davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OH)

On XX/XX/XXXX, I put in an order for {$500.00} of XXXX through my linked checking account. I received a confirmation e-mail at XXXX XXXX EST that day for that order. Following the confirmation e-mail, I received another e-mail saying they were unable to process my transaction due to a mismatching of names between accounts. My account was restricted at this time. The e-mail said to contact support regarding the issue and that if they did n't hear back from me before XX/XX/XXXX, they would cancel the transaction. It also sent a link to verify my identity. I followed the link and process and was told my identity was verified ( with a green check mark ) and to click to continue. The continue button did not lead to another page and led to the browser timing out. I tried multiple browsers to no avail. At XXXX XXXX, I put in a ticket to support and received a confirmation e-mail.
On XX/XX/XXXX, I received a response from support ( XXXX XXXX ) at XXXX XXXX. This was my first apparent contact with a real individual. The response was essentially the same as the auto response I had received 2 days prior and gave no additional information or resolution. At XXXX XXXX, I received two e-mails stating my previous transaction could not be completed and had been cancelled, even though I clearly had contacted before XX/XX/XXXX. At this point, I had chalked the lost transaction up to a loss and figured my account would be unrestricted shortly after following the suggested steps ( un-linking and re-linking the bank account for future transactions ).
On XX/XX/XXXX, my account was still showing as a restricted account. I sent another ticket to support at XXXX XXXX and received a confirmation e-mail. I received a response from support ( Coinbase Support ) at XXXX XXXX It more or less repeated the same information received on XX/XX/XXXX, and again offered not further steps or resolution. This response did suggest to make sure that I had verified my ID with them by submitting my driver 's license. I did check to verify that I had uploaded my ID with them and I found that I had in fact done so in the past and it was showing with my account. The e-mail response ended by asking if I needed anything else, to please reply. Since I had received no useful information or resolution, I replied at XXXX XXXX and AGAIN asked how I go about getting the account off of restricted status.
On XX/XX/XXXX, my account was still showing as a restricted account and I had not received a response to my email on XX/XX/XXXX. At XXXX XXXX, I emailed again and stated to support that I still had not received any assistance or contact regarding my account. I advised that I would be contacting the CFPB on XX/XX/XXXX, if I did not hear from them by the end of the day.
As of XX/XX/XXXX at XXXX XXXX, I have not heard back from support and my account is still restricted.
Consumer complaint received 2017-09-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I submitted a request through Wells Fargo for a temporary loan modification. I had just started my real estate career in California and I was waiting for a couple of deals to close. In the meantime, I had been working at a restaurant to help pay the bills. My loan was beginning to default and I did not want this problem to spiral out of control. I continued to call into Wells Fargo to check on the status of my loan modification request. They continued to tell my co-signer and I that they still needed additional documents. They also requested documents that I had sent to them before. This raised some concern for my dad and I. If they were n't receiving these documents, where were they going? Was anyone actually handling our request? This chaos went on for an additional four months while my loan continued to default. On XX/XX/XXXX we receieved a letter saying that my request had been denied. I could not believe it. In the matter of four months both my credit and my dads credit had been destroyed. I was now left with an outstanding bill that I could not pay. They told me that there were no other options. Why could I not temporarily lower my payments based on my income? When I talked to a Wells Fargo hardship specialist, he informed me that I did n't have any income and my co signers debt to income was so high that if they dropped their payments I would still be over extended. I asked him why it said that I did n't have an income if I submitted my restaurant pay stubs. He could not give me an answer. If they thought that a lower monthly payment would be a stretch, what did they think would happen when you sent me an outstanding bill for the four months that my application was being processed? I really feel as if they were setting me up for failure. Now I have been making payments on my account even though the loan is still in default. My payment is due on the XX/XX/XXXX of each month. Yesterday I was very sick and forgot to make a payment over the phone. When I called first thing this morning, I was expecting that I would have to pay a late fee. Mind you, this is 12 hours after my payment was due. On XX/XX/XXXX ( today ) I spoke with a Wells Fargo supervisor who told me there was nothing she could to do help me. She said my acct had been sent to collections and she had no telephone contact or any way to help. She said she 's never seen a charge off, which clearly is n't the case if she works for a major bank. She was incredibly rude and offered no support. At the beginning of every call, Wells Fargo let 's the customer know that the call is recorded. If they were to go back and listen they would see just how serious my dad and I were about resolving this issue. All that I asked for was a temporary modification while I waited for a couple of deals to close. I have no idea what to do at this point. Wells Fargo has shown ne that they are not willing to help me resolve this issue.
Consumer complaint received 2023-09-29
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. (MA)

DEAR XXXX AND TRANSUNION ; CFPB ; I was in the process of shopping for a car last month, as I pulled my credit I noticed that you charge off these accounts below on my credit report and never sent me the proper documents requested. 
Please validate as I do not recognize any of this Charge-Off accounts below, plus these charge off should not have any late payments associated with them after the accounts were charge off and closed out. These are inaccurate, incomplete and in violation of my rights, and some are too OLD to be reported on my consumer credit.

