davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (NY)

The owner of Celsius Network, XXXX XXXX, described Celsius like a bank but operated like an unregistered hedge fund with extremely risky investments. They then froze all withdrawals on XX/XX/2022. I currently have {$35000.00} with them and they have lost my money and froze my account. This is contrary to everything XXXX XXXX has stated in his XXXX videos even up tho the week he froze my account.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I received a letter from XXXX XXXX onXX/XX/XXXX saying that they would remove all four accounts from my credit. It is nowXX/XX/XXXX and they are still on there. i have enclosed the letter they sent me.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (WI)

Hi! I received a prepaid debit card as a gift in XX/XX/XXXX. I went to the website XXXX on XX/XX/XXXX so I could start the process of using the card. I could get in as First time user. Well, the balance was XXXX. I saw a name on there and a notice that the card was used in XXXX of XXXX and an XXXX claim number. The prepaid customer care or supervisor would not help me. They said I need a receipt. This was a gift card. That was over a year ago, I am not asking for a receipt. That isn't the proper thing to do. I called back and a XXXX gave me a claim number and stated I could fax the front and back of the card and my id to get some help. I tried the fax machine 6 times without getting through. I can not get back into the website to get all the person 's information that stole my card. I know the name is XXXX He and the location was Illinois. XXXX confirmed this. They said they would put a stop to their use of XXXX. I called back again to VISA prepaid on XX/XX/XXXX at XXXX XXXX. to ask for some help. I was told I need a receipt. I am out {$100.00}. Do I have to have the police call the VISA prepaid to arrest that person for stealing {$100.00} from me? I can not seem to get any help through the VISA prepaid people. They are blaming me. They say I need a receipt. Why didn't the person who stole the card need the pin number or the three digit code to use it? And, why don't they call that person to get a copy of the receipt, a copy of the card, the pin number, the three digit code? I have the card. Do they? The responsibility should be on them. I am out {$100.00} dollars and have to defend myself?? Thank you for trying to help me!
Consumer complaint received 2020-04-22
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. (TX)

I went to XXXX XXXX  shop to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.
Consumer complaint received 2022-01-05
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. (PA)

Macys/Department Stores National Bank furnished information about a closed account to XXXX different reporting agencies, those agencies are XXXX, XXXX, XXXX XXXX XXXX File Report account number XXXX as well as account number XXXX and XXXX. I provided Macys/Department Stores National Bank with 9 Exhibits labeled Exhibits A-Exhibit I to show you the violations of the Fair Debt Collection Practice Act Pursuant to Title 15 USC 1692d XXXX XXXX ).
Consumer complaint received 2022-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

My bank account was hacked so informed Wells Fargo they closed the account so I thought they still allowed other individuals i did not know use the account there was transfers withdrawals and loans opened in my name with out my permission and every time I try to resolve the issue Im place on hold and left on hold for hours there all apart of the scam
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ID)

We did a wire transfer to pay off our Mortgage with Nationstar Mortgage for XX/XX/XXXX they are charging us interest for the month of XXXX and it appears they took the PMI payment out of our escrow We contacted them and asked why this was not processed on the XXXX and we were told it would be done on the XXXX and release the lien and keep our interest. once they were further questioned we were put on hold and they did not return
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc (CA)

This is the email I sent to the Office of the President on XX/XX/XXXX since customer service is not reachable, due to CV-19 as the recorded message states. 



Fraudulent Activity and No Assistance from PayPal XX/XX/XXXX, XXXX XXXX  to executiveoffice I'd like to make you aware that it is impossible to report fraud and get in contract w Paypal. I received a debit card in the mail that has my name but I didn't order the card. In fact, I had fraud multiple times in the past with PayPal, and also my family members. I asked to close down all PayPal accounts and not to open new ones. 

The number on the card is XXXX with the name XXXX. When calling customer service, no active agents are available during the weekends. Also, since I don't have an account with PayPal I'm unable to log a ticket. 

