davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OH)

I received a paper check from my previous employer ( XXXX XXXX XXXX XXXX )  via mail. I remote deposit it into my account on XX/XX/19. I call the next day ( XX/XX/19 ) to find out why it hasn't posted and when it should. I was advised that it will post the next day. I wake up on XX/XX/19 and see that there is an email from Chase Bank stating there is a hold on my funds until XX/XX/19. When I call to find out why there is a hold on my funds, I'm told because it's not how unusually receive funds into my account and they have to make sure that it will post ... when I go into my account online it shows that it was posted XX/XX/19. They are with holding money that I made and that I worked for. When I asked if it could get cancelled so that I can take it elsewhere to cash they then explain that they would charge me XXXX and I wouldn't receive it back until after XX/XX/19. I have bills that need to be paid and there is no reason why the money I worked for is not being released to me.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Our previous rental management company, XXXX, has hired a collection agency to try to extract {$920.00} from us for alleged damages to two apartments where we were tenants. 
These charges are erroneous and have been grossly inflated. The complainants allege that we ruined a carpet, gouged large picture hook holes in the walls, and abused the kitchen cabinets to the point where they had to be repainted. They also claim that we owe them for several small fees that we previously had paid. 
The complainants have already reported us to credit report companies. Also, the dates of these alleged damages are very old and were brought to our attention long after we had moved out. We vacated the first apartment on XX/XX/XXXX, and the second apartment on XX/XX/XXXX. 
In addition, my wifes car was stolen from their parking lot, which was unsecured as a result of a non-functioning security gate at the entrance. 
We are honest, upstanding people who would freely pay the disputed amount if we thought their complaints were valid, but it is against our nature to not at least try to right a wrong. 
Thank you in advance for any assistance in this matter. 
Move out date from complex, XX/XX/XXXX. First notice of collection, XX/XX/XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

On XX/XX/XXXX, I went to a Conns store in XXXX to purchase bedroom furniture and a mattress during the aftermath of Hurricane Harvey. After the purchase was made through a store credit, I asked the sales person would I be making once a month payments to my account. The sales person reassured me that it would be just one payment.  Every other week, money was being drafted from my bank account in addition to me paying Conns once a month. This activity was going on for two months and I did not receive email confirmation nor a letter by mail. I contacted the Conns store and no one could answer how and why this was occurring. I finally learned that two loans where taken out : one to  cover the mattress and the other to cover the dressers, night stand, and bed frame. I didnt agree to this nor was this stated to me at the Conns store. My bed furniture breaks and was not of good quality. XX/XX/XXXX, I fell into hard times and I was unable to pay the loan for the bedroom furniture. I fell on payments due to being XXXX XXXX XXXX   and I have been on bed rest. In XX/XX/XXXX, I stated this to the customer service representative and they insisted on taking money out my bank account. On yesterday, I explained to them I am not working and I am on bed rest due to the XXXX XXXX XXXX. I explained to the person about the phone call in XX/XX/XXXX and I requested to speak to a manager. The representative said she was a manager and called her manager for an extension approval for me. Then, the person demanded I pay {$200.00} after I told her I was not able to. I keep receiving several phone calls, text messages, and emails everyday. I keep receiving threats about collections and multiple negative reports to the credit bureau. I feel my concerns were not taken into serious consideration and I will be in the hospital soon. This situation is stressful.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NH)

I purchased XXXX XXXX cards in the amount of XXXX.This took place from XX/XX/XXXX to XX/XX/XXXX.I contacted my credit card company to dispute these charges and was told there was nothing they could do.I did this for XXXX XXXX XXXX, phone number XXXX.XXXX promised to pay off my credit card balance, which he started to do but the funds were no good.There were no funds to back the scheduled payment, therefore it left a gap in time and led me to believe the funds were good.Why would Chase not back me up with this type of fraud.The funds never became available.I have been a victim of a very deceitful scam and my bank has abandoned me.
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HARRIS, KLEIN ASSOCIATIES, INC. (AL)

On XX/XX/18 I began reaching out to XXXX XXXX XXXX via phone and email regarding a debt that a debt collection agency, Harris, Klein Associates, Inc. called me and stated that I owe. I asked the representative from the collections agency, XXXX at the time for a direct contact at XXXX XXXX XXXX so that I could understand the validity of this debt and to also let the collection agency know that I was never notified via email or mail about this debt until the collections agency reached out to me. At this point the collections agency is threatening to add this debt to my credit report with no regard to the fact that I was never notified by the original creditor. In addition, the debt collection rep ( XXXX XXXX ) stated the mail was returned to both her office and the office of XXXX XXXX XXXX which means I never had a chance to take care of the original debt before being charged an additional {$90.00} collection fee. This is extremely unprofessional and speaks to the integrity of XXXX XXXX XXXX, if mail is returned to an office that is the number one indication that the individual did not receive it. XXXX XXXX XXXX has not returned my calls or emails, which I still have copies of - I have tried to remit payment but I will not pay an additional collection fee that was unjustly charged to me.
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (CA)

