davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (IL)

I contacted the company on 3 different times explaining that I've never set a business account with Cash app. When I cash out they take money out. 
I reached out in XXXX XXXX and XX/XX/2024, XXXX XXXX. Back in XXXX they said I had a business acct and I said I didn't they switched me to personal. I never switched it back. Now they keep taking money when I Cash out. I had beg for a Manager.
Consumer complaint received 2024-04-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (LA)

I have since XXXX 2022 tried to rectify this situation and showed cause that it was from XXXX XXXX all my information was stolen and hacked and stolen id social date of birth email addresses etc I've sent in police report to bureaus and ftc report time after time in which you refuse to remove this item from my report I understand the documents that was sent to me but that wasn't me yes they made payments etc that could've been anyone I am attaching once again a new ftc report along with police report id social and proof of address in which I've been at for over XXXX years.
Consumer complaint received 2022-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

This company is not licensed to collect debt in New York XXXX. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I have an account with coinbase since XXXX and I invested more than 10k on crepto currency. Around XX/XX/XXXX I couldn't access to my account at all I did everything to contact coinbase customer service and fellow all instructions on their website like help! But with no results or help. I have no choice but make complaint with cfpb and other agency include SEC or probably get my own lawyer. I work in XXXX XXXX where their offices located but all lies I visited one by one and was closed even before pandemic this company is ghost company.
Consumer complaint received 2020-09-29
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: LoanCare, LLC (VA)

I had opened my mortgage account with XXXX in XX/XX/2019, which was later transferred over to LoanCare in XXXX. During the transfer, my account number changed and I was not notified about this. While the XX/XX/2019 payment posted there was an issue with the XXXX payment. I only figured this out when I logged into my account online and it showed a past due payment. When I called to investigate I was told my payment never posted. I had to figure out myself that the account number had changed. So I resent the payment with the correct account number. 

I was assured that since this occurred during the transfer process, no late fees will be assessed and also that this 30 days past due payment issue will not be reported to the credit bureaus. Much to my chagrin, this exactly what happened and my credit score dropped by 94 points in XX/XX/2019 ( XXXX in XXXX to XXXX in XXXX XXXX. 

I raised a dispute over email, which took more than 2 months for them to look into. Their customer service number never reaches and agent so I wasn't able to discuss with any one in person. Not being able to ever reach and agent is a very frustrating experience. I finally received a response by mail that stated they have completed their investigation and find that their reporting was accurate. No explanation. I am unwilling to accept this. I disputed this again and this time there is no response after I waited for 2 more months. This staying on my report is hampering my ability to refinance my loan with another lender at more favorable terms. 

Lender : Loancare LLC ; XXXX Account number : XXXX
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (TN)

I sent a letter out on XX/XX/2022 to XXXX, and Experian. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I already requestion my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

last 12 months billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Consumer complaint received 2021-02-08
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. (NJ)

My XXXX XXXX XXXXXXXX account was closed by XXXX XXXX, due to the fact that XXXXXXXX XXXX XXXXXXXX is no longer in business. This cause my credit score to drop. I has not be penalized for the company going out of business especially seeing that my account was always in good standing.
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Quik Fund Inc. (NY)

XXXX XXXX from Quik fund doing this loan from XX/XX/2020. He gave commitment letter on XXXX XXXX. From then he saying that within 3 days will talk with buyer and seller lawyer and close the loan. then weeks gone and now saying bank don't have only one underwriter and too many file so underwriter still not touch the file. Buyer is well qualified from financial and credit core. All W2 income. But this company and XXXX playing. We went to talk with his boss in the office @ XXXX XXXX, XXXX city and he didn't let us. All the time lying and no response. I want this crook guy and company should be banned.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (NY)

The late payment stated on my report is incorrect. No account can go from zero days late on XX/XX/XXXX to 90 days late on XX/XX/XXXX. This is mathematically impossible achieve. This is an error. Please mark the account paid as agreed never late.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I understand Bank of America turned over personal information to the FBI recently so that that organization can monitor our purchases without our consent. I find this utterly staggering.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I informed XXXX Collection Services and dispute this on my XXXX credit report that this account is not mine. The account was opened by my son without my knowledge. I never opened an account with XXXX XXXX nor did I own a car so there was, no need for me to have car insurance. I had no knowledge of this account until it appeared on my credit report. XXXX Collection Services said that the information was accurate when it definitely is not!! I never have opened an account with XXXX XXXX.
Consumer complaint received 2022-11-07
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: AMERICAN EXPRESS COMPANY (NY)

Hello I had opened a new business credit card with American Express around mid of XX/XX/XXXX. There was like welcome bonus offer if I spend {$15000.00} within 3 months, I receive Membership Reward point XXXX cash value almost {$1500.00}. 

