davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CO)

On   XXXX   XXXX   , 2017, a bu yer purchased a used  Zip Drive from  me for {$20.00} on   XXXX   and sent their payment through  PayPal. This also included the shipping cost. Afterwards, PayPal took a fee of {$.00} from the purchase which left me with a pending balance of {$19.00}. T his led me to having to pay for the shipping cost of {$6.00} on   XX/XX/XXXX  , and not the buyer, an d PayPal said that I would get the money for shipping from the pending balance after the item shipped. Well, now the drive has been delivered, and I still have n't gotten any of the money from the pending balance.    This leads me to my next point. After I purchased the shipping label, I asked them when I 'd get the money, and they basically said within 15 calender days. I received this message on   XX/XX/XXXX .    Finally, the item was delivered, and I still have yet to see any of my money. Apparently you can only get your funds 21 days after the sale, 3 days after the item has been marked as delivered, or after the buyer has left a positive review for the item.   Well, none of these have happened yet, and I would like my money.   PayPal is treating it like it is theirs when it is not, and I 'm pretty sure it 's illegal for them to hold people 's funds. Also, if they stated this somewhere in the fine print, then it must be pretty obscure because I never saw anything saying they would hold my funds.
( In my images, I crossed out the   buyer 's info, but I can provide original screenshots if neede
d. )
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

I have Professional Debt Mediation reporting to the credit bureaus That I owe a debt from a rental property company ( XXXX XXXX XXXX ) I have never heard of or lived at. I tried disputing the account with all three credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NE)

On XX/XX/year> - I signed up for an Apple Card through a promotional offer that was advertised on XXXX. The promotional offer was earn {$100.00} Bonus Daily Cash when you spend {$500.00} or more within your first 60 days of account opening I clicked the ad on XXXX and was directed to a promotional landing page on XXXX with the same terms. I followed the instructions and clicked the apply now button. I was approved for the card and immediately met the spend requirement on XX/XX/XXXX when I spent {$570.00} at XXXX 

I have included screenshots of the XXXX ad and apples website at the time I signed up. Ive also included my XXXX statement which shows I met the XXXX XXXX spend requirement. As further proof - here is an archive of the offer page on XXXX at the time I signed up - XXXX XXXX XXXX  Per the terms of the promotion, I should have received {$100.00} of Bonus Daily Cash. To date, I have not received the {$100.00} bonus cash. I reached out to Apple/Goldman Sachs on XX/XX/XXXX and provided all of this information to them. 

Their response was to ask for Proof of Spend {$500.00} to Get {$100.00} XXXX XXXX promo communication email. As stated in my first message to Apple/Goldman Sachs , this promotional offer was not e-mailed to me. It was advertised to me on XXXX and a public landing page on XXXX. They are not honoring the terms of their offer.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (TX)

Security credit services is a debt buyer who purchased an account from XXXX XXXX where we purchased furniture. 
XXXX XXXX XXXX XXXX out of XXXX Texas picked up this account and notified us of a potential lawsuit if we did not resolve the account. We have come to an agreement and settled the account with an active payment arrangement. Security credit services is now trying to come after us for the same debt. A process server arrived at our home today trying to deliver court documents on a debt that is already being handled by the law firm. You can not have two agencies or law firms collecting on the same debt. 
I have seen numerous XXXX XXXX XXXX complaints against XXXX XXXX XXXX and they need to remove the account that they purchased the debt from XXXXXXXX XXXX as it is already resolved. Please contact the law firm that is currently handling this account to verify our claims. Their website is : XXXX XXXX XXXX XXXX credit services LLC should be shut down and reported. They need to remove any derogatory remarks on my credit immediately.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

To whom it may concern, I am writing this to file a complaint against XXXX. 

On XX/XX/scrub>/24, my cash spending account, in which my paycheck from my full-time job is deposited, was restricted for no reason. I am unable to make purchases with my cash spending debit card, initiate wire transfers, and anything that involves funds coming out of the account. 
I contacted XXXX multiple times via chat, telephone, and email on XXXX/XXXX/24 and XX/XX/scrub>/24. I let XXXX know that it was critical that I have access to my funds so that I could pay bills and get gas to get to work. Additionally, I have a XXXX in which an emergency could arise at any time, and I do not have access to my funds, which is very scary. Their response was very generic and told me I would have to wait XXXX business days or longer to receive a resolution for a specialty team. I ABSOLUTELY CAN NOT wait XXXX  days to have access to my own money. 

