davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc. (AZ)

Associated Credit Services , Inc. Claims to be collecting a lawfully owed debt to XXXX, XXXX XXXX When I wrote them and explained the debt IS NOT owed and the claim that the debt is owed is false. They sent back a legal agreement I never signed and have never seen prior to Associated Credit Services , Inc. remittance of the agreement. The agreement sent by Associated Credit Services , Inc. further does not contain my signature in any way shape or form. They also sent a generated invoice for {$600.00}. XXXX, XXXX and Associated Credit Services , Inc. are committing mail fraud by attempting to collect false and/or fake debts via the U.S. Postal System, I feel they  should be investigated and charged.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (IA)

The following below is a result of XXXX Hospital refusing to bill Medical after staff signed me up for payment on treatment with this I consented. 

In good faith after treatment in XXXX, XXXX, I followed up with several calls to Medical who stated they had not been billed and had funds for this bill. XXXX must send billing. I sent three letters to Doctors, Hospital staff and still XXXX refused to bill Medical. My guess they wrote off the amount and left me with what they could not write off. 

I am and was declared destitute by the State of XXXX. I am American born and so is my family that remains and mostly military. I moved to XXXX last summer at least temporarily to find affordable housing, steady work and can not afford this hospital bill. 

I had to move from XXXX due to Identity Theft, gangs and general crime in the corrupt and sanctuary state of XXXX. ( I filed FTC I.D . Theft reports ( 6 ) I struggled to find housing, work and kept trying for fifteen years. I returned to school and was denied work in the field of Insurance Life and Health after three attempts ( agents are tough and were corrupt ). Completed Paralegal education at a junior college and legal field in this area is very political and requires XXXX XXXX and or equivalent education and who you know status. I worked in Security and Customer Services mostly. 

In XXXX I have had to find a job each month and work about 12 hours a week with XXXX XXXX XXXX and XXXX. I need to still find steady work and affordable housing and life without so much crime. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$690.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Department XXXX Agency / Attorney Balance Loan Amount {$690.00} {$590.00} Payment Info Original loan amount {$590.00} Balance {$690.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

I received {$1200.00} in my Venmo account on XX/XX/2021. 

Since then, I can not transfer this money to my account or any other user. I have reached Venmo 7 times since then, and they have requested by drivers license which I have promptly supplied however the issue persists. Sometimes they say I need to add a bank account or debit card, however the app does not allow me to do that anymore. 

It is clear that Venmo is withholding my money. It has been 5 months.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (OH)

I did a mobile deposit of a check to Keybank through their mobile bank on Thursday XX/XX/XXXX, when I deposited the check I got a prompt saying my funds would be available on Friday the XXXX. When the funds weren't there I contacted the bank and they told me that my funds would be available until the XXXX taking a hold of XXXX days to my deposit. 

I talked to them and told them that although terms and conditions on my account do mention the possible hold while depositing a check, the prompt on the app saying my funds would be available the next day if I did a mobile deposit was misleading. 

The supervisor at the contact center told me that if that was the case, it would be misleading. Upon checking what the prompt said he confirmed what I said was correct and said that indeed, information could be " clearer '' but that he could not do anything about it. 

Now I stand with Keybank holding my funds and no access to them for what I consider to be negligence for their error while drafting the information on the prompt or misleading information if purposely placed liked that knowing it differs from the information on their terms and conditions that I signed.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

On XXXX I contacted Mr. Cooper to schedule a payment in the amount of {$600.00}, to be debited from my account on Friday, XX/XX/2022. The agent I spoke to confirmed via recorded audio that my payment was to be taken on XX/XX/2022. Well first she stated the XXXX and I had to correct her. The agent incompetently scheduled my payment for Friday, XX/XX/2022 which resulted in my account incurring a {$29.00} returned check fee. I contacted Mr. Cooper on XX/XX/2022 and reached an agent named XXXX. I explained the complete situation and XXXX, completely wasted my time because she didn't listen to me or understand what was going on. She called my bank, XXXX to confirm the {$600.00} transaction had been completed??? I was talking about a return check fee and this fool wants to confirm that the {$600.00} had been taken out of my account. You are confused??? Yeah, so was I. I had to stop the conversation with her at a point as her incompetence was too much to take. I was eventually transferred through Tier 2 escalation to XXXX who was equally as useless. I felt like she was busy with her cell phone as it took her forever to respond to anything. I finally sent an email to XXXX with a screenshot of the processed return check fee. I want my {$29.00} returned check fee back. I will not be punished due to the incompetence of someone else!
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

