davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (NJ)

SUBJECT : Complaint Against SYNCHRONY BANK, XXXXXXXX XXXX XXXX, XXXX. Alleged Attorney for Plaintiff SYNCHRONY BANK is a licensed New Jersey attorney, Bar No. XXXX, who is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; and XXXX XXXX XXXX XXXXXXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Ny, United States, XXXX XXXX for Violations of Debt Collection Practices. Dear Sir/Madam, I am writing to file a formal complaint against SYNCHRONY BANK, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ) and state laws regarding debt collection in New Jersey. The law firm is pursuing court action against me violating its terms and conditions, which mandate arbitration in the event of a dispute. 

SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have disregarded the FDCPA by : 1. Violating its dispute resolution terms : Their terms and conditions clearly state that arbitration is the required method for resolving disputes. By pursuing court action instead, they are engaging in unfair and deceptive practices.

2. Unfair legal action : The firms approach constitutes harassment and abuse, as defined by the FDCPA since it contradicts their method of dispute resolution. 

Additionally, the law firm has breached New Jersey state laws by : 1. Lack of Required Licensure or Registration : SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have not provided proof of their required debt-collecting licensure or registration with New Jersey state regulatory bodies.

2. Non-compliance with State Regulations : The firm has failed to adhere to state-specific debt collection regulations that protect consumers from abusive practices.

The firms actions also raise serious concerns about their compliance with court rules and procedures : 1. Abuse of the Legal System : By bypassing the arbitration process and pursuing court action, SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX are misusing the legal system and causing undue stress and financial burden. 
2. Lack of Fair Operation : Their actions demonstrate a disregard for fair legal procedures and consumer protection laws.

I have attached copies of all relevant documentation, including correspondence with SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX XXXX, their terms and conditions, and court documents. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX, Consumer as defined by the FDCPA
Consumer complaint received 2024-09-11
Product: Credit 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: BARCLAYS BANK DELAWARE (VA)

I got to my vacation city on XX/XX/year> the hotel said I had no reservation after only looking at me, I called the booking company their rep hung up on me at least 5 times I had to sleep XXXX night in my car then I returned home the next day First I had no reservation, they said I paid in advance, I need my refund, they knew I had reservations. The XXXXXXXX XXXXXXXX said there was a problem but never said was the problem was, ok!!! 
This credit card company representative told me that I was never in the place/city where I claimed to have been so I was a no show .So the credit card company believed the XXXX company. Remember above I was told at the door I had no reservation how could I have been told in person I had no reservation if I were not at the hotel Of course I have XXXX  tracking, XXXX XXXX  tracking tolls, video and emails etc. 
These people think I am going to pay for a service I never got This is fraud and I know why it happened, this must STOP!! 

The reservation company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  company is Barclays !
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally file a complaint against [ Credit Reporting Agency Name ( s ) ] for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with the inaccurate reporting of information on my credit report due to identity theft. The details of my complaint are as follows : Inaccurate Reporting of Identity Theft : My credit report includes a XXXX  XXXX account under the name " XXXX XXXX XXXX. '' My correct name is " XXXX XXXX XXXX. '' This is a clear case of identity theft, and the continued reporting of this account under the wrong name is both damaging and inaccurate. 

Failure to Conduct Timely Investigation : I reported this issue to the credit reporting agencies over 30 days ago, yet they have failed to resolve the matter within the legally required timeframe. Under 15 U.S.C. 1681i of the FCRA, credit reporting agencies must investigate disputes and correct inaccuracies within 30 days.

Unlawful Re-insertion of Disputed Items : After initially removing the disputed items from my credit report, they have been re-inserted without proper notification and justification. This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, which mandates proper notification before re-inserting any disputed information. 

Lack of Written Consent : I never provided written consent for the reporting of any accounts cited on the identity theft report. According to 15 U.S.C. 1681b of the FCRA, a consumer reporting agency may furnish a consumer report only under specific conditions, including the consumer 's written consent, which in this case, I did not provide. 

Failure to Remove Identity Theft Information within Four Days : According to 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate proof of the identity theft. Despite providing the necessary documentation, the agencies have not complied with this requirement.

Denial of Credit : I was denied credit because of the inaccurate XXXX XXXX credit card account. According to 15 U.S.C. 1681m, users of consumer reports are required to provide consumers with notice when adverse actions are taken based on information in a consumer report. This denial of credit has caused me significant harm.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (PA)

I am writing to formally report a case of identity theft that has significantly impacted my credit. I discovered a fraudulent account with XXXX XXXX XXXX ( XXXX ) opened in my name. I immediately reported this to XXXX and filed a dispute with them. However, despite my efforts, I have not received any updates from XXXX, and the fraudulent account remains on my credit report and is now in collections. 

