davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (MO)

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. 
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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPEN ACCOUNT STATUS HARD INQUIRIES
Consumer complaint received 2019-03-21
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4.  XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX   XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX
Consumer complaint received 2018-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

Have called Navient trying to lower payment from XXXX a month to a lower payment due to illness. Every time we call we get a different story and the final call the rep very rudely said they could not do anything and hung up. This has been going on for over a month. I am the borrowers Mom. I refinanced these loans with Navient XX/XX/17 with my daughters permission. She added me as a co-signer and I have been making the monthly payment for 15 months. They did send me the promissory note I am listed as a co-signer but never sent it to me for an electronic signature thus my daughters signature is the only one listed. I believe they never sent it to me to sign. All we want is the payment reduced temporarily until I am able to return to work after my illness. This is extremely frustrating and stressful. After at least 5 calls with different answers, asked to speak to a manager and they would not and hung up. This is very upsetting and I.m hoping you may be able to help. I as well as my daughter have excellent credit and do not want to jeopardize this by not being able to make the payment. Thank you
Consumer complaint received 2022-05-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by XXXX, XXXX, and Equifax. XXXX, XXXX, Equifax are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. XXXX, XXXX and Equifax has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.
Consumer complaint received 2022-05-04
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. (OK)

In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have 2 inquiries on XXXX  and 1 inquiry on Transunion that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 XXXX XXXX XXXX on XX/XX/20 TRANSUNION
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

I have and account with Navy Federal Credit Union that my employer transfers {$200.00} every two weeks via ACH. I recently authorized all of my paycheck to be deposit into the same account. When I made the change I entered the last three numbers on the account wrong. I was not aware of that until I checked my account for the deposit. 

I called Navy Federal and was informed that the account that the money was transferred to was not associated with my account. I called back and spoke with XXXX XX/XX/24. I explained the mishap and he advised me he could fix the problem it would only take a few minutes. He placed me on hold. When he returned, he informed me that he could not transfer my money to my account. He stated that he could see that the money was in the wrong account. He stated that my employer had to fax a letter of " Indemnity '' to them.

I called my employer and informed them of the situation. They stated that they will reach out to our bank and request that the money be returned. Navy Federal is not complying and being very difficult. I even went into the bank with all my information and ID and they still denied me. They were very unhelpful and treated me as if I was trying to commit fraud. That's all they kept saying. I was never so humiliated in my life..
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am filing a complaint against Bank of America because they are attempting to collect a debt that I do not owe them. That debt has been paid and the account was closed on XX/XX/2019. Account Name, Bank of America, Account Number, BOA.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

After beginning to pay off my loan with XXXX/Navient, I had paid additional money to pay down the principle of the loan faster. This money was not correctly allocated and only pushed forward my payment due dates. By the time I had discovered this, I had accrued far more interest than was necessary. Additionally, when contacting XXXX/Navient to fix the way that this allocation was being made, it was made extremely difficult to have the money allocated in a way that would make the amount of interest I was paying lower. Navient consistently ignored my requests despite several calls to their service center asking for my extra money to be allocated to my highest interest loans and for the minimum to be paid on each of my others. When calling and complaining about this issue, I was told that I must have given incorrect instructions or that I had not provided the correct information for the payment to be processed correctly despite using the exact methods that I had been told to use in my previous conversations with customer service representatives. I believe that these were intentional efforts to force me to pay more interest on my loans and that XXXX/Navient are defrauding XXXX Americans who are simply trying to make good on paying for their education.
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # 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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-07
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. (NJ)

U.S. Department of Education sold my information to XXXX  XXXX and XXXX  XXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I paid off my credit card to a XXXX balance on XX/XX/XXXX and XX/XX/2022. Capital one charged an interest fee on XX/XX/XXXX to an account thats had a XXXX balance since XX/XX/2022. I called on XX/XX/XXXX to dispute the charge and they would not remove it. I asked for a supervisor who also said they will not remove it. I then asked to speak to her supervisor and she said I need to hang up and call back if I wants to talk to someone else. Frustrated, I immediately hung up and called back and the female that answered hung up the phone after I notified her I want to dispute the current amount on my account which is their interest of {$9.00}. 

Absolutely terrible customer service. Thats just unacceptable to hang up and not call me back. 

I have a second account and Ive never had a company charge me interest when the account has a XXXX balance. It literally does not make sense no matter how much they explain it. How do you charge interest to a XXXX balance? How do you charge interest to an account with a XXXX balance and claim its from 2XXXX weeks ago? The entire 2+ weeks thats gone by its been XXXX balance. I can understand charging me if I still have a balance on the account but its literally been paid off for awhile now. Also my payments were all made way before the due date which is the XXXX. 

Based on how the customer service was handled today It seems they want me to stay in debt by this deceitful practice of forcing me to pay interest for something I paid off already. 