Can someone contact me and help me through this problem? I'm beyond frustrated about this situation, especially since I asked to flag me to not open any accounts in the future. This is like a situation of a do not call list and your company ignores customers. I'm wondering how often this happens to other folks. Or, if management is even aware what is going on with this type of problem. 

Obviously, your company has no adequate internal controls to prevent fraud and protect consumers because you put undue hurdles in place to even talk to your company. Unless I hear from you by XX/XX/XXXX I will contact the CFPB and XXXX  to log my complaint. 

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Consumer complaint received 2017-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I made a purchase of XXXX LTC ( litecoin ) for {$4000.00} USD debited out of my bank account, few minutes later I received an email from Coinbase support saying Unfortunately, your purchase has been canceled. If you were charged, you will receive a full refund to your bank account within 3-4 business days. ), 2 weeks later and I still never received a refund into my bank account and coinbase never returned my emails, they do n't even have any phone numbers listed so we cant ever call them for help. I then on XX/XX/XXXX I  reversed this transaction through my bank XXXX, I rightfully got my money back a few days later, then on XX/XX/XXXX coinbase send me another email notification that they sold XXXX XXXX ( ethereum ) out of my account to recover {$4000.00} ( this is something I had previously purchased totally unrelated to this litecoin transaction and was purchased for the same exact dollar amount ( XXXX ETH for {$4000.00} ) on XX/XX/XXXX and fully paid for and settled, as you can see they had no right selling another asset to recover funds that were n't theirs, I am asking for my XXXX ETH to be put back into my account, I have all bank and coinbase transactions and proof needed, I have sent 6-7 emails to their support and no one gets back to me, Additionally on XX/XX/XXXX, I sold  {$3800.00} worth of Litecoin with the intention of buying another currency, after the sale the {$3800.00} went into my US Dollar wallet in Coinbase, then I tried to make a purchase with the funds in the US Dollar wallet and I get a system  notification that all buys in my account have been frozen, so now they are holding my money hostage and I have no way of getting {$3800.00} back, again they do not response to any emails..
Consumer complaint received 2022-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX, a representative from XXXX, XXXX XXXX XXXX stated that a sheriff would serve me in my home with a court order and that I was in serious legal problem. I was informed that XXXX, XXXX XXXX XXXX had already processed the court order claim and that I should have checked with the court for my hearing date. She added that the hearing court had passed, and the sheriff was coming to my house. I mentioned that I should have received prior communication from them when filing a claim with the court. The lady was adamant in repeating that I was in serious legal trouble. 
I had contacted XXXX, XXXX, and XXXX in response to a letter from them explaining that I had filed a cease and desist letter in XXXX to a prior collector for the same debt. I further explained that I had been a victim of credit fraud and the charges were not mine and that I had filed my case with the FTC and Virginia
Consumer complaint received 2023-02-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center (OH)

This company is trying to collect a debt from the wrong person and we have informed them of this. The company is  Nation Recover Center.  Their phone number is  XXXX   XXXX   XXXX . They have been calling once or twice a day for approx 10 days. This number is now on our call block.a
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (DE)

On XX/XX/2019, I clicked on the " XXXX XXXX Support '' icon to get an agent for a tuneup. The regular icon for this process was clicked on and the regular process info was run. Then a conversation block comes up on the left side to type to the agent your name, phone number and brief description of problems to resolve. Then it asks to allow XXXX and consent is checked Tune up was run and I was called after the closing screen read that the service was done and I received a phone call. Normal when anything needs to be reviewed. I was told that I needed an XXXX XXXX package because of foreign ip 's attached to mine. The cost was X $ s for 1, 3 or 7 years. I chose 7 years for {$490.00}. 
The agent asked me to go to the local store to pay for the protection but the store would be closed by the time I got there. Another option was presented on bestbuy.com website for XXXX gift card and others to cover the cost and have redemned.Cards were sent to my home address and then the same phone number ( XXXX XXXX ) called back for the codes for the payment after giving codes he said that this was eligible for rebate and expect a call ( XXXX XXXX XXXX ). He wanted me to pull up a screen and enter my bank account so the rebate would be made. I refused. Since then I have been trying to resolve with Best Buy, XXXX XXXX, local detective, Citi bank ( credit card for Best Buy ). Was initially charged {$500.00} and nor is {$610.00}. Given a Citi Bank address to write my complaint and talked to Delaware Attorney General 's office. My credit card was stopped and replaced. Spoke to all companies mentioned above in XXXX, XXXX, XXXX. and XXXX with no resolution
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDICO. INC (SD)