As a victim of identity theft, I have had to take numerous precautions to protect my identity, including obtaining an Identity Theft PIN from the IRS after discovering that someone was filing taxes under my name. 

The presence of this fraudulent account on my credit report continues to harm my financial standing, and I am deeply concerned that this issue has not been resolved. I am requesting your assistance in investigating this matter, ensuring that the fraudulent account is removed from my credit report, and providing any guidance on further steps I should take to protect my credit and identity. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (TX)

This collection agency DRS recently posted negative collections on my credit report and ruined my credit. I dont recall this debt. I have contacted debt collector multiple times for the details. A signature, date opened, original delinquency, original amount, date of alleged loan, etc. They simply will not provide any information. I filed a dispute with XXXX and they say that the debt collector verified that the information is correct. However, neither will tell me the before mentioned details or proof this is my debt. The collection agency is also reporting this as a new loan. However, XXXX says the negative debt will be removed from my credit report in XXXX. This means this debt must be at least XXXX years old. They are reporting it as new and reporting it that way. I believe this debt was removed off all the credit agencies years ago. It originally showed up as closed. Now it is back and has ruined my credit after I worked very hard to pay off all my debts and rebuild my credit which was hit negatively by my student loans. The credit agencies are not reporting it as a XXXX year old debt. I believe this account was sold to predatory collection agency and they are reporting it in a dishonest manner. I believe that they should provide me with proof that the debt belongs to me, give me all the details including when it was originally taken out and for what amount. If it is my debt they should report it as an old debt and stop reporting it like I recently took it out. I honestly do not recall taking out this loan or credit card debt. All I am asking is that the collection agency give me the details and report it honestly. They are holding me XXXX by messing up my credit that I have worked hard to repair. Thank you so much. XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I have tried to use the prepaid gift card many times. The website says there is no such card and when you call the ( XXXX ) number it doesn't allow you to speak to anyone and makes you go to the website to find information. The website no longer available
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OK)

I have Venmo. They keep delaying my funds on purpose because I call and ask for reps in the USA. I ask for US reps when their reps ( Venmos ) speak their foreign language to me and I dont understand and get frustrated and request someone in the states and they say hold on we will transfer you and then they speak foreign languages and dont transfer me. 

A lot of the foreign call centers think they will be fired when transferring people to a us rep. Also they play childish games like calling me names and when I respond they threaten me and say they dont tolerate language thats abusive. This is also a violation of our right to freedom of speech.

When I ask Venmo they tell me to file a complaint with the CFPB and they say because you at the cfob will protect Venmo from us the customers. Oftentimes they tell us to file with you because they know at Venmo the cfpb will do nothing.

So Im suing both Venmo and the cfpb for fraud.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (TX)

This collections account is fraudulent. I contacted DRS and they say it belongs to XXXX who got it from XXXX  XXXX. XXXX XXXX has no knowledge of this. And XXXX XXXX has provided me two current accounts which they wouldn't do if I had a {$1000.00} charge off just a few years ago. 
DRS account number is XXXX I do not have the XXXX  account number. XXXX appears to be the one committing fraud since they are the ones claiming I owe XXXX XXXX money. 
Also, I checked my credit reports dating back to XXXX  and none show me with a credit card from XXXX XXXX except for the XXXX that are, and always, have been current.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

I signed up with VENMO as my friend wanted to pay me back for a personal loan and he uses that application. The account was opened and established and my friend sent me the money to the account. However, Venmo requires it to be connected to a bank account or debit/credit card. I have used every account I own to connect to Venmo. I have only received " unable to connect your account, try another account, try again later '' This has been going on for several months. I have contacted support to no avail. They maintain my account in freeze mode. To unfreeze it you must connect an account it seems. That is impossible to do as they do not accept any of my accounts with no clear explanation. The support says they are unable to tell me the reason as well, and often transfer my case to someone else in a different department. Once there, the process starts again where they tell me to connect my bank account or an account to the application. It is as if they do not read what is happening. I have looked online and see that there are many similar cases and lawsuits with the same issue. People can not access money that has been paid into the Venmo application. I am beginning to believe it is a fraudulent company and it is a manner to steal money over time or use the money to collect percentage rates so they hold onto it illegaly.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-11
Product: Credit 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: Paypal Holdings, Inc (NJ)

