davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
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. (OH)

XXXX/XXXX/XXXX, I have been in a legal case with Transunion and the Department of Education since XXXX. Due to me being a XXXX XXXX XXXX Veteran in which the Department of Education was notified in XXXX XXXX XXXX of my XXXX XXXX XXXX. The Department of Education then proceeded to place a collection debt with Transunion XXXX/XXXX/XXXX. I have showed proof to Transunion of the notification. I hired an attorney and once aware of an attorney Transunion quickly moved to remove any XXXX outstanding loans before court date. However they refuse to remove the U.S Dept. of Education, even though I have give both proof of my XXXX which was dated before the collection date. The U.S. Dept. of Education has XXXX out the Debt however refuse 's to remove the collection status.
Consumer complaint received 2017-09-30
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. (GA)

I have submitted two requests to Trans Union to verify and validate the information on my credit report regarding two charged off accounts. On all three occasions they failed to provide me with all relevant documents, the name of the person who verified the information, and the method that was used to verify the accounts. My first submission was XXXX XXXX, XXXX. The accounts disputed as charged off were XXXX XXXX and XXXX XXXX. My second dispute was XXXX XXXX, XXXX. The disputed accounts were the same. In both responses, Trans Union stated that the information was simply verified and updated without any proof of such verification. Under the FCRA the credit reporting agencies are required to have a copy of the original signed contract, copies of account statements, and are to provide the names of the individual from the company which provided the information. Trans Union has failed to complete a thorough re-investigation as required by the FCRA. It is my understanding that all disputes are out sourced to foreign contractors and they are given an average of 18 to 90 seconds to investigate a dispute. This is a direct violation of the FCRA in that the re-investigation is not conducted properly and by an actual employee of the credit reporting agency. I request that the practices employed by Trans Union and the other major credit reporting agencies ( XXXX and XXXX ) be investigated as they continue to violate the rights of consumers with no fear of prosecution.
Consumer complaint received 2017-09-30
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. (MD)

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (SC)

Disputed the collection with millennium financial group on an account they purchased from XXXX XXXX XXXX which was a family based group with XXXX 's XXXX XXXX which closed down for fraud since 2014. No verification of debt amount not owed.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

XXXX ( 2017 ) I have been trying to get accounts removed from my credit report since XXXX of 2017. I have more than 27 accounts that have been placed in a derogatory state. I have been working with all 3 credit bureaus to get these accounts removed. I have been getting push back. Instead of the CB removing the accounts because they are more than seven years old, they changed the status of the accounts to paid as agreed. I need to have these accounts removed due to the fact that I have suffered enough in having poor credit. I 'm trying to ensure that my credit gets repaired but how can I with inaccurate information on my credit report. I have been dealing with this since XXXX of 2017 and now it 's almost XXXX. This ordeal needs to be resolved before the end of this year or sooner. I have XXXX and this is making my symptoms worst. I NEED HELP!!!!
Consumer complaint received 2017-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MI)

On XXXX XXXX, 2016 Midwest Recovery Systems reported a collection on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX 

I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. 

I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. 

Furthermore, I was not informed of this bill before it showed up on my credit report. I was not contacted by telephone or by mail with any bill by either party. I was not given any opportunity to resolve the issue before it showed up on my credit report. 

Additionally, I believe that Midwest Recovery Systems has since sold this debt to a second debt collector, adding a second collection for the same fraudulent debt to my credit report. I will be filing a second complaint against the second debt collector. 

I have done some research and found that this company has done the same thing or similar to many other people. It needs to stop. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
Consumer complaint received 2017-09-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: The Check Cashing Place, Inc. (CA)

I went to a check cashing store and they charged me almost {$30.00} to cash my XXXX check that is worth over XXXX.. by law they 're not allowed to charge me more than {$3.00}. The company this took place at was, The Check Cashing Place, Inc Store # XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, California. The company ripped me off and I should be reimbursed {$25.00} since they overcharged me. This store is n't the only place where they charge people more than what 's required by law. Please help me resolve this issue. Thank you.
Consumer complaint received 2017-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XXXX XXXX, 2017 To whom it may concern : My name is XXXX XXXX XXXX and I am currently living at the address XXXX XXXX XXXX XXXX, ca XXXX. I have been corresponding with Ocwen customer care, retention specialist, retention manager, and two escalating managers since XXXX of 2017 to pay my mortgage and become current. In addition to the run around I am fighting a terminal illness and asked Ocwen for help and they have ignored all of my calls for help or assitance in resolving this matter. 

My first correspondence started on XXXX XXXX, 2017 regarding the first wire transfer for XXXX. I was made aware on XXXX XXXX that I needed to recall the funds and change the beneficiary information. The information was verbally given to my banking institution XXXX XXXX XXXX XXXX from the Ocwen associate on the phone on XXXX XXXX, 2017. 