I received a the first notice from Credit Collections Bureau dated    XX/XX/XXXX . Upon receipt of the notification, I called and left a message for a return call. I never received the return call. One week later I had a notice for certified mail. Within the certified mail was a notice of a small claims lawsuit. The deadline to respond to the denial is   XXXX   XXXX   2017, which I intend to do.
<P/>
I was not given enough time to respond and dispute the debt ( 15 ) days from the first notice received to the date of the Notice of the small claims lawsuit being served.
<P/>
The amount of interest that has been charged is {$440.00} and the total amount of debt was {$530.00}. How long has this been in there office without trying to reach me? I believe this could be from an surgical operation back in  XX/XX/XXXX , How long is the statute of limitations on these debts within my state?
<P/>
I am aware of the collection practices of this firm and to my knowledge this is a collections tactic they use. Placing a small claims judgment against a consumer whereby it is entered and then they place a wage order on the consumer.
<P/>
How is this practice not a violation of UDAPP?
Consumer complaint received 2019-10-21
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: Total Card, Inc. (IL)

I asked to have the program fee waived and I needed this card for my new job. It seems like my request is being ignored.

I received the Total Card Visa in the mail. I called to see if the program fee could be waived. When it could not be waived I tried to pay it via my checking account and a debit card. I was told that if I pay the remainder via debit card my account would be opened. My cousin tried to help me out with that and I was given a different date as to when the card would be activated. I have cold corporate several times to complain about this. Whenever I'm transferred over to the presidential line, it goes straight to voicemail. I have not had anyone contact me except for one time. The way I see it this be should be waived because of all of the crap I've had to endure trying to get this one issue resolved. And the way I see it, I shouldn't even have to pay my first month minimum payment because of this mess. I feel like my issue is just as important, and I shouldn't have to wait days for someone to get back to me only to tell me they can't wave it when I know that there is a way you can do it. The program fee is {$89.00} of which I've paid 30. And this is not even money of mine this is money that belongs to my cousin that I have to pay back. I don't like the  miscommunication that I've been given and I feel like I should have this card activated because of it.
Consumer complaint received 2022-08-04
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. (TX)

Pursuant to 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Reviewing my consumer report I found several instances where there was inaccurate information that has created an unfair situation for me. I was never notified when this inaccurate information was furnished. I was also never notified about the initial investigation that led to the reporting of this inaccurate information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These repeated occurrences have undermined my confidence in EQUIFAX INFORMATION SERVICES and the banking system as a whole. Therefore, if this information is not removed, I will no longer be extending credit and will request that all of my information be removed from EQUIFAX INFORMATION SERVICES records.

