davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2023-02-10
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: Prosper Marketplace, Inc. (MD)

I initiated a balance transfer with my XXXX credit card to transfer from my Prosper credit card to the XXXX card in XX/XX/XXXX. The transfer posted to my XXXX card XX/XX/XXXX and was advised to allow 8 days for everything to reflect on my Prosper account balance. I emailed Prosper services on XXXX to confirm that they received the balance transfer initiation from XXXX and get an estimate of when my balance would reflect the deduction. I still have not heard back from Prosper regarding my inquiry. 
Called several times to have reps say they dont have anything in their system showing a pending balance transfer. Finally call back today XX/XX/XXXX to have them say the same thing. I did not accept that response and asked more questions because now it appears I have more credit card than I actually do which in turn also results in lower credit ratings. The reps inform me that although they dont see a balance transfer request, they dont allow transferring balances to other cards. Shock to me as Ive read through my terms and conditions more than once and nothing states they dont allow balance transfers. She insisted that its showing in her terms and she cant help me any further. Prosper has many shady financial and reporting practices.
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (AR)

I decided to pull my credit because every single tme I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$610.00}
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX denied purchasing {$500.00} even after a card payment before the due date. Now the limit has been decreased to less than {$1000.00}. I want Amex to send me by letter a complete explanation about the situation, the reasons, and detailed dates and amounts spent and paid since the account opening. I will submit this to a lawyer that will evaluate the AMEX promotion sent to me and this history for further action.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OK)

In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a 100 % XXXX veteran. 
Navient the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted Navient they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that Navient was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted Navient by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at Navient that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I disputed the credit card expenditure I made for XXXX XXXX XXXX run by XXXX real estate ( Property Payment Rent on the credit card statement ) in XXXX due to the promise they could not keep about the service I should have gotten. And, the company and I solved the dispute on XX/XX/2021. They refunded me {$300.00} and I had the bank release the payment of {$300.00} to them. We got even. 

I have gotten a call and letter later on from National Credit Systems ( a debt collector agency ) claiming that I have a {$300.00} debt to them. I have told them that I have already paid the debt to the company and I do not owe anything. 

I have also mailed them the letter I got from my bank about the resolution of the dispute and the automatic payment made to the company afterward. 

I kindly request your help to resolve this matter by canceling the debt I allegedly owed to the debt collector agency and have them revise its record. I have also requested the repair it has caused to my credit score. 

Thank you.
Consumer complaint received 2021-10-11
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-10
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. (CA)

I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

ACCOUNT # XXXX I received my Capital 1 's Auto statement on XX/XX/XXXX reflecting my XXXX bill is due on XXXX in the amount of {$520.00}. I paid {$600.00} on XXXX. I have always paid the bill shortly after receiving the statement ; however this time 2 my bill still showed balance due two weeks later. I called and spoke to a representative at the end of XXXX and he stated the payment had been applied to my principle and not as a payment and that he would correct this. 

On XX/XX/XXXX I received a notification that my account was past due. When I called the I spoke to a representative by the name of XXXX, she stated that my payment was still being applied as a payment to my principle instead of my bill and that she would submit a request allocated to separate the payment correctly ; however there still has not been any change. I am still showing past due now with a balance of {$1100.00}. I have already paid this bill and currently am being penalized for their " systems ineptitude ''. They have ignored my request for 2 weeks and this will affect my credit.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (IL)

on XX/XX/2023 I requested to opt out of XXXX Credit reporting which is completely in the legal boundaries and holds legal validity per 12 CFR 1016. XXXX ignored my request completely and continued to report adverse actions on my consumer credit file although XXXX XXXX  made it very clear to me that I did not owe XXXX XXXX  anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for XXXX XXXX  and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Unlawfully placed hard inquiries from third party financial institutes on my consumer report without my authorization or permissible purposes under the FCRA 15 us code 1681b thus violating 15 us code 6803 which prohibits disclosure of nonpublic personal information without the knowing and expressed consent of consumers, 15 us code 6821 and 15 us code 6803.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

