davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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. (LA)

I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX  XXXX {$580.00}
Consumer complaint received 2021-03-27
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 ()

Hello there, paypal closed my account and didn't give me the reason. Exept that I allegaly broke their rules. The only thing I'm selling is XXXX  for XXXX  I've read through their User agreement and it doesn't say that I can't sell that anywhere. My reaputation is also very good with 21 total feedbacks which 19 were positive. I assume this needs to be a mistake on paypals end. I sent them a mail regarding this but I've still not recived a response from them 2 days later. XXXX Mail sent XXXX XXXX ).
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (KS)

On XX/XX/XXXX I went to my local bank to get a cashier check I gave my card and ID to the banker over there who stated that my card shows that it was reported lost and no longer active to use and that I will receive a new card in the mail. I destroyed my card and throw it away. A few days after I start getting charges on my card that the banker told me it was no longer active. Total charges were around {$2900.00}. The bank havent fix the problem yet. But I have a feeling that they are doing something wrong to other people too
Consumer complaint received 2021-03-27
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: Choice Recovery, Inc. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX 'S COLLECTIONS # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (CA)

A fraudulent transaction of {$68.00} was initially charged to my credit card on XX/XX/2021 to Delivery.co.uk which is a food delivery service in XXXX XXXX. I would never order any service from them since I live in XXXX, California and they only deliver food to customers in XXXX XXXX. The credit card company noticed this to be a questionable transaction and so it sent me a text message asking me if I authorized that transaction. I immediately replied NO and so they told me that they would block the transaction. So then I canceled the card and ordered a replacement card suspecting someone got a hold of my credit card number. I contacted Delivery.co.uk and they told me that they told me that they never made that transaction nor do they have any records of me or my credit card number in any of their databases. 

To my surprise, the next day ( XX/XX/2021 ), not only did the transaction still show up in the transaction list in their mobile app, but the amount changed from {$68.00} to {$96.00}, which should have been impossible since they already texted me that they blocked the transaction. Furthermore, I canceled the card the previous day so the card shouldn't have even worked. Then it changed again on XX/XX/XXXX to {$95.00}. That's when I finally realized that it was the credit card company itself that was making these fraudulent transactions.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

My Coinbase account got hacked. I been trying to get it figured out for over a week. I tried getting access to the account but the hackers changed the phone number. And the customer service is not answering my questions. I told them that the number they are sending the authorization code to is the hackers number. This company should not have access to financial information. Everything is automated and no one will answer my questions.
Consumer complaint received 2021-03-26
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 accounts for no reason and will not help me 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 but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX. Please help me to restore my account. I need them for my moms therapy.
Consumer complaint received 2021-03-26
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. (MN)

The following accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,
Consumer complaint received 2021-03-28
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: VW Credit, Inc (VA)

On XXXX XX/XX/XXXX my wife and I purchased a new Volkswagen XXXX  XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time of the purchase my wife an I purchased the GAP insurance product for {$790.00} which was added to the total amount financed for the car. 
Today, XXXX XX/XX/XXXX, I went in to the dealership to request a pro-rated refund on the GAP policy as my wife an I no longer need the protection. I spoke with one of the finance managers who attempted to look the policy up on the insurance company 's ( XXXX XXXX XXXX XXXX ) website but could not locate the policy using the policy number on our GAP policy paperwork. The finance guy then called XXXX and spoke to a rep with the phone on speaker-phone. When asked why the policy wasn't coming up on the website the rep stated, " The paperwork for that policy was never submitted. '' The fincance guy then ended the call and I told him that didn't make sense as I had the policy paperwork in my hand and my purchase contract ( at home ) had the GAP policy on it. The finance guy then printed out a copy of the purchase contract from their archive system. The document he printed did not have the GAP insurance on it. He stated that my wife an I must have declined the coverage but did not have an answer when I asked him why I would have the GAP policy document signed by us and the dealer rep if we had declined the policy. 
I left and went home and looked at my paperwork. The GAP policy is listed on our purchase contract, which by the way is the real and legitimate paperwork. 
What has, obviously, happened is that someone at the dealership created a fake sales contract which omitted the GAP insurance and filed that contract in their system, never submitted the paperwork to XXXX to initiate the policy, and pocketed the {$790.00} premium we paid for the GAP policy. 
This is larceny and insurance fraud.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (HI)

I bought a house in XXXX XXXX Hawaii in XXXX, XXXX. The mortgage broker, XXXX, placed the loan with XXXX but agreed to handle the escrow accounts. Over the first year, XXXX paid my hazard insurance and property taxes and added a monthly amount to my mortgage payment so that the policy and property taxes could be paid out of escrow the next time they came due. 