Please supply the information that make these accounts valid, and you have 15 days to verify and validate those accounts. Therefore, I request that you immediately DELETE these accounts shown above from my credit report, and please send me detail notification of correction once completed.
Consumer complaint received 2023-09-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Received 2 reward cards. 1 had {$200.00} and the other XXXX. I was told I had to wait for {$0.00} authorizations to fall of pending before I could use the card this past conversation. Since XX/XX/XXXX to XX/XX/XXXX I have not been able to use the {$200.00} card and only been able to use the {$100.00} card for approximately {$44.00}. I have spent countless hours trying to resolve with customer service only to be fed misinformation, excuses, and be hung up on. I am now on another call waiting on hold for over XXXX minutes after being hung up on after XXXX and a half hours. Worst customer service Ive ever experienced.
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX  Credit Acceptance Corp worked along with XXXX XXXX XXXX, XXXX to provide financing for my vehicle purchased on XX/XX/2019. There were undisclosed fees and services added to my contract which I did not request nor did the dealer disclose. When I was able to obtain a copy of my contract which someone other than myself electronically signed I saw the additional charges and addressed this with the dealership and Credit Acceptance. A service Contract fee of {$1700.00} was added and a debt cancellation fee of {$580.00} was also added and other charges and amounts paid itemized at {$2400.00} yet no explanation of what these charges are. I asked the dealership to confirm the additional services were removed and asked for a revised contract and my calls continued to get ignored. Credit Acceptance who funded the loan told me they could not do anything about it. I was eventually able to obtain the Service Contract information through XXXX XXXX XXXX and was advised by the company there was no active policy showing for my VIN or under my personal information provided.
Consumer complaint received 2023-05-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (MD)

After my car was repossessed by Triust, I had called explaining the reason for delay in payment was because my previous employer persistently delayed the start date despite the contract saying I would start XX/XX/XXXX of last year. In addition, it has prevented me from trying to get a replacement vehicle and ruined my financial and personal reputations with my landlord.
Consumer complaint received 2023-09-29
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Under XXXX XXXX of XXXX XXXX. I need to have accurate information on each and every line same on XXXX credit report agencies. 

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will XXXX all credit report agencies. Delete and send me copy of report to house address.
Consumer complaint received 2023-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

My issue is with Navient. 
I have two accounts the first one is as follows : In the past 4 years ( this is only how far back I can see with XXXX XXXX ) I have paid {$15000.00} on a {$18000.00} loan and they are still showing I owe them {$19000.00}. My balance went up by XXXX. I had three missed payments between 5 to 7 years ago and I don't see how they could be charging a {$20000.00} late fee. 

The Second one is for a loan for {$5000.00} that shows I owe {$5800.00} ( XXXX ) In the past 4 years I have paid them {$4500.00} Please keep in mind I am only able to see back 4 years with XXXX XXXX If I recall I took over paying them when they were past due by 3months around 7 years ago and have never missed a payment since. That would mean I have paid a total of {$34000.00} on a total loan amount of {$23000.00}
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIBANK, N.A. (IL)

I'm a fist time home buyer hoping to purchase my dream home, then I choose Citi bank to finance the mortgage everything was going well until they change my loan office in charge of my loan. the people who took over from her was very negligence. my closing day was supposed to be XX/XX/2023, and the loan processing started since XX/XX/XXXX, 2023. it was always very difficult to get the loan processor on the phone, and if I send her email her respond delay. we have 45 days to go through this whole process. all document they ask was sent promptly. last week when I see the closing date was getting closer, I have to send another email and copy customer service. each day I will not ear from then, until i send an email and they will respond that I should send another document, which I will send to them right away. this was going on and on until we get to this point and the seller of the property have decided to cancel the contract. because my closing day past and loan have not still clear to close. they now promising Friday XX/XX/XXXX for closing. I put a lot of time and energy in this. i want to be compensated for my time and return my {$650.00} i have earlier paid to them for processing fees. this is due to their staff negligence. they treated me very very bad.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for the Capital One Quicksilver Credit card on XX/XX/XXXX and was approved. 