This is a follow up complaint subsequent and in direct relation to the previous complaints filed against Shellpoint and Caliber Home Loans. ( Please review those complaints as they are tied to the second and erroneous XXXX forebearance agreement that Shellpoint completed in XXXX ( which I did not request ). I have a COVID forebearance agreement signed with XXXX and myself in XX/XX/XXXX. I HAVE NO IDEA why Shellpoint would issue a new and different agreement i that I did not sign or request ( XX/XX/XXXX ). No one called to ask me about a new forebearance agreement or mention in writing in advance or at any time to me that Shellpoint was deciding to create an entirely new XXXX foreberance agreement, separate from the one I have in place with XXXX. In addition, Shellpoint has charged me a {$15.00} 'Property Inspection Disbursement Fee ' on XX/XX/XXXX that I have no idea what it is for as no one has inspected my property and I did not request an inspection. That fee is now showing up as a late fee on my past 2 ( XXXX and XXXX ) mortgage statements. Shellpoint needs to remove this fee along with any associated late charges. Doing the agreement and adding false charges seems is entirely illegal and I'm sure goes against all kinds of banking/mortgage laws to enact/charge these without my knowledge, agreement or notification. ( Note : the online account/monthly mortgage due amount does NOT reflect the {$15.00} fee due for my next mortage payment. However, printed statements and e-statements DO reflect that incorrect {$15.00} fee due, so even the information that Shellpoint provides is not accurate. )
Consumer complaint received 2021-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have already made a complaint..AES has not responded correctly to my request. I have asked for a Amortization Schedule of the PAID Dollars approaching and ultimately reaching XXXX ( XXXX $ ). They have only sent me a form indicating what I already paid, Which is questionable In itself. They will not send me that Amortization Schedule showing the amount that is left AND the payments left moving towards XXXX XXXX in the allotted timeframe that is left on the Note. THEY WILL NOT RESPOND PROPERLY This is the fourth time Im requesting this. Twice from me once from you,,, this is the fourth time. Someone with some authority has to hold their feet to the flame. I dont want them telling me that there is a Balloon Payment at the end. 

Thank you XXXX XXXX
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Someone hacked into my account and sold shares of my crypto on XX/XX/XXXX. I didn't get a notification from Coinbase that a transaction was made ; the only notification I received was that there was suspicious activity on my account ; specifically, there was an attempted ETH trading. So I received a text from Coinbase that if its not me I should let Coinbase know so they " delay '' the transaction. I did so right away and told them I havent done any kind of transaction on my account. Despite letting Coinbase know that the transaction attempt was not made by me, and that my account was " /disabled, the transaction was nevertheless not delayed ; it was completed although you knew it was fraud. 

On XX/XX/XXXX, I received an email from Coinbase acknowledging that my account was indeed hacked and accessed through an IP address. But, you explicitly assured me in the email that " your funds is still in your account since no external sends and withdrawals were made from the said IP address. '' Now we know that Coinbase 's assurance of account security was false.

Once I recovered my account by providing private information and changing my password, I noticed that my account balance went from around {$27000.00} to {$1800.00}. So, clearly, you could understand why I'm completely suspicious of Coinbase 's actions here if my account was purportedly restricted as of XX/XX/XXXX, as you explicitly assured me. If my account was truly restricted and any external sends were " delayed '' and " disabled, '' then obviously the hacker should not have been able to access my account through XX/XX/XXXX and completely liquidate my entire account balance. 

I am filling a complaint with the SEC regarding the events that have unfolded and the false security and suspicious activity on Coinbase 's end. I have proof of all the emails and texts you have sent me regarding the assurance regarding my account security. To make the matter worse coinbase took my XXXX $ remaining balance in my account to cover for unpaid funds for the cryptocurrency the hacker bought from my account and when I mentioned to them that it was the hacker not me, they acknowledged it but they still took my remaining balance. my
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-01-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters