davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

I have a bank account in a state I no longer live in. I kept the account in case I needed to transfer to my mother 's account which I am a signer on. Since I am out of state I barely use that account. I use XXXX often and accidentally charged the wrong bank account. The account had about XXXX dollars and the transaction was for approximately {$40.00} which overdrew the account. My mom contacts me to say her bank account which I am a signer on had been closed because of the balance on my account which I am sole owner on had been overdrawn for 30 days. She said my account was affecting hers somehow so I called the customer service. Customer service told me to contact the branch directly since there was nothing they could do. I called the branch and by chance immediately got the assistant manager. He said there was nothing I could do and that I should have kept up with the account. I explained I rarely use it and live out of state that the charge was a mistake. He said he could not waive the overdraft fees that now total {$140.00}. He was rude and kept sighing repeatedly when I told him I wanted the fees waived and wanted to pay the overdrawn portion. He kept telling me I had to come in person to take care of the account I should have been more responsible with. I explained yet again I do not live in that state and am sole owner of the account so no one can make a deposit on my behalf. He took down my information XXXX and said he would call back on Monday because he has to contact the back office which was told I can not contact directly. They never even warned my mother that they were closing her account and charged me ridiculous fees on one small mistake with XXXX charging the wrong account. I just want to pay the overdrawn amount and not the fees that they kept racking up on me. They automatically withdrew from my mother 's account and overdrew hers to pay my account then closed hers so now her direct deposit on Monday will not be deposited and will be rejected. I just want to pay what XXXX charged on my account and not have these overdraft fees. THey never contacted my mother to warn her about her account being closed as well. I am a XXXX XXXX XXXX and the fact that this bank is taking advantage of a single mistake is immoral.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I am a parent. I made XXXX direct plus loans for my youngest daughter to attend XXXX University. I actually consolidated these loans under XXXX, but they since changed to XXXX XXXX then to Navient they are once again individual. I wanted to consolidate them again but Navient insists that I have a co-signer. Why? I already have the loans why would I need a co-signer to consolidate? 
When I started paying these back my balance was XXXX. It is now XXXX. I have not missed a payment in nearly 5 yrs to the tune of XXXX dollars. and my balance goes up XXXX? This company is stealing. How can they be allowed to do this? 
I fully understand they are in business but really almost XXXX dollars and the principal does n't go down. I 'm trying to pay for an education not a XXXX XXXX or a XXXX.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MA)

I have XXXX accounts with AMEX, I sent a payment to the wrong account and called to have it transferred to the right one. AMEX debited the wrong account and never credited the right one so the cash essentially disappeared ( concerning I had to catch this and not them ). The first time I called to fix the problem the result was they credited the right account but again debited the wrong one. So I was double debited in one of the accounts. I have contacted them multiple times and they still have not resolved this issue. I am also concerned with the integrity of their payment system.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (WV)

As of XX/XX/XXXX Freedom Mortgage continues to show last payment received was XX/XX/XXXX. This inaccurate. Per response from a previous complaint, Freedom Mortgage stated that XX/XX/XXXX payment had not been received. I sent Freedom Mortgage verification that payments had been received. confirmation of online payments and the XXXX banking statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Due to death in family, which led to temporary  financial hardship, I had requested to put off XX/XX/XXXX mortgage payment. Since I had not received any correspondence/ telephone call, I had been led to believe that Freedom Mortgage consented to my request. Freedom Mortgage inaccurate reporting has resulted in scores dropping, being denied refinancing/ person loans. Freedom Mortgages unwillingness to contact customer, has resulted in seeking legal action. This has been ongoing since XX/XX/XXXX. I have submitted letters to the executive staff, XXXX, IN.
Consumer complaint received 2017-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

I tried to purchase XXXX BTC from coinbase I received an email stating my order was cancelled. so I withdrew money out of my bank account. coinbase still deducted the money for the purchase out of my bank account via my debit card. Which overdrew my account. I never received any Bitcoin and coinbase does not respond to my emails. My coinbase account is under the email address XXXX  At the time of purchase the amount of Bitcoin was worth {$450.00} plus they charge me a fee for loading the account when I only use them because they said by Bitcoin for free with a debit card
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (PA)

On X/X/2017 I sent formal notice, via certified mail, to CRME for a collection account listed on my credit report for XXXX, that their claim was being disputed. After 30 days, there was no dispute mark placed on my credit reports, nor did I receive any communication from CRME. On X/X/17, I sent a second letter, via certified mail, to CRME that they have violated federal and state laws, and also failed to send me any communication and/or evidence bearing my signature that the account is reporting correctly. Somewhere thereafter, my credit report was marked by them, that the consumer disputes, but again, this was AFTER 30 day allotted time per FDCPA and FCRA regulations. To this date, I have not received any communication or acknowledgement from CRME, after their receipt of 2 certified letters. They have clearly violated the law by not marking my credit reports disputed within the 30 day time allotted and also have not sent me any documents bearing my signature, validating that the debt is accurate.
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

I was told once I paid my debit for {$52.00} to XXXX XXXX ( XXXX, NC ) it would be removed off of my credit. It has not my receipt was Print Date : [ X/X/17 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Payment Receipt Acct No : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Thank you for your payment ( XXXX ) of : Post Date : X/X/2017 Location : XXXX XXXX XXXX XXXX Amount Paid : {$52.00} Current Balance : PENDING Discount : {$0.00} Payment Type : Credit Card Confirmation ID : XXXX Credit Card Type : XXXX XXXX Credit Card # : XXXX Approval Code : XXXX This is unacceptable and it 's hindering me from progressing in life
Consumer complaint received 2017-07-21
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. (FL)

