officially signed up for the Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX. I began making my monthly payments to them. 

During this period, my payments were assessed for which payments counted as qualifying payments to be forgiven. What I have discovered recently, as confirmed with XXXX XXXX, is that not all of my payments were counted as qualifying. This is due to the miscalculation by Nelnet, in  addition, they put me on a Forbearance and to my dismay, they did not inform me. 

As a result, 3 years worth of payments were not counted and my forgiveness date has been pushed out from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-11-05
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. (MD)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX XXXX letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your assistance with the false account appearing on my credit report. This issue has hurt my reputation as a customer, and I require your help. I want these accounts removed since they are being reported inaccurately and affecting me negatively.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was fraudulent activity on my account and I spoke to BOA About the situation and the said that it was going to be investigated and that they were going to reviews cameras etc, I said okay.they called me days later telling me not to worry about it now time later I can't open a bank account no where because they reported to XXXX.total amount Bank of America reported was {$7800.00} witch was totally unfair that as a customer with Bank of America to do this to me is wrong.Also I wrote Bank of America letters asking them to take this off my record it's damaging my life as a father of XXXX boys that is a victim of identity theft.ive always paid what I owe and I want to continue services with Bank of America.
Consumer complaint received 2018-03-29
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. (GA)

Experian advised that they verified incorrect information reporting on my credit report. I asked for proof of the verification and was not provided any. I was advised that the information was verified, however I have never been supplied with any proof. After going to company that Experian alleges that verified information, I was advised in writing by XXXX XXXX and Bankruptcy court that the information provided by Experian is a lie because the courts do not verify information. XXXX XXXX also advised that they have not supplied Experian with any information regarding this incorrect information that is erroneously reported on my credit report. It is very evident that representatives at Experian are NOT verifying or validating any information, however are only responding with form letters without any due diligence.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had opened a bank account with Bank of America onXX/XX/XXXX. At that time, I had XXXX XXXX and XXXX XXXX as well. I opened the account because I was told by a family member to do so, so that I can apply for a credit card through the bank and help build my credit. I never got around to doing so because I had four jobs around that time. I am not sure when but my card goes missing and then I went into Bank of America to report it missing and file a claim with the fraud department. In fewer words they told me that there is nothing they can do and I am responsible for the negative balance of {$13000.00}, because the two states are so close I could have transacted the transactions. I left feeling like this was all a plot against me one because Im young, and the other because I am a XXXX woman. They didnt look at the facts, sometime later I received a letter in the mail stating that I had a XXXX balance, so I thought they had credit my account {$13000.00} because they reviewed the case again and realized it was not me. In XX/XX/XXXX I applied to open a XXXX XXXX XXXX XXXX account and I was denied because the charge for the {$13000.00} was on my consumer report. I thought it had gone away. So I went to the Bank of America closest to my house in XXXX XXXX, CA and I sat with a banker and we called the fraud department and they told me that I previously stated that I knew where the charges had come from and I authorized them. I never said that, and why would I file a claim and then state that I knew where the charges came from, that makes no sense. Following that I had XXXX XXXX investigate the matter with proof that I was at work during the times of the transactions and Bank of America said that they initial findings are correct. I looked at the statements myself and there are about two days that there were transactions in CA and I was not at work. I was more than likely at school at XXXX XXXX University AZ. I have proof of me clocking in a nd out of work.
Consumer complaint received 2018-03-28
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: EQUIFAX, INC. (TX)

There are five steps to submit your complaint : Step 1 : What is this complaint about? Equifax 's Dispute link doesn't work. I only have that one session to view my report or make corrections and I would have to pay for another report in order to return to the site to see if the link is fixed.

Step 2 : What type of problem are you having? See answer above.

