davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
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. (MA)

I was approved for a total XXXX discharge on all of my student loans with the department of education/XXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of transunion to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.
Consumer complaint received 2019-06-22
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: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

Hi there We had a issue with our apartment complex, had a XXXX XXXX XXXX son, moved to XXXX XXXX apartment complex in XXXX KS, asked them to fix but they could not do, we decided to move and called them to give 30 days notice, gave but they gave us big amount and gave us to collection.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Camelot Financial Services, Inc. (OK)

I have and installment with XXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from may. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXX XXXX, which is right next door to XXXX XXXX. XXXX XXXX   XXXX are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Applied checking account with {$250.00} open account bonus promotion.     The requirement is " To receive the {$250.00} promotional credit to your primary  Wells Fargo  checking or savings account, the following requirements need to be met  ; * Make 10 p urchases or payment with your  Wells Fargo Debit C ard or * Establish a qualifying Direct Deposit on an accumulated {$500.00} or more The {$250.00} credit will post to the account within 60 days of the account opening. ''  XX/XX/17    Account opened with {$50.00} initial deposit  XX/XX/17    {$500.00} direct deposit from my employee   XXXX     Another {$500.00} direct deposit from my employee  Submitted   XXXX  forms and went to Bank for signature and so on as they indicate as reasons for holding the bonus.     Bonus never posted.      XX/XX/17    Receive letter that I did n't meet the requirement for the bonus  ( le tter dated as  XX/XX/17    ). The requirements are the same as I cited earlier and the same as what I saw when open the account.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (FL)

I am currently managing a XXXX not for profit, XXXX XXXX XXXX, we have a company Banking account that has ZERO servicer fees, NO minimum balance requirements - essentially a free bank account. Recently I noticed a " Service Fee '' of $ XXXX/mopnth appearing on mu statement. I went into the local BB & T Branch and asked why were received fees. The answer I got was suspicious and appeared to be fraudulent on the banks ' behalf. Apparently the fee is for Checks that we write, where they image the check to the statement, this not something we enrolled in, rather they do it and charge us for it regardless if we havea check written or not.
Consumer complaint received 2023-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Upon speaking to XXXX, my current student loan servicer, and the XXXX XXXX who confirmed the balances of my loans, and which servicer currently has them high, called Nelnet my prior student loan servicer and requested a refund of a loan payments on a loan that was closed and therefore not transferred to my current loan servicer XXXX. This triggered a supervisory escalation since the customer service representative was unfamiliar with how to handle this situation the customer service representative who was the pod leader XXXX informed me that nelnet has a informal internal policy to deny refunds to accounts that are closed and paid in full since they do not want to deal with the transfer to new servicers. I have made multiple voluntary payments after XX/XX/2020 that should be eligible for refunds towards this loan that is currently closed with Nelnet and due to a internal policy they are telling me that they can escalate it. However, it will be denied due to their policy of not refunding loans that are eligible for a refund simply because they are off the books. This was done on a recorded line.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I just read the company`s response. First of all they have the incorrect sales date. They have it on their response that the vehicle was purchased on XX/XX/XXXX, it was XX/XX/2022. Secondly, they state that they paid the dealership {$28000.00}, the correct amount was {$27000.00}. 

Also, Wells Fargo Auto Finance should have known better than to pay out for a loan of that magnitude without checking the XXXX XXXX XXXX XXXX. They also state that they were not resent, they didn`t need to be present. They should have checked the value, and asked for photos of the vehicle seeing that it was used and had over XXXX miles on it. They didn`t do anything correctly. 

