davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FREEDOM FINANCIAL NETWORK (GA)

I sent XXXX XXXX and XXXX a certified letter as well as an FTC letting them know they are reporting errors on my credit file. I have yet to receive a response. All bureaus are breaking the law by reporting erroneous information on my credit file. They are reporting an unknown name on my credit, as well as addresses. This is absolutely unacceptable ; my file has been merged with someone else 's.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

VALIDATION AND CEASE AND DESIST Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (WI)

Chase bank is charging excessive fees in excess of XXXX dollars for a single negative account incident. They have been maximizing fees by reordering transactions and approving transactions to charge fees and then denying them later so they may charge another fee. Fees charged to this extent are unconscionable and entrapping. If I do not get relief from these fees I may be forced to file bankruptcy because it is impossible, on a fixed income, to get out from underneath a bank that is charging me over XXXX dollars for credit at an egregious rate and charging fees for credit they never even extended. I requested that they do not process transactions against my account when it is negative the last time they charged me over XXXX dollars in fees. I do not understand why after litigation with XXXX XXXX and XXXX XXXX XXXX the rules have not been changed and these deceptive contracts of adhesion are allowed to continue. I should not be able to say honestly that borrowing money from a criminal loan-shark would have been a cheaper and less financially dangerous choice than the legal contract I have been bound to, without even having to provide voluntary consent, which according to chase allows for this type of highway robbery.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I own a XXXX XXXX and have a XXXX  checking and savings account with Truist. On XX/XX/XXXX, I completed and delivered a job for a customer and he paid me with a business check for {$1500.00} with XXXX XXXX XXXXXXXX that he has had for many years. I signed on to Truist mobile, endorsed and wrote on the back of the check exactly as stated, and deposited the check into my business checking account. Immediately Truist locked my account and stated there was fraud and my funds would not be available for 10 days. 10 days arrived and the funds are available in the account. As a side note, my customer sent me a screenshot that the funds were taken from his account that night that I made the mobile deposit. The money is sitting in the account but I can not use it because Truist has locked it due to " fraud '' and said it needs to be reviewed by someone but can not say when it will be reviewed or when I will be able to access my money. I asked to close the account and they said they can not do anything at all with the account until someone reviews it and also they can not reach this person or even know who it is. It has been XXXX weeks since I have deposited the check and I have nothing to show for it and Truist is refusing to clear the matter up or even give me any type of time line as to when it would be resolved. All they do is take notes each time I call and say they are " escalating '' the matter.
Consumer complaint received 2016-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A recent storm has severely damaged the roof of our home. We received a check from the insurance company which is XXXX XXXX. The check was made out to my wife, myself and the mortgage company which is Bank of America. The manager of the local branch of B of A told us the check had to be sent to B of A headquarters and they would issue a new check in our name. We needed this money to use as down payment to pay the Roofer to start work. All Roofers here require XXXX % down and balance on the day of completion. This is a one day job. Bank of America has been using every tactic, so as not to give us this money. The roof is seriously leaking and causing more and more damage to our home with every rain storm. My wife called and explained what is happening and pleaded with them to send the money so we can start repairs. They could care less. After 2 months of their nonsense we receive a check for only XXXX % of the total amount. The check was made out to us and the Roofer. We called them and were told that we did not receive the full amount because we were late on last months mortgage payment and this was punishment. When we asked when more money would be released, we were told when the job was finished and not until the Roofer filled out legal paperwork. Again we told them how much damage is occurring and we really need the money to fix it. He told us that 's not the banks problem. We called the Roofer and explained everything that happened. He politely told us that he would not do the work under these conditions, and can not wait for Bank of America to decide when to pay him. All this nonsense over {$5400.00} which is being paid by the insurance company, and not Bank of America. If this roof collapses or water gets into the electrical system and someone gets hurt I am sure things will be different. Someone needs to start protecting the public from the abuses of these banks and their illegal tactics.
Consumer complaint received 2016-11-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