After I reached my credit card spending over {$15000.00} and contacted to ask American Express when I would received Membership Reward point XXXX, however they answered my account was not eligible receiving Membership Reward points because the offer code is not attached and I opened this product of the credit card previously. I disputed I never had this credit card before and it was opened the first of my life time. The case was escalated another department, but my Membership Reward point as welcome bonus as they had promotion for their bossiness was rejected. Also they charged the annual fee {$590.00} in XX/XX/XXXX. I still haven't received my bonus Membership Rearward points as of XX/XX/XXXX. 

Truly yours,
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

I'm not sure why you closed the last complaint? Just because Wells Fargo replied it doesn't mean what they said is correct!!! I'm very disappointed and feel you should push harder!!

Wells Fargo is still attempting to move the wrong amount of money to the backend of my loan! I have a letter in which they state I owe for 4 months in the amount of {$3800.00} instead of the 3 months I owe, for one, {$2900.00} is the most I owe for the 3 months I did not pay. They say I owe XXXX - XXXX {$950.00} which equals my monthly payment, proving they are trying to move 4 months. I also paid to escrow on XX/XX/20 {$1400.00} so the balance should only be {$1400.00}!! They are insisting that HUD demands they move they whole balance to the end no matter what I paid, but I just got off the phone with HUD and am filing a case of fraud with them which they suggested I do because there is no clause that states they have to do it the way Wells Fargo insists HUD demands. XXXX with HUD informed me the only wording they provide is " Balance OWED for suspended mortgage payments! '' She was confused as to how they came up with their wording and insists this is not a HUD requirement! She has sent me the info to file a fraud complaint against them with HUD and feels what they are doing is not proper!!
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (TX)

Williams and Fudge has repeated called me and my husband ( when our debt is not joint. ) Used hostile and threatening language with both of us when we could not pay the amount they set but could only offer a lower amount. When asked if we could settle the debt all out for a slightly lower amount then the full debt they lied and said that I would never receive my diploma from the school, my official transcripts, and it would be as if i never went there. ( I already had by diploma and transcripts at this point ) They stated that the school would never send me these things even if I later wanted to pay the rest of the debt and my only option was to pay the debt in full, pay the huge monthly payments or lose my bachelors.
Consumer complaint received 2022-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I called Navient about 6 or more weeks ago to get information about my loan for the loan forgiveness application with XXXX. I let them know I was applying for school loan forgiveness with XXXX. I continued making my payments. My last payment made was in XXXX. When I went on their site in earlier XXXX ( this month ) to make a payment their site showed a XXXX balance and that my loan was being transferred to XXXX. So then I went on to set up a login with XXXX but it had no payment listed for me yet. Just last week i received an email from Navient saying that my loan was updated and that my first payment will be due in XXXX. When I went further on their site today I saw that they have me in a forbearance. I never asked for a forbearance and never approved XXXX. Now there is no Navient phone number listed on their website and I could not find it this time looking it up. I sent them an email on their own site. A forbearance could hurt my chances of loan forgiveness with XXXX and now I owe 9 something more dollars a month on my loan payments according to Navient starting in XXXX. I also dont understand why Navient didnt consider me for their own loan forgiveness since I have been paying this loan since XXXX originally with my XXXX XXXX and from XXXX with my XXXX XXXX. Please tell me what happened because I never wanted a forbearance!
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

This is related to complaint XXXX and previous complaints this year. 

Around XXXX, after another unsuccessful attempt to log on to myEquifax and emailing Equifax twice with no response back, I followed their instructions per the Equifax website and contacted them via mail and stated " ... my request is for access to myEquifax and for a copy of my credit report ''. I included all details and documentation that Equifax required at that time. 

Four weeks passed without a response to my mail. 

On XXXX I filed a complaint with CFPB because I had no response from Equifax and stated this about about fair resolution - " Provide me access to myEquifax so that I can manage my freeze and send copy of my report ''. 

On XXXX CFPB notified me of the company 's response which was " please visit us at www.myEquifax.com ''. 

On XXXX my feedback via CFPB was that my issue of XXXX was not fixed. I reported that I couldn't access myEquifax and the Equifax response was to use myEquifax! 

Presumably as a result of my mail to Equifax on XXXX, when in addition to requesting access to myEquifax I requested a copy of my credit report, I did receive a copy of my credit report from Equifax. This mail was postmarked XXXX. 