I have absolutely never had any credit card do this where they charge an interest way after the fact that the account has been paid off and Carrying a XXXX balance.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

My payroll direct deposit is linked to my American Express Serve card. I receive a payroll deposit on the XXXX and XXXX of each month. When I checked my deposit on XX/XX/2018 my funds were not on my account. I phoned American Express Serve to see if the deposit was received. They informed me that there were no pending deposits on my account and to check with my employer. When I arrived to work I spoke to my principal and found out that in fact the deposit was sent and I have my paystub showing the direct deposit. At XXXX XXXX I received an email from American Express stating my direct deposit had been interrupted and they were trying to fix the problem. It is now XX/XX/2018 and I still do not have my deposit on my account and it is XXXX XXXX. They will not tell me where or when my funds will be deposited.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

Payroll check for amount {$2900.00} was deposited on Friday XX/XX/18 into joint account shared with my wife. Chase has put a hold on this check and is collecting NSF fees of {$34.00} each occurrence on my auto pays because they continue to have my payroll check on hold for unknown reasons. 

Payroll at my company and XXXX who have issued the check have explained there is no reason why Chase should put a hold on a payroll check. Everyone else has been paid at my company from the same payroll.
Consumer complaint received 2022-05-04
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX # XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I staked XXXX in a crypto currency called XXXX XXXX this past XX/XX/XXXX, knowing and agreeing to have my money help finance the launch of this new blockchain. I expected to be able to trade within 3 months time, ( the only update they have posted for months now says that trading will be made available in the latter part of the year ). It is now XXXX XXXX, and it has not yet become tradeable. Unfortunately, I need to access my funds, and need to quite urgently, as I am unemployed AND moving, AND starting school. Not only am I unable to cashout and close my account, but they have made it completely impossible to do so ... to the extent that I am locked out of my account, and unable to even look at my portfolio. I have called at least XXXX times. Lately, I have realized that if I call in the middle of the night I can reach a human. But these humans are low on the totem pole, and unable to do anything to help navigate me through this disaster and close my account. I have been told to contact support via email to " escalate '' my account, but I am unable to even do that, as I can not make it past the authenticator page which doesn't work - no matter how I try, or even when their own support has tried. One customer service agent suggested I open a 2nd " upgraded '' account, and sent me the link to do so, thinking that if I could get my ID verified AGAIN, which I've done at least 6 times now, on the new account, then-being the same person, I could transfer the coin to this account, bypassing the hiccup of XXXX that I've tripped into, and cash out there, and close THAT account. So, in XXXX min time, ( on this new account ), I did what I haven't been able to do in XXXX weeks or more with my other account. Obviously, they don't want to close or cash out this staked XXXX, why? I don't know, it is more than a bit frustrating, and like I said, I am VERY in need of the cash, or I wouldn't bother! I have never in my life had such a blatant series of website flaws prevent me, maliciously, from accessing my money, and I have never in my life, had such a poor customer support experience. I'm beginning to think I won't ever get my money out, and if I don't come up with the {$500.00} I need for gas and classes this coming Monday, this experience will set me personally back the XXXX I have invested in my future career, as I won't be able to fund my very long commute to my temporary lodging XXXX hours away from where I live, therefore miss my classes altogether, because after 2 months of trying to cash out and close my account, Coinbase simply won't let me. 
Please help me. I'm desperate to aquire mediation in hopes of a resolution before XX/XX/2021. I am desperate to close my account, and they simply will not do it, nor will they respond to my tickets with any actual results that will make this happen. I am sick about this. This business needs to go. Awful experience. Unreal.
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

We wire-transferred US {$150000.00} on XX/XX/2019 from XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX NY to Wells Fargo Bank NY for payment to our affiliated company in New York. 

We subsequently found that the wire-transfer was a fraud as our affiliated company in New York does not maintain any account with Wells Fargo Bank NY. We therefore instructed XXXX XXXX XXXX ( NY ) to stop the wire-transfer on XX/XX/2019 and obtain refund. 

Wells Fargo responded on XXXX XX/XX/2019 that it had reported the matter to its Fraud Department, but was unable to refund because there were no funds available. XXXX XXXX XXXX XXXX XXXX XXXX sent another enquiry on XXXX XX/XX/2019 asking for more information. Wells Fargo further responded that payment of the subject international wire-transfer had been effected on XXXX XX/XX/2019 under its reference XXXX despite the name and account did not match. No funds remained and they closed file. 

We consider it the responsibility of Wells Fargo to match the name and account of the beneficiary before releasing the funds of the international wire-transfer. Wells Fargo is also responsible to refund the fraudulent payment to the remitter and to compensate the losses so incurred, because it had failed to act professionally to avoid paying the wrong party when handling international wire-transfer.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been having problems convincing SLS Loan servicing Co. that i am no longer responsible for my loan since 2016, when a shady 2nd mortgage company purchased my 2nd from a bankrupt loan company and lay stealth without me being able to Negotiate or Communicate with them,, They inflated the loan amount and fees from XXXX to XXXX pay off,, then they wanted me to pay a unreasonable amount to reaffirm my loan to get it currant status ... in which they foreclosed on me,, a trust deed sale to posses the home, The kicked me out, XXXX Then on top of that they never paid the first which was SLS,, And the 2nd mortgageCo. XXXX XXXX.. Then pay my payments late every other month 18 times since 2016, They never Contact SLS,, I sent numerous Times To SLS all the Court /auction paperwork, And SLS   KEEPS ON PUTTING Derogatory s on my credit Reports,, For Years, Help me ... Please.. Thank You XXXX XXXX
Consumer complaint received 2022-05-04
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. (OK)

In accordance with the Fair Credit Reporting acXXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions