davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: First Data Corporation (MA)

I have had constant issues with the company Telecheck denying my checks at XXXX and XXXX over this past weekend. XXXX times my check was denied. As has happened before this always happens on a Friday or on the weekend when no one is available at Telecheck to speak with. I called Telecheck today and could not even hear the woman on the other line. When I did ask her why my check was denied she said my bank said I had no funds. Friday was my payday so I had plenty of money. I also called my bank who said they do n't know why or how telecheck would say that. I do n't know where or how this company stays in business or where they get their " information ' on my bank account from. You ca n't get an answer from a person from the company when you finally get through to someone on their complex telephone system.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC (GA)

My wife and I are pre-approved by Movement Mortgage here in Georgia. My wife and I have met every stipulation that Movement Mortgage has laid in from of us and in fact we 've been approved but for some reason in the last few hours they wo n't process our loan ( we were supposed to close today ). In fact, they claim that the original loan processor called in sick today ( bait and switch ), and are now making us prove our loan worthiness once again while the sellers and buyers of XXXX other loans are waiting to close, the sellers of the home we 're buying are basically backing out of our signed and agreed to deal. Please warn other people of this bait and switch that we are going through.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (SC)

XXXX XXXX XXXX XXXX, SC XXXX CreditRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against XXXX XXXX XXXX for {$20000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
In XXXX I contacted Rise Credit in regards to a fraudulent inquiry on my credit at which time I advised your company of the fraud and requested the inquiry removed. I received no response no justification via permissible purpose. I the realized in the months following your company listed a loan on my credit again I mailed your company copies of FTC Id Theft Affidavit, XXXX XXXX CID Memo, and a letter of dispute and requested validation documents so I can attempt to find out who is continuing to use my ID. I have now sent those documents to your company XXXX. Neither time were my issues addressed or responded to. Your failure to update the credit bureaus have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Also your negligence in responding to said correspondence constitutes Willful Negligence as required under FCRA. A combination of all of the above constitutes actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$6000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees alone in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause 15:1692 Fair Debt Collection ActCase # XXXX XXXX XXXX, XX/XX/XXXXYour prompt attention is appreciated, XXXX XXXX
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (CO)

I 'm very upset with Afni Collections. I have disputed this account on XXXX separate occasions and to date have not received any validation. I contacted Afni trying to pay the account in full if they could help me with my credit. I advised that I was in the process of purchasing a new home. The reporting Afni made has jeopardized me in purchasing a new home. I spoke to XXXX different managers at this collection agency and NONE of them would help me resolve my account and help me with my credit. I originally had an account with XXXX XXXX and XXXX XXXX that was bundled. I paid the XXXX portion and thought this was paid in full. I never received a final notice or bill from XXXX XXXX prior to them sending me to collections. I just need help and no one will take the time to help me resolve this collection. If I would have received a final notice from XXXX XXXX then I would have paid the bill before it made it to collections. 
My children are suffering in the current housing situation we are in. There is just not enough room for XXXX of us and now my rent is being raised and AFNI will not help.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

I volunteered XXXX for my sister. She was going XXXX at XXXX. The XXXX there coordinated for me to undergo XXXX at XXXX XXXX for the XXXX. Upon arrival and registration, the admissions and registration personnel refused to acknowledge my orders from the XXXX office at XXXX to bill them and they in turn would bill XXXX and my sister 's insurance for all XXXX. XXXX then billed me for XXXX and the '' reading '' of results. I sent them copies of my documents from the XXXX XXXX XXXX AND XXXX. They then turned the matter over to AFNI for collections. I again submitted all documents concerning who should be receiving the bills to AFNI for removal from collections and off my credit report. This was over 3 years ago. The items are still on my credit report from 5 years ago.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

As a working mother, my family has banked with regions for several years now. I do n't recall them asking, but I know they switched our statements to online only, and we no longer receive paper statements. My husband nor I have had much experience managing finances and live paycheck to paycheck to make ends meets. Recently when I needed information, I found our online statements online ( not easy to find since I use mobile banking per the bank 's request ), and realized my family had paid the bank thousands and thousands of dollars in overdraft fees and fines each month. We barely get by as it is, and I was sickened to see that my trusted financial institution had not only been charging me multiple fees for single transactions, but allowed this outrageous amount of fees to be charged month after month. Never once did we receive any letters indicating we were incurring so many charges, never once did we receive a phone call and I honestly do n't remember even signing up for overdraft protection. I see now its a button you can click, but its not very clear and would be easy to click and forget about. The only time I recall intentionally signing up for any overdraft protection was when we had a savings account linked, which was closed years ago. I am now learning to budget and take control over my finances, but feel taken advantage of by Regions and feel it should have put a limit on the maximum number of fees, or turned off the overdraft service ( which I am not 100 percent certain I ever signed up for. ) In XXXX my family paid {$6400.00} in overdraft fees to Regions, in XXXX my family paid almost {$11000.00} in fees to Regions and in XXXX these past few months alone, we 've already paid {$4000.00} in fees. I will be moving banks in the near future to an institution that I feel is a trusted partner, and an institution that will counsel and advise families like mine, scraping by on how to better budget and manage finances. Instead I feel Regions robbed me blind and unfortunately I was not wise enough to realize it before now. Regions has not helped my family achieve our financial goals, instead they have stolen them from me and my children. There are weeks we scrape by to make ends meet, but that I now know is in large part to Regions deceitful and manipulative policies.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: EOS Holdings, Inc. (AL)

