davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a personal loan with XXXX XXXX XXXX  today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION (FL)

I invested {$3000.00} worth of bitcoin to a company that made a really good website that made it seem like I was making profit. It seemed so promising when I first began. once I seen the account hit XXXX, wanted to withdrawal money. I had to send bitcoin to get my withdrawals but I was only able to make 3 completed withdrawals. I was told my account was deactivated due to too many withdrawal requests. I needed the money really bad at the time and the seemed like my only way out at the time. It cost me {$7000.00} worth of bitcoin. Once reactive my account stopped growing. My account manager stopped communicating with me and I began to really start stressing due to my living situation this scam caused me. I asked to withdrawal my entire account of {$41000.00} but was told I needed to get a certificate to show I was the legitimate owner of the account. That cost {$2500.00}. Then I was told I need to hedge my XXXX. Ive spent over {$14000.00} trying to get my money out. Once I completed one thing they asked me to do, there was always something else. I've become financially stressed due to this. It's put me behind majorly, Please help.
Consumer complaint received 2022-09-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MN)

I sustained hail damage to my roof back in XX/XX/XXXX. It was not discovered until summer of XXXX. I filed a claim with XXXX XXXX. ( Claim # XXXX ). The roof was completed XX/XX/XXXX. XXXX XXXX mailed me a check for XXXX. I sent the check to Flagstar Bank for their endorsement along with the adjuster 's report. They sent the check back without the adjuster 's report for my and my wife 's endorsement and send it back to them. They cashed the check. I informed Flagstar the roof was completed back in XXXX. I have been back and forth with Flagstar Bank-loss dept. ( XXXX ) Asking for the check so I can pay the contractor. They told me they do not have the adjuster 's report and I need to send it to them. ( They have the adjuster 's report when I sent the XXXX check to them ). They told me they requested a copy of the adjuster 's report from XXXX XXXX the XXXX XXXX claim rep. I spoke to XXXX XXXX on XX/XX/XXXX, sat. evening when he called, and he told me he had already sent Flagstar the adjuster 's report. I called Flagstar XXXX XXXX and spoke to XXXX on a recorded line. She informed me they already have the adjuster 's report and will release the funds and order a roof inspection. The roof was inspected on XXXX XXXX. To this date, I have not received the check for XXXX. Can someone tell me what Flagstar is pulling? Did they invest the insurance company 's money and do not want to release the funds? It appears they are using the adjuster 's report as an excuse not to release the funds when they have had it all the long. I looked into my file last night, it said waiting for documentation??????
Consumer complaint received 2020-01-23
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. (CA)

I applied for a personal loan with XXXX XXXX XXXX   today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-15
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: JPMORGAN CHASE & CO. (TX)

There was a family member using my social security number and name opening credit card account. 


I did open the credit card but was stolen by a family member.
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

I paid {$3900.00} on my federal student loan, to EdFinancial Services ( I have the receipt to confirm this ), I requested a refund on XX/XX/XXXX. I was told I would see my refund in 60-90 days. I have received NO refund. Also, my account does not reflect the new balance with the {$3900.00} being refunded. Every time I call, I get a representative telling me to wait a different amount of time. I desperately need this money and I need my account to reflect my new balance, for Biden 's forgiveness.. I am pleading for someone to help me as I am terrified of waiting much longer. Also, why are other student loan services completing these refunds so much more efficiently? 

All in all, I just want my account updated and I want my hard-earned refund, that I sorely needed weeks ago..
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (TX)

XX/XX/2022 mobile check deposit started XX/XX/2022 check rejected with no explanation and a warning not to try to deposit it again XX/XX/2022 after 1 call and a chat no one wants to give me a reason as to why the check is rejecting, only that they cant bc of security reasons, which is frankly ridiculous to me as my name on the check is the same as the account holders 2nd call XX/XX/2022 reached a supervisor and told me they rejected the check bc it's an external bank transfer ( I'm not a financial whiz but this seems like the definition for every check ) and I needed to link that account to transfer funds. The check is coming from my 401k provider so I'm unsure as to how I would link an external bank account to fix the issue
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brennan & Clark, Ltd., LLC (VA)

