davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I will be suing wells fargo for letting the felon criminal 's XXXX and XXXX XXXX to leak out my private information and how they told their friends to get them to laugh at me. Since wells fargo will not do anything to XXXX XXXX for her using her position as a district manager to do unethical and criminal things against me. I have no choice but to take legal action, since wells fargo choice to make a business decision to get involved on her behalf to close my checking account and telling me not to enter their bank. I will be filing legal action to sue wells fargo for defamation of character, XXXX XXXX  and XXXX XXXX. I have been patient beyond belief to no avail with wells fargo, they have pushed me to do this, they want to keep messing with my emotions. I can sue for someone falsely accusing me to take away something from you, this case my checking account. Wells fargo can not take away my civil rights. I was pressured by banker " XXXX XXXX '' at the wells fargo branch located on XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX al XXXX. My insurance company uses wells fargo for their bank, so i had to come in to cash it. This was in XX/2013 and this banker named " XXXX XXXX '' would n't leave me alone to open a new bank account. She also made fun of my sons facial expressions, this is unprofessional for a banker to do. I did not want a checking account with them but she kept pressuring me to open one anyway. And this XXXX banker employee kept running my son back and forth harassing him. And to be treated like this by wells fargo even though I did not want a checking account is a pure insult. All i wanted to do was cash my insurance check and leave.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Card was stolen and unauthorized transactions were made. XXXX XXXX credited the transactions ( took them off ) but now has frozen my available credit. I have a {$750.00} credit line but now I have XXXX available with only a {$67.00} balance. They seem to be punishing me and causing me hardship for something I am not responsible for. I have called several times and they just say that they cant release the credit until they complete their investigation. It has been three weeks. XXXX XXXX customer service has been of no service at all. They have a take it or leave it hard nosed attitude like I am the bad guy and simply do not seem to care.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (WV)

TRS Recovery Services is attempting to collect an XXXX debt of {$13.00} that is not mine. The debt is not mine for the following reasons : I submit the following : The debt of {$13.00} for a transaction on XX/XX/2022 is not my debt and this was verified by a personal phone call to XXXX who assured me that I do not have any outstanding balance or debt on my account. 
The banking information with the account XXXX that you list in the Payment and Transaction history is not my checking account. I do not have, nor have I ever had an account with that bank account number. A quick search of my personal checking verifies that this transaction never occurred on any of my personal checking accounts. This was easy for me to verify because I am employed at the bank in which I do my personal banking. I will not be providing you with that record because the burden of proof does not rest with me because the account listed isnt mine. You will need to find the correct owner of the account for that information. 
The billing address listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address, nor has it ever been my address. 
The delivery address of the XXXX item to be delivered is listed as a mailbox in : XXXX XXXX XXXX. I do not live, nor have I ever lived in XXXXXXXX XXXX 

I have been sent a letter of collection three times. I ignored the first letter but have responded to the second two requests. In the requests, TRS is asking me to provide personal information ( Social Security #, Driver 's License #, bank routing # and account #, etc. ). I have not provided this information in fear that providing it would give them the means of hitting my credit report for an unmerited charge or the information needed to draft the payment and penalty from my banking account.

TRS is also asking me to complete a Forgery/Identity Theft Declaration. This would be inappropriate, because there has been no forgery or identity theft attempt. The delivery address, billing address, and banking account # listed is not mine so no forgery or identity theft occurred. TRS has simply attached the debt to the wrong person
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I, the consumer pulled my consumer report and notice some unauthorized inquiries on my report. I called TransUnion, XXXX, and XXXX  stating that the following inquiries were unauthorized. These companies are in violation of 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. No consent is identity theft. Pursuant to 15 U.S. Code 1681c-2 this information should be blocked as it is a result from identity theft. Pursuant to 15 U.S. Code 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; meaning I the consumer am owed XXXX per inquiry as each inquiry is a violation. 
I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove the following inquiries from each bureau. 
TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

On XX/XX/2021, Coinbase disabled my account with asset worth {$32000.00}. I could not login to my account, since that time I sent them more than 17 emails, and I did opened three complaint cases with them, but without any response accept the auto replay emails that stated they will look into it and return to me after 15-20 days, till now I did not get any response from them and I don't know what to do, this is my life saving money.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

