davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (IL)

There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX  Credit Card ( sold to XXXX XXXX XXXX. I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted XXXXl XXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX ( sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX  has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Consumer complaint received 2019-08-23
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: EQUIFAX, INC. (CO)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but Equifax and XXXX   have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

In XX/XX/2018, I paid the following debt on on my XXXX XXXX XXXX credit account and have not received a paid in full letter. I have requested this information through the company several times and they have been unable to provide me with this information. I recently called requesting to speak with someone American. I also requested to speak with a supervisor. Both of my requests were ignored. I can not help but think this company has taken my money and not reported that I paid this debt off to all 3 credit agencies. 

Account # : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XX/XX/2022, I applied for the XXXX XXXX XXXX Credit Card from XXXX. 
On XXXX XXXX I received a notice of rejection from XXXX, which mentioned that I may receive a free copy of the report that TRANS UNION provided to XXXX if requested within 60 days. 
After reading the letter on the same day, I attempted to do so by searching on TRANS UNION 's website, to include creating an account on their website. 
As part of creating the account, I provided the card number and security code for a separate charge card I already had. TRANS UNION then charged {$27.00} to that card. There was no mention or indication that I would be charged anything for simply creating an account ; had there been, I could have reasonably concluded that this is not the correct way to obtain my free report I'm entitled to under the Fair Credit Reporting Act. I was unable to find any information on the public facing ( i.e. not paid for ) TRANS UNION site about how to obtain my credit report ; after being logged in, I could find it, though with considerable 'digging '. 

TRANS UNION and other credit reporting bureaus should make it plain how to obtain the free credit reports customers are legally entitled to after adverse action. Additionally, it should be plain and obvious that someone will be charged and how much they will be charged on their credit cards. TRANS UNION utterly failed in both of these respects.
Consumer complaint received 2018-07-31
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. (MI)

This complaint is against Experian credit reporting agency. I disputed a 20 year old item listed on my report as " XXXX XXXX XXXX '' in Michigan. It list an opened year on XX/XX/1997 but no last date of activity. This is a direct violation of my rights according to the Fair Credit Reporting ACT. This information must be removed and Experian refuses to dispute it on this basis. Instead they continue to inaccurately report it costing me employment and credit opportunities.
Consumer complaint received 2018-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

I applied for Hardship around the begining of XX/XX/XXXX, with many times being told to send in this information and that paper I was denied with CLEAR evidence of my hardship from letters from my Doctor 's etc and lost 50 % of my income. They still added up late fees during my hardship application that they said were not going to get assessed. They would rather have my home go into forecloser than help. I am a XXXX and obviously will have work after having, XXXX. that is pretty much common sense this day with all of the XXXX shortgage in the USA.
Consumer complaint received 2021-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (DC)

We had some critical repairs arise for our home and took out a home improvement loan with LightStream to cover the cost. After making the first payment, we noticed that the payment went 100 % to interest in 0 % to the principal. That feels like it shouldnt be legal. All of the interest on the loan is frontloaded, making it more difficult to pay off faster.
Consumer complaint received 2018-02-20
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: Rocket Mortgage, LLC (MI)

Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is quick loan mortgage and as rocket loans neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I been contacting my mortgage company regarding eliminating the PMI for the past 2 years. Although they agree that it should have been eliminated, it hasn't been. Each time I call, I'm promised that it will be removed but each statement since has included the PMI charge ( {$90.00} per month ). I'd like assistance in eliminating this charge & recovering the past payments. My primary contact at Bayview Loan Servicing is XXXX.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Intelliloan, Inc (CA)

On XX/XX/XXXX we contacted Intelliloan in XXXX XXXX and spoke to a XXXX XXXX XXXX XXXX phone XXXX in regards to refinancing and existing home loan.We had originally spoke with a local mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ca XXXX XXXX that we had a {$66000.00} debt we owed from a charged off HELOC.which was subsequently sold to XXXX XXXX XXXX.Her underwriter could not include this amount in the refinance unless it was paid first, as it was showing no payment history since the debt collection company, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX no history of payment since they bought the loan As we had already paid the {$500.00} appraisal, it was REFUNDED to us, as she could not do the loan and the appraisal was not done.At that moment we did not have the funds to do that so we tried Intelliloan, In speaking to XXXX XXXX.I explained the situation and at that time he assured me that he could do the refinance.After paying {$470.00} for the appraisal, XXXX XXXX notified us that his underwriters also could not include it, after promising he could.So at that time onXXXX we mutually cancelled since he broke his promise After contacting friends and family, were able to get enough funds to pay the {$66000.00} and went back to our original mortgage person XXXX at XXXX XXXX XXXX.She contacted Intelliloan to have the Appraisal transferred to her to use and they refused.I feel this was a bait and switch, as they wont return my phone calls as well.At this point I would for the appraisal to be transferred to XXXX to use for my current loan approval or a refund of the {$470.00} appraisal fee, as I feel XXXX should have researched our problem more thouroughly before saying he could do the loan.We feel that this is just bad business done by a large company that does not care.Our initial mortgage brokerXXXX XXXX XXXX, told us to wait until Intelliloan approved the loan before paying for the appraisal but we were told that it needed to be paid prior, which we did and then after paying it on XX/XX/XXXX XXXX XXXX told us that the loan wasnt going to work without the {$66000.00} being paid first.We feel that XXXX XXXX should have made sure we were fully qualified for the loan before he said he could do it and that since he did not we should either get the appraisal released or have our {$470.00} apraisal fee refunded.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (FL)

