davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
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've been in contact with XXXX since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online XXXX website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CO)

XXXX was taken from my savings account by navy federal to pay off an account they say that I am the joint owner on. Since they say I was the joint owner and not the account holder, they didnt have to send me any correspondence regarding default on the account, or that they would take money from my savings, not my checking but my savings account to pay for this account.
Consumer complaint received 2022-05-03
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. (GA)

accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 602 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-11-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

Student loans through Nelnet, being issued in chunks, each distribution is an individual loan. In my case I have 7. Payments are made as one sum which is a grand total of what's owed for each loan. If a payment of this sum is missed or late. It is reported to the credit bureaus as 7 individual hits. So because of one missed payment your credit is hit 7 times. Which means your credit scorXXXX could be dropped 80 points from one late payment. This does not seem like a proper or fair practice of reporting.
Consumer complaint received 2018-11-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (IN)

On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$300.00} due on the XXXX of each month. This payment was made monthly and the last payment was made XX/XX/XXXX covering the XX/XX/XXXX payment. The next payment being due XX/XX/XXXX. 

On XX/XX/XXXX, through no fault of my own the XXXX XXXX XXXX was totaled. 

On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$320.00} due on the XXXX of each month and the first payment was made on that day XX/XX/XXXX. 

This payment schedule should have stared no sooner than XX/XX/XXXX, when the original next payment was due. With the {$320.00} paid on XX/XX/XXXX covering the first payment, the next payment should have been due XX/XX/XXXX. There was an overload of information presented and I was not aware of the new accelerated payment date, which I believe to be inaccurately early. I missed the accelerated XXXX payment. I was not spoken to by phone and saw no mail or email from the Leasing agency regarding this lapse of payment. 

I ended up making a {$650.00} payment for both XXXX and XXXX on XX/XX/XXXX. 

Because of this unjustly accelerated payment plan, my payment was just over 30 days late and thus reported to the credit agencies causing me to be rejected for loans I could easily carry. 

I spoke with the leasing agency and explained the situation and requested they remove the late payment and they said there was nothing they could do. I spoke to XXXX ( his supervisor XXXX ) they refused give me their last names or employee identification numbers.
Consumer complaint received 2018-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Transferred {$3000.00} on XX/XX/XXXX online from XXXX checking account to CoinBase a Crypto Currency company based in XXXX XXXX, Ca. 
On XX/XX/XXXX or XX/XX/XXXX CoinBase sent me an email informing me there was suspicious activity on my account and my account would be frozen for 3 to 5 days. The next day I got an email from them informing me my account would be frozen for 30 days ( calendar days not business days ) I was told by the phone rep of Coin Base. 

I have called them about 5/6 times for clarification and their phone reps were unable to offer any information about why or for how long my account would be frozen I informed them on one of these phone calls I want to close out my account and to send me my money back They said my account was frozen and they can not give me my money back until it is unfrozen. 
Yesterday, XXXX XXXX I was able to talk to a CoinBase supervisor and he informed me that my account would be unfrozen on XXXX XXXX. HE said that the amount of time my account was frozen was totally wrong and he would do his best to rectify my problem. He said he should have an answer for me by close of business XX/XX/XXXX ( yesterday ) I contacted him by email today XX/XX/XXXX to inform him of his not rectifying the problem and have not heard back from him I feel CoinBase has been less than honest or fair with me in this problem and I would like to file a formal complaint against them Thank you
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.
Consumer complaint received 2018-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (AZ)

I took out a loan through XXXX. I received the money. I was struggling financially and could no longer afford the payments on other payday loans I also had taken out. I reached out to a debt relief agency. A Cease and Assist order along with PoA was sent to the company on my behalf from the debt relief agency. Since doing so, I have been receiving 5-10 calls per day from XXXX. I refer them back to the debt relief agency, but still receive multiple calls. It is becoming harassment at this point. I have attached the document specifically telling the company that they are no longer to contact me directly.
Consumer complaint received 2018-11-28
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: DISCOVER BANK (VA)

I have asked Discover bank for a dispute and explained to them that I am victim of fraud of cooperation of two Companies of XXXX   XXXX and XXXX XXXX. But Discover bank after 2 weeks took it out of dispute with no explanation until I called them. Their reason was because it is aged.I also explained because of that fraud I am completely drained out of money, on top of that because of medical issues I am not able to work and and do not have income. They have come up with solutions that does not work for me and instead they have sent me letter, that they are going to increase the interest which will make my case even worst, I am already under a lot of pressure and sick and stressed out. for more explanation please see below : XXXX XXXX XXXX ( works ) with a crook XXXX XXXX company and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me. A year ago I trusted XXXX  and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX 's programs and in return charge/gain almost {$4000.00} in commission. As a result of their partnership, I am under {$60000.00} of debt in credit cards that am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months. At the moment, there is a legal case taking place against XXXX XXXX in federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it. ( XXXX ) XXXX XXXX  was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission. To me XXXX XXXX is as predatory as XXXX XXXX, because without XXXX   XXXX, XXXX would have been powerless and would not be able to prey on innocent people who believed in them.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 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 an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (FL)