I sent Receivables Management Corporation by usps CERTIFED mail ( attached ) on XXXX and it was delivered in XXXX t them. In my letter I specificly stated that I did not wish to be contacted by phone and to communicate in writing only. Yesterday, XXXX I got a call at XXXX from a Pre-Recorded Voice maessage from Recievables Management. I don't understand why they would still call me after I asked them not to. I have spent countless hours now trying to correct their mistakes and I don't know why it's taking this long and it's causing me a lot of stress and anxiety.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I have requested multiple times once in XXXX, XXXX and XXXX for them to correct the 30 day late, reporting on my credit report and they have not yet done it. When we called yesterday to ask them about it I was told by XXXX that they did not have a record of the wire with the final disbursement for the loan which shows the wire was done on XX/XX/18.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I am a XXXX  citizen and at times difficult to get help with your customer service agents. I have been loyally paying my monthly payments. On XX/XX/XXXX I had to put a deposit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefor i accrued an additional charges ( XXXX ) that were charged separate, and because of that i will not get the full promotion time to make payments without interest. 

Also I was charged XXXX which is outrageous i am assuming a promotion expired. I am going through some hardship and fell this is abuse considering i am paying. 

My payments should be applied to those promotions that are about to expire and it is not being done that way. I feel I should be credited those fees as payment are wrongly being processed and being applied correctly.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IN)

Last Wednesday the XXXX of XXXX, I submitted a request for a refund on my student loans so that the balance can be reinstated before the XXXX administration begins the rollout process of forgiving loans. I was told the refund may take up to 150 days. However, I'm more concerned about the loans original balance being reinstated. I didn't receive any sort of email confirmation or anything.
Consumer complaint received 2022-09-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

in accordance with the fair credit reporting act XXXX XXXX and portfolio recovery 's violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

I have been trying for over 5 weeks to work with XXXX XXXX to transfer my health savings account balance from XXXX XXXX XXXX to XXXX XXXX XXXX accounts. I have called them multiple times and have been given incorrect information how to transfer my funds. 2 reps told me I could do it by calling and they inform me it will take affect within 24 to 48 hours. However when check my balances it is still not done. I call back and they tell me the transfer did not go through due to errors on their end. Other reps tell me I have to complete and mail back forms which I have also done. Then when I call I am told they have no record of me sending forms. I need your help in resolving this issue and I have run out of options dealing with XXXX XXXX for a simple funds transfer request.

I do not have access to my funds which I need for medical treatment for over 5 weeks!
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In accordance with the Fair Credit Reporting Act Transunion Creditor : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (IL)

XXXX  did a criminal background check on me and they took longer than expected to complete. Once I did get the information presented to me they reported fraudulently a felony criminal charge that was not accurate. I was told by the representative " XXXX '' I believe when I called in that Nevada was reporting the charge as a felony.I did immediately ask to speak to the compliance department and was transferred to a voiceless voicemail. I left a message. When I called to Nevada to verify what the issue was the clerks office did report that the company was inaccurate and the the only charge being reported publicly should have been a XXXX XXXX XXXX aka XXXX   XXXX. I left the contact number when I called a second time to the compliance voicemail for XXXX  which was for a supervisor by the name of XXXX or XXXX at XXXX for the XXXX XXXX justice court criminal division. This has caused me not only a further delay in my potential employment but the inaccuracy can now completely revoke my eligibility for employment.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

When I opened my checking account with U.S. Bank, I never opted in for automatic overdraft protection. In reviewing old U.S. Bank statements, I learned that the fees in excess  of $ 200+  dollars originated from an unauthorized debit transaction that U.S. Bank  decided to pay, which caused my account to be overdrawn by  less tha n one d ollar ( {$1.00}   XXXX   ) ; I believe the exact amount was {$0.00} (   XXXX   XXXX   ).     U.S. Bank has charged numerous fees all as a result of this transaction. They charged overdraft fees, negative balance fees, and interest, I believe, was another fee that was posted to my account.     They 've since sold this debt at least twice now, and when I received the collection notice from each of the d ebt collectors to  whom U.S. Bank sold this account, I asserted my right under the Fair Debt Collection Practices Act to demand validation of the debt. As a result, b oth debt collectors returne d the debt back to U.S. Bank.     On  XXXX   XXXX ,    2017, I re ceived a correspondence from U.S. Bank in which they erroneously claimed that I sent a cease and desist letter to their debt collector, when, in fact, I demanded validation of the debt.     So far, I have had to spend approximately {$15.00} sending certified letters to U.S. Bank and their debt  collectors. I b elieve U.S. Bank will continue to try to collect on this invalid debt, continue to damage my credit, and they will never admit fault in this matter. This is why I have escalated this matter to the CFPB.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Made a payment on XX/XX/2022 for {$1400.00} ( statement balance ) on the mobile app, they took the money twice on the same day. After I check my bank account, I called them they wanted me to keep in account as a credit XXXX or it will take 10 working days to get it back into my account. Called twice with over 45 mns hold time each time and got two different answers when I will get my money back. 
Each time I had to give them the routing number and the account number.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (GA)