Another thing they should have asked for was proof of income in written format, they did not, and it is required that they see three months on Bank Statements. Wells Fargo Auto Finance made a huge amount of errors, so they will have to refund every payment I've made and take the vehicle back. I only receive {$870.00} in SSDI payments, I have the award letter attached to this.
Consumer complaint received 2021-06-11
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX  and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (PA)

Upon review of my credit report I discovered a loan account that I did not authorize and have XXXX knowledge of. I do not have a relationship with XXXX XXXX but they have me documented as having acquired a loan in XX/XX/2022 in the amount of {$17000.00}.
Consumer complaint received 2019-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Coinbase has an account called Vault, where you put some extra barriers in place to protect against malicious withdrawals. I recently transferred some funds to my Coinbase Vault, but Im unable to access them because i dont have access to an old work email address ( the second of two email addresses tied to the account ). I do have access to the primary account email.

I contacted Coinbase several weeks ago and Im glad to provide any needed identity verification. I have received no response and so my funds are inaccessible to date.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.
Consumer complaint received 2021-06-11
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-02-17
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. (PA)

Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Prepaid Ventures, LTD (NY)

DEAR REPRESENTATIVES, I am reporting a deception of 2 prepaid card banks that in the debit card contract do not show details of Limitations or restrictions that they have. 

After opening the account with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Member FDIC ) pursuant to a license from XXXX XXXX XXXX " XXXX XXXXXXXX XXXX '' and " XXXX '' are registered trademarks of XXXX XXXXXXXX XXXX. 

This card in the prepaid card contract and the consumer details the countries restricted for them and the services that are limited in certain countries. Neither in the debit card contract nor in the privacy policy do they state the countries with restriction of services or use. 

This caused me to lose time in my travel planning to the specific country that I wanted to travel to because I was going to use this debit card. I thought I could use this card in another country at the ATM to withdraw funds, after I have the card and review the contract and the privacy policies and everything they show on the website, I call customer service to perform the Travel alert and I find that they inform me that in the country where I am going they do not have access to ATM cash withdrawals, in this case the XXXX XXXX XXXX, XXXX. This detail is not written in the privacy policies or in the contract. Also there is not a single detail that says that there are limitations in different countries. 

Please I want to report this prepaid debit card bank because they are misleading customers and omitting information. 

Thank you, I hope for help and a prompt response from you please. other consumers need not to be deceived and be updated on this problem so that they do not make the same mistake as me and are not deceived.
Consumer complaint received 2019-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Flagstar acquired my mortgage from another lender ( I had no way to object to this ) on XX/XX/2019. 
We were acquired from XXXX XXXX. We pay half of our monthly payment every 2 weeks. There are 26 weeks in a year and we make 24 half payments. This gives us the month of XXXX with no mortgage payment. We use that money for XXXX gifts. 

With Flagstar Bank I can't make a half payment. When I make an early payment. The payment is credited to principle not to the next due payment. Then when the actual payment is due they say I'm late and charge me {$50.00} along with attempting to get another payment or have my credit report tarnished. I have to call to have them credit the early money toward the monthly payment not the principle.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (IN)

