davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

This company is trying to collect {$360.00} from me for a medical bill they claim I owe. I have written them several letters since  XXXX     2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation  to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2017-06-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ONE REVERSE MORTGAGE, LLC (FL)

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . TX  XXXX  PURSUANT TO YOUR LETTER DATED  XXXX   XXXX    XXXX   IN WHICH YOU FINALLY ADMIT YOU ARE A DEBT COLLECTION ACGENCY TRYING TO COLLECT A DEBT, THIS MATTER HAS BEEN FINALLY CLEARED UP, ALTHOUGH IT BY NOT MEANS RESOLVED.   XXXX  WHAT YOU HAVE DONE TO ME F OR TWO ( 2 ) YEARS HAS BEEN ILLEGAL. SEE ATTACHED. I WILL ADDRESS RESOLUTIONS LATER IN FUTURE COMPLAINTS AND IN FEDERAL, STATE AND PRIVATE LITIGATION.    XXXX  THERE IS/WAS NO REVERSE MORTGAGE FROM " ONE REVERSE MORTGAGE , LLC ''.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MD)

On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XXXX XXXX XXXX at approxmiately XXXX central time, someone unknown to me attempted to withdraw {$1500.00} from my then XXXX account that has subsequently been closed. That same day, someone was successful in wiring {$2500.00} from my XXXX account which XXXX did refund me, but not after a battle to get it. 

I immediately reached out to CashApp, but there was never a live person to speak with, everything is done via a XXXX  to explain the situation. I told the Cashapp people I had no knowledge of who the person or people were, but they were clearly working simultaneously on my XXXX and Cashapp account, but Cashapp said I authorized the charge and closed the case. They, Cashapp, said they investigated the claim and came back with a finding of responsiblity after a 24 hour " investigation. '' I asked them if they followed the wire transfer to see where they money was transfered and they said no because I authorized the charge. I ask, did they really do an investigation because they had already said it was a charge I approved. They money had to end up somewhere. I have always suspected the theft/fraud was an inside job because of the quick investigation and their unwillingness to offer any real assistance or resolution. It also doesn't help there isn't a real person to speak with to handle such sensitive matters. Everything is done virtually and you NEVER SPEAK TO A REAL PERSON!!! 

I recently revisited the original complaint because I noticed someone attempted to make another account using my name. I haven't used Cashapp since this theft happened and will not ever use an app that handles money and no real person to talk to. They continue to spin me and offer no assistance. Like I explained in my initial complaint, if this {$1500.00} dollar charge was something I authorized, why am I still fighting to recover the money three years later. I strongly maintain this was an inside job. 

I would also like to add this was at the height of XXXX when online crimes of this nature were at an all-time high. I have attached the transactions from that day. YOu can see the flurry of activity that looks like a desperate attempt to steal money. And, never have I ever used anything bitcoin related. Lastly, someone attempted to create another account using the name XXXX XXXX That person was not me. And why would I? This app is not at all reputable. The fact you can't speak to a person gives rise to people working there to engage in all kind of criminal activity because they know the victim will never be able to speak with anyone.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I never gave XXXX  XXXX  or Experian consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-06-22
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AES/PHEAA (PA)

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX.
They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

I am a victim of wire fraud. I am a Wells Fargo account holder and XXXX + was stolen and transferred into a XXXX XXXX XXXX Account. The thief used a different phone ( sim ) to get past the authorization so that they could transfer and steal my money. 

Wells Fargo assigned a Case number to me and told me that they would return my money to my accounts after their 10 business days hold. Needless to say, Wells Fargo determined that I would not be able to get my money back because they ( XXXX ) was unable to retrieve the money from the XXXX XXXX Account. Wells Fargo gave me the account number and the name of the business where the funds went but they won't give me the money back. So much for FDIC ( Insurance ).

I have uploaded a letter and additional supporting documents so that it would assist you in any investigation that you might initiate. 