Merchant issued refund for {$2400.00} on XX/XX/year> but PayPal claims they issued refund on XX/XX/year> but to another account number not belonging to me and PayPal refuses to correct this situation. Between the afternoon of XX/XX/year> and the evening of XX/XX/year>, numerous telephone calls have been made to resolve the situation. The transaction refund has shown as " Pending '' but never came through and disappeared on Saturday XX/XX/year>. PayPal sent an email stating it was refunded but to an account that does not belong to me or is known to exist. I contacted XXXXXXXX XXXX, the credit card issuer, which confirmed the account PayPal issued the refund to does not exist. PayPal has been uncooperative in resolving the situation.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX an inquiry from XXXX was placed on my credit report i do not recognize nor did i authorize this action. 

On XX/XX/XXXX an inquiry from XXXX XXXX  was added to my credit report i do not recognize nor did I authorize this action either. 

On XX/XX/XXXX an inquiry from syncb/amazon was placed on my credit report I have already reported this issue and the company said the inquiry would be relieved within 60 days but it is still shown on my credit report.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Central Holdings, LLC (GA)

NO CREDIT LOAN COMPANY HAS THE RIGHT TO SHOW UP AT MY HOME AT XXXX XXXX FOR ANY MONEY. I'M NOT OUT OF BED AT THAT TIME AND I SURELY DIDNT GIVE THEM PERMISSION TO SEND ANYONE TO MY HOME AS [ CREDIT CENTRAL ] A LOAN COMPANY HERE IN XXXX GA. DID THIS MORNING XX/XX/23. I WANT TO FILE SUIT FOR THEIR HARRASSMENT. THE LADY NAME IS XXXX THAT SHOWED UP AND THREATENED TO TAKE LEGAL ACTION. SAID SHE WAS OPENING UP AT XXXX AND I BETTER COME IN WITH PAYMENT. SHE TALKED TO MY WIFE AFTER KNOCKING ON DOOR THAT EARLY AND MY WIFE TOLD HER SHE HAD NO BUSINESS AT OUR HOME THAT TIME OF MORNING. SEE ATTACHED PIC OF HER CAR AT MY HOUSE AND THE TIME PIC WAS TAKEN. SHE HAD BEEN IN YARD ATLEAST XXXX MINUTES BEFORE I TOOK PIC OF HER CAR AND ANOTHER XXXX MINUTES AFTER
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MI)

Bought visa vanilla gift card at local aldis. Put {$50.00} on it. First time trying it it said only {$7.00} availiable. Called card company and started case # XXXX. Waited about 3 months Got replacement card valued at {$7.00}. Called and asked why and they said we wont get the balance.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

Approximately on XX/XX/XXXX, Ally bank called me to ask if I just made a purchase for {$420.00} which I responded " no '' and asked them to stop the payment if they could. They then asked if I wished to dispute this transaction.to which I said " Of course ''. They said they would cancel the payment and send me a new credit card and I should destroy my existing card. I checked my online account and seen the charge was not paid but in a " pending '' status. I waited 2 days and checked again to see if the purchase was cancelled. The status showed the payment went through. I called Ally and they said I had to go through their dispute process over the phone which I did at this time and was told to call back in 10 days for results. After a couple of weeks of no results from Ally, I contacted the vendor who said they had me on a subscription list from the one-time order that I had placed with them 6 months earlier. I requested to be taken off that subscription and they said they would refund the money if I cancelled the dispute. The purchase was made through XXXX who said once I cancel the dispute with Ally, Ally should automatically send an electronic notification to them of the cancellation so they can cancel it on their system also. I cancelled the dispute with Ally who did not notify XXXX. During several calls in the following weeks, Ally kept making excuses as to why they did not notify XXXX and promised to correct it until my last call where they said they would not notify XXXX electronically and I was forced to refile a dispute to get my money back and was told to call back for results in 10 days. When I called back, I was told the Ally dispute dept. had cancelled my dispute and to refile another dispute. This time they would make a special note that this dispute should not be cancelled for any reason. I was told to call back in 10 days for the results. I called back and was told the dispute was again cancelled by the Ally dispute department and that I should refile the dispute again and they would make a note not to cancel again. I stated that is exactly what I did last time and that it has been 3 months that my money has not been accessible to me. They said that is their procedure and they can not contact XXXX directly to clear the status of this transaction. XXXX insists they can not clear the transaction without a direct electronic notice from Ally Bank. Still my money seems to be in an indefinite limbo between these two banks policies.