I have been corresponding back and forth since XXXX trying to get the XXXX returned or applied to my account. I have sent my bank statement and two wire transfer receipt with no resolution. I was made aware today that I have a sale date fastly approaching on XXXX XXXX, 2017. I need the XXXX to be applied or returned immediately to avoid me losing my property and my only place of residence. 

Today I am sending the documentation from the bank wire transfers and documentation from my bank on the bank wire recall attempts and wire transfers ignored by Ocwen. Ocwen has refused to release the money back to my account at XXXX XXXX XXXX XXXX. In addition I am also forwarding the XXXX bank statement showing the XXXX was never put back into my account since being resent on XXXX XXXX, XXXX per documentation from XXXX XXXX XXXX XXXX. Also, there is an official letter from my bank confirming the wire transfers and the several recall attempts. 

I would like to have something back in writing in response to this letter. I am currently sending a copy of this letter to my personal real estate law
Consumer complaint received 2017-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One keeps making credit inquiries on my credit report after I requested in writing that they stop. I originally allied for a credit card but was told that I had a credit freeze on my report. I contacted the three credit bureaus and they said their was no current freeze. In XXXX of 2017, I wrote Capital One to request to opt-out of solicitations. Since then, they have continued to make hard inquiries on my credit which I did n't authorize. The last two I can see were on X/XX/17 & X/XX/17. My credit score has been dropping due to this.
Consumer complaint received 2017-09-30
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. (FL)

I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my Equifax, XXXX and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.
Consumer complaint received 2018-01-06
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 have four Fed Tax Liens listed on my TransUnion credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with TransUnion and was reported the information was accurate. I do not know how they see this as accurate without the required information.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

On XX/XX/17 XXXX XXXX XXXX put a collection on my 3 credit bureaus amount of {$620.00} i have never had a XXXX account, and i ca n't proof them that this is not my account, i need help to remove this from my credit report.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (NY)

User email XXXXXXXXXXXX on XX/XX/XXXX I withdrew {$1900.00} from my coinbase XXXX account that was supposed to be deposited into my XXXX XXXX account ending in XXXX via Wire the reference code to that transaction is XXXX I never received my money and it has been 24 days coinbase website states their service assures that a wire takes no longer than 10 business days. I contacted my bank thinking maybe my bank rejected the deposit and they told me there is no record of my money being into contact with them. On XX/XX/XXXX I wrote coinbase support a email XXXXXXXXXXXX they told me it probably still pending. So on XX/XX/XXXX I contacted coinbase through their customer service phone number XXXX ( XXXX ) XXXX the representative told me the transaction says complete and I should have my money. After that she says she will make a complaint to the transaction escalation department and that they will be getting in contact with me through email. It is now XX/XX/XXXX and I have yet to hear from them. I still have {$2000.00} on their account and I am scared to withdraw with the fear of the same situation happening. I made withdrawals before with success never had a problem with coinbase until now. I am uploading a picture of the transaction with coinbase dated XX/XX/XXXX and my bank statement from XXXX to XX/XX/XXXX that proves there is no wire from coinbase
Consumer complaint received 2017-09-30
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC. (OK)

On XXXX XXXX, I made a withdraw from prosperity Bank for a little over XXXX dollars I believe. After my withdrawal I received my account Balance with a lower balance. Which was ok. I was expecting another direct deposit that day from my second employment. On Sunday XXXX XXXX XXXX, my Balance reflected as a little over XXXX dollars. I went ahead and did some transactions. Mid Monday XXXX XXXX my account was negative. I was confused and frustrated. I have paid so much money in fees especially overdraft fees with prosperity Bank. The bankers are not helpful and can never answer questions. I always have issues logging online to view my account so I can better manage it. I am always calling customer service with no successful results. I keep paying fees that could be avoided if only I can get help. Its frustrating and I think this Bank is not trustworthy. This is why the cfpb was created for banks like this. Do n't open an account with prosperity Bank.
Consumer complaint received 2017-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

Im desperate and hoping you might be able to assist me. I am a XXXX-year-old XXXX mom struggling to put my daughter through college as well as pay off my own grad school debt. I was looking forward to having my debt forgiven under PSLF in XX/XX/XXXX after working in public service and paying my Federal Stafford Loans under the IBR program faithfully since XX/XX/XXXX. 

About a year ago, I discovered that my type of Federal Stafford Loans were discontinued in XX/XX/XXXX,  and the newer type of Stafford Loans are the only ones eligible for public service forgiveness. I had no idea that this was the case, and was never informed of this by my loan servicer, AES. Back in XX/XX/XXXX, the website clearly stated that Stafford Loans were eligible. When I called AES in XX/XX/XXXX, I was told that I would become eligible if I consolidate my loans, but that the clock would be reset and Id have to make another 120 payments before my loans would be forgiven. I immediately consolidated my loans, and they are now serviced by XXXX XXXX. 

I dont know where to turn. Im heartbroken over this, especially after dedicating the past 10 years to public service as a XXXX where I knew I would make less money but would be making a difference in my community. Now I am seriously concerned that I will end up spending my retirement in poverty.
Consumer complaint received 2017-09-30
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. (NY)

I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from TransUnion verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, 2017. I also contacted the New York Federal Court on the same day & was also told that NO ONE from TransUnion verified any type of bankruptcies.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I Sold my bitcoin on XX/XX/XXXX and I still have not received my money. ( {$370.00} ). The website stated my sale was completed. So I sent several emails to support through their website no response. I finally found their number and I called on XX/XX/XXXX and they gave me a case number and told me it may take 3 to 5 days for someone to contact me. Today, XX/XX/XXXX I still don't have my money. I called customer service again since I did not receive a call back from my call last week. The customer representative said she could see that my ticket is still in the queue but she gave me another case number.
Consumer complaint received 2017-09-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On XX/XX/2017 we received a end of lease statement stating remaining balance of XXXX. The statement says we owe XXXX for unsatisfied contract obligation plus tax of XXXX. Excessive wear and use XXXX plus tax of XXXX. Disposition fee of XXXX plus tax of XXXX. I called Nissan Motor Acceptance and asked them to explain the statement. XXXX explained and was very nice.I agreed to pay the unsatisfied contract obligation total of XXXX and the disposition fee total of XXXXThat totaled XXXX. I told her I would not be paying for the Excess wear and use total of XXXX cause there was no broken bumper when we dropped it off. When we dropped it off I asked for Inspection and was told that would n't be a problem everything looked great. We also took upon ourselves to check it over and was like brand new. We even got the car cleaned inside and out just cause we thought that would be the right thing to do.When I told XXXX I was n't going to pay it she said she would lower the price to XXXX. I that I would pay the for everything else except the wear cause we both knew they were trying to scam us. I received a follow up statement on the XX/XX/XXXX and they lowered the excessive wear to XXXX. I called again and spoke to XXXX and told her that I would n't be paying that part of bill. She said If we do n't pay it they will put in collections. On XX/XX/XXXX I received another statement for XXXX the balance of unpaid. I payed for everything else at this point. I then called and asked for a Vehicle condition report and proof of broken bumper that was never broken nor never was by us.I received one on XX/XX/2017. I stated that the car had scratched paint, cracked windshield, dents, chips etc etc.No bumper was listed at all. It then stated we turned in a XXXX XXXX XXXX XXXX, but we leased a XXXX XXXX XXXX car? We called again and they claimed the inspected the car on XX/XX/XXXX which would be 2 weeks after we returned the car onXX/XX/XXXX? It also had the amount of XXXX we owed for the bumper that was n't broken. Like I said I payed everything that was owed to them but now the put me in collections for XXXX and wasted my valuable time let alone endless headaches. I have exceptional credit and do n't need it to be bruised by any false information because of a company that messed up in so many ways. Please let me know what further action should i take with this
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

The bank froze my account to all withdrawals. Began on XX/XX/XXXX. On line it said it was because I needed to fill out a XXXX and signature form but when I clicked on it to fill out forms it said " not available at this time, please try again later ''. Then I called the bank on the XX/XX/XXXX, they said they were doing a review of the account because of returned items and it would take three business days and be available on the XX/XX/XXXX. On the XX/XX/XXXXmy account was still frozen so I called again, spoke to an excutive customer service agent and this time they claimed the account was frozen because they believed someone tried to hack my account. They did n't know when my account would be unfrozen. Then they hung up on me.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

A check drawn on my XXXX XXXX Wells Fargo checking account and was paid to an unknown person not to the payee as drawn by me I reported the fraud and was told that the funds would be redeposited to my account within 10 days after they researched the transaction Ten days later I was told that forms were to be mailed to my home and must be filled out They were never received Six days later I went to my XXXX branch of Wells Fargo and filled out some paperwork and was told that the payee was now required to fill out an affidavit form I contacted the payee and he took off from two half days of work to sign these forms Five days later I went to my local XXXX branch and was told I would receive these funds maybe in 30 days 60 days 90 days or never Are these banks not responsible for the monies in their care? 
Do they not have a fiduciary responsibility?
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

some time on and around XXXX XXXX XXXX. I went to the bank to make my that was do or XXXX XXXX XXXX and pay on my account of XXXX TDB made an error .they post payment the XXXX of XXXX XXXX. but I pay in the bank Moring the XXXX about XXXX in the XXXX.after then they post my payment and it made my payment late .i have never been late in make my payment on any of my bill. TD.Bank after 24 month of have this credit line they took my credit line from me and my wife. because there misstated that they made. I believe it was unfair to removal my credit line from XXXX to XXXX on there misstated out of 24 month my payment is due on the XXXX of the month. and not only that I ask there representative about the post on the XXXX XXXX of XXXX because I knew that it was a XXXX XXXX week end .and she stated it would post that day. plus they mail me a statement stated, I old XXXX late payment. I send TD Bank a Letter on XXXX XXXX XXXX and have not hear back from my request. ever time the bank take your credit line your credit score drop. I think it was an unfair treatment by the bank and they refuse say that they was wrong