XXXX XXXX XXXX XXXX or XXXX
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

I sent a letter disputing this to the nation wide recovery I did not get a response it was like I did not send them anything however I did and I faxed a letter also nothing I submitted a dispute with the Credit agencies and they said that nationwide recovery gets anther 30days I read the law it says they gat 15days I am sick and tired of being abused by this system the so called creditor and the Overly powerful credit agencies do as they please. I am requesting that Nation wide recovery PROVIDE WRITEN PROOF of debt WRITTEN PROOF of the right to collect it their surety bond number. IF they don not provide written proof the credit agencies will take it as you do n't have this information and remove it from my credit THE LAW DOES NOT ALLOW FOR I SAID YOU OWE IT SO YOU MUST PAY IT if it did I could simply say nationwide recovery owes me a XXXX XXXX and put it on your XXXX XXXX XXXX and your XXXX and XXXX Credit report XXXX that does not seem like a bad idea given that is exactly what you did to me there is fines involved for breaking the law and I added it up we are working on a little over {$4000.00} dollars
Consumer complaint received 2017-06-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Complaint #  XXXX  - I have not received any documents from my request of  XXXX   XXXX ,    2017  this is an QWR and Debt Validation request sent to  : OCWEN Loan  Servicing, LLc and  XXXX   XXXX   XXXX .     No answers just copies of a appraisal and copy of the canceled Note? This is not the answers asked under the QWR and debt validation letter sent to both companies. This has been ove r one mon th now.     Complaint #  XXXX  - No answer yet to my question. This has been over 1 month now.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (NY)

I am trying to withdraw {$3400.00} from my Robinhood brokerage account. All the funds have been settled in my account for at least 2 weeks. 

My account was restricted due a to a previously failed deposit from my bank account to Robinhood. This deposit was for {$5000.00} and when the deposit was returned, Robinhood ALREADY subtracted the {$5000.00} from my Robinhood account. This {$3400.00} still in the account is in excess of that deposit and has nothing to do with the {$5000.00}. 

I have been emailing Robinhood support since XX/XX/XXXX for them to lift the restriction and allow me to withdraw the funds. I am subsequently closing my account because of the incredibly poor customer support - there are many people on XXXX claiming to be having the same issues and lack of response from Robinhood. 

I have sent multiple messages and been in touch via XXXX Direct Messages with their support account who keeps telling me they are escalating my case. However, today they just told me they want me to deposit another {$5000.00} to my account in order to lift the restriction. 

I will not be doing that. I want to withdraw the money which is RIGHTFULLY mine and close my account immediately. 

If my account were negative as a result of that initial deposit being returned they would most certainly report it to credit bureaus and ding my credit report. This is an incredibly shady practice on their end holding thousands of dollars of mine hostage My Robinhood account number is : XXXX Support Case ID : XXXX
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

In  XXXX   2017  I was mislead into paying a past credit card debt for Fifth Third Bank. I agreed to pay the settlement amount if this would be removed from my credit report. The representative assured me that the charge off would be removed from my credit report within 30 days. I have contacted fifth third bank several times and have been treated unprofessional and told this could not be removed. This charge off on my credit report is negatively affecting my credit worthiness.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

I got a notice ( not the first time ) from AMEX that XXXX has lowered my credit rating again. I called customer support twice and went on the XXXX website multiple times to ask why but they wont say why. I am not late with any payments. In fact, I have no debt. Experian flat out wont answer why they have repeatedly lowered my credit rating. I have gone from over XXXX to low XXXX but no one will explain why. Are they discriminating because I am retired, turned XXXX, and have no debt? They wont tell me.
Consumer complaint received 2017-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

While checking my credit report I noticed Diversified Consultants, Inc. reporting a negative account with a balance of {$300.00}. I immediately disputed this with the credit bureaus and then I received a letter, which is attached, claiming to be collecting for XXXX. I sent a letter, which is attached, requesting they verify this alleged debt on XXXX, XXXX 2017. As of today I have not received any response. The letter was sent USPS Certified Mail with Return Receipt, also attached, and was received by Diversified Consultants Inc. on XXXX XXXX, 2017. It has been nearly 60 days since they received my letter and I am now demanding they delete this account from my credit report since they can not provide proof nor respond to my letter in a timely manner.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