I received a second mailing from Equifax postmarked XXXX. This mail states " We got your request to add a freeze to your child 's credit file ''. I never made such a request. I received no response from Equifax on my request for myEquifax access. 

On XXXX I attempted to log in to myEquifax again. I provided information for account recovery and the website responded " no account found ''. I went through the process to set up an account and the website responded " you have an existing account '' and said to click the forgot password link ; there was/is no link. A contact phone, XXXX, was listed with hours of XXXX M-F XXXX. 

On XXXX I contacted XXXX. I used selection 5 fof myEquifax  and provided mobile number, SSN, Adress #, zip code. Then I was questioned about items on my credit report, which I answered from my latest report, that included questions on retail credit, bank card, auto loan, and payment. The automated system responded that it was unable to help but I was able to get through to an agent named XXXX at XXXX. When I stated that I need assistance for myEquifax she said I needed to fax or mail a copy of my driver 's license, social secuirty card and a letter. I stated that I had sent a letter with the information that Equifax requested as of XXXX on XXXX and that I received a response postmarked XXXX that did not address the myEquifax issue. The agent stated she was unable to do any thing further. 

I am compiling documentation so that if I can't resolve this issue which has persisted for 9 months I can present it to my elected officals at the state and federal level and that I can contact my state 's CFPB counterpart.
Consumer complaint received 2022-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

On XX/XX/2022, I was contacted via text message on my XXXX cell, in an attempt to collect a debt owed by another individual. I returned the call and was asked if I was another individual. I responded that I was not the person they were seeking. I was asked if I was related to the minor that had accrued the medical debt. I stated yes, but due to a court order, I had not been associated with the debt guarantor for over four years. There is no documentation with my signature guaranteeing payment for non-eligible coverage related to medical care, the guarantor is my ex-wife. We do not share households.
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (NV)

I returned to college in XXXX. I attended XXXX XXXX XXXX part time on an XXXX while also working full time. I was married and had XXXX daughters. In XXXX, I had completed all the XXXX college had to offer and transferred to the University XXXX XXXX. I received XXXX to attend the university that covered my tuition. Student loans covered XXXX school tuition, books and living expenses. 

I graduated, XXXX, with a XXXX in XXXX XXXX. I was offered a job at the XXXX where I had done my XXXX that would begin in late XXXX. Then, on XXXX XXXX, XXXX Hurricane XXXX struck, with the eye passing directly over my home in XXXX. In a weekend, our lives changed drastically. I moved XXXX to live with my mother and got a job with XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. During the first three years of working, my student loan payments became erratic in the XXXX months because I was not always able to find temporary employment. During this time, I used up all my deferment and forbearance periods I was entitled to. By XXXX, I was fully employed throughout the entire year and was paying all loans regularly. In XXXX all of my loans were consolidated and the principal amount was approximately {$28000.00}. 
In the last 10 years I have tried to apply for several loan forgiveness programs but have never been eligible because of the dates of my loans. XXXX programs forgive loan balances after five years XXXX. I worked in XXXX my entire career. During my 22 years working XXXX and indirectly affected thousands more through my work XXXX Another loan forgiveness program is for public service employees. It forgives loan balances after paying on time for XXXX consecutive months. I have paid on time for XXXX consecutive months. When I recently inquired about loan forgiveness I was told I am not eligible for forgiveness because of the dates of my loans. I have already paid {$50000.00} for the {$20000.00} I borrowed. I do not understand why there can not be the same forgiveness for my loans as there is for those who do meet the date requirements. Aside from the dates, I meet all other eligibility requirements. 
The interest rate on my loans is 8 %. It is continuous compound so interest accumulates every day on the unpaid balance. 
I feel like I have been a responsible borrower, paying regularly every month. With the current situation I will pay these loans off in XXXX and will have spent approximately {$85000.00} to pay the loans back. Can you help me?
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (OH)

Please provide verification and method of verification of late payments and this information is inaccurate. Please provide validation of debt as well. 

XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-06-19
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. (CA)

FTC XXXX/XXXX  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX Please remove from Inquiries : XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VT)

My credit score is being generated by XXXX and XXXX except Experian. I have tried to verify my information over dedicated phone number and online portal of Experian but could not successful. 
When other two credit reporting agency are getting my credit information then which thing restrict this company to get my information? 
My expectation is that this company would come forward to resolve the issue.
Consumer complaint received 2020-09-29
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. (NY)

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX  in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then XXXX dollars.