I contacted BBVA Compass Bank after I noticed that several credit card accounts were open Fraudulently from XXXX XXXX XXXX   and the payments were being taken from my second checking account. I advised both banks the XXXX disputed amount had to have been a roommate that rented a room from me for about six months. After he recently moved out I noticed things in my dresser drawer were missing such as money, Identification, and Credit Cards from companies I did apply for.
Consumer complaint received 2022-05-03
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. (SC)

I wrote to TransUnion in XXXX and XXXX of XXXX  and called in XXXX of XXXX  and explained that a mortgage company I am working with said that my credit report shows open disputes for closed accounts and the disputes need to be shown as closed. I have asked TransUnion to update this information and to date they have failed to update these accounts accordingly. These incorrect dispute comments are hurting my credit and causing issues with the approval of my mortgage. 
My two XXXX XXXX XXXX XXXX accounts that are closed need to show no open disputes and the dispute comments removed as the disputes have been resolved with XXXX XXXX and the accounts are now reporting correctly.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a collection account that is reporting on my credit report from XXXX XXXX I have paid this collection and in turn received a letter from XXXX confirming that they will indeed request the credit bureaus to delete this account. This occurred on XX/XX/XXXX, however, as of XX/XX/2021, the derogatory account still remains on my credit report despite written confirmation from XXXX that it would indeed be deleted and that a request has been sent for deletion as well. I have attached the letter from XXXX below.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

XX/XX/XXXXXX/XX/2019 I mailed my monthly payment to Nelnet as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XX/XX/XXXX XX/XX/2019 I receive a notification saying that my five of my accounts with Nelnet are 90-140 days past do. I called Nelnet and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to Nelnet monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.
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. (MS)

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 2018-03-13
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. (CA)

Transunion is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not, so I am filing this complaint against them for unfair credit reporting. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

In XX/XX/2018, I sent a payment to Chase for {$100.00} before a statement was sent to me as this is a very new account just opened. I placed my name, address, first and last four numbers of the new account on the money order as well as enclosing a copy of the new credit card with the entire number. Unfortunately, my payment was placed on another person 's account. After calling and calling to check on this payment, the payment was found and finally credited to my own account. Then the next time I called Chase to check this payment status, I was advised that my address that I gave was not my address because another address was on this brand new account. This was not true, the address I submitted on the new account is the same as my current address. Lastly, it appears that I was charged twice for a XXXX XXXX membership on my XXXX XXXX Chase Credit Card and on my XXXX in store account. Thus, I requested this refund of {$13.00} for the XXXX membership. As a result of all of these errors I reported this to the Executive Office of Chase Card Services who initially refused to call me back after the initial request to investigate these issues and was told that a credit of {$13.00} was being placed on my account for the inconveniences. However, the {$13.00} credit is not for the inconveniences but for the dispute in process. The Executive in the Corporate Office of Chase would not transfer the call to her superior or allow me to leave a voice mail message. Mistakes are being made on my account over and over within such a short period of time and the contact person does not wish to credit my account for the events that are unacceptable. I have spent hours and hours attempting to correct these mistakes and requested only a {$50.00} credit for my time and assurance that these errors would stop.
Consumer complaint received 2018-10-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Casesa Bowden Barlow, P.A. (FL)

I am being constantly harassed a third party collection law firm claiming there is an outstanding balance for a XXXX final hearing that never even occurred, after my having already paid thousands of dollars in 2017. The collector claims to be an attorney and repeatedly calls in a nasty, harassing and threatening matter, having already been told to cease.
Consumer complaint received 2021-12-07
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. (MO)

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 2020-01-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

Received {$500.00} Vanilla  Gift Card. 
On XX/XX/2020 noticed ( via VanillaGift.com ) THREE XXXX transactions totalling approx. {$150.00} by someone other than myself. 
I notified Vanilla Gift card Customer Service # XXXX on same date, XX/XX/2020. I was given a Case ID # XXXX and that I would receive a " Dispute Packet '' in 24 hours. I did not receive the packet via email ( and also was not able to use the card nor have access to it online ) and so I called next day, XX/XX/2020 to request packet. Received their Dispute Packet via email and completed form and faxed XX/XX/2020 using their form. I called to confirm receipt of my fax on XX/XX/2020 andXX/XX/2020 which rep. could not confirm was told back office has up to 10 business days.

On XX/XX/2020 I called and was told that the Case ID XXXX was deleted and gave me a new one, # XXXX ( which would start the 10 day review process by their back office all over again. ) I faxed their Dispute Form again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and  called each day to confirm receipt of my fax which rep. could not confirm as back office has up to 10 business days. I called XX/XX/XXXX ( on the 10th  day from XX/XX/XXXX 2nd case # ) and was told by rep. that their back office did not receive my faxes. Gave rep all dates faxed, all my calls to follow-up and have fax confirmations of all being received. I gave rep the number that I faxed from and confirmed their fax information. To date, I have not heard nor received a response on the status of my dispute.
Consumer complaint received 2018-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

I went to the urgent care and I had paid my co-pay. The insurance paid their portion once the bill was submitted. I had {$0.00} balance but I got sent to a collection agency. When I called, I told them that this was paid off and they told me that they were going to delete out of my credit but they never did.