XXXX XXXXk and Zwicker & Associates tried to collect a debt that was beyond the statue of limitations and forced me into a second arbitration after XXXX defaulted in the first arbitration. " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over my credit history. 
XX/XX/XXXX, XXXX filed a claim against me in small claims court. 
XX/XX/XXXX, case went into arbitration. 
1. XXXX XXXX failed to pay arbitration fees. XXXX XXXX XXXX made several attempts to collect arbitration fees. XX/XX/XXXX, XXXX warned the parties that if fees were not paid in 30 days, they would assume that XXXX is not interested in pursuing arbitration. On XX/XX/XXXX, the case was closed by XXXX XXXX XXXX. This was a breach of XXXX 's contract agreement. 
2. XX/XX/XXXX, XXXX filed a motion to return case to active docket. " XXXX ( wrongly ) alleged that I failed to pay fee. One of the misstatements. 
3. XX/XX/XXXX, XXXX the case was dismissed without prejudice. The court stated leaving this open on my credit history is unduly prejudice. 
4. XXXXXXXX, XXXX, XXXX filed motion to vacate the dismissal knowing the statue of limitation had passed ( see page 4 of 13, # 4 ). XXXX asked to stay the case knowing they were in default for failure to pay therefore XXXX wasn't entitled to a stay ( see page 12 of 13, sect 24 ). 
5. XX/XX/XXXX, XXXX filed a 2nd arbitration. 
6. I filed several motions to dismiss case with prejudice. 
7. XX/XX/XXXX, I was forced to arbitrate ( the second arbitration ). XXXX never supplied me with documentation of the alleged debt and told the arbitrator they did not give me a copy. I told the arbitrator the statue of limitation had passed. The Arbitrator still ruled against me. 
8. I filed an appeal in the Court of Appeals of Indiana. I won my case on appeal. The Appeal Court stated the Small Claims Court had abused its discretion by granting XXXX 's motion and reinstating the action against me three years after the complaint had been filed and 2 years after the matter had bent sent to arbitration. 
9. The Appeal Court stated, " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over XXXX 's credit history. '' " In it's motion to set aside the dismissal, XXXX offered no explanation for its inaction and no good cause for reinstatement. '' 10. XXXX and Zwicker & Associates clearly violated the FDCPA and FCRA I am attaching the Court of Appeal Opinion and the remanded ruling from the Small Claim Court. 
.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (TX)

Equifax is reporting unauthorized and fraudulent inquiries I do not recognize. 
Fraudulent inquiries listed : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Equifax never received any written permission or consent from me as the consumer, which is a violation of the XXXX XXXX XXXX Section 1681 b ( c ). This is a breach of my privacy rights.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (GA)

I can not get PHH mortgage to confirm by email or letter that I have paid off my loan in full. 
I have tried repeatedly ... spoken to them on 2 occasions and they say they will send me a confirming letter and email with payoff info. 
BUT I have not recevied either and it has been almost 1 month since payoff on XX/XX/19. 

I have called at least 6 x and been disconnected 2x after 30-54 minutes on hold. I have spoken to Escalation Managers ( XXXX # XXXX ) 2x after being on hold for over 45 minutes. I was promised email in 24 hrs and letter in 7 -10 days ... no response. 

I have sent email complaint to XXXX ... got 8 responses in 1 day that they would call me within 5 days ... .no calls. 

I sent email complaint to XXXX ( parent co. ) and it came back undelivered. 

I have received double invoices for payment AFTER I have fully paid off the loan! 

I have tried to reach the VP of Mortgage Servicing XXXX XXXX but his office goes to voice mail and on hold / disconnect. 
PHH is either dishonest or incompetent but I deserve better as I was a great customer for their mortgage business. Never late etc
Consumer complaint received 2019-04-17
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: Experian Information Solutions Inc. (TX)

I explained to this Experian company plenty of Times This was a Gap Refunded Check that the company said that they refunded by error this wasnt no line of credit are a loan I had this removed by the other credit companies because this was false information to put this on my credit I will fight this over and over to remove this of my credit report
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I overdrew my account due to errors related to my XXXX XXXX transactions for {$100.00} and {$230.00} on XX/XX/2019 resulting in two overdraft fees of {$34.00} each, one stop-payment fee of {$30.00}, and additionally, two returned payment fees of {$34.00} each on XXXX  bill of {$5.00} and my electric bill of {$120.00}. I called many times to get those fees reversed. They only waived {$12.00} out of the total of {$170.00} in overdraft and other fees charged to my checking account.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

requested refund for {$24000.00} from aidvantage on XX/XX/2022 in order to qualify for student loan relief. I was told I would receive the refund in 4-6 weeks and no payments would be taken from my bank account until after XX/XX/2022. My balance is showing XXXX ( paid in full ) but a payment of {$320.00} was taken from my account on XX/XX/2022. It has been 7 weeks since I requested the refund and I haven't gotten it or any confirmation that it was even processing. Can not get a straight answer from any customer service agent when I call.