Capital One Quicksilver credit card sign up page link - https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their sign up page states the following - New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
Card offers with a rewards bonus are available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. 

I applied for the card for this sign up bonus. 
I successfully spent the {$500.00} required to qualify for the {$200.00} sign up bonus but the bonus never showed in my account. 

I reached out to QuickCustomer Care on XX/XX/XXXX, Friday to inquire about the same. They told me that I did not qualify for the bonus because it was not on my account. I told them that this offer showed on my sign up page. They told me that My credit card account is not eligible for the bonus. The customer care rep cut the call on me when I insisted that I should qualify since its on the sign up page. 

I called again on XX/XX/XXXX, Friday to ask about the bonus. They told me the same thing. I asked them to escalate this to find why I was not being given the bonus even though I meet all the qualifying requirements for the bonus - the Quicksilver credit card was my first account with Capital one so I was a new card member and I had spent the qualifying amount of {$500.00} per the sign up page. They told me they would get back to me but there isnt much that would change since the offer did not show on my account.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-07-24
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (IL)

Reference Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for your prompt response to my concerns. I appreciate your willingness to address the matter and your request for additional information. In my complaint I have provided all necessary and lawful information required to dispute this account. Given the nature of data furnishing, it is your fiduciary responsibility to ensure the completeness and accuracy of the reported information. This obligation is also in accordance with the Fair Credit Reporting Act. Considering the inability to verify the information in question per your response stating I am unable to confirm your information at this time, it would be in violation of the law to continue reporting this data. The Fair Credit Reporting Act specifically addresses the verification and reporting of data, and in light of your acknowledgment of this issue, I urge you to promptly remove this information from all credit reporting agencies, including credit bureaus and any data reporters. '' As previously stated, the Fair Credit Reporting Act ( FCRA ) clearly outlines the necessity for accuracy and fairness in credit reporting. It is imperative that the information provided to the credit reporting agencies complies as indicated in 15 USC 1681b ( a ) ( 2 ). 



The accounts mentioned in my previous correspondence, specifically the XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, were included on my credit report without my written authorization, and per your admission, is unable to be validated constituting a violation of the FCRA. Given this information, I urge you to take immediate action to rectify this error and remove these inaccuracies from all credit reporting agencies and bureaus. 



I trust that your office will handle this matter with the necessary diligence and compliance with the laws outlined in the Fair Credit Reporting Act. Please provide me with written confirmation once the necessary steps have been taken to rectify this situation. 



I look forward to your prompt resolution of this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION (OH)

I have multiple private students loans with Sallie Mae. I am a mother of XXXX teen kids and pay {$550.00} a month to Sallie Mae, and {$360.00} a month to XXXX. 

I have tried to work with Sallie Mae but they are not willing to see I can not afford {$550.00} a month. 

I also filed XXXX about 5 years ago and recently Sallie Mae XXXX some of the loans with them, but could not explain why they all were not being XXXX. They refused to discuss the matter and told me they just didn't know. 

I feel if XXXX loan qualifies to be XXXX with them then they all should, or at the very minimum explain how they came to that decision. 

I am a XXXX and worked all through COVID and have not missed a payment. This is becoming more difficult as I can not refi to a lower interest rate because of BKO XXXX yrs ago. I was forced to file BKO as a result of a divorce
Consumer complaint received 2017-07-09
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

An employee with ace cashing changed the last digit of my driver linsence. The check was from XXXX XXXX in the amount of {$5000.00}. The last digit of my linsence is XXXX not XXXX. XXXX XXXX was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number XXXX. The courts shows I was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. The new loan is with XXXX XXXX.
Consumer complaint received 2017-09-05
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 (GA)

My father XXXX XXXX suddenly leaving no will and many debts, I was on XXXX, I have now been able to get a job, but I still have lawyers and other debts from my father 's XXXX. I have explained this to Capital One, I may be filing bankruptcy, but I am trying to avoid this. Even so Capital one calls at XXXX XXXX, with a recorded voice, a woman named XXXX , I work odd hours, so the calls wake me up, they even call on Sunday. They refuse to give me sometime to get my finances straight.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX Date Opened : XX/XX/2023 Amount : {$6000.00}