We want to report Harassment by Brennan & Clark. XXXX purchased XXXX and we wee a legacy account for phone service under an old agreement. Our service had failed ( dropped calls bad connections ) and XXXX could not fix the issues blaming XXXX who blamed XXXX. We had very old outdated XXXX equipment so wanted to upgrade. No sales person would return multiple calls / emails & after not hearing from them we finally sent an email / on line chat / mailed letter saying we will be moving off XXXX & onto XXXX to resolve the phone issues. XXXX did work with XXXX to properly port our numbers. After we switched we were finally contacted by a sales rep from XXXX who apologized for all the issues & agreed to a {$2000.00} cancellation fee - which we paid - see attached copy of check which they cashed. Apparently this went to the wrong dept - XXXX & NOT XXXX XXXX which was handling our dispute & for some reason XXXX charged us an $ XXXX cancellation instead of the agreed on $ XXXX ( or even the $ XXXX per our outdated contracted with XXXX ). We never had a new agreement with XXXX. The person we've been dealing with at XXXX XXXX ( XXXX XXXX ) agreed they should not have forward this to a collections agency and advised us to tell the agency to " refer back to maker '' which we did. The agency, Brennan & Clark, & their rep XXXX XXXX, says they will continue to call until I pay them at least $ XXXX more to make this problem go away & to prevent them from filing a lawsuit. He refuses to " refer back to maker '' & will not call XXXX to verify that we actually had an agreement or to get even a copy of our XXXX contract. He basically said WE have to provide " all the evidence '' & that all they have from XXXX is an old outdated invoice ( which has the incorrect amount on it which XXXX XXXX said months ago he took care of ). B & C appears also unaware of the $ XXXX we already paid. In other words they claim it's not their job to talk to XXXX about anything. I've asked them not to call ( only write or email which they have not done ) but they insist on calling multiple times daily " until this is resolved. ''
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (UT)

I have the care credit card and I am seeing a lot of other are getting targeted for the care credit XXXX and I would to include myself in that offer so I called customer service talk to all these worthless reps overseas that have no idea what I am talking and wait for a manager and there is no way these reps can transfer to a manager the call stays of hold for ever and they can never get a hold on the don't want kind of customer service synchonary is running but its the customer service in the world and something needs to be done about it. all I want to do is try to upgrade too the care credit XXXX I have my run ins with shynchnoary have used to be able to get hold of the cooperate offices but no more they changed all the phone numbers and you cant get a hold on anyone at all I left messages on XXXX XXXX voice mail and have no heard a thing back and I even XXXX XXXX and XXXX XXXX and have not heard back one single thing this is the only way to ever get a hold on anyone
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CollectPark, LLC (TN)

I accidentally parked my car in the wrong ( unmarked ) lot on XX/XX/21. Within 5 minutes I realized I was in the wrong spot. I came back to move my car but was already booted. When I explained the mistake to the attendant ( who I did not see when I parked ) she was unmoved and made me pay her on the spot {$80.00} before removing boot. Payment proof attached. The parking company XXXX ( XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX, TN XXXX hired Collect Park out of XXXX, Az to further harass me, and to incredibly try to get me to pay an ADDITIONAL {$60.00} Clearly an illegal and abusive practice.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (TX)

I've been a customer of XXXX XXXX since XXXX. I had deposited about XXXX ETH on their platform under their EARN program which promised a certain number of percentage yield depending on the amount and the coin. I also had some Bitcoin, Litecoin, and LINK coins on their platform as well. 

XXXX offered us loans using our cryptocurrency as collateral at low interest rates. On XX/XX/XXXX, I took a loan against my collateral of roughly XXXX ETH. On XX/XX/XXXX, due the a margin call, I decided to close out my loan and emailed XXXX requesting to close out my loan via USD payment. On XX/XX/XXXX, they responded by sending me instructions on how to send the wire of {$15000.00}. In the meantime, while the process of repayment was expected to take up to 5 days, I put up another XXXX ETH collateral to avoid the loan going into default as instructed by XXXX. Later that day, XXXX announced they were pausing withdrawals. As you already know, they would go on to file bankruptcy. 

I had every intention of paying the {$15000.00} off and even had submitted the wire through XXXX. I have confirmation that I sent to XXXX. THANK XXXX that it was late at night and it hadn't gone through yet so i was able to cancel it. Unfortunately, XXXX still took XXXX additional of ETH and locked it up without giving me the option to repay and release the ETH back to me. I wish I had withdrawn that ETH and went into default instead. Being an honest and responsible consumer who plays by the rules cost me that money. 

