davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2017, I transferred XXXX Membership Rewards points into my XXXX XXXX account ( transfer partner of American Express ). I tried to book a ticket using these miles for myself that night and received an error message. I tried again later that night and received the same error message. I was then locked out of my XXXX XXXX account the following day. I contacted XXXX XXXX and received a response that my account was locked due to inconsistent activity. None of my activities were out of the ordinary and from doing some quick research, it seems that XXXX XXXX has been specifically targeting and locking accounts with membership rewards being transferred in. At this point, I can not get in contact with XXXX XXXX customer service as the only avenue of communication I have is an email address they provided me for account audit communication, which is unresponsive. I spoke with American Express customer service and they refuse to reverse or refund the transaction. American Express should be liable as this same issue is ongoing yet there is still no resolution from American Express regarding the abuse by the XXXX XXXX program. At this point, I am locked out of access to my XXXX XXXX XXXX points ( Equivalent to at least {$1000.00} USD ).
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Wired {$10000.00} USD from Coinbase, Inc onXX/XX/XXXX to my personal bank account which I have done before. 

Showed wired was completed onXX/XX/XXXX. 

It is now XX/XX/XXXX and still no money. I have called coinbase everyday and nobody answers. I have called XXXX XXXX in New York who supposedly does their wiring and they have no knowledge of the wire. 

I have opened numerous cases with coinbase support only to get automated messages saying they will respond and they never do. 

Have all screenshots and documentation showing completed wire from Coinbase to my bank and where they even charged me for the : completed '' wire. 

Please look into this.
Consumer complaint received 2017-06-19
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: Clarity Services (MI)

Credit Report Inquiry on the following dates from Clarity Services  Inc. :   XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX  Reports pulled/Inquired in little over 5 months, which I believe they are only allowed  XXXX  per calendar year even if from another company they are acting on behalf of. I called the company listed above about these report pulls and they had told me they are pulling the reports for another company and refused to provide this information unless I provided additional personal info to them.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Service Systems, Inc. (AR)

I received a collection letter from a company called Southern Service Systems on XX/XX/XXXX. Trying to collect on a debt from a home I lived in last year when I was on HUD. I stayed out there for 3 yrs and never had a problem until the new manager came and all the old workers left. I was living month to month, had already fulfilled my lease. I didn't pay any rent being that it was income based. I went to the office and put in my 30 day notice to vacate. During the 30 days an inspection was done on the home. They found no problems. I moved out on XX/XX/XXXX. The amount they are saying I owe is XXXX for an unknown reason. I sent a debt validation letter to the agency requesting proof of the debt and what exactly I was being charged for. I received a response on XX/XX/XXXX. It wasn't what I asked for. It was only a printout of the lease and didn't show any amount owed or explanantion. I then called the company directly to see if someone could explain to me and I was unsuccessful.  The lady I spoke with had no clue of what was going on or what the charges was for. First she said rent, I explained that wasn't possible because I put in a 30 day notice and furthermore I didn't pay rent because I was on HUD at that time. There wasn't any damages because an inspection was done prior to me moving. I paid a $XXXX security deposit before I moved in that was never returned to me when I moved out. If it was something owed then it should have been taken out of the deposit being that I didn't get it back.
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

I was in the process of refinancing my house and the company doing ran a title and lien search upon receiving the report there were a number of liens one in particular is for XXXX XXXX XXXX from XXXX XXXX XXXX now she is not on the title, deed, or for that matter any mortgage loan papers now she is my wife and she can not find any paper work notices or otherwise on this matter
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (CA)

The loan amount was for {$1000.00}. However, I was unable to see my contract until after the loan was disbursed. The loan payments is {$300.00} birthday weekly totaling {$600.00} a month for a {$1000.00} loan. All payments are going towards interest and not towards the principal. This is making the loan very expensive. Therefore, the loan is costing me over {$6000.00} dollars. The contract lists the Interest rate at a ridiculous rate of 646. %. I was n't aware that I had to pay {$300.00} twice a month on a {$1000.00} dollar loan.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OH)

My previous complaints were delayed, ignored and not addressed by wells fargo. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX XXXX are the issues here.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a response from TransUnion on Friday XXXX/XXXX/XXXX stating that the public record being listed on my credit report was " verified '' as accurate per " the source ( s ) to advise them of the dispute ''. 