My name is XXXX XXXX and I am being prohibited from disputing duplicate charges on my Paypal account. I have called in to the dispute department and Paypal consistently remarks that they are unable to verify my account after freezing my account for 24 hours and unfreezing it after I was asked to provide my passport, my social security card, and proof of my utility bill with my US address on it. I completed all these steps and have not since been able to dispute the duplicate charges on my account. Everytime I call in I am told I cant be verified after giving Paypal all my private documents. 

This is extremely frustrating as I have given Paypal extremely confidential information pertaining to my identity and the dispute department continue to treat me in a discriminatory manner and prohibiting my rights which I am entitled to under your terms of use policy which is the right to call in and dispute charges that I deemed are inaccurate. 

I need help with getting whatever block on my account removed in the dispute department so I can talk to someone about handling these matters as I have already reached out to the merchant to no avail. Paypal can not continue to tell me my account can not be verified when I call in to the dispute department when they have hold of all my confidential personal documents on file and I have the email to prove such submission and for goodness sake its these very same documents they used to unfreeze my account which is making no sense. 

I need a phone call from Paypal at XXXX as soon as possible to get this matter resolved. 

PAYPAL CAN NOT KEEP DISCRIMINATING AGAINST MY ACCOUNT JUST BECAUSE IM TRAVELING I INFORMED PAYPAL BEFORE I STARTED TRAVELLING ABOUT MY TRAVELS AND THEY CAN NOT KEEP DISCRIMINATING AGINST ME BECAUSE I WILL NOT ADOPT YOUR ACCOUNT CRITERION WHICH I HAVE THE RIGHT TO CHOOSE OTHERWISE. 

I HAVE THE RIGHT TO DISPUTE ANY TRANSACTION ON MY ACCOUNT AND PAYPAL DISPUTE DEPARTMENT IS NOT MAKING THIS POSSIBLE FOR ME TO DO AND PROHIBITING MY RIGHTS TO DO SUCH BY PRETENDING THEY CAN NOT VERIFY MY ACCOUNT THAT I HAVE SUBMITTED ALL MY CONFIDENTIALS TO AND PAYPAL NOW HAVE ON FILE. 

THIS MAKES MY 9TH EMAIL TO PAYPAL I HAVE WENT ALL THE WAY UP THE CHAIN REGARDING THIS MATTER AND I DO NOT PLAN TO STOP UNTIL THINGS ARE FAIRLY AND RIGHTLY DONE. 

Thanks, XXXX XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Bureau, Inc. (SC)

I first heard from Merchants Credit Bureau , Inc. from a letter dated XX/XX/XXXX which stated I have a balanced owed of {$8300.00} and it was due immediately. I have no knowledge of any balance due to XXXX XXXX XXXX, so I sent a debt verification letter via Certified Mail to address this letter. Now I have received a new letter dated XX/XX/XXXX with a new balance due of {$7000.00} stating XXXX in debt with XXXX in interest and XXXX in attorney fees. Included in the letter is a copy of my previous lease that ended XX/XX/XXXX. There is no verification of what is actually owed and why it is owed. The amount due is changing and the company is failing to provide me with documentation for the charges. They have put it on my credit report that I owe XXXX which is highly incorrect and damaging my credit score.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX I have a prepaid Bank of America debit card through EDD I filed a claim with fraudulent charges sold XXXX and some change the claim was found in my favor 100 % the letter received says that my deposit will be permanent not provisional and that it shall be deposited immediately I filed the complaint XX/XX/XXXX it was resolved in my favorite XX/XX/XXXX this is all in 2021 today XX/XX/XXXX I have yet to receive the immediate deposit Bank of America associates seen not to know why I have no answers for me and will not transfer me to authority who can have my funds put into my account they have lied to me on numerous occasions that there's no superiors that there's no management they have told me three working days days after it was resolved my friends should be deposited they have not here now XX/XX/2021 they have no more access to my account so they say they can get their story straight all I want is the money that is due to me and they can not provide that to me at all whatsoever with no answers at all whatsoever I was under the assumption that immediate meant immediately like right away but evidently they don't know the meaning of the word immediate I have yet to receive any funds the customer service is horrible they talk over me they don't listen to me they think of every excuse but pay me
Consumer complaint received 2022-09-01
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: SUNRISE CREDIT SERVICES, INC (NY)

In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX, Account # XXXX Sunrise Credit Services , Inc, Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

In my last communication with EXPERIAN, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.