This is a follow up to my previous complaints that I have repeatedly requested that EQUIFAX provide me my personal credit report. They have refused to provide this or release my credit information to me. I have included a copy of the letter that I sent to the credit bureau requesting my credit report as supporting documentation along with my copies of my personal identification.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

XXXX Has sent me a document removing all negative credit reporting on my closed USAA CREDIT CARD. 
Please see attached letter from USAA LEGAL!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

I was XXXX  XXXX and during that time my debit card was used to steal my veterans compensation deposits on XX/XX/2020 and XX/XX/2020. Over {$4000.00} was taken and Navy Federal denied my first claim automatically due to the amount of money involved. I submitted all info requested including a letter from the XXXX  stating my XXXX  dates and also the police report I took out due to the theft. I was denied a second even though I submitted clear and overwhelming proof that it was an unauthorized user and not me withdrawing the money. I was in XXXX and there is no way I could have made the transaction yet navy fed still denies my claim.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX is XXXX XXXX XXXX and stays with me her daughter XXXX XXXX in LA and her money was with drawn fraud and theft i did report it to Wells Fargo but they never got back to us or said anything to us I called back and they said the claim was closed and could not say more. I never Got a Letter or call from Wells Fargo. We do have a police report.
Consumer complaint received 2020-01-28
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: Experian Information Solutions Inc. (DC)

I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.
Consumer complaint received 2018-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP (CA)

Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ mid - XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XXXX XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to XXXX XXXX XXXX XXXX XXXX. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from Cawley & Bergman who is trying to collect the debt of behalf of XXXX XXXX XXXX equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to XXXX XXXX and XXXX XXXX XXXX. 
3. Letter from Cawley & Bergmann debt collector. 

Thank you for your help. 

-XXXX XXXX  Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor XXXX XXXX XXXX XXXX   XXXX XXXX Cawley & Bergmann File Number : XXXX Current Balance : {$870.00} Address : XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2019-08-23
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. (SC)

Equifax continues to report an account that opened by someone who stole my identity. It was deleted from the other bureaus quickly. Not only is Equifax violating the FCRA and FDCPA they continue to verify the account without proof as requested by me the consumer. I refuse to take their word for it. This company has been breached several times and my information was compromised every time. My confidence is low when it comes to Equifax and I'm beyond frustrated with trying to rectify a simple issue of an account being removed that is unverifiable. XXXX # XXXX is not my account and can not be legally verified as such.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

So I have an account with Bank Of America I have a checking and saving account but every month they charge me XXXX $ into my saving account for maintenance fee which makes no sense at all, theyre not even charging me for not having money on my saving its juts for a random service fee
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc. (DC)

On XX/XX/2021, I used my Coinbase Card ( issued by XXXX ) to purchase gasoline at a XXXX XXXX retail location in Washington XXXX DC. XXXX, as issuer of Coinbase Card, withdrew a {$100.00} bank hold for the transaction, which ultimately totaled {$43.00}. Despite this transaction occurring over a month ago, XXXX has not settled the transaction and still holds my entire {$100.00}. I confirmed with XXXX that it is indeed not their system that placed the hold but rather XXXX. I have contacted the customer support of Coinbase Card ( since they administer the account ) via phone 5 times and via email at least 10 times since XX/XX/XXXX, most recently today on XX/XX/XXXX. Coinbase Card customer support has either been uninterested in or too incompetent to resolve this issue in the rare instance that my calls or emails are responded to, the responses I have received are " this is the responsibility of a different team ( whose contact information we can not provide ) '', " please call back another time '', or other responses completely irrelevant to my problem. The result is that XXXX, through Coinbase Card, has effectively stolen {$56.00} from me. I have gone above and beyond providing information and exercising patience. It is clear that XXXX, through Coinbase Card, has committed theft of my money through a disingenuous bank holding process.
Consumer complaint received 2020-09-14
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: ID Analytics, Inc. (WI)

I reached out to SageStream via phone to get a copy of my consumer report and they directed me to their website. I submitted the information including a picture of my passport and they still refuse to send me a credit report saying, the identification is not enough. SageStream is intentionally and illegally making it difficult for consumers to access their consumer files.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX XXXX automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. XXXX agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (TX)

On XX/XX/2023, somebody got into my checking account, transferred {$5000.00} to my joint tenant brokerage account, and then proceeded to successfully wire {$3500.00} to what I assume was their own bank account. They attempted to wire more money out, but luckily my bank ( Charles Schwab ) blocked these wires from going through. Charles Schwab immediately contacted me in order to get me a new debit card, submit a police report, and fill me in on what was to happen moving forward. They stated that their fraud department would begin an investigation into what happened. They stated that the investigation could take up to 90 days to be completed. 
Well, as of today, it has been 90 days. I have yet to be updated on anything related to the investigation. Since XX/XX/2023, I have contacted Charles Schwab in relation to this investigation on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. These were all calls, but I also contacted them on other dates over online chat on the bank 's website ( of which I have no records of ). In all of these instances, the representative would tell me that they'd contact the fraud department and ask for an update. Each time, I also asked about the likelihood of me being able to receive my money back that was stolen. They would state that I SHOULD get my money back, but that they couldn't GUARANTEE it since it was not their expertise. During these past 90 days, I never received a call or email back from the representatives or fraud department. 
What should I do? I don't see how I could possibly be in the wrong here. Should I take this to court? I do not know. I am just a college student at the XXXX XXXX XXXX XXXX XXXX. This money that was stolen is part of my scholarship/grant/student-loan money. I utilize this for paying for my way through school... I really need help.