In XXXX, XXXX, Servicemac LLC purchased my loan. XXXX and I took immediate steps to have the escrow accounts transferred to Servicemac. I spoke with XXXX staff weekly. I sent emails to Servicemac weekly in XXXX, XXXX, and XXXX. 

Servicemac sent me warnings every week that I had to produce proof of hazard insurance. Obviously, since Servicemac had the funds I placed in escrow for the purchase of hazard insurance, it was not my obligation to purchase hazard insurance. On at least 6 occasions, I told Servicemac this and gave them the name of my hazard insurer and a copy of the policy that had been in force during XXXX. 

On XX/XX/XXXX, I received a " Notice of Lender Placed Hazard Insurance '' from Servicemac. The premium is more than twice what was due XXXX XXXX. I have sent more letters to Servicemac, but at this point, it is clear to me that Servicemac simply refuses to acknowledge its legal duties. I am willing to guess that it does this with a substantial number of the loans it purchases, insisting on the benefits of the contract but denying the obligations.

I want CFPB to fine and otherwise punish Servicemac, up to and including revocation of its license to participate in federal mortgage lending activities.
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC (CA)

During the course of the loan with Finance of America Mortgage, when gathering documents, the loan agent would repeatedly not respond for days at a time and then rush us to gather certain documents. One particular item was mortgage statements for a rental property that I own that she wasted a whole week going back and forth about documents on. 

On the date we were supposed to close the loan after our second extension, the same loan agent deliberately lied when we told her we needed to close and sign that day, which she knew because she was provided with all of our extension deadlines. She claimed we had an additional extension from the seller which was 100 % false ( the seller even said so in an email ) to further delay the close of our loan which would cause us to lose our deposit for not closing the loan in time.
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAINE & WEINER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

Im struggling to pay my credit card balance as I do not get paid the same amount as I did before the pandemic. Citi Bank spams my phone with calls 4-6 times a day everyday and it comes up in my phone as spam. Ive also had a issue with citi back taking over a thousand dollars out of my account during XXXX because it was an end of a promotion and they charged my card interest for two years and when I went to call to resolve issue I had to wait over a month and a week to get my money back. When I initially called they said that they put me on a Expedited List and I would have my money back in 5 days but it took over a month. When I couldnt wait anymore I called my bank to file a dispute and my bank gave my money back the same day and the next day Best Buy citi bank issued my refund ... what a coincidence. Then I had to refund them the payment they sent me immediately. They made it extremely hard for me to get my money back and now I cant make payments to citi bank with my bank because I filed a dispute with this account.
Consumer complaint received 2021-03-26
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: Sequium Asset Solutions, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX I returned 7  closet doors purchased XX/XX/XXXX to XXXX. However, I was credited for only 6 doors. I discovered this when I got home and examined the refund slip. I was not able to reach XXXX, so I called Citibank and submitted a dispute on the phone for {$47.00} XXXX {$45.00} cost of the door plus sales tax ). XX/XX/XXXX Citibank notified me that based on XXXX 's response they were reversing the conditional credit and invited to submit additional documentation in support of the dispute. XX/XX/XXXX I submitted a lengthy letter and additional documentation showing that either Citibank did not fully advise XXXX of the nature of the dispute or the XXXX was negligent in how it conducted its investigation and concluded that the dispute was invalid. XX/XX/XXXX Citibank responded thanking me for providing additional information regarding the dispute, and that they are reviewing it and will get back to me. However, Citibank failed to do any of this. Instead, XX/XX/XXXX they sent me a letter saying that they appreciated my feedback and simply closed the dispute. This is simply unconscionable -- it is evident that Citibank did not conduct any investigation and just accepted XXXX 's response at its face value when reversing the conditional credit XX/XX/XXXX. And then on two occasions -- XX/XX/XXXX and XX/XX/XXXX -- they invited me to submit additional documentation and assured me they will review it, but simply issued a letter a few days letter saying that they appreciated my feedback..
Consumer complaint received 2021-03-26
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. (CA)

I received my credit report from Equifax yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to XXXX XXXX.
Consumer complaint received 2021-03-27
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)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-03-26
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. (MN)

The following credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2021-03-26
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. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.