My problem is that upon reaching out to XXXX on XXXX/XXXX/XXXX, I was informed that XXXX does n't verify any record at all. Instead it is a public site that publishes information that is furnished to them. 

So what " source ( s ) '' are being used to " verify '' that this public record being listed on my account is actually accurate? 

I 've attached the e-mail correspondence between myself and XXXX regarding this matter. 

Please VALIDATE this public record as accurate, or remove the record from my credit file.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was limited to options in selecting my dispute and complaint I am submitting. To clarify there is a bank " XXXX XXXX XXXX XXXX '' that is reporting a loan I had with them as Chapter XXXX Bankruptcy ... ..I 've never filed for chapter XXXX nor chapter XXXX bankruptcy and this information reporting is false and untrue. I have been disputing this with the credit reporting agency 's but need to wait at least 30 days before the disputes are finanlized. In the meantime my credit score is low because this remark is reporting. I 've tried to rectify and have this false information removed off my credit reports but to no avail. XXXX XXXX XXXX XXXX should not have reported that I did chapter XXXX. I am submitting this complaint because it is ruining my credit score with this false information and I want that remark removed off my credit reports. I am going to submit this complaint because XXXX XXXX XXXX XXXX XXXX is not listed to receive complaints. I am in hopes that CFPB could assist me in this matter.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

My mortgage provider, Freedom Mortage, has refused to cancel my PMI now that the LTV is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. In accordance with the Homeowners Protection Act and Consumer Financial Protection Bureau, they are required to cancel my PMI at 78 % of original value at anytime it occurs. 

Per Freedom mortgage, the principal balance on the loan is {$230000.00} and original appraised value is {$300000.00} XXXX although it would be even higher than that now ). But even with these numbers, it is an LTV of 75.9 %. 

I originally requested removal of PMI in XX/XX/XXXX/XX/XX/XXXX. At that time, I was told that it would be automatically removed in XX/XX/XXXX. This did not happen. I called back in XX/XX/XXXX and in XX/XX/XXXX, and I was told they would start the process. Once again, nothing happened. 

On XX/XX/XXXX, I spoke with XXXX ( employee ID XXXX ). He said, and I quote, for some reason, the PMI removal process didnt start on its own when it was supposed to. He and his supervisor, XXXX, assured me that two things would happen : 1 ) PMI would be removed by XX/XX/XXXX ( 5 days from the phone call ) and 2 ) due to this being Freedom Mortgages error, wed be credited the amount that we overpaid our PMI ( IE the amount of PMI paid from the time the LTV hit 78 % to present ). XXXX said he wasnt sure if we would be reimbursed via a check or directly through our escrow, but he would have the cashiering department contact me about that. Once again, nothing happened. 

On XX/XX/XXXX, I received a letter stating : for loans aged between 2 and 5 years, the LTV has to be below 75 %. We have had a loan longer than 5 years on this home, but just not through Freedom Mortgage. Please note, it was NOT by our request that Freedom Mortgage took this loan over. They simply bought the loan from our previous provider, XXXX. We should NOT be penalized for something we had no control over, and quite frankly, didnt even want. We have never had a late payment, and weve specifically been paying extra toward our principal to get PMI removed more quickly. 

On XX/XX/XXXX, I called back again. I was told that PMI would be automatically removed in XX/XX/XXXX because that was the schedule, based on minimum payments, for it to fall off. When I inquired about the fact that Ive been paying extra principal for years in order to get it removed more quickly, I was very rudely told ( by XXXX, employee ID XXXX ), in so many words, that it is only 8 more months of PMI that I have to pay and to just XXXX it up. 

Based on LTV, weve been wrongly paying {$110.00} of PMI for the past 13 months, and according to Freedom Mortgage, will have to continue this for another 7 months. That is {$2300.00} ( $ XXXX ) of overpayment that I should be reimbursed for. 