CHASE BANK. My wife and I placed money down on XXXX in XXXX for XXXX vacation. When it was decided that we could not go, XXXX promptly refunded our money on XX/XX/XXXX as set forth in the terms. The problem was that I had unfortunately, on XX/XX/XXXX, closed the credit card account used to make the deposit. The monies, {$690.00}, however, were sent to that closed account. The bank is Chase Bank. I have the account number, payment code, and trace number if needed. I have since called Chase Bank on several occasions and written XXXX letters to their Card Member Services address. I am stonewalled at every turn as their help line, XXXX, is a maze of reconnections leading nowhere and each time I write, I receive a letter that says, " We are not able to fulfill your request ''. The reason we cancelled the vacation is that my wife and I need those funds for medical expenses.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MA)

XXXX account was sent to collections, I paid the collection company settled for less, XXXX XXXX XXXX -act # XXXX Paid on XX/XX/XXXX. 
XXXX sold the account to another collection company RPM Receivables Performance Management LLC. XXXX reported to the credit bureaus that I owed the remainder of the balance. RPM contacted me several times to try and collect what XXXX told them was a balance on the already settled account. I called XXXX several times to provide me with a letter that showed my payment settlement so I could provide proof of payment to RPM, I finally received proof in XX/XX/XXXX and sent to RPM VIA email. XXXX should have sent proof of payment within 10 days of my payment. XXXX should not have sent the remainder out for collection or reported it to the credit bureaus as owing a balance on the account. 
My Credit score has dropped due to this XXXX falls reporting.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Conn's, Inc. (GA)

On XX/XX/2022 I was served in XXXX, XXXX by a marshall being sued by XXXX XXXX XXXX XXXX, on behalf of Conn 's Appliances , Inc. I called and explained that Conn 's owes me for the payments that I had for a year on the furnature and broken TV that they delivered to me that was of course torn up, broken, and infested with bed bugs and XXXX cockroaches, which was an absolute nightmare to get rid of, Conn 's gave me a 36 month warranty on anything covering the products I got from them but upon calling numerous times with complaints of total dissatisfaction and demanding replacements and remediation for the bug infestation that they had inflicted upon my family and my house, and the damage they did to my house upon delivery, they continuously gave me excuse after excuse of how they were taking care of it, which never happened. I paid for an entire year for items I couldn't use and finally spoke to a store manager after my last payment and he told me to stop paying on the stuff, that he wouldn't put up with it and if there was something he could do to remedy the situation, he would do it for me. Back to the law firm/Deb collector XXXX, they tell me the account is not with them, they transfered it back to Conn 's XXXX even though I never heard from or of the lawyer until my summons on XX/XX/2022. I called conn 's and they told me that another third party collector had the account, so I called them and they told me conn 's had the account, so I called conn 's again and they told me that XXXX had the account. So I called XXXX again and spoke to yet another foreigner rep and they told me they didn't have to account and I told them yes they do because I just got served by the Marshall being sued by them, they transfered me around 5 times and finally I spoke to yet another foreigner that said yes, my account is with them and I can settle with them for a slightly reduced amount, and I told them I refuse to pay anything, that I have pictures, bills, and no product from conn 's after paying for a whole year for @ {$6000.00} worth of damage. I told them I was going to counter sue for the damages, the destruction of my once great credit, and for the breach of contract by conn 's for not adhering to their no hassle 36 month warranty. What do I do from here, I really don't have time or patience to deal with these " conn 's '' artists anymore or their bottom feeding collection/lawyer agencies. I gave them a year of payments and chances to fix the situation, of which they did not.
Consumer complaint received 2022-10-07
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. (TX)

Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX Account Number : XXXXXXXX  for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. XXXX XXXX took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
XXXX has found no merit to these hard inquiries. But XXXX XXXX who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I mailed in a dispute to Equifax stating that my chapter XXXX bankruptcy was filed 7 years ago and I am requesting it be removed off of my credit report- I got a response with updated information but it is still on my credit reports- Both XXXX and XXXX have removed this from my reports.I understand Chapter XXXX Bankruptcy is removed after 7 years- I would invoke my rights and like it removed.
Consumer complaint received 2022-11-19
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: CITIBANK, N.A. (IN)

I just looked on my credit report and saw I have XXXX new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except 1, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't XXXX  XXXX XXXX because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off my credit report.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

I ordered XXXX XXXX XXXX XXXX XXXX from XXXX  and they sent out the package with XXXX. My shipping address is XXXX XXXX XXXX XXXX, XXXX, Washington. The tracking number is XXXX. On XX/XX/XXXX, the package is marked as delivered to XXXX, Washington. I contacted XXXX and they said they will start an investigation with UPS. On XX/XX/XXXX, XXXX said that they contacted the shipping carrier. XXXX said the shipping carrier said the package is delivered to my XXXX address successfully. However, UPS told me and also my renter 's insurance company that they located the package on XXXX where it was then held at a holding facility for 5 days and sent back to the merchant, XXXX. XXXX lied about the ups investigation result and refuse to refund. 