FACTS : ( 1 ) On XX/XX/XXXX, I, XXXX XXXX XXXX, signed a one-year-lease- contract with XXXX XXXX XXXX XXXX . Due to severe health issues ( evidence available ), I explained to the staff : XXXX XXXX XXXX, as a Corporation ; XXXX XXXX, Manager, XXXX XXXX, Assistant Manager, XXXX XXXX, office clerk, I had to leave for XXXX for a special XXXX treatment his physician brother had arranged form him. The therapy is called XXXX, XXXX XXXX- I am a XXXX XXXX person with XXXX and XXXX XXXX and many ailments. ( 2 ) I was assured that his apartment would immediately be put in the market and available for move in so that I would not have to pay not too much money to cover for the rest of the lease time. This is per article 11 of the lease contract ( 3 ) I have been deceived by all the staff and told that the apartment was in the market for rent. I left onXX/XX/XXXX, as I was to fly to XXXX on XX/XX/XXXX. I called the XXXX XXXX XXXX XXXX office several times wondering about the delay as to why XXXX ( XXXX XXXX ) had not called. I was informed that it took 21 days. ( 4 ) I had offered to pay the month of XX/XX/XXXX and following months until the apartment was rented ; however, they refused for they had a plan to defraud, abuse and use me thinking that I am XXXX and perhaps a XXXX XXXX, I would not challenge them for breaching their own contract. They had planned to remodel the apartment on my expense and made it available for move in only in XX/XX/XXXX. The apartment was rented on XX/XX/XXXX, or XX/XX/XXXX. They are demanding that I pay {$8200.00}. Now they are demanding {$9000.00} ( 5 ) The  so-called XXXX never contacted me according to article 11 in the contract and waited until the end of the lease to contact me, which is against the lease agreement as evidence shows. A tenant informed me that the apartment was being renovated and refurbished. I thought that they will relief me since they started remodeling the apartment, which means it was not available for move in. ( 7 ) Company representative, XXXX XXXX, confessed in e-mail ( attached ) dated XX/XX/XXXX, that indeed they had the apartment renovated which means the apartment was off the market and used me to pay rent unfairly and unscrupulously. ( 8 ) All company employees have lied to, abused, and used me, as evidence of e-mail messages show. I believe they have discriminated against me for my XXXX and race. <P/>consider the following : ( 1 ) It is my contention that I owe the defendants no money at all and I should be compensated for the deposit and the last month rent ( 2 ) I  should be relieved from this illegally assessed amount. ( 3 ) I request that the concept of discrimination against me for my XXXX and my XXXX XXXX background be thoroughly investigated.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My credit card number was fraudulently used by an unknown person online to purchase items at a XXXX XXXX in XXXX on XX/XX/XXXX. The items were picked up and signed for at the XXXX XXXX XXXX on XX/XX/XXXX. My Visa card with Bank of America was charged {$1000.00}. I became aware of the charges in the next monthly statement. I instituted a fraud claim with Bank of America and changed the account number immediately and destroyed the credit card per B of A instruction. The physical credit card was not stolen and was never out of my possession. B of A investigated and their decision of XX/XX/XXXX is that the charges are valid and I owe the amount noted. No documentation has been received from B of A to support their decision. Note also my account had a security threshold of {$750.00} which stipulates I should have been contacted for the charge to be debited to my credit card account ; no contact was made for approval. B of A has not given me a fraud affidavit or any other support to assist in this fraud claim. I have filed a police report with the XXXX, AZ police and have notified the XXXX credit bureaus of the situation and place a credit freeze on my name and credit. I feel that B of A should provide me with the signature of the transaction as well as any other documentation utilized by them to deny. The account is now drawing monthly interest charges for the disputed amount.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit bureaus  (  XXXX , Transunion and   XXXX   ) that showed th at the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified letters to each bureau requesting that the information be deleted from my credit repo rt. Only  XXXX  bureau-Transunion has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (PA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX And Cash App XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Client : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Dear Concerned Parties, I trust this message finds you well. I am currently experiencing a significant issue with Cash App on both ends and urgently need resolution for my funds. Given the lack of progress in our current communication, I find it necessary to escalate the matter. Effective XX/XX/XXXX, I will be filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ), and your state Attorney General 's consumer complaint department. The ongoing situation, marked by the shifting of blame between both companies, has left me frustrated with the absence of answers or access to my funds. Funds : {$3900.00} for XXXX XXXX XXXX ( Attached, please find the receipt of funds ) Cash App contends it never received the transaction.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.  <P/> I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early   XXXX  . My credit should have been frozen by  XXXX , but that seems to not have been effective.  <P/> I do n't owe this debt, and my  credit score  has been damaged because the account is delinquent.
Consumer complaint received 2017-06-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NV)

I applied  for a Loan modification back in  XX/XX/XXXX . My accou nt representative was always very helpful. They sent the document to me and I faxed it back multiple time due to " they never received them '' at the time. My account representative told me not to worry after the modification was done the account would not show late. I applied for credit last month and was denied because my mortgage was late 8 times. I connected ocwen and they sent a response that there was nothing that they could do. I do n't feel its fair that a representative told m e one thi ng and they wont hold up to their word. The dates in question  are  XX/XX/XXXX - XX/XX/XXXX .
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.     I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early  2017 . My credit should have been frozen by  XXXX , but that seems to not have been effective.     I do n't owe this debt, and my  credit score ha s been damaged because the account is delinquent.