davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSURANCE FINANCIAL GROUP, LLC (GA)

I live in the City of XXXX, in XXXX County. As widely publicized in XXXX, our property tax bills were delayed due to disputes over the tax digest used. New revised bills were issued on XXXX/XXXX/XXXX. I contacted my mortgage company, Assurance Financial, the week of XXXX XXXX to make sure they had received the revised bill. They had not and at that time I sent them a copy with pleadings that they make sure my bills were paid on time. I noticed on XXXX/XXXX/XXXX, that my escrow account had been debited for my County taxes which were not officially due until XXXX/XXXX/XXXX. I reached back out to Assurance and stressed that I wanted to be sure the City taxes due XXXX/XXXX/XXXX were paid. The customer service representative assured me they would be paid one time, but my escrow summary did not reflect any taxes being due, which I kept telling the representative. The escrow department at Assurance seemed to have no knowledge of GA mortgage laws as they insisted the taxes had been paid at closing, which I knew to be untrue. I reached out again the following week when I still saw no changes to my escrow account. Again, I was reassured that the payment would be made on time. One XXXX XXXX, I checked my account and noticed the payment still had not been issued and the funds were still in my escrow account. I attempted to call only to learn the company closed that week! I sent a message via their secure message center stressing the urgency that my bill must be paid that week or be delinquent with interest and penalties. I never heard back from the company. I called on XXXX/XXXX/XXXX after the payment still had not been made. I spoke with a manager who assured me they  were " researching '' my issue. I sent him ANOTHER copy of the bill and asked that these taxes be paid immediately as my escrow had more than adequate funds and the taxes were now past due. I was assured someone would call me back within 24 hours and I 've yet to hear from anyone and my account reflects no changes. This also will cause me to miss out on my mortgage tax benefit which I really needed this year.
Consumer complaint received 2022-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (SC)

We sold our primary residence on XX/XX/XXXX. When the title search was performed on XX/XX/XXXX, it was revealed that a Modification to our HELOC was missed when it was closed on XX/XX/XXXX. We have been looking to get this resolved ever since. In the interest of good faith, we agreed to hold {$50000.00} back from the proceeds in an escrow account until this was resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get a Certificate of Satisfaction from Truist since XXXX on our behalf. They have sent faxes, emails, and placed phone calls to just be forwarded to another department and the phone disconnected on multiple occasions. They have not been able to speak with the closing loan department, only with customer-service representatives. My husband and I have also been calling, faxing, and emailing if possible since XXXX. 

We finally received an incident number. We still would spend XXXX minutes to an hour on the phone convincing a customer service rep to type in the number instead of trying to find our information in the system. We no longer have any accounts with SunTrust or Truist and there doesnt seem to be any information on our closed HELOC. On XX/XX/XXXX, they assured us it was all taken care of. It was not, they did not provide what we were asking for and instead reissued the Certificate of Satisfaction that we already had showing the original deed of trust, which was released at the court, but not the Certificate of Satisfaction for the Modification. 

We have since received another incident number. Its been over four months since we started, and we're still awaiting resolution.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear Sir/Madam My case number with Coinbase is XXXX The Coinbase system is not sending out my secondary email address which I need to withdraw my funds. 

The primary address of XXXX works fine - I get the email asking for approval. 

But the secondary email which I need to approve which is to be sent to XXXX never arrives. I have tried everything they advise to try in their FAQs to no avail. And they are not responding to my requests for help. It's not in spam of course. 

They also state on the phone that they can't help with vault problems via the phone. So essentially my 3 Bitcoin is locked up. I have read about people having this problem for months at XXXX so there is a bug in the system. 

You can see here XXXX XXXX XXXX XXXX XXXX XXXX Some people waited for months to finally get access to their money. 

Coinbase needs to be held accountable for their problems and needs to provide better service for their clients. I have been waiting and trying now for weeks to no avail and am fed up. 