Back in XX/XX/XXXX, I joined XXXX XXXX ( XXXX ) and left for XXXX. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to EOS XXXX. A little over two years ago, back in early XX/XX/XXXX, I started receiving the initial contact from EOS. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted all XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by XXXX about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of EOS XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into EOS XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
Consumer complaint received 2015-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TX)

In XXXX of 2012 while I was in an unemployed status a young lady, XXXX XXXX was going door-to-door in our neighborhood trying to sign people up with XXXX XXXX. Since I was out of work and was looking for ways to save money, I was interested in what she had to say. My only problem was that I was still under a contract with XXXX XXXX and I told her that and she assured me that I would be receiving a Visa gift card in the mail as a bonus for signing up with XXXX XXXX that I could use to pay any cancellation fee with XXXX XXXX. Since their rates were a little less, my husband and I decided to go for it and signed a contract. I had to call a number to confirm that we had agreed to the changing of our service over to XXXX XXXX, and while making this phone call I found out that I had been misled on the XXXX gift card, and would n't actually be receiving it until we had fully met the terms of our contract after a year, which meant I would have to come up with the cancellation fee for XXXX XXXX, and being out of work, we could not afford that. 

The contract we signed said we had up to 3 days to cancel the contract, which I did within XXXX hours of signing the contract. I immediately called them and spoke with XXXX to cancel our service, who gave me a reference number ( # XXXX ) confirming my cancellation request, and then I also e-mailed in the required notice of cancellation that same day. 

When on XXXX XXXX I received a notice confirming that I had requested to change my service from XXXX to XXXX XXXX, I called XXXX XXXX and spoke with a XXXX to confirm with her that my service was still active, and she confirmed that it was. 

After receiving my first bill, I contacted XXXX and informed the billing department that I had cancelled my service within XXXX hours of signing the contract and that my service with XXXX XXXX was never interrupted, and that they, XXXX NEVER did supply my electricity, so why they are charging me for service they never even supplied. This in my opinion is fraudulent business practice on the part XXXX XXXX. 

I also made several other calls and spoke with individuals in XXXX XXXX 's billing department when I received bills in the mail, and never could get anyone to listen to me or get supervisors to return my calls regarding what I was trying to tell them were bills in error. 

Please feel free to contact me for any further information you XXXX need regarding this complaint.
Consumer complaint received 2015-08-11
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc (CA)

I was sent {$2400.00} from my client through Paypal. When I logged on to Paypal to transfer the money into my bank to balance our cash flow, the system showed that only {$69.00} of the {$2400.00} was available and the rest would be held for 21 days. I called Paypal and spoke with an agent and asked him to have the money released immediately as we were expecting theis money as deposit to start our work on the project. The agent walked me through the website to indicate that I was not selling anything that required the hold. He said after that process the money would be released in three days. After 4 days the funds were still held back. I called Paypal again and spoke with another agent who said he could not remove the hold and that he would have the supervisor email me a response to my complaint. I had to go through a lot of trouble to fix our finaces so that our chceks would not bounce. It is already 20 days and I just chceked, the money has still not been released.
Consumer complaint received 2016-01-06
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (FL)

On XXXX/XXXX/2016 I received an email stating my PayPal account had been limited, I immediately contacted PayPal to find out why. I was informed it was because I had failed to update the tracking for my shipments but if I would log in and update tracking the limitation would be lifted which I immediately complied. I waited 24 hours only to find out my account was still limited so I called PayPal again asking for clarification. I was informed my last XXXX shipments needed to show delivered before the limitation would be lifted again I complied and agreed to wait for delivery confirmation. On Tuesday XXXX/XXXX/2016 after delivery confirmation was provided I was informed I would have to wait an additional 72 hours for the limit to be removed, I requested to speak with a supervisor regarding all the hassle and misinformation I was being provided. I was informed by the CSR that my account was being limited due to my name being associated with a negative account. Once the supervisor got on the phone he XXXX informed me he would look into the account and get back with me after a 20 min hold I was told by XXXX that the hold had went from 72 hours to 180 days with no reason given other than it is PayPal policy that if they feel an account is high risk they can freeze account for up to 180 days. I was told I had 3 options either wait the 180 days and do not cause PayPal any issues and they would contact me and let me know how I can then get my money, option 2 wait 45 days call back into PayPal and request an appeal ( which I later noticed once logging into the site that I could not appeal ), option 3 contact my customers and ask if they would ship back at their expense or at my expense they items they had purchased and were completely satisfied with. I informed XXXX I would be taking legal action against PayPal since other than my name being associated with an account that is negative they have no legal rights to hold my funds. The negative account is not my personal account my name is listed as a backup contact and an authorized user in case the primary owner is not available. The phone call ended and I have begun steps to take legal action against PayPal. I was hoping I could get your assistance with this at a time where money is tight and trying to support a family on a single income having XXXX frozen due to no fault of your own can cause lots of issues. 