Step 3 : What happened? See answer above Step 4 : What company is this complaint about? Equifax Step 5 : Who are the people involved? Equifax and XXXX XXXX XXXX XXXX as XXXX show I am in collection but have paid off my account. That's what I was going to dispute, the collection.
Consumer complaint received 2018-03-28
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. (NJ)

IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.
Consumer complaint received 2024-10-14
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. (MO)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2018-03-29
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (CA)

I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my American Express Delta Gold Sky Miles Card and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all American Express accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, XXXX XXXX
Consumer complaint received 2018-02-13
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. (WA)

I want the CFPB to continue its investigation on the 2017 Equifax data breach affecting nearly every American who uses and has ever used credit in this country, as well as many non-Americans abroad.

For the CFPB to announce that they are not going to continue their investigation is unconscionable. American tax dollars are funding this agency specifically to look into these kinds of issues and the agency needs to continue the investigation into wrongdoing on Equifax 's behavior that caused the information to have been leaked, and their potential criminal behavior especially from their CEO/CFO 's in between the time they learned of the hack and the time it was announced to the public, and since. 

Specifically, the illegal selling of stock market shares after learning of the attack and before making the public announcement. 

Specifically, the extremely long time between learning of the attack and the public announcement. 

Specifically, the attempt by Equifax to try to shirk their liability in an insincere and deceptive way by sneaking it into an agreement by accepting their offering of credit monitoring services. 

The CFPB needs to do their job here and those at Equifax need to be looked into, and those responsible for the mishandlings of personal data need to be held accountable for their actions. I'm calling on the CFPB to continue their investigation fully.
Consumer complaint received 2018-03-28
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: LendingPoint Holdings LLC (TX)

Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (CA)

I have never used this address, nor do I know whom resides there. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (VA)

I have been a member with American Express for over 4 years and always have had problems with them they never want to help you in the moment of need or waive fees for that same reason I closed two credit cards with them, but they cancelled my plenti credit card without my authorization or at least explaining why they did only stated because they will no longer offer Plenti rewards, and they are still charging interest and fees for an account that was cancelled by them. Please help this is unfair and at this moment I am unable to continue with the payments yet I do not want ruin my credit score.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX, XXXX I received a form letter that my mortgage was payed off. It is now XXXX XXXX and I am still waiting for a duly recorded satisfaction of mortgage.I have called Chase several times only to be told that there is an issue with the chain of title but after 18 months it should have been resolved. The XXXX XXXX XXXX tells me that they reject the submissions because the are not complete.
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (MI)

I received a loan in the amount of {$1000.00} and have already repaid {$1000.00} to date and the amount to pay the loan in full is currently over {$1100.00}. I am no longer able to repay these loans and per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid.
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

We have a Mortgage with DITECH and on XX/XX/XXXX. Hurricane XXXX  hit our city here in XXXX TX . One week later XX/XX/XXXX we get a letter stating that we had an overage on our Escrow account. We are out of town at the time we spent 2 wks in XXXX and XXXX XXXX because we did n't want to ride thru the storm with our little kids, no food or lights.

We have been a couple already and did n't want to go thru this one seemed like it would be a bigger one than we have dealt with. Needless to say we did have a little water damage. Compared to others here in Town. I called in our insurance claim after we got back and DITECH said that they had rehimbursed our " Flood Insurance ''! They said it was because we were no longer in a " Flood zone '' which I have confirmed that there was no such change to our Flood Map! That was a lie and the reason we could not contact the insurance company our selves is that we were always paying our Flood Insurance and Hazard Insurance separate from the Mortgage Payment. This last year DITECH forced insurance on us and it was lower than the Flood policies we found ourselves. I never got a copy of the binder or policy from DITECH or Insurance company for that fact.

I have called DITECH and requested online for a copy of my old policy and they will not send to me. I suspect that they did n't have an insurance policy during the time they said they had a policy and tried to hide there tracks by giving me the run around.

I am tired of being given the run around and am seeking help to fix our house which we thought we had insurance for and we were paying them for. I do n't know what we can do at this point since I feel like we are at there mercy and it does n't seem like they want to help us out when we need it.