Thank you
Consumer complaint received 2018-02-12
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. (MS)

Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Transunion Credit Report. The Date of First Delinquency shows as XX/XX/XXXX ; Why wait 6 years later after the Date of First Delinquency to place this on my Credit Report??!! The original creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The public record for my Chapter XXXX bankruptcy filing is on my Transunion, XXXX, and XXXX Credit Reports until XX/XX/XXXX. The Date of First Delinquency for this Collect Account must have been re-aged to the year XXXX in order to place it on my Credit Report. Re-aging Account dates, especially the Date of First Delinquency, is a serious FCRA offense. I have tried to dispute this Collection Account with Transunion because it is too old, which is past 7 years since the correct Date of First Delinquency ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is holding up processing of my current Home Refinancing application.
Consumer complaint received 2018-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been a customer of Capital One for almost two decades. I am now going through a divorce and have lost substantial income and am paying alimony and child support. I have had my house up for sale for 9 months and it has not sold. I have talked to bankruptcy lawyers, debt liquidation companies and have finally decided to enroll in a debt management plan with XXXX XXXX XXXXXXXX XXXX. All of my creditors have agreed to enter the plan except Capital One. I am trying to make this right with my creditors and not file for bankruptcy. I am drowning in debt with high minimums due and high interest rates. I am paying out every month more than I bring in. 

The Counseling company said the reason Capital One gave was that I was denied because I was already in an internal program and had to wait one year to enter into another one. I have called Capital One several times and they confirm I am not in a program. Almost a decade ago they are reporting I took an interest rate reduction at that point and there are no hardship programs available except for waving late fees. I am current on all of my payments and have been for some time, so this will not help me. In speaking to Capital One today they have said they are not willing to help me in this financial crisis of my life. 

Please help thank you.
Consumer complaint received 2017-04-17
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (NJ)

Entered 12 month student loan recovery program with previous lender at the  XXXX  of  2016 to ge t student loan out of default. I paid {$200.00} a month until I received notification that the loan was out of default status. At that point the loan was sold to Navient. This occurred at the   XXXX   of  2016. I  agreed to pay {$68.00} a month. I am current on my payments and should not be reported as 120 days late on my credit report. I have been rebuilding my credit over the last 12 months. I take m y credit score very  serious and is going to prevent me from purchasing a home. I just came up on a mortgage application.
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. (OH)

I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 



ACCOUNTS XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2018-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

AroundXX/XX/XXXX I applied for a home remodification loan with Wells Fargo.  I have lived in my home for over XXXX XXXX and I had done one a few years back.Strangely, I was asked to go to a residence to sign the papers.  I was terrified of losing my home so I did not ask questions.  The colored arrows were there, just like the other time, to sign.  It was a stack of papers....I was nervous being in someone elses home so I hurried and signed the papers.InXX/XX/XXXX I was filing for bankruptcy.  All my bankruptcy consist of is my home and pay day loans.Before the meeting time before the Judge, the attorney asked me about the $XXXX I had borrowed from Wells Fargo.  I had no knowledge of this $XXXX.  It did not show on my statement at anytime.  The attorney said it had been posted at XXXX  XXXX County Courthouse on record.I was shocked.  We have 6 Wells Fargo branches and I was never asked to go and sign paper work for $XXXX.  Then when the attorney showed me the paperswork that had my signature it was a stack of XXXX papers.I testified under oath to the Bankruptcy Judge, XXXX   XXXX, XXXX, Texas, what I have said took place above.  I called XXXX about the $XXXX.  XXXX said they do not track money they give Wells Fargo.  They have no idea what Wells Fargo did with the $XXXX.
Consumer complaint received 2024-11-07
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I pulled my report to maintain my credit. I have disputed this spouse or co-signer name two years ago. I have never been married nor have I ever co-signed with a XXXX. It does not show a last name assuming she has my last name.

Spouse or Co-Signer : XXXX
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We have been reviewing our Bank of America convenience check we used.  We have attached at a copy of the offer we received before using the Bank of America convenience check.We chose offer XXXX for a 0% ( 0% daily periodic rate (DPR) promotional APR until XXXX 2018.)We are being charged interest for over a year and not 0%.  Why?  It is just now XXXX 2018. This pertains to the account ending in -XXXX.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NY)

Caliber home loans - I was mislead by the amount I would receive out of the refinance even though I questioned on several different occasions. 
XX/XX/XXXX - I spoke with XXXX XXXX from Caliber who advised that I would be receiving approximately 10k.

I received approximately 1400.
Consumer complaint received 2024-11-07
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. (FL)

I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Late/Open XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Collection XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.