davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The XXXX XXXX XXXX hired the XXXX XXXX XXXX to handle all its defaulted loans. The XXXX XXXX XXXX is reporting inaccurate information because they received files from XXXX XXXX which is the original loan holder. My loans are fromXX/XX/XXXX and XX/XX/XXXX and they are older than seven years but still want to report them on my credit file
Consumer complaint received 2019-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc. (MD)

I was alerted on Friday XX/XX/2019 by XXXX XXXX of a 52-55 point drop on my credit score due to a collection account by XXXX XXXX XXXX. This company has never contacted me regarding this debt by either phone or mail, but instead filed negative remarks against my credit score without ever notifying me that this collection existed. I tried contacting them and was immediately directed to answering machine voicemail. I have not received any response from them. The balance with the account in question ( XXXX XXXX ) has been paid in full. I believe this to be unfair practice to impact my credit score without ever being contacted about a collection account that I didn't have knowledge of, and am asking that this be removed from my credit report immediately.
Consumer complaint received 2015-09-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I took out a car loan of {$5000.00} from Wells Fargo XX/XX/XXXX. I have made monthly payments, including a {$3500.00} payment XX/XX/XXXX, towards the balance due under the loan agreement. I am disputing the application of my payments to unaccrued interest instead of principal. The amount that should have been applied to principal instead of interest over the past year is {$86.00}. I have called the Bank, I have gone into the Bank and talked with a loan officer, and I have written XXXX letters. The last letter I sent was on XX/XX/XXXX and I have received no response nor have they corrected the error. Is this the type of matter the BCFP can help me with? I am on Social Security XXXX and only make {$20000.00} a year, so this is a big deal for me while I 'm sure it is an insignificant one for the Bank.
Consumer complaint received 2022-04-01
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. (FL)

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. XXXX XXXX XXXX reported this account with a zero balance and pay is agreed to XXXX and also sold the account to XXXX XXXX XXXX with a balance. Experian stated that my account was properly investigated but how is that this account was reported pay as agreed with a zero balance to XXXX and reported as a collection to Experian. this is grounds for removal they also violated my rights under the 15 U.S.C 1681 section 602 A. statue I have the right to privacy. 15 U.S.C 1681 section A 2 : it also stated that the consumer reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I made a wire transfer to COINBSAE INC on XXXX XXXX, 2017 in the amount of USD XXXX. Below is the email that we received from COINBASE stating that our wire transfer will be sent back to my account in 3-5 business days. It been over 2 months and I have not yet received my money back. I have been to my bank and they requested wire recall three times and COINBASE bank did not respond to wire transfer recall despite they told us that they have rejected our wire. Here are the details of the wire transfer 

XX/XX/17	WT FED#XXXX XXXX XXXX  XXXX=COINBASE INC SRF# XXXX TRN#XXXX RFB#	 	$XXXX

On XXXX XXXX, 2017 at XXXX PST "Coinbase Support"  wrote:

Hi there,

Thanks for your interest in wiring funds to your Coinbase account.

We recently received a wire from a name that didnt match the name on your Coinbase account. Unfortunately, in these cases we are unable to accept the wire, so we will return the wire to the account it was sent from. This reversal process typically takes 3-5 business days, but may take longer.

I apologize for the frustration with this. To avoid any difficulty moving forward, please send future wires from an account that matches the name on your Coinbase account. Please feel free to try the wire again from a different account in your name.

Thanks for your understanding and patience, and for choosing Coinbase!

Thanks, 

XXXX
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

I have qualified for XXXX XXXX XXXX XXXX since XX/XX/2021. I submitted my XXXX form for it to be rejected for information that was provided in the form. On my XXXX form, it clearly indicates that I am still employed with my qualifying employer but my application got rejected because " Your employer provided an employment end date on your XXXX Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. '' I've tried calling customer service since XX/XX/XXXX to no avail. On the main Fedloan number, I'm on hold for 90+ minutes, only to have the call disconnected. This has happened numerous times. I've called a Fedloan contact by the name of XXXX and left messages. She has not returned my calls. I've messaged Fedloan on XXXX and received no reply back.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ Status/ Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX Bank XXXX XXXXPotentially Negative Date Opened XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX XXXX  /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$650.00} Status/ Account charged off. {$450.00} written off. $ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} XXXX {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed
Consumer complaint received 2024-02-20
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. (GA)

I am writing to escalate my ongoing concerns regarding the discrepancies persisting within my credit report, as previously discussed via the Consumer Financial Protection Bureau ( CFPB ). It is with deep consternation that I continue to encounter unfamiliar entries on my report, signaling a fundamental issue that demands immediate rectification.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have provided the necessary documents and information to Trans Union and XXXX XXXX regarding an unauthorized account reporting on my credit file. Trans Union and XXXX XXXX still has yet to provide me with the requested information.
Consumer complaint received 2018-06-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

My private loan was serviced through Navient Loans. My payments were taken through automatic debit. On XX/XX/XXXX, I received a letter, which stated that I owed {$66000.00} -- this was fine and what I expected. I continued making payments that month. However, on XX/XX/XXXXafter a payment had been made, I was informed ( erroneously ) that I owed {$71000.00}.

When I inquired why my loan amount had been increased by {$4300.00}, I was told in a letter that Navient was told by my school that I was not an actual student during my noted years in school. When I corrected this by providing documentation that I was a student, I did not and continue to not receive any restitution from Navient. There are multiple issues in this case where Navient has acted fraudulently : 1. I never received any documentation from Navient regarding this increase in my unpaid principle. If I had not been monitoring my monthly payments, I would have never known about this increase.