I uploaded all the information including UPS 's response, the investigation from my insurance company, etc to credit card company and they still insist in the favor of the merchant.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

My mother had a business account with Wells Fargo for her business XXXX XXXX. My mother passed away in XX/XX/2021. Since she passed away, the estate including this business account has gone through probate. My sister, father and I jointly inherited her estate. Georgia court has signed the final PET order stating this. However, Wells Fargo have blocked the bank account refusing us access to the account even though we provided all the required documents from Georgia court and the probate firm. We also provided personal documents to identify and confirm who we were. I have a checking account with Wells Fargo so the bank already has my profile. We made a complaint and this was supposedly escalated to the executive team. Yet, Wells Fargo refuses to allow the rightful heirs access to the account. In the meantime, my mothers property business suffers. We are unable to pay for the repairs and maintenance of the properties. We lost out on two offers for the purchase of one of the properties because the buyers needed a business account to make payment and the company account was blocked. The experience with Wells Fargo has been very traumatic adding extra stress to a family mourning the loss of a loved one. We also feel we are being discriminated against because of our race.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (AL)

XXXX has charged my amazon store card for XXXX dollars on XX/XX/2022 and that is a double charge or a duplicate charge for an item that I was already charged for and I returned it back. The charge of XXXX dollars from XXXX to my credit card on XX/XX/2022 is a duplicate charge and is wrong and an overcharge and duplicate charge. I was already charged for this item on XX/XX/2022 so XXXX should NOT charge me again on XX/XX/2022. I am requesting from Synchrony bank to refund me for the charge made by XXXX to my XXXX store card for XXXX dollars on XX/XX/2022 and refund me that money
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

The company in question is I C System of whom which is attempting to collect a debt for XXXX and XXXX. I have disputed these accounts with all credit reporting agencies ( XXXX, XXXX, XXXX ) as well as with the debt collector ( IC System ) directly asking them to verify the debt of which they have failed to do within the 30 day time frame given. One account XXXX XXXX ) was deleted from my credit file In XX/XX/2022 as the result of a dispute made with the credit reporting agencies, but as of recent the debt has reappeared on my credit file under a new debt collector named XXXX XXXX XXXX. It is my assumption that IC system has sold the debt to a third party in an attempt to keep the invalidated accounts on my credit file while avoiding having to verify the debt or be held accountable. As of XX/XX/2022 this new debt collection agency is now re-reporting this unverified debt that was deleted on my credit report! The other account in question ( XXXX ) still remains on my credit report unchanged and unverified.
Consumer complaint received 2022-10-07
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. (FL)

In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports : XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Recovery Services, Inc. (GA)

I paid XXXX XXXX back onXX/XX/XXXX16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal
Consumer complaint received 2022-11-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc. (NY)

Good morning, my name is XXXX XXXX. Ive been a good member with MoneyLion for over XXXX to 3 years and they suspended my account for no apparent reason at all. I didnt even get a warning or email from MoneyLion company especially when I have my direct deposit from the city of New York XXXX XXXX XXXX XXXX They talking about Im receiving money from a third party whom I received money from which is cashapp and these third party payments where I earned income from. MoneyLion claims that my account is under investigation thinking about Im running a scam it something. Im a law abiding citizen. I send them valid documents of uploading my identification with a selfie of myself other documents of where I received my mail from and written a valid statement of the profession on what I do on my second job which is a independent contractor that does resumes research papers and other various things as well to earned a income. MoneyLion violated my rights and the contract agreement that I signed especially paying back the loan as well. Something has to give about this situation.
Consumer complaint received 2022-10-07
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. (VA)

I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

My card was stolen and i reported it to the bank right away. 

they refused to investigate and denied my claim even though i reported my card being stolen immediately they still let the fraudlaunt charges go through and are telling me i have to pay them MY CARD WAS USED IN ANOTHER COUNTRY