With that being said, XXXX took no action to unrestrict my account and could not explain their reasoning for restricting my account. I have verified that there were no unusual transactions in my account and answered all questions to verify my identity. I have done everything reasonably possible to comply with all requests to get my account unrestricted. 

It is unfair and unethical that XXXX has restricted my ability to access the funds I work hard for every day to obtain. This is unacceptable. XXXX has put me in a very vulnerable and dangerous financial situation. I have had my XXXX account for years and nothing like this has ever happened. With that being said, I will definitely being changing my direct deposit to another financial institution.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I rented a property from  XXXX   XXXX  in  XXXX   XXXX . I left in  XXXX   XXXX  and paid the required early termination about to leave. I received a bill in  XXXX  for an addition {$240.00} for cleaning. I paid a professional service to clean the property prior to moving out so I wanted to dispute the amount. I called the number on the invoice several times and received no response. I finally looked at the website for managers email and send an email. They responded withi n 24 hou rs. I was advised to go onto a link that they sent me and record my dispute, which I did. I never heard back until today when I received a call from a collections ag ency National Credit Systems  that my bill went up to {$600.00} due to electric bills not paid from  XXXX  and  XXXX  of  XXXX . I advised the agent I moved out of the home  XXXX   XXXX  and my bills are paid current. I ended up paying the bill because they threated to put it on my credit report and I cant afford to jeopardize  my credit score.  They said because I had questions about the bill they would mark it as disputed and report it to my credit anyway. I asked to speak to a supervisor and they said none were available. I felt like I had no choice and paid the full balance that included an extra for an electric bill from  XXXX  that I have no idea about. They also called my HR department at my job. I have never ignored a call from my property management company and all my number are valid and working.  XXXX  has  XXXX  numbers to reach  me ( pers onal cell, work cell and work desk phone ). The collections agency said they had no other number so they called the HR department at my job to give me message. That is ridiculous and wrong. I am completely disappointed with the treatment of both companies (  XXXX  and  National Credit Systems ). I paid every bill with th em on time and most of the time early. I should not have been treated this way. Now I am out {$600.00} because I was bullied by the agent telling me she would report it to my credit today if I did not pay. The agent I spoke to said that it was going to be in my credit report regardless if I paid or not since I was disputing the amount. She then refused to take my money or give me a supervisor. She transferred me to another agent. I asked that agent if I paid today will it still report to my credit, she said it would not, so I paid the amount. I asked her for a supervisor and she said she was  XXXX . I told her that the agent before her said she was another agent, I repeated my question are you a supervisor she said yes I am an ac count manager. I asked for a manager again. She  they do n't have managers, I said so you do n't have a boss and there are no supervisor??? She said, ohh yes we have those, but they are not available.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc. (WI)

Hello, I have a {$62.00} account from  XXXX  for a final bill currently in collections with Stellar Recovery. I was about 1 month late for paying the bill to  XXXX  and  XXXX  apparently put my account in collections. I was not aware of this, but began making smaller payments to  XXXX  for 2 months in a row once I was able to. The day I found out about my collection via  XXXX   XXXX , I contacted the collection agency. I wanted to do a pay for delete, as I was never notified of my account going into collections. The collection agency said they give a grace period after sending out notification of collections before reporting, therefore, they do n't do pay for delete. However, I am very frustrated with this, because I NEVER received ANY notification either from the original company, or the collection agency that I had an account in collections. I was continuing to pay  XXXX  and was never notified about the account going into collections. I would like to pay the debt, but want it deleted, as I was n't every notified, despite making payments. I have contacted the collection agency twice about this, but they have stated they will not delete the collection in exchange for my payment.     Thank you for your time.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-26
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XXXXXXXX XXXX XXXX  on XX/XX/year>. Received letter from the reverse mortgage company XXXX XXXX XXXX XXXXXXXX XXXX ) to the house on XX/XX/XXXX, stating that we needed to provide evidence that the house was up for sale by XXXX to avoid XXXX. Received an automated messaging in XXXX that the house was in XXXX. Complained to the company on XX/XX/XXXX about the discrepancy. Found XXXX  attorney fees added to the loan balance posted on the account XX/XX/XXXX for a total of {$2100.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

I was notified by phone call from FAIR COLLECTIONS AND OUT XX/XX/year> that I owed a collection for {$7300.00} for a rental lease on a home I never rented or lived in
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (SC)

I was the victim of identity theft.reported to FTC, federal trade commission, IRS, law enforcement from XXXX had XXXX disputes the first day.and still fighting to this day.my credit ruined.the main issue besides everything else is i had a mortgage for 15 years and never late on a payment.i XXXX my mortgage that was repeatedly sold and never heard back from anyone which is vital now that im on XXXX also had numerous loans thru XXXX XXXX of about {$38000.00} that all loans were paid off early.my social security was comprised and i average having to acquire XXXX to XXXX new bank cards a year which is a hassle when my bills come out the beginning of each month
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a debt validation letter to Midland Credit Management requesting multiple legal docs for an alleged debt and was never provided with documents. I am requesting this random debt that does not belong to me be removed from my credit report. 