Best XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this however, I have not been successful.
Consumer complaint received 2021-02-26
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: BARCLAYS BANK DELAWARE (OH)

I noticed a fraudulent charge for {$490.00} dated XX/XX/XXXX from XXXX XXXX  I notified Barclays about the charge and they cancelled the credit card and issued a new one. Originally they removed the charge but I received a letter 2 days ago stating that after an investigation they determined that the charge was valid and put the {$490.00} charge back on my account. The letter was dated XX/XX/XXXX. I called them back and they refuse to remove the charge and will not listen to me when I told them I never made the purchase and that the charge was not valid.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (KY)

On XXXX XXXX I was at the hairdresser I went to the restroom came out my ride was there I grabbed my coat and left went to the store noticed I didnt have my purse went back to get it no answer so I went straight home got on the computer to shut my cards down I noticed all my money was gone I called chime reported it and started a dispute they couldnt dispute the {$6000.00} yet they were still pending but they did dispute the transfer for {$2000.00} that was made to a person I dont know not long after that before I could file a police report and fill out the dispute paperwork they denied my claim XXXX so I got it reopened and I sent the police report still hadnt gotten the paperwork to fill out they denied it again so my other pending transactions cleared they started the dispute on these moments later I get a email where they denied my claim XXXX without a police report and no paperwork just denied my claim this is sick I have filed a fraud report and it should be ready for pick up soon Ive had this problem with chime before but the merchant paid me cause it was an error on they part chime is responsible for my money FDIC up to {$250000.00} they say the app is secured it cant be if some hacked into my app and took all my money
Consumer complaint received 2018-06-12
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: Shellpoint Partners, LLC (PA)

Ref : XXXX XXXX XXXX  / Shellpoint Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX XXXX Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (NM)

Grant Mercantile Agency Inc. has purchased a debt that does not belong to me. 

1. This is not my debt. 

2. All expenses related to this accident were paid by my Companys insurance carrier, XXXX XXXX. I gave Progressives information to the ambulance Co. personnel on XX/XX/2019. 

3. Company contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX 4. Additionally, This is not a legitimate charge. I did not call for the ambulance. The ambulance personnel took no vitals. Provided zero care for me. I told them they were not needed, and could depart the accident scene on XXXX XXXX. I assume the XXXX, CA XXXX operator dispatched this rig. This service was never requested by me.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (IN)

States that I opened an account in 2016 and owe {$84.00}. You 're company does n't have a license to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.
Consumer complaint received 2020-07-13
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2020-07-13
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Account from XXXX XXXX XXXX should not be listed on my credit report. The account was listed without validating the account. I filed a dispute with transunion in which they have not responded. The xomoany itself admitted to not be able to verify the debt. Transunion is still listing this debt on my report. The company also admitted in their complaint with the CFPB that they were wrong and they will have the debt removed. However transunion is still listing the debt. I am working with an attorney in regards to my credit report and wrong reported information.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I contacted Lakeview Loan Servicing LLC to add an insurance policy from XXXX to be paid through my Escrow account. I originally was told to have the insurance company bill my Mortgage company and I received no update. I was then told to upload my insurance documents, which I did and still received no response from Lakeview. 

I contacted Lakeview today XX/XX/2020 at XXXX am and spoke with someone by the name of XXXX in the Escrow department, he said I reached the wrong department and that I need to speak with the Insurance department. I was transferred to the Insurance department and spoke to XXXX, who told me I reached the wrong department and needed to speak with the escrow department. I told her the escrow department told me I needed to speak with insurance. She stated my account type needed to be changed from non-escrow to an escrow account for the insurance payments to be made. My escrow balance is {$1000.00} and my insurance policy is {$530.00}. 

XXXX then transferred me back to the escrow department and provided me with phone number XXXX. After waiting over XXXX mins I was hung up on. 

I need to simply change my escrow account from non-escrow to escrow account and to have my insurance premium made from escrow that is suppose to cover my taxes and insurance.
Consumer complaint received 2020-10-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a XXXX at XXXX XXXX XXXX in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX XXXX said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I contacted original creditor. Account is under XXXX XXXX. Debt was re-aged. I attached a copy of receipt provided by original debtor. Debt was XX/XX/XXXX, per original creditor and I told company it was not mine. Company said it was a recent visit XXXX on phone.
Consumer complaint received 2020-07-13
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. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX DSP XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX DSP XX/XX/XXXX VER XX/XX/XXXX {$0.00}
Consumer complaint received 2020-07-13
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. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX XXXX XX/XX/XXXX VER XX/XX/XXXX {$0.00}
Consumer complaint received 2020-05-09
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 (CA)

I am trying to get Paypal to mail me my money in the form of a check ( which they usually charge an extortionate {$1.00} per check btw ) but they can't/wo n't. They demand I link a bank account to them, or sign up for their XXXX Paypal Cash.

Frankly, with my prior experience I don't trust them not to take a huge chunk out of my bank account with minimal notice again. But they won't release the money otherwise. Please help me get my money back! 

Other people with the same problem : https : XXXX