davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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 (SC)

I have used Venmo for many years and have never had a problem. I have enjoyed the app and it has been easy to use. I trusted them with their service but that is not the case any longer. XXXX XX/XX/2022, I tried to transfer funds of {$100.00} from my account to my bank account only to find out that my account was " suspended ''. I never received an email, I never received a notification on my phone, I was not contacted in any way. I contacted them on XX/XX/2022 and asked for an update on how to unsuspend my account. The customer service team told me they couldn't provide an answer and I would need to wait for their " specialized '' team to reach out to me in 6-8 business days. I decided that a phone call might help speed up the process, I called and still received the same answer. I contacted them again today, XX/XX/2022 and they told me the same thing, but this time, the timeframe can be up to 3 weeks. The CS agent said that I " might '' hear something by XX/XX/XXXX. I still can not access my funds. I still do not understand why my account has been frozen. I believe Venmo, like many other financial institutions, invests the money that I have in my account to make themselves money and they're holding my funds to benefit themselves. This is an unacceptable policy they have.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the following accounts listed on my Transunion credit report, as I believe they are unverifiable and inaccurate : XXXX. XXXX XXXX XXXX Account in the amount of {$870.00} Account in the amount of {$920.00} XXXX. Paradigm Assets Recovery Account the amount of {$14000.00} Transunion has previously responded to my dispute by stating that the XXXX XXXX XXXX accounts were verified. However, I have never received any documentation or proof of these debts from XXXX XXXX XXXX. Additionally, I have never had a contract or signed agreement with XXXX XXXX XXXX, a collection agency acting on behalf of XXXX. XXXX also has no record of any application bearing my signature. Similarly, regarding the XXXXXXXX XXXX XXXXXXXX account, I have not received any proof or validation of this debt. I have no recollection of any agreement or contract with XXXXXXXX XXXX XXXXXXXX, and there is no documentation provided to substantiate this claim. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a full and documented verification of any account reported on my credit file. Without such proof, Transunion has no grounds to claim these accounts are verified. Furthermore, under the doctrine of estoppel by silence, as supported in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, it is assumed that failure to provide proof when required indicates that no such proof exists. Therefore, if XXXX XXXX XXXX and XXXX XXXX  XXXX can not produce documentation proving these debts, it should be presumed that no such debts exist. I formally request that Transunion : XXXX. Provide me with documented proof from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX verify the legitimacy of these accounts, including any contracts bearing my signature. XXXX. Delete these accounts from my credit report if no documentation can be provided. I appreciate your prompt attention to this matter and expect a thorough investigation, as required under the FCRA. Please respond with confirmation of your investigation and any resulting changes to my credit report.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I received a call from Citibank stating that someone in Kentucky was trying to use my card for purchases at XXXX and gas station. 
They also noticed as attempted {$2000.00} wire transfer. 
After that call, while looking online, I noticed major changes in my accounts : - 2 fraudulent accounts opened successfully under my name - Money being moved from my main checking account to my other accounts, and to the fraudulent accounts. 
- As I was trying to get hold of Citibank via phone, I could see {$5000.00} was deposited into each of the fraudulent accounts, and by the time I got through to a Citibank person, having been transferred from department to department, both accounts were drained as XXXX payments were being made to unknown people from these accounts. 
- By the time I spoke to someone, 9 fraudulent transactions had been made, amounting up to approx {$20000.00}. Citibank had NOT stopped these transactions. 
- I kept asking whether my accounts were now safe, I was told yes. 
- XX/XX/XXXX, I saw someone had applied for a personal loan from my account. This has affected my credit score. 
- XX/XX/XXXX, 2 more payments were attempted. 
- Snapshots were taken of my accounts, including the fraudulent ones, before deleting app from my phone. 
- XXXX XXXX XXXX : 3 days spent at Citibank XXXX XXXX branch . Noone is able to open a basic account for me. Appalling customer service. New account is 'lost ', many comments from staff like 'I don't know how to do this. ' Bank staff do not return my emails. 
- XX/XX/XXXX XXXXpm I ask to speak to manager at my local branch. He manages to open up an account for me, but the bank card does not work. This means for 3 days I had XXXX access to any funds and this weekend, although now I have a basic account, I can not access those funds as my ATM card doesn't work, so I need to return to the bank for the 4th day on Monday. 
- XX/XX/XXXX : I notice while looking at my accounts with the manager that another account has been drained SINCE the 'block '. I can provide snapshot of my account as of XX/XX/XXXX, after the 'block ' and yesterday 's account. This means a further {$3000.00} removed. 

The incompetency of Citibank is staggering. I already closed my Business account last year, but this incompetency is a whole other level. 

I am a XXXX Member and own a business here in XXXX XXXX. If this is the level of support a XXXX member gets then I feel very sorry for those who don't have the time and resources to take action I am doing. 

