davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pressler & Pressler, LLP (NJ)

Being sued by Pressler and Pressler LLP for balance owed on my hospital bill. I do not speak XXXX and at the time of my XXXX i was told that my out of pocket balance was {$1200.00} which i paid as my daughter was there with me and she translated for me. I received a notice of being sued and called with my daughter and was willing to pay the balance but now they added over {$500.00} for their fees. The doctors office " XXXX XXXX XXXX XXXX '' knew i did n't speak or read XXXX and told them to contact my daughter. They never contacted her but send me over to an agency that is suing me now. I am willing to pay what is owe for the procedure but not the additional charges. XXXX XXXX XXXX said my out of pocket balance was only {$1200.00} and not the additional {$1600.00}. Also, XXXX surgical should have called my daughter to get this resolved instead of sending it to Pressler and Pressler LLP so they could add additional {$500.00} plus.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have been trying for 2 Months to catch up my PayPal credit account - THEY WILL NOT LET ME LOG IN AND SIMPLY PAY ONLINE I have called everyday for the last 3 weeks and I keep getting stuck in a roundabout about I need to call this other # and it just dumps me after I enter my info
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MA)

We requested the cancellation of the XXXX XXXX  in XX/XX/2018 as we moved to another address that the company could no longer provide us with its service because there would be no coverage at the location and as they guided us we returned the equipment at XXXX and at the time the attendant said that we would not need proof as they would automatically download the system. after 1 month of our move the XXXX   sent us the last charge for a month that was not even used since we had made the cancellation request and they did not do it, but to avoid fighting we accepted to make the payment and did not make any complaints. After 2 months again after making the payment this time the XXXX  sends us a new charge, but this time it would be for the equipment that was returned by us since the beginning of the service cancellation request at XXXX and thus started our fight with this company that we thought they were suitable until now because we stayed for 2 years as their customers. And even after explaining over and over again that we had returned the equipment, they still insisted on charging us for something that we returned until now that month we had the unexpected news that this company put us in collection for something we shouldn't and that was returned and that if there was an error it was not on our part and in addition we tried to contact XXXX and they informed us that they no longer have the information because the XXXX removed us from the customer system.
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

Regarding claim # XXXX card was stolen, theft was reported in 48 hours, bank security measures failed to stop thieves from draining account or block card. Bank has received a signed affidavit I did not authorize the charges. Bank has received a police report. Despite clear law these are not legally required they were provided when requested and bank is using every measure possible to avoid obligations under federal law. If bank is behaving this way, they are doing the same thing to thousands of people and simply retaining the funds and assuming people do n't know the law or will simply grow tired of trying and give up. The bank is not the police. The bank is not allowed by law to police themselves and decide unilaterally whether a theft occurred or not. Instead of blaming customers, bank should augment its internal security measures on debit cards. I work hard for my money and I 'm not going to allow the bank to play games and waste my time when the law is clear. Bank has been reported to the XXXX and the OCC of the US Department of the Treasury. Also the continued responses on here that fail to answer why according to law the bank is retaining the funds are creating a pattern of evidence of clear illegal behavior. If institution can not employ adequate security measures on these cards, it 's their failing, not the customer 's.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I have sent letters 5 times showing that information should be deleted from my file and they still have not removed the information. they are refusing to help me. below are the companies that should be removed, I have attached the letters I received from the companies for these items to be deleted. 
1. XXXX XXXX. XXXX
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ProCollect, Inc. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2020-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I scheduled a transfer on XX/XX/2020 of {$50.00}. The scheduled payment will not arrive until XX/XX/2020. However, this is against the bank 's policy. Transfers typically take 12 business days to transfer. However, it schedules to be deposited into an external bank account until 4 business days. Due to the pandemic, banks are required to handle transfers and banking fees as fairly as possible. I shouldn't be charged withdrawal fees due to this epidemic and should be receiving the funds ASAP. I need to pay bills and purchase necessities, especially since I am unable to work. 

I tried to speak with a specialist about this matter, but the specialist disconnected the call and failed to call me back.
Consumer complaint received 2020-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (AZ)

My insurance cost has now gone up do to US Bank filing an insurance claim against my insurance on XX/XX/XXXX. The bank gave a fictitious date of damage as XX/XX/XXXX in XXXX, AZ to the insurance company. That never happened and since I own the vehicle and have the vehicle in my possession, this is a fraudulent claim. The insurance company said that lean holders have the right to do this and if the insured does not fight it, the insurance has to pay it. Again, this is a fraudulent claim.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to transunion XXXX and XXXX and requested that they take it off. XXXX XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now
Consumer complaint received 2020-05-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-05-24
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. (FL)

Problem with Equifax for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) XXXX XXXX  original creditor XXXX XXXX 2 ) XXXX XXXX original creditor XXXX XXXX 3 ) XXXX XXXX original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