I'm a middle class guy and the ETH amounted to over $ XXXX at its point. This is part of me and my family 's retirement. I feel scammed and betrayed. The advertisements and marketing of XXXX was that we could always pull our money out and it was a super safe platform. There was no indication to me at all that they were at risk of anything until it was too late. 

It was described like it was a place I could place my money and earn interest similar to a savings account at a traditional bank except with better interest rates. It wasn't absurd. It was only 4-5 % that I was earning. Unfortunately, I would later learn that they were taking customer funds and essentially gambling it away. The founder and the company constantly advertised and stated publicly that you could withdraw your funds at any time just like a bank but here we are.
Consumer complaint received 2022-08-02
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 (TX)

My Wells Fargo card was used fraudulently on XXXX at a vendor called XXXX XXXX for XXXX purchases totaling {$7900.00}. 

Here is the sequence of events. I used my Wells Fargo card at a gas station called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). Soon after, I got an email from XXXX that my XXXX card had been used at a place called XXXX XXXX for a charge of {$7900.00}. I reported this as fraud and XXXX didn't let it go through. 

Soon after this, I get a text from Wells Fargo that my XXXX card was being used at a place called " XXXX XXXX @ XXXX XXXX XXXX '' for {$4000.00} which I reported as fraud. In the fraud email from XXXX I could see below the {$4000.00} charge were XXXX additional charges at a vendor called Gold Time for {$3700.00} and {$4200.00} ( which XXXX had allowed to go through ). 

I immediately called XXXX and reported all XXXX charges as fraud, but this claim was denied because I had both cards in my possession at the time of this charge, and they think the chip was used. I do not know how this is possible. I don't know how these systems or scammers work, but clearly, something was going on at the XXXX XXXX XXXX that compromised my Wells Fargo card and my XXXX card for almost exactly the same amount.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (AL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX. Inquires : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  - XXXX  XXXX.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. They address they provided to reach them is not accurate and the mail was returned. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (WI)

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I was told by Venmo customer service that the reason my dispute was denied was because they stated they seen the transactions that ARE unauthorized were made more than once at the same merchant etc. I again did not make any of said transactions and need my money back that is MINE.
Consumer complaint received 2019-11-06
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. (MA)

So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XX/XX/22 someone went into a branch a took XXXX from my account ( as they recall ) It wasnt me and I dont know how this could have happened But Wells Fargo denied my claim cause of everything that the person committing the fraud did right by using my card and id to say the signatures match which is impossible if I never went into a branch I feel this is fraud on the banks behalf for holding me accountable for this fraudulent transaction If theres anyone who understands my problem Im asking for help please This is my hard earned money Please
Consumer complaint received 2021-08-24
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 (NY)

My business is buying and selling clothes online, all through Paypal. 

XX/XX/21 : I sold a hoodie for {$850.00} on the website XXXX. I have been buying and selling on XXXX for over a year and a half. XXXX is a very big company and works directly with PayPal. I have never had an issue from Paypal regarding any buying or selling on XXXX. 

XX/XX/21 : Paypal limits by business account and says they need for information to verify my business. I submit screen shots from my XXXX account of my purchases that were later sold on the same website. All buying and selling has been through XXXX and Paypal. I also submit my driver 's license and a description of my business. 

XX/XX/21 : Paypal says that after a review, they have decided to permanently limit my account. The {$850.00} in the payola account is now on hold for 180 days. 

XX/XX/21 : Around XXXX XXXX  noon, I talk to XXXX at Paypal. She is a manager and says that a human at PayPal looked at my information and permanently limited by access to my business account. I asked her to look into it and she says that they will but they can't tell me why it was limited. She says it'll take 24-48 hours to get an email. 

XX/XX/21 : I have not received any reply back from Paypal, the {$850.00} that was going to be used for rent is now stuck for 180 days, and nobody will contact me. The hoodie has been delivered to the buyer.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (SD)

Monday morning XX/XX/XXXX, I changed my password to access my accounts online. There was a fraud alert placed on my account and they locked me out of it. I was told that it would take 24 hours to determine if there was fraud or not. I asked to speak to a supervisor as I'm running a business and need to access my accounts. A supervisor hung up on me after being extremely pissy. Called back and asked how they were going to determine if it was fraud or not if they didn't call me, text me or email me. They said they didn't know and had no way of getting in touch with the fraud department except by email. I was promised that a supervisor would work on it and that someone would call me. Tuesday morning, XX/XX/XXXX, I called again, no notes were on my account, the account was still locked and no one still knows what's going on.