I originally applied to Freedom Mortgage to refinance my mortgage on XX/XX/2020. After working our way through the process which included signing multiple disclosures and applications I was sent a notice of not completing an application on XX/XX/2020. This was due to a vague question emailed to me on XX/XX/2020 about the address I grew up at, with no explanation as to the issue. I never owned that house and moved out when I was XXXX years old over 20 years ago. They literally never asked me why they needed to know about that address and only sent an email with the address on it which I answered that I never owned it. The funny part is I have a perfect credit score and have had a perfect payment history with the loan I have from this company. Poor service and I suspect its due to the low rate I locked in which they probably can not honor. This company sucks
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MI)

I am currently XXXX days past due with Selene Finance. I fell behind because my XXXX  went on XXXX XXXX XXXX. XXXX XXXX sent a Notice of XXXX XXXX XXXX. At this time I was XXXX days late. They said I had to bring the account current or they would proceed to foreclose and gave me until XXXX/XXXX/XXXX to make the past due payments plus any late fees accrued. 

I reached out to them immediately and asked for a XXXX month repayment plan for the amount that is past due. Selene said I had to submit an application that had to be reviewed by underwriting. I did this and Selene acknowledged they received the completed required paperwork on XXXX. They claim underwriting is still reviewing the application and have not offered a repayment plan. They will not acknowledge the CFPB rules and said that even though my application is under review, it still could be referred to their foreclosure department. If this happens, they will add additional fees to the amount owed. 

I am not even XXXX days late and I want to bring the account current. I want to clarify that Selene Finance must follow the CFPB rules in Michigan and not proceed with any foreclosure filing prior to XXXX days and while the account is under review for repayment options.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX - Opened XX/XX/2018 - amount of $ XXXX These were fraudulent charges placed on my report I've never had XXXX XXXX as a provider and did not give permission to use my Credit Info . The Company did nothing when notified about the issue.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I agreed to make the full payment if the credit card removed the delinquency from my report when I was informed they rejected the original payment I made by the payment due date. I submitted FULL payment but now the company is refusing to removed the delinquency from my credit report
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX
Consumer complaint received 2021-04-27
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. (FL)

I disputed it some account XX/XX/XXXX didnt got a response I disputed again the same account but since XX/XX/XXXX I have collection an bankruptcy in affecting my credit I ask for debt verify they didnt.respond I need to fix this asp thank you
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NC)

I got into a retail installment contract with Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have been reporting 60 days, 90 days, 120 days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing changed.
Consumer complaint received 2021-08-11
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: ACIMA CREDIT, LLC (NY)

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft ACIMA CREDIT FKA SIMPL Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4.Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I have FOUR problems 1. ) I purchased a XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX. I was approved with XXXX down with XXXX XXXX. I found out later the XXXX went to an extended warranty, and Gap they told me I had to purchase instead of the purchase price of the car. 
2. ) My car was repoed without notice on XX/XX/XXXX ; the next day, I paid the repo fee and the payment I was behind and picked up my car. The rep at credit acceptance told me to make the current payment, and I could defer the next one. I paid on XX/XX/XXXX. They called and said I paid the payment one day late, so my deferment was void ; they never sent me anything in the mail saying it was void. 
3. ) My car was put in the shop on XX/XX/XXXX, at the same place I purchased it, for almost seven months, while I was still continuing to make my car payment. The warranty I paid for would never pay for it ; the car dealerships owner found out about it and paid to have the car fixed. The warranty is a scam ; I need to be refunded. 
4. ) I informed Credit acceptance that I was a victim of fraud, someone filed a fake claim in my name for unemployment, my hours were cut due to COVID, and I got behind on two payments ;  they reported it instantly on my credit when they said they would not.
Consumer complaint received 2021-01-22
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. (FL)

I mailed Equifax an Identity Theft Affidavit, FTC report and other supporting documentation, delivered XXXX XX/XX/XXXX. I spoke with a representative XX/XX/XXXX and she stated that I needed to resend my FTC report because I had missed a date and they were unable to delete the accounts. According to 15 USC 1682c-2 ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please see attached
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