I refuse to wait 45 days for a 'decision ' to be made regarding the fraud. Clearly Citibank could have acted faster. I will not be able to pay my estimated taxes if these funds are not returned asap, and currently we have no bathroom because after demolition, the contractor was expecting payment and Citibank has ensured I have no access to my own funds for almost a week.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fairway Independent Mortgage Corporation (IN)

A mortgage company named XXXX reported a 30 day late payment on XX/XX/2019. I do not know who XXXX is and I have never had a mortgage with them. In this same time frame my mortgage was with Fairway Independent Mortgage Corp. The house I had with Fairway was sold and I closed on XX/XX/XXXX, XXXX about XX/XX/2019 they sent me a late notice on my mortgage that I closed on XX/XX/2019. I contacted their credit department and told them that I closed on that house on XX/XX/2019. They said that they had not received the check yet. The closing company said that it was sent the next day after closing. After several phone calls it turned out that Fairway lost the check. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ph:XXXX put a stop on the old check and wrote a new one. XXXX XXXX. told me that I wouldn't get a negative remark on my credit report because this was not my fault. I just discovered that it was reported to the big three and XXXX XXXX. This entry caused me to be denied a VA mortgage by XXXX XXXX. I don't know if XXXX has anything to do with Fairway or if the dates are just a coincidence.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (KS)

On XX/XX/2022 I filed a claim with Navy Federal Credit Union ... I was told by representative that an investigation would take place and that after XXXX business days you MAY received a Temporary Credit to your Account... on XX/XX/2022 I spoke to a Navy FEDERAL CREDIT UNION representative and they informed me that I would be receiving my Temporary Credit on Tuesday XX/XX/2022... Well its Tuesday and no Temporary..Called Navy Federal Credit Union on XX/XX/XXXX and they 1st brushed me off, then hung up on me, and when I called backed iwas told there Policy .... '' We May or May not issue a Temporary Credit to your account... I then told them the Representative on the XXXX told me that I would receive my Temporary Credit on Tuesday, XX/XX/2022... They Refuse to Honor that Statement even though they were able to verify that phone call on XX/XX/2022 in that the Navy Federal Credit Union Representative did state that I would be receiving my Temporary Credit on Tuesday, XX/XX/2022 2022
Consumer complaint received 2021-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus  so please hear me out. A few days passed and I still did not hear anything back.
Consumer complaint received 2019-10-23
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. (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

Filed a dispute in XXXX with Synchrony Bank regarding an item on my statement. 
XXXX XXXX wrongly billed me for repairs performed on another person 's car ( XX/XX/XXXX ). 
The name on the transaction was not mine and the car in question was not mine either. I submitted all the related documents at the time of the dispute to Synchrony. Synchrony failed to investigate the dispute. They also failed to communicate to me their unwillingness to investigate/ or report result of their investigation. Rather they intentionally did not include this item in the minimum balance due for XXXX. For XXXX good years I was not informed the result of dispute filed. This amount also was not in my credit report until XX/XX/XXXX. 
On XX/XX/XXXX, Synchrony wrote me stating they will include this amount in my minimum due balance. They further proceeded to put it my synchrony revolving account balance which is being currently reflected in my experian credit report. I have had this card since XXXX and this extreme poor treatment of a customer is demoralizing. My current credit score is XXXX and Synchrony is bent on destroying my credit score. I have never had to pay interest on this card because I have always paid more in other to avoid interest. 
I will explore all legal options open to me and will report the same to the Illinois attorney General 's office. Please publish this report including bank name.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

Someone is using my name to get medical help in state of texas. Letters from collection agency from XXXX XXXX XXXX XXXX XXXX, XXXX attorney at law. There is also another from XXXX -ran emergency physicians. These debts were not me cause I live in California n not in Texas.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Everest Receivable Services Inc. (TX)

orginal account XXXX XXXX XXXXXXXX XXXX XXXX XXXX contacted me around XX/XX/XXXX told them that was not me. XX/XX/XXXX and XXXX XXXX text messages XXXX XXXX and XX/XX/XXXX messages as well. now everest receivable services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is contacting me by letter on behalf of XXXX XXXX as of XX/XX/XXXX there were more but this is information I kept track of
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

I opened an account at XXXX XXXX to receive a small discount when purchasing a new laptop. This store is in XXXX, Ohio close to my home there. The total amount of the purchase was {$600.00}. The store application for the credit card of the store would not accept my telephone number that I use in XXXX, I listed my XXXX telephone number which does not work in XXXX. I live part time in XXXX and only return to the states every 6 months. 
I received the laptop and returned with it back to XXXX XXXX, XXXX on XX/XX/2021. In XXXX my daughter sent me a copy of the statement from XXXX. I tried to set-up an account but you must use the XXXX telephone number ( which I can't here in XXXX XXXX I have called and requested that they send me a invoice via my XXXX but they refuse to do that? They also refuse to call my phone here in XXXX? So I called Wells Fargo and paid the full amount of {$600.00} with my checking bank account at chase. I requested that they close the account since they won't send me anything through my email account? I was given a confirmation number ( XXXX ) on XX/XX/2021 from XXXX # XXXX person I called. 