Pursuant to 15 USC 1681 ( a ) ( 2 ) : EQUIFAX INFORMATION SERVICES is a powerless elaborate mechanism. This grave error has ruined my reputation, credit worthiness, credit standing, credit capacity and tarnished my character as a consumer.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : EQUIFAX INFORMATION SERVICES has assumed this role. EQUIFAX INFORMATION SERVICES was not given express permission by XXXX XXXX or a competent court of jurisdiction. You have violated my rights as a consumer over and over again within the initial investigation as well as assuming that the information received was accurate. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX INFORMATION SERVICES is required by law to exercise their grave responsibilities with fairness, impartiality, and with respect for the consumers right to privacy. EQUIFAX INFORMATION SERVICES did not consult me as to the accuracy and validity of this information and assumed the transaction took place based on an unfair, partial perspective of a third party. As a result, my privacy has been violated.
Consumer complaint received 2017-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Loan #  XXXX  Lende r : WF Address:  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   ,  MD  XXXX  I bought this unit and financed it with  XXXX   XXXX   .   Wachovia bo ught  XXXX   XXXX .  Wells Fargo used bailout money during the housing crisis to buy Wachovia. After acquiring Wachovia, WF called m e in  XXXX  claiming that I owed on the account and sent a bill of {$8000.00}. I disputed the bill, stating that the loan was pai d off. Wells Fargo asked me to make a payment arrangement while it researched my claim and that I would be refunded accordingly. In order not to injure my credit, I agreed. WF began drafting automatic payments from my account and suddenly stopped, referred the account to its lawyers to begin foreclosure. I threatened to sue them and their lawyers. Their lawyers withdrew. After a year, Wells Fargo hired another lawyer and claimed that I owed {$43000.00}. I asked for the result of the payoff research th at I requested in  XXXX . It was not until  XXXX  that  WF responded to that request, claiming it has no evidence of payoff. I asked WF why they stopped drafting payments and opted to hire a foreclosure lawyer. WF claimed in a letter that I filed ba nkruptcy in  XXXX  and it forced them to stop drafting payments. I challenged them to produce any evidence of me filing bankruptcy in  XXXX . I told them that the first time I ever filed bankruptcy in my life was in  XXXX  whe n Wells Fargo denied me loan modification on the ground that I had equity in my home and proceeded to foreclose my principal residence. I filed bankruptcy to stop it.    Because of medical issues and  XXXX   XXXX   XXXX  this was causing me, I offered to pay {$6000.00} and be done with this. In  XXXX   WF started again. I threatened to sue and report this to Congress. WF asked me not to and to improve my offer to resolve this. I offered {$10000.00}. More than a month not hearing from WF, I was told that it was referred to its lawyers for foreclosure, $ claiming {$60000.00} on the loan. This is how WF practices vulture capitalism and unmitigated extortion against me and other borrowers.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Comerica (TX)

Comerica Bank on  XXXX   XXXX  in  XXXX  Texas took my Identification and disposed of it without contacting me and when I called to fix problem, they sent me on a wild goose chase for a week. They would not accept my check for deposit after they disposed of identification and would never call me back to take care of issue. This is a very serious matter in which I want resolved. This is the worst experience ever with a financial institution I have ever had. I can not open another account without the identification. I 'm in limbo until then. I 'm beyond upset and feel they should be liable for all fees incurred when attaining a new ID IS as well and any pumitative damages.
Consumer complaint received 2017-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I searched for and purchased an XXXX XXXX XXXX from XXXX He used XXXX dor his business host, and Pay Pal to defraud me. <P/>The price was {$190.00}, and a supposed promotion for the grand opening of his new online store. <P/>I received a confirmation of order and a request to pay. Because the company was in XXXX, I chose to use Pay Pal as they are ALLEGEDLY more secure and you have fraud protection. The seller sent me an email with the email to use for the Pay Pail payment, and I did. <P/>The product was updated to " awaiting shipment, '' but was never shipped. NOW the business page is down, XXXX XXXX has been useless, and Pay Pal even more so. <P/>I have TRIED to file complaints and Disputes, but have had no luck with either. <P/>The seller used two emails. One was XXXX and the other was XXXX His web page was XXXX Neither XXXX nor PayPal will provide me with any more information with which to track down the seller. <P/>The funds came from funds held in my PayPal account. <P/>I have saved all correspondence from the seller.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged  on  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX ,  XXXX , and Equifax on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was discharged and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.