So opened up a PayPal account they my good friend sent me an amount for personal use. It was received on PayPal but was pending or on hold for reasons. I waited 3 days or so then woke up this morning with an email saying I'm permanently limited or disabled. And can't no longer access my account send withdraw or get the mo I urgently need from PayPal. Rather now will have to wait for 180 days before they will refund which is not my fault for the error of disabled without an explanation. I really need that hard earned money from my account.
Consumer complaint received 2017-08-09
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. (CA)

XXXX-2017 spoke to rep at Trans Union in regards to being a victim of their inquiry issue glitch. I was given the scripted run around. Unacceptable.
Consumer complaint received 2023-01-29
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. (NJ)

the credit bureaus XXXX, Experian, XXXX are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted EXPERIAN XXXX /ACCOUT # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH # XXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED XXXX.I HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE XXXX XXXXMY NAME IS XXXX XXXX XXXX NOT XXXX  THIS NEEDS TO BE FIX XXXX XXXX  SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS TOI BE DELETED OFF MY REPORT XXXX XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT INQURIE BT ME THIS IS FRAUD THIS NEEDS TO BE DELETED XXXX. XXXX XXXXXXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS XXXX. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX XXXXXXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX. XXXXXXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XXXX XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXX NEEDS TO BE DELETED XXXX FROM XXXX UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXXXXXX XXXX DATE XX/XX/XXXX NEEDS TO BE DELETED XXXXXXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XX/XX/XXXX NEEDS TO BE DELETED
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (HI)

ShellPoint Mortgage Service Originally they told me they never received documentation for my home owners insurance. I contacted my HOA and they told me they already sent it in. 

After a few weeks I get a final notice from ShellPoint that they have not received my documentation, so my HOA sends it in again. 

Shellpoint then starts charging me private insurance because the " never received it '' raising my monthly bill to XXXX, previously XXXX give or take. After some lengthy phone calls they were able to find my proof of insurance. They told me the amount will be refunded and my monthlys would return to normal. They have not, they are still the same after the increase; for over 3 months now. When I asked them, they said it's because of a balance on my escrow account, which is only there because of them trying this scam me again the previous year with this same insurance ploy. They constantly transfer me to another department, only to be transferred back to the previous department. Communication with them is poor and frustrating. They put you on hold for 45 minutes, then say we need to transfer you to insurance department. When you finally speak to insurance department, they say they already updated your insurance information, then they transfer you to the payment department ; just to be told we haven't heard from the insurance department. I want what I'm supposed to pay, I'm tired of being overcharged for a service I do not require ; and have proven it.
Consumer complaint received 2017-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Deutsche Bank (PA)

Deutsche Bank holds a XXXX XXXX line of credit on my house at XXXX XXXX XXXX XXXX, XXXX, PA. The loan number is XXXX. They claim that between XX/XX/XXXX and XX/XX/XXXX, I did not have insurance on my property. While I did, that is NOT the purpose of this complaint. The purpose of this complaint is that during the time that Deutsche Bank claims I did not have insurance, they took out an insurance policy on my house for {$40000.00} per year. The actual insurance policy on my house costs {$6100.00}, as evidenced by the enclosed statement from XXXX 's XXXX. XXXX goes on to say that when a lender provides insurance ( " forced insurance '' ), the price can range up to 2-3 times the typical commercial cost for insurance that a homeowner would pay. Here, Deutsche Bank procured insurance of {$40000.00}, which is n XXXX times the cost of my insurance. This higher insurance rate is excessive. Absent documentation that this is a bona fide insurance company, it is also fraud by Deutsche Bank. Assuming 2-3 times the rate I would pay, the Deutsche Bank insurance should have cost {$12000.00} to {$18000.00} on an annualized basis, not {$40000.00}. As such, the pro-rated premium for the month and a half that Deutsche said I lacked insurance should have been {$1500.00} to {$2300.00}, not the {$4700.00} that Deutsche Bank charged me. Therefore, Deutsche owes me {$2400.00} to {$3100.00} for insurance premium overcharges. In the case where Deutsche would have matched the XXXX rate ( a policy that Deutsche has accepted ), then Deutsche would actually owe me {$4700.00} minus the pro-prorated {$6100.00} for six weeks ( {$760.00} ), or {$3900.00}. Please see attachments : Deutsche 's letter to the last complaint I filed about overcharged insurance, and the note from XXXX XXXX about what a reasonable insurance premium would have been.