Paypal Credit will not cooperate in regard to payment arrangements/settlement.. 
The payment plans offered prior did not include a settlement as I have stated before, me not accepting them is irrelevant at this point as their reps have lied saying they were not available when calling in or that there is or was a cease and desist on the account when there never was. Collection reps like to lie so they can go home and not take the call if it is before closing time of XXXX. Another rep breathed into the phone, then abruptly hung up right before close time, XXXX. Most if not all points made by Paypal rep are irrelevant/moot as you can see, this also pertains to my current mailing address which they do not need as they will not cooperate in accepting my final offer. There is absolutely no point in providing them my current address as they will not and have not cooperated up to this point. Lastly, the call they made to me attempting to discuss payment arrangements is also a moot point as again, they will not accept settlement with a payment of XXXX a month. If they wont accept it now then more than likely, they would not have accepted at time of call so the mere mention of the call is pointless. They have denied my fraud claim but offer a settlement of XXXX but wont accept XXXX a month, I think this shows their unwillingness to cooperate. It appears they have referred account to some collection agency yet again, I do not have the name of as of yet. Whichever one it is, they will be notified of the fraud on the account as well as my numerous attempts at resolution with no cooperation on end of Paypal. A prior collection agency referred the account back to Paypal, I imagine this XXXX will do the same with all information considered, once provided.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

Re : XXXX I reviewed your response to my initial complaint and found it did not address a few items. Since filing my initial complaint I also received an inaccurate payment history ( which I never requested ). This inaccuracy is confirmed by your response and a letter I received on XX/XX/XXXX. 

My complaint once more. I received notification on XX/XX/XXXX that my loan was paid in full. I had not paid the loan off, so I called into customer service that day at XXXX XXXX because I saw an Adjustment on my account for the amount of {$93.00} bringing it to a XXXX balance. I also had a payment of {$50.00} scheduled to be made that day. The rep attempted to help me however could not see the adjustment on her end. I told her that I had a payment set for that day, and when I asked what would happen if I made the payment, and then later found out my loans had been paid in full ( for whatever reason ) I was told I would receive a refund for ANY overpayment ( I re-iterate this point. The rep did not or could not tell me the loan was written off, and told me any payment I made, if the loan had been brought to zero, would be reimbursed to me ). I then received a letter telling me that because the balance of my loan had been below {$100.00} for 30 days the balance had been written off. Had I known on that day the reason my loan was paid in full and that I would not receive a refund for any payment I made I would have CANCELED the payment.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

Chime reopened my account and put my funds back into my account then they closed my account for the second time without notice and have not given me the remaining amount of money they told me they have no reason to close the account and aren't sure why the account was closed I would like the remaining amount of my money
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XXXX Account : XXXX and USAA Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.
Consumer complaint received 2024-11-02
Product: Credit reporting 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. (FL)

On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my equifax credit report from XXXX buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a XXXX XXXX. On the morning of XX/XX/XXXX, I noticed another hard inquiry from XXXX XXXX XXXX on my equifax report XXXX I called equifax after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last XXXX days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (TX)

We've been trying to use this {$100.00} card. When we tried to use the card, it wouldn't process the transaction. I tried calling the helpline in the back and they told me that the card had already been spent. Upon checking the details, they found that the card was spent in a different state ( XXXX ) from where we received it ( XXXX ). We told them that we didn't spend the amount because we dont live in XXXX  and we weren't in XXXX during the time of that transaction. We also have proof that we were located elsewhere. They asked us to file a dispute to : INCOMM Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We filed it with a case number XXXX. We received an email reply that they did not approve our dispute and no reasons why. We've been trying to reach Customer Service since to understand why our case was denied when we weren't the ones that spent it. We just want a replacement card with our funds on it back and we can not receive any response from them.
Consumer complaint received 2024-09-23
Product: Credit 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: CITIBANK, N.A. (GA)

I have invested a significant amount of time on the phone with my credit card company ( Citi ) disputing fraudulent charges on my card/account. I initially booked a car rental through XXXX for a total amount of {$54.00}. However, the car rental company charged my credit card a security deposit of {$460.00}, which was supposed to be refunded upon the return of the vehicle. After 72 hours, I contacted the rental car company for confirmation and was informed that their policy allows for a refund within 21 days after the vehicle is returned. 