I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.
Consumer complaint received 2017-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

My transactions, there were 5 in total were done in XXXX which I 'm taking Moneygram to the federal court here in XXXX. It has been suggested to me by XXXX in XXXX which is the equivalent to your FinCED to wroite to where the company is registered to seek a refund to the fact that they released my {$13000.00} XXXX dollars to someone they should n't have. I contacted Moneygram last year as this happened on XXXX XXXX 2016 and NOT one person from Moneygram has bothered to contacT me at all. I called their fraud number advertised on the intervener, emailed them and also contacted them on XXXX hence why I started processing against them in Court here in XXXX. I 've noticed that they have been fined millions and millions of dollars in theUSA. They have also received many fines here in XXXX but still continue to allow fraudulent behaviour by scammers using this service. Please help me make this company accountable for their behaviour.
Consumer complaint received 2017-07-18
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. (AL)

I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last XXXX accounts on my Credit Report that I have no knowledge of are an XXXX XXXX company that states they represent XXXX XXXX. I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is XXXX XXXX XXXX. It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are also XXXX accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are XXXX XXXX and an account by the name of XXXX. Thank you.
Consumer complaint received 2017-07-18
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. (AL)

I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.  XXXX   XXXX   XXXX  and  XXXX  is liste d 4 separ ate times and none of the accounts are mine.  XXXX   XXXX   XXXX  is also listed. This is not my debt and I have no knowledge of it.  XXXX   XXXX  is listed, this is not my debt and I have no knowledge of it.  XXXX   XXXX   XXXX  is listed. I have no debt with this company and have no knowledge of it.  XXXX   XXXX  is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
Consumer complaint received 2017-07-18
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. (UT)

We voluntarily gave back a car we were financing back in    2015. O nce we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and   XXXX   balance . ( l etter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Sinc e   XX    2015 we ha ve been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. F or 2 1/2 y ears now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2 y ears and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a  XXXX  balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  XXXX   XXXX .
Consumer complaint received 2017-07-21
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. (CA)

There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
Consumer complaint received 2017-07-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (CA)

On XX/XX/17 I emailed XXXX from Clear Path Lending to cancel the refinance. On XX/XX/ I received a call from XXXX XXXX to reconsider. I was emailed a 6-page proposal. I emailed back and canceled. XXXX XXXX called me back to ask me to reconsider and I said that I did not like this refinance because Clear Path Lending has raised my mortgage from {$400000.00} to {$410000.00}. I explained that was too high and asked why I am being charged {$13000.00} for a re-fi and thought that was too much. So, I said cancel. After I said that over the phone, a XXXX XXXX XXXX from Clear Path Lending came on the line to convince me that I would receive around $ 5000/6000 back. When he stated that I decided to go ahead with the re-fi. I called on XX/XX/17 and XXXX answered the phone and I asked when will I receive the $ 5000/6000. I asked to speak to XXXX XXXX. He said that XXXX was no longer working there. I asked about the money I was to receive and he stated to me where do you think that money is coming from. I told him about our conversation on XX/XX/17. He said he would call me back. He didnt call me. I called again today XX/XX/17 and told me he would call me back. He didnt. I never received the {$6000.00}. I would have never gone with this plan. I was tempted by the cash back. Also sent to BBB & FCC.
Consumer complaint received 2017-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I was trying to change {$100.00} dollars to bitcoins it dint happend a now i have {$98.00} dollars missing from my accont ( wallet ) y only have left {$1.00} Ive been sending emails and trying to get a phone number to contact for the las 4 days and im still have no answer from the coinbase staff
Consumer complaint received 2017-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (NV)

We applied for a loan to build a pool . Aqua Finance  provided us with {$40000.00} and the balance of our backyard project was paid i n Cash.    Payments for the loan were set up as an automatic payment from our bank account on the  XXXX  of each month starting 30 days after the completion of our project. The first payment was XX/XX/XXXX .   Since  XXXX  I have been trying to set up an online account so that I can increase our payments and pay this loan off by the end of   XXXX  . I was told that I would receive a bill in the mail with a code which I could use to set up my online account. Once I have this information I will be able to increase my payments and there would be no pre-payment penalty for paying off the loan early. I called in  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . Today I was told I will never get a statement because I pay the bill automatically. I find this unethical, as a consumer I should receive a statement no matter how my payments are made. I have no way of knowing that the payments I am making are being applied to my account and what they are applying to principle or interest. This is unacceptable.   On my phone call today they offered to increase my payments. I do not want to give who ever I was talking to any more control over my payments without a bill.   Apparently the billing is done by a  3rd  party. They will request that I receive a bill. They do not know if I will receive a bill at the end of  XXXX  or maybe it will be  XXXX . The customer service person did not know how long it would take to for the request to go thru.
Consumer complaint received 2017-07-18
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. (KY)

I have a private student loan with   XXXX   ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to  XXXX .   About 2 years ago this loan was sold  ( ? ) to  XXXX  who now services my loan. I came to an agreement with FAMS that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.   I have contacted FAMS and   XXXX   and explained that since I am making payments to FAMS, who is servicing the loan for  XXXX , I do not believe it should be reported that I am missing a payment every month to   XXXX  .    XXXX  wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.   Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.   Thank you  XXXX   XXXX