davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MO)

A check from my escrow account was issued by Rocket Mortgage Account # XXXX but not received my my Mortgage Company XXXX Policy XXXX. XXXX is going to Expire my Home Owners insurance due to nonpayment on XX/XX/2022 I have talked to Rocker Mortgage about this problem and have asked to stop payment on this lost check and issue a new check and was told that it was a bulk payment and could not be done. I need help with this problem.
Consumer complaint received 2022-11-16
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 (VA)

PayPal has place a limitation on my account. 
Id. de referencia : XXXX XXXX I have a personal account and i don't understand why this happened if i don't have any problems with my account.. 

the payment that i received come from people that i know. 

I will like get help with this situation. 

I do not see any risk with received payment for services now my money is hold and i cant wait XXXX just because they made arbitration decision. 

Please need help on paypal
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated byXXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my XXXX  pay account to Coinbase XXXX  the instructions of the scammers. 
All details described in the letter attached.
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

This debt was negotiated with the collection agency to be paid for a settlement sum and they agreed to remove it from my credit report. They continue to report this debt as being open collection even though it has been paid. They also are not abiding by our agreement to remove as open from my credit report.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (TX)

XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like 20 companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MN)

I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. I opened an investigation with XXXX and it did remove the XXXX/XXXX/2015 entry. However, Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted both XXXX XXXX XXXX XXXX and XXXX XXXX. Both creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.
Consumer complaint received 2017-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

I went to a  XXXX  minute clinic for services in  XXXX    XXXX  . Thinking my  XXXX  card used that day was sufficient, I later learned that it was n't. I first learned that I owed money not from receiving a bill from  XXXX , but collection notices from  Transworld Systems Inc. a fter the second notice, and some of my own research that I in fact had n't paid  XXXX  yet, I then paid my debt of {$100.00} directly to  XXXX  in  XXXX    XXXX  . I am still receiving collection notices fro m TSI ( 4th   n otice ).
Consumer complaint received 2022-11-16
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: SYNCHRONY FINANCIAL (CA)

I was applying for a paypal credit card to see if I could buy necessary car parts on XXXX. I filled out the credit card form and was informed I was declined due to having little to no credit. It left a hard inquiry in my credit report that I was not sure it would have that affect.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I am a consumer attempting to correct inaccurate and unverifiable information on my consumer report. There is information that is in violation under the Fair Credit Reporting Act. A specific account which is a collection account on my consumer report is reporting inaccurately. The company has a duty to follow federal law and is in violation of the FCRA. This company has not properly verified this account. Please remove this account. 

Account : XXXX XXXX Amount : {$1200.00} Account Number : XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

Discover closed my account because I do not want to give access to my IRS tax return to XXXX. I opened a complain here and the solution they gave me is unacceptable. Under their terms and conditions there is no mention of me providing additional information to the credit bureaus. I agreed to give Discover additional information and as I told them I can release the documents to them. If they use a third party, is not on me to provide information that such 3rd party does not have. They can close my credit card for any reason but it can not be because I will not share my sensitive information with a third party. 

In addition they said they will give me until XX/XX/XXXX to contact them to keep the account open and they reported the account closed and settled to the credit bureaus on XX/XX/XXXX.
Consumer complaint received 2017-05-13
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: EQUIFAX, INC. (MO)

I am filing this complaint against  XXXX . I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I have a student loan serviced through XXXX XXXX XXXX. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

The company XXXX XXXX XXXX XXXX in XXXX XXXX, NV is requesting a debt owed of XXXX that is not accurate and the company is now closed and no longer in business and unable to be reached to resolve this falsity. 
Also the dispute states there is a 2 year lease agreement on XX/XX/2021 which is not accurate. I was moved out by XX/XX/2021 because this place had extremely dangerous living conditions which is why they agreed to terminate my lease as they proceeded to go out out of business. 
A new owner is XXXX XXXX  XXXX XXXX and when contacted they respond with they have no correlation with XXXX XXXX XXXX, were sorry.
Consumer complaint received 2022-11-15
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: DISCOVER BANK (IL)