My complain is about my account been blocked. 
I am facing challenges with my bitcoin wallet. 
I accidentally sent bitcoin to a wrong address. 
The company this complain is about coin base. 
The us coinbase are the people involved.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I have complained concerning how I use my credit card and my score drops 55 points. I feel there is no transparency in how equifax, XXXX  or XXXX  conduct there business. It is discriminatory, abusive and should be illegal. They raise scores incremintly and very slowly over time and then penalize consumers for using credit.
Consumer complaint received 2020-08-28
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: CITIBANK, N.A. (TX)

I have a loan with XXXX XXXX, BESTBUY/CBNA, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, BESTBUY/CBNA, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-04-09
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. (TX)

Equifax ; XXXX and XXXX  are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.
Consumer complaint received 2020-05-24
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. (NE)

They are reporting a collection account in the amount of {$220.00} with XXXX XXXX. I have advised them that this is not my account several times. I have disputed this collection account several times with the credit bureau. They are still reporting this inaccurate information on my credit report. The other credit bureaus have updated my credit report and are no longer reporting this information.
Consumer complaint received 2016-05-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX, I signed a {$2500.00} promissory note with XXXX. The original docs were altered after I signed. I filled a fraud compliant with XXXX. They agreed and waived the balance of the loan. In XX/XX/XXXX, Resurgent bought the loan and I refilled the fraud complaint and Resurgent agreed and waived the loan. I have not received any bill since XX/XX/XXXX. In XXXX XXXX ( last week ) I received a Mortgage statement for {$8500.00} from Shellpoint MTG. Confused, I called Shellpoint. XXXX, in the Shellpoint XXXX office indicated they purchased the " mortgage '' from Resurgent. The 10-year-old, {$2500.00} promissory personal loan magically converted into a mortgage attached to my primary residence. XXXX confirmed the loan was indeed a mortgage on my home and was in the XXXX lien position. Shellpoint is threating me with foreclosure and placing it on my credit. Statue of limitation on promissory notes is only 4 years. I shredded all my old XXXX doc 's long ago. I have called 3 times and sent in 3 requests for lien documents and strangely they ca n't find any.
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Choice Recovery, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left  unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2016-09-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC (CA)

This is my XXXX complaint with this debt collector that bought old debt 2011. I had a wage garnishment and due to the collector not serving me properly. I was given back every penny and the levy was then closed. This collector keeps trying to get the venue transferred to a court to re serve me. The court that the collector is submitting it to gets taken off calendar then gets denied. I am like how much longer can this go on. I am a single mom with a daughter in school, trying to put a roof over her head and with this open collection no one will lease me home, we are now homeless. I have tried to contact the credit card company to make arrangements to pay the debt and only get told Mam? this account has been charged off.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I used to use PayPal as a way to pay faster and with less effort. I was caught off guard when a transaction failed leading me to find out my account was permanently limited, and that I am now unable to use any of PayPals services. I have contacted PayPal through their phone number and talked with a representative who told me that there was nothing he could do nor his superiors. The representative also stated that he was unable to see what caused the permanent limitation. I have read through PayPals terms of service and have yet to see where I committed a fault. What is worse is that there is no way for me to resolve this nor of even knowing what I did wrong. As a result, I can not provide the precise transactions that led to my account being banned, but I can provide the last four transactions which may be the reason. XX/XX/2021, transaction of {$26.00} NZD was sent to XXXX XXXX but was refunded the same day due to a mistake in the sending. XX/XX/2021, the amount of {$29.00} NZD was sent to XXXX XXXX. XX/XX/2021, {$46.00} USD was sent to XXXX XXXX XX/XX/2021, {$46.00} USD was sent to XXXX XXXX again as a mistake which I disputed to PayPal and lost. All the transactions before these were to websites and not real people. That is why I assume that one of the mentioned transactions is the reason for why I can not use my mobile wallet.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AZ)

My problem is with my Barclay 's Mastercard online account. I've not been able to get to that account online for a month. I have spoken with their people ( in the XXXX ) 4 times and been told it would be fixed in 3 days, then a few weeks and then in about 30 days. There's nothing wrong with my account. I'm nowhere near the limit, I always pay more than the minimum on time. They have told me the account is fine - I just can't access it online. That means I can not pay the card on line and I can not check my account ( something I do daily ) for charges and credits. Barclays, or the company handling their website service, is totally unhelpful and I fear I'll never again have access to my account online. This problem began shortly after Barclays sent out millions of emails to cardholders that their credit card balances were near their limit. This was not true and we then received another email noting the " mistake '' made. When I mentioned to one of their employees that I felt they'd been " hacked '', he very forcefully and defensively insisted that they weren't hacked, but had made a mistake. Access to my account onilne is absolutely necessary for me. Please help to get Barclays to  address this problem and to correct it.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my XXXX with all the credit bureaus. My score ranges from 613-630 but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to XXXX XXXX when determining me for a car loan. Getting a pre approval is kind of misleading as XXXX XXXX invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.