On XX/XX/XXXX I received an email saying to contact them about my account? You can't reply to that email? They request that I call? I tried to call ( which is another international call charge ) and they put me on hold for over 30 mins? Very frustrating! 

On XX/XX/XXXX, today I again called and asked why my payment did not go through and was told that the agent used a account number that was not correct? I asked for a way for me to pay this now and was told that I must again give them my checking account number or a debit card? ( My checking account is a debit card ) I told them I would pay the original {$600.00} now ... but they would not give me a way to do it using my XXXX XXXX or other credit card?? I requested to speak with a supervisor and was put on hold again? After 30 mins no one came back to my call! I hung up. 

I'm writing for you to hopefully intervene on my behalf to correct Wells Fargo 's poor communication in the way they are refusing to accept payment online? Once again : They will not contact me via telephone here in XXXX? 
They will not give me another way to pay my account online They will not send me direct emails and force me to spend international telephone calls to them? 
They keep adding late charges and interest on my closed account? 
When I call I'm put on hold and transferred to others? 
They will not let me set-up an account unless I use my american telephone number? 

I'm XXXX XXXX XXXX and all of my outstanding credit with other charge accounts have been damaged by Wells Fargo saying my closed account is delinquent? 

I just want a fair way to pay this bill. My telephone number is XXXX XXXX XXXX. My XXXX is XXXX.
Consumer complaint received 2021-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (CA)

We tried to payoff our loan on XX/XX/XXXX. The payoff amount listed on their website stated for that day was {$2300.00}. It stated that the online payment was disabled and we needed to call to make payment. The representative told us a payment was already processing for {$320.00} for the following Monday XX/XX/XXXX and that we would have to call back that Monday to get the payoff amount for that day. We called back twice to talk to them more on why we could not pay off our loan and we were hung up on. I called our bank and the said they saw no payment pending on our account. We feel that they would not let us pay off our loan so that they could make more money off the interest that would accumulate over those three days.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Basically my bank account overdrew by {$400.00} because I miscalculated my new rent amount. I moved on XX/XX/2021. Not super salient to this conversation but my family in XXXX all came down with XXXX  over the weekend. 

I was moving that day and so could only put cash in the ATM the same evening. Had to draw it from an emergency account. 

However I got hit with {$70.00} in overdraft charges anyway. Even though I put cash in the ATM the same day at XXXX XXXX 

I attach a transcript of my conversation with the bank. This is definitely super wrong. I don't understand how the bank can legally keep a structure that makes this behavior permissible here in California, or how this is allowed anywhere in the XXXX. Regulators check these predators please!
Consumer complaint received 2021-06-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

Citibank offered me XXXX XXXX XXXX bonus miles for opening a savings account. 
I followed all of the requirements exactly in regards to content and timing. 
Minimum of {$10000.00} new to Citibank money held on deposit for minimum of 60 days and that would qualify for XXXX bonus miles. 
We fully understood that the disclosure stated the bonus would be paid 90 days after the account was opened. Well, We have met all the exact requirements and Citibank still has not delivered on their promise for the payment of 20,000 XXXX XXXX bonus miles. The time frame has passed. I believe this to be a systemic UDAAP issue where Citibank deceptively tries to gather deposits with the " promise '' of paying bonus in cash or flying miles only to not deliver according to their disclosure. We looked at all the complaints on line and it is absolutely amazing the amount of people have the exact same scenario!!!! This seems to be a recurring practice by citi not just a one off and I would hope that you as regulators and more importantly protector of the consumer will step in and make them 1 ) give me what is owed and PROMISED to me in their disclosure and promo and also penalize them and make them pay for this horrible practice. I am one of thousands!!!! Please contact them to have them deposit the bonus miles to my frequent flier account. This may seem trivial to some but it is a clear fact that I would NOT have deposited money with this bank had I not been offered the bonus miles. Citibank benefitted by offering a lower interest rate in exchange for the promise of the bonus miles. so they profit and the consumer ( me ) has to literally fight to get what I was told by them in a disclosure. I contacted them several several times by chat and they kept telling me do not worry the miles will be paid by the 150th day well they were NOT. Then they actually gave me a hard time for asking about it and acted as if it was no big deal. They have all the info all the contact and verified that I met all the criteria and timing!!! Please step in! 
Thanks!!!
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (TX)

I tried to send AFFIRM INC a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AFFIRM INC is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. I already paid the account. 

I never received any response from them and they did not update the credit report as disputed. 

AFFIRM INC is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.