Early this year, my daughter, XXXX XXXX, was the victim of identity theft and fraud related to her XXXX bank account, her Discover credit card and a XXXX account. XXXX is a XXXX  at Michigan XXXX, and was under a lot of XXXX  stress at the time, and the fraudulent charges on her Discover card came in 10 week period between XX/XX/XXXX and early XXXX, 2022. XXXX is not a frequent user of her credit card, and has never purchased a gift card in her life ; nevertheless, in that 10 week period over XXXX XXXX XXXX, XXXX, XXXX and XXXX gift card purchases were billed to her, without her ever authorizing or seeing any evidence of the gift card purchases that added up to over {$2500.00}. XXXX, XXXXXXXX XXXX  mother, XXXX, and I have spent countless hours over the last several months implementing a credit freeze and working to eradicate the effects of the frauds on XXXX 's financial accounts and on-line identify. Ironically, Discover who has made the most frequent and aggressive advertising claims, " All Discover cardmembers are protected with our {$0.00} XXXX XXXX XXXX, which means you're never responsible for unauthorized purchases on your Discover Card account, '' has been by far the most disreputable and impossible with which to deal. 
Very briefly, I wrote to the General Counsel, XX/XX/XXXX, hoping that he could cut through the nonsense, but he referred it to a group, " XXXX XXXX XXXX XXXX XXXX, '' that most recently reversed a decision and letter sent to me on XX/XX/XXXX that agreed to credit XXXX 's account for all of the unauthorized charges. Then, on XX/XX/XXXX, this XXXX XXXX group ignored the fact that I represent my daughter and sent her a letter reversing that decision and claiming that she is responsible for all of the charges, which are obviously fraudulent. 
I would like the CFPB to take a look into how frequently Discover ignores its own guarantee not to attempt to hold its cardmembers responsible for unauthorized charges, and investigate what Red Flags Discover has established that are obviously inadequate, given that they can not identify and alert cardmembers to the most common fraud going, on-line purchases of gift-cards in extraordinary quantities, when the cardmember NEVER bought a gift-card in her life. 
I would be happy to send you the absurd correspondence that I have, but your systems for uploading PDFs does not seem to work. Please email me at XXXX, and I will happily share the correspondence that has traumatized my daughter so. 

Thanks very much for your assistance in this matter ; I can be reached at XXXX. All bests, XXXX XXXX
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC (CA)

On XX/XX/XXXX the vehicle was involved in a pedestrian fatality/ suicide. The vehicle was held as evidence from. XX/XX/XXXX to XX/XX/XXXX. My insurance company did not cover damage or any vehicle repairs, the tow company charged a daily fee which is now up wards of $ XXXX, Wilshire consumer credit title loan is XXXX +. The incident has affected me negatively in many ways related to my mental health, finances and overall well-being.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (SC)

On XX/XX/2020, I called Money Network 's customer service phone number to make a request to close my account and be mailed the remaining balance in the form of a check. I submitted the requested information to the email address the customer service representative gave me ( XXXX ) and was told I would receive the check in the mail in 7-10 business days. 

Today is XX/XX/2020 and I never received anything in the mail from the company so I called the customer service number for an update and the representative I spoke with said they have no record of my sent email from XX/XX/XXXX. So I confirmed the email address was correct and resent the email three times while on the phone with the representative, in which they said they were unable to see it being sent in and had no further able to help me close my account and retrieve my money. They have frozen my access to the funds in the account and are have been charging a {$5.00} maintenance fee per month towards the money in my account. I simply want to close the account and be issued my money that is left in the account and they are not helping me do that.
Consumer complaint received 2017-10-12
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: Credit Technologies, Inc. (SC)

I am presently going through a refinance of my home with XXXX XXXX XXXX XXXX. Prior to selecting them, I contacted several other mortgage companies so I could compare rates and fees. I got a copy of my credit report and I saw several hard inquiries from companies that I did not authorize. 

1. Credit Technologies -XX/XX/XXXX. Called the company at XXXX and was told they pulled my credit for XXXX XXXX, a mortgage broker at XXXX XXXX XXXX ( XXXX ). XXXX did my mortgage for a home I had built in XXXX. I sent him an email simply asking what their current rates were and a break down of their fees. I did NOT complete an application nor give him approval to pull my credit. He emailed back with the info I asked - he never mentioned he had made a hard inquiry of my credit. I called today and spoke with XXXX XXXX, the manager at XXXX XXXX XXXX ( XXXX ) and XXXX tried to tell me that " XXXX had to do that in order to get you the most accurate rate. '' I told him that it was illegal to pull my credit without my authorization and he said they " can pull anyone 's credit anytime '' - he also added that he " did n't know how to remove those, anyways. '' 2. Another inquiry from last summer, also from Credit Technologies. This one was pulled for XXXX XXXX ( XXXX ), a company I 've never heard of nor dealt with. The girl who answered the phone said that mortgage broker " is no longer with the company '' - she pulled a file and said she had a " hand-written application '' - some of the info was mine, but a lot of it was not. I was told the owner, XXXX XXXX was " out of town but the message would be passed on. When I told her I wanted the hard inquiry removed from my credit - she said " oh those do n't do anything to your credit. ''
Consumer complaint received 2022-11-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

NAVIENT sent two invoices on XX/XX/XXXX for payment on student loans with outstanding balances that I am not aware that I had. My student loan debt was paid in full through bankruptcy court, XXXX XXXX, completed in XX/XX/XXXX. 
Case # XXXX I paid NAVIENT {$15000.00} on the first loan and {$8700.00} on the second loan through the United States Bankruptcy Court XXXX XXXX of Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As of today XX/XX/XXXX, according to NAVIENT they put my loans into forbearance and this was without my knowledge or consent. They claim they didn't have to contact me because we were in bankruptcy and the period of 10 years just expired so now they are attempting to collect the debt. They now want to collect an additional {$3900.00} on one loan and {$10000.00} on the other loan. ( Navient Account number XXXX ) claiming both interest and principal are owed. 

I have requested that NAVIENT send information on these loans ( the signed notes supposedly initiated in XXXX and XXXX )
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is removed XXXX inquires and a collection account from my credit report however the information has now been reinserted. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item- I was never notified!
Consumer complaint received 2015-10-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am having difficulty getting Bank of America to move forward with an approved short sale and would like to file a complaint. House was put up for short sale and we received an offer of {$390000.00} and submitted to the lender on XXXX/XXXX/2015. Received an FHA Approval to Participate dated XXXX/XXXX/2015. It calls for a list price of {$380000.00} and a minimum net proceed amount of {$330000.00}. Current net to lender is $ XXXX, which is {$27000.00} more than what the lender requires. The attorney we have hired to handle the short sale has been calling and e-mailing the lender daily for the past three weeks and the responses have been sporadic at best. Messages left for supervisors at Bank of America do not get returned. We feel as though the lender delay is a result of bad faith negotiation on their part.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX, Pa. I attempted to purchase XXXX  XXXX gift cards at {$500.00} each. The cashier range up the 2cards without any issues. The cashier attempted to scan the third card and it would say approved on my side and she said it was saying declined on her side. She scanned the card 3 times and each time it took {$500.00} out of my account for a total of {$1500.00}. I asked the cashier to get the manager and he assured me that the charges would come off of my card in the next few days. I called the credit card company to explain the situation they set up a dispute but immediately closed the dispute stating nothing was wrong. I sent them copies of the receipts of the two cards I purchased and the 3 receipts that were scanned against the third card that the cashier said was declined 3 times. I have attempted several calls to this company with no resolve. I want my {$1500.00} back.