I requested that they provide the following information and documentation : Proof of Debt Ownership : Please provide a copy of the original contract or agreement that establishes the validity of the debt. This should include my signature, as well as the terms and conditions agreed upon at the time the debt was incurred. 
Detailed Account History : Provide a complete and detailed account history showing the original balance, any payments made, adjustments, and the current amount claimed. This should include itemized statements for each billing period.

Verification of Original Creditor : Provide the name and address of the original creditor and the account number they used for this debt. Please also include proof that you have been authorized to collect this debt on behalf of the original creditor.

Proof of Collection Authorization : If you are acting as a third-party collector, provide proof that you have been legally authorized to collect this debt. This could include a copy of the assignment or a notice of assignment from the original creditor.

Debt Verification Statement : Provide a written statement verifying that the debt is accurate, including the amount owed and the dates of any significant transactions related to this debt.

Legal Compliance Information : Provide details regarding your compliance with state and federal debt collection laws, including licensing information, if applicable.

Cease Collection Activities : Until this debt is properly validated, please cease all collection activities, including reporting this debt to credit bureaus, as required under the FDCPA.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (AL)

This is my second time reporting an account that was a result of identity theft. The debt collector continues to report this account after being told that it is a result of identity theft. I have files a police report regarding this matter as well. I AM EXTREMELY UPSET DUE TO IDENTITY THEFT, I have been a victim since 2020 and would like to now explore legal recourse in this matter this company national credit system has an account opened XX/XX/XXXX of XXXX that continues to report as a derogatory account on my credit report I am asking that this account be removed quickly by this creditor. I would like to also file a complaint as of this is my second time filing a report as a part of the escalation process, I am being forced to file this once again to try and find a resolve before escalating to the Attorney General 's office. I would like to fully document that this is identity theft an account that is not authorized by me and I would like for this account to be removed immediately.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I noticed these items in my credit report and they are unauthorized accounts thats needs to be removed immediately
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I noticed these items in my credit report and they are unauthorized accounts thats needs to be removed immediately
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

LVNV Funding LLC {$740.00} was sent a letter on XX/XX/year> and XX/XX/year> requesting debt validation with their company stating that a contract was never signed with this debt collector for any debt. Please provide proof, they have not sent anything showing proof from the original creditor.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (OK)

I had refinanced my vehicle with navy federal bank but I was on training in the XXXX when navy federal mailed me the check, the check was delivered to my home address and I believe my ex wife took the check and cashed it in my business account and spent the money without having any idea about this.I called navy federal to dispute this transactions and cancel the cheque but navy federal still held me responsible knowing the fact that I did not cash or us this cheque which was meant to refinance my vehicle
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (NY)

I used LendingPoint to obtain a loan for {$15000.00} to pay for the cosmetic dentistry work. 
The loan terms were interest free for 2 years and the loan was initiated in XXXX. 
I made a few payments manually and then set up automated payments monthly, but unfortunately, I failed to set them up correctly and the automated payments were not made. After some time ( around XX/XX/year> ) I realized that I didn't have the payments reflected in my monthly account statements and I called LendingPoint asking whether they received any payment. The confirmed that the payments were not received. 
Meanwhile, I didn't receive a single email, letter, or phone call from the company notifying me of defaulting on the loan. 
When I tried to reenroll in the automated payments, the LendingPoint representative stated the loan had been sold tot he third party. It took another couple of months and weekly back and forth with the company to understand what happened as they initiated an internal investigation. Eventually, they confirmed that there was a mistake and my profile was marked as 'DO NOT CONTACT ' hence no communication received. I asked to reinstate the loan and automated bigger payments and they denied the request. It took them 2 months to give me the third party name ( XXXX  ), however, they still didn't provide me with the contact number. LendingPoint negligence and carelessness resulted in the severe damage to my credit history. In addition, they still haven't disclosed the new terms of the loan they sold to XXXX.