2. Navient has retroactively increased my principle on their website. i.e. all numbers from the XX/XX/XXXX and before reflect this increased principle amount of approx {$4300.00}. If I did not have these pdf letters given as monthly statements, their website actually makes it appear that I have always owed an extra {$4300.00}.

3. Their claim that the amount was increased because my school claimed that I was not a student during this time and had " withdrew '' has already been debunked through documentation. This claim is fraudulent, the school denies it, so the claim was designed to fraudulently increase the loan amount. In addition, after being caught in their lie, even through numerous inquiries ( approx 2 months worth of waiting for their " internal review '' ), Navient has refused to address the simple solution ( pay me back this amount that they defrauded from me ) and instead has let this fester in their own internal process.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (OH)

When building our new home my husband and I decided to work with the mortgage company recommended by our builder, NVR Mortgage. Overall the process was not smooth but in the end we closed on our dream home in XXXX 2015. Immediately after closing our mortgage was sold to another company. Last week we received notification that we had an escrow shortage of {$10000.00} and that our monthly payment was going to increase by over {$500.00}. After reviewing our closing documents and discussing with family and friends we discovered that the good faith estimate of our property taxes provided to us was fraudulent. Our property taxes were estimated to be only 1 % of our home value. Upon further research, standard in the business is an estimate of 1.5 %. Our actual property taxes are 2.12 % -- this information would have taken less than a minute to obtain by anyone preparing a good faith estimate. When making the decision to purchase our home we trusted the numbers that were quoted to us and were not told that this was an estimate. We were told that this will be your payment. 
I work in the medical field and make decisions on a daily basis that affect people for the rest of their lives. This is not something that I take lightly. The grossly inaccurate good faith estimate that NVR mortgage presented to us will affect us for the next 30+ years. Medical malpractice is an act or omission by a healthcare provider which deviates from the expected standards of practice in the medical community and causes injury to the patient ''. NVR mortgage clearly deviated from the standard of practice when providing our quote on property tax. We would not have purchased this home if we had known what our actual payment would turn out to be. We now owe {$10000.00} and our monthly payment will be increasing by over {$500.00} per month. We are devastated.
Consumer complaint received 2021-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 40 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On XXXX/XXXX/XXXX I initiated a wire withdrawal from Coinbase. 
The transfer ID is XXXX The amount was for {$10000.00} USD Outgoing to XXXX XXXX XXXX XXXX The estimated payout date was XXXX XXXX - XXXX XXXX, XXXX UTC I have tried reaching out to the company through a support ticket but have not heard back. 
I am worried about my money.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

In XXXX 2017 I initiated a security freeze with Equifax as a result of their security breach. I never received the 10-digit PIN required to temporarily lift that freeze. The automated method to do that ( phone or website ) requires the PIN. The hours customer service is available ( M-F XXXX-XXXX CST ) are limited given these are normal working hours and I can not afford to wait on the phone for very long due to my job. 

This agency has violated my protection when I had no say in whether they obtained my financial information or not. Given the significant issues with how they handled this breach, I believe they should be forced to provide more consumer friendly availability to customer service to rectify issues related to their breach. 

I dont expect anything unfortunately given our current state of government under our so-called President, but would appreciate if something were done to hold Equifax accountable.
Consumer complaint received 2022-01-08
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. (TN)

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2018-01-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

On Friday, XXXX XXXX this company started robocalling my number, my girlfriend, and my father. On Monday, the calls continued even after I spoke with them and asked to validate the debt through sending me a bill. They Continued to call my girlfriend and father and called me one more time late in the evening with no answer. On Tuesday they continued to robocall and even reached out to a ex in-laws of my girflfriend.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BUDGET CONTROL SERVICES, INC. (CO)

Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it.
Consumer complaint received 2019-05-12
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: SYNCHRONY FINANCIAL (NY)

This is re : Synchrony Bank/Banana Republic. 

Back in XX/XX/2018, I should have had about $ XXXX {$90.00} in rewards dollars in my account, but figured it was a glitch. I started dialogue with Synchrony/Banana Republic in XX/XX/2018 when I discovered that those dollars were gone and I didn't use them. Since then, I have been trying, via using the message feature within my account and phone calls, to try to get this problem solved. I was told that this resulted from a glitch in their system, yet I am constantly told they are " researching my issue ''. 

I have been pursuing the reinstatement of lost rewards ( which is actually well over original amount now since I have made additional purchases. The company might say they have sent me replacement certificates ( back in XX/XX/2018 ) for the rewards dollars, but the links never worked and they are aware of the links not working. 

I have kept a very detailed summary ( timeline ) of this issue, which I am more than happy to share. I am not going to link it right now, but will if it's deemed as something that will be useful. 

I am at the point where I believe that my issue has not been handled properly and that it's best to move to the next step. Thank you.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX Pa XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX XXXX XXXX Date openXXXXXXXX Account Number XXXX Reason for dispute_IDENTITY THEFTXXXX  Account XXXX
Consumer complaint received 2018-01-10
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GRANITE STATE MANAGEMENT & RESOURCES (CA)

On XXXX XXXX, XXXX, I called Granite State Management to make arrangements to make a payment and avoid a negative credit report. I talked to a representative that was open to hear what I was saying and I told her that I forgot to make a couple of payments. She said that she understood and told what amount I owed. She said she would document that I called. I believe I asked her if there was going to be a negative credit report against me. She stated that there would not ( I believe ) as long as I made attempts to pay and because I called. I asked if I needed to make a payment that day. She said no because I said I would mail it. I was not given a specific day that I needed to pay. I mailed in a payment about a week later but XXXX the made a negative report against me. They received the payment before they sent out an email stating that a negative report would be sent out. The payment was cashed on XXXX XXXX, XXXX and the email ( re : time to avoid a negative report ) was sent on XXXX XXXX.