Thanks, XXXX XXXX
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Skyline Financial Corp. (CA)

We 've been in process to buy this condo in XXXX since XX/XX/XXXX, we have so many delay with the loan and approval from my loan officer ( XXXX XXXX ), we got XXXX counter offers because the due date has passed, the price went up from $ XXXX to {$410.00} as final price. 
Since last year we already told XXXX that we do not want any points on the loan since we will refi anyway. 
On XX/XX/XXXX he sent me a GFE the closing cost total is $ XXXX, and on XX/XX/XXXX he sent me another email the total closing cost revised to $ XXXX due to 1.625 % points and we have to sign the documents by XXXX since they have to close everything on XX/XX/XXXX otherwise we will lose out down payment of $ XXXX. 
His argument is due to my credit score only XXXX, I mention to him, my credit score did n't change for the last 2 days and he said he did n't lock the rate and it charge points after he lock it. 
I feel like I 've been set up since they charge me points for $ XXXX like 2 days before the closing day. 
My question is : is this even legal? 
I know the rule that they ca n't increase from GFE to HUD more than 10 % but this is from GFE to a revised GFE, is this legal? If it 's not, how do I get the points fee back? 
Thank you in advance for your help.
Consumer complaint received 2015-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (VA)

I made a purchase in XXXX 2015 from XXXX paying with Pay Pal who has my credit card number. After a period of time, I 'm not sure how long, I received a call from Pay pal credit saying I owed them money. I contacted Pay Pal and they said I did n't owe anything. 
I continued to receive calls from Pay Pal credit so I just ignored them since Pay Pal said I owed nothing. This is XX/XX/XXXX and I have been receiving calls from Pay Pal Credit daily. l returned their call and spoke with a man who said I owed them from a purchase in XX/XX/XXXX. I asked him what the purchase was and why they did n't get the money from my credit card which they have on file. He said they do n't have my credit card. He said that he was not with Pay Pal but with Pay Pal Credit and that I had agreed for Pay Pal to bill them for my purchase. I told him I never made any agreement with Pay Pal except for them to bill my credit card which they have on file for my purchases. He said I agreed to use Pay Pal Credit and had given them my social security number and phone number. I told him I never gave consent for any form of payment to pay pal other than my credit card. 
He said I owe Pay Pal credit {$270.00} for the initial purchase plus {$36.00} interest plus additional charges for unspecified fees. 
I do not object to paying Pay Pal the {$270.00} due for the purchase as I agreed using the credit card they have on file. I do object to paying any interest or other late fees occurring due to their sending my bill to another credit company without my knowledge.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (OH)

We contacted IC Systems and we mentioned a credit check that was done on XXXX/XXXX/16 through XXXX. They could not find check in the system. We spoke to a manager, they mentioned they would not remove credit check. They said it was not their responsibility.
Consumer complaint received 2016-08-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (IN)

i paid for two jewelry items on ebay, a XXXX and XXXX. the bill was paid through paypal XXXX/XXXX/2016. the seller provided a usps tracking number but i did not get the items. i have made three trips to the post office, spoke with supervisor XXXX XXXX. she told me the trucks were checked daily and the post office found no spare packages. i soke with the seller, XXXX who stated " i did everything right and have no responsibility '' i opened a case on ebay which was promptly closed due to paypal opening a case. paypal opened case and " investigated '' found tracking number from post office and said it was delivered, it was not, i did not get the package. paypal has a buyers protection " from their front door to yours '' and charges 2 % on my sales plus interest on their account. i have contacted them no less than 10 times, but with delaying tactics only to get my hopes up. the last installment was monday ... XXXX/XXXX/2016 they open an appeal but i got an email today stating once again the case was closed. that case number is XXXX.
Consumer complaint received 2017-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRINITY HOPE ASSOCIATES (NC)

I created a medical bill late XX/XX/XXXX at XXXX. I paid them directly on XX/XX/XXXX. I began receiving harassing phone calls and letters from Trinity Hope Associates in XX/XX/XXXX to which I responded that it was already paid to the physician, but they refused to believe me. The Physician sent them records to prove this. Then things were silent, but now in XX/XX/XXXX I started receiving calls and letters again. I called them back and yet again they were quite rude and demanding payment. It took me a while to connect the details of this ( as they said it was from 3 years ago ). But I told them I am sure it was paid. They refused to give me the proper name and contact information of the physician group. Representative XXXX said " look it up online yourself ''. She also said I was reported to the credit agencies and I should " look that up yourself ''. She also threatened to send me to another collection group and report me again. The letter states I would hear from an attorney. Without the proper information this took quite some time, as my personal documents from XX/XX/XXXX have been destroyed. Nonetheless I did get to the right medical practice and they again assured me that this bill had been paid directly to them in XX/XX/XXXX. They assured me that they already told the collection agency that the first go-around of this, but they would send them the information again. They also said they would inform the credit agency to undo my negative credit reporting. I called back to the collection agency to let them know and they insinuated I was lying, demanded again for payment, and she was quite rude again. I informed them I was going to report them.