It has now been over XXXX months, and I have yet to receive a refund of {$410.00}. I have made several attempts to contact the merchant to resolve this issue. Additionally, my experience with my credit card company " Citi '' has been frustrating. They have handled this matter with a lack of urgency, proving inconsistent information and, on several occasions, transferring me to the wrong department or disconnecting the call. I have spent countless hours trying to resolve this issue with my credit card bank " Citi '', a company that is expected to protect its customers. This entire experience has been exceedingly distressing.
Consumer complaint received 2016-05-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Delbert Services (ME)

Western sky, Delbert, and XXXX, called my sons cell nand threatened to take me to court if I did n't call them back. I immediately called back n spoke with a guy named XXXX XXXX. He was so rude and threatening. They lied about calling my son and I asked him for their license info and address and what XXXX stood for. He was screaming at me and said it stands for nothing. I told him that if he would send a validation letter thru the mail, I would see what it was about. He said one had been sent. He would n't give me a license number just kept saying we are suing you. The address he had was not mine, I explained that and he proceeded to insult and degrade me. I told him that my son was XXXX and to give me the info I requested. He hung up on me so I called back and he kept degrading me n hung up again. I called back and a woman answered and she hung up on me.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/year>, I was attempting to purchase XXXX XXXX XXXX football tickets from the XXXX XXXX  " XXXX XXXX XXXX. '' I was instructed to pay {$500.00} via XXXX XXXX. XXXX XXXX did not work, and then I was then instructed to send the {$500.00} via Venmo to " XXXX XXXX '' ( XXXX  XXXX ). I sent the {$500.00} using Venmo tied to my XXXX XXXX  checking account. I found multiple accounts linked to whom I was sending the money which made me believe I was being scammed. I then immediately contacted Venmo to alert them to the fraud and provided over 20 Venmo accounts related to the fraud, including potential perpetrators, before the money was moved to other accounts. Venmo did not react with any sense of urgency. I then reached out to XXXX XXXX and had the transfer from the bank to Venmo stopped. Venmo then suspended my account for non-payment. 

Venmo instructed me to file a police report with my local police department to present to Venmo to dispute the charges. Law enforcement chose not to investigate. 

I have repeatedly reached out to Venmo to restore my account due to fraud. Venmo has yet to restore my account.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld Systems Inc. is demanding payment of a debt that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The debtor is listed as XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last year TSI attempted to collect on a medical debt for this same individual. I am not the person responsible for this debt and this debt does not appear on any of my three-bureau credit reports.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC (NJ)

I received a letter from XXXX XXXX courts about a debt owed to Jefferson Capital Systems for XXXX. I have no knowledge o this debt, I also didnt receive a debt validation letter, or purchase agreement from creditor to collection agency. See attached document XXXX sending of letter from courts.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have XXXX credit cards with Capital One. 
I have always been given a credit line increase every six months for the past 4 years or so. 
This month I should have been given a credit line increase on XXXX of my cards. 
They denied me of any increase. They were extremely vague about the reason, they only said that you have to make a higher payment. No one in their office can justify this at all. 
And they said that I can not talk to anyone in that department that authorizes credit line increases. They have no idea how much of a payment that I should make. They have never done this before to me, ever. I want a credit line increase now. They should not be allowed to treat customers so unfairly, and have no contact for us to speak to.
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

XX/XX/XXXX, I went on a 1 week vacation in Florida. During my visit I was informed about joining a timeshare at XXXX XXXX XXXX ( XXXX XXXX XXXX ), in return they guarantee it will not affect my credit. When I returned back home from my travel, I spoke to an accountant who enlightened me that by joining, it will have some affect on my credit. Immediately I called the resort and requested that they cancel my contract. I emailed, call and sent a mail. In an uncanny way the employee at the resort told me I cant cancel the contract, without no hesitation I called my bank ( wellsfargo ) and explained the situation. They told me they would put a stop to it, but assure you that was n't the case. I recently founded out that the same resort had taken XXXX from me in the past two months, where I had to get aggressive on their deliberate act. My banker refunded my money, and told me to contact " consumer affairs '' to help deal with the unnecessary complication.