davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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 (FL)

Hi, I signed up for an online business training program for {$2000.00} onetime payment or a {$2400.00} XXXX time payment with a guaranteed result to either earning our investment back within XXXX weeks or receive a refund. The only condition for such a guarantee was participation in the program. 
Many impressive stats and testimonials were presented to convince the would be participants of the the workability of the program through a big promotional push toward a once a year opportunity that was about to expire. 
Proximately XXXX people signed up starting in the XXXX of 2021 consisting of many seniors and low-income people who were lured into paying for a big pie in the sky that were not delivered. 
After the presale push and the start of the program many hoops and conditions were gradually introduced into their well-oiled deceptive psychology of marketing that we were not aware of before signing up ; conditions and requirements that if they were openly revealed to us before signing up we would have never participated. 
Currently many of the " helpless participant '' are left with an empty bag full of nothing but lots of hype filled with a bombardment of hallow ideas of online money-marketing ideas. 
I have prepared a document regarding this case and have submitted to PayPal Credit, which is managed by Synchrony Bank. I have followed up with MANY phone calls and they have badly handled my claim, through a series of employees ' errors, but also reversing their decision after resolving it in my favor giving me no logical answers for doing so. 
It appears that my XXXX GB attached document to Synchrony Bank has not been carefully reviewed to detect the fraudulent practice of " Live Your Massage '' as a company and return my funds back to my account. 
My complaint is about " Live Your Message '' as well as the Synchrony Bank known more as PayPal  Credit. My attached file- if reviewed properly- is a document that will win with hands down in a court of law.
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bayside Capital Services, LLC (ID)

I have received repeated calls from a few different  XXXX  or  XXXX  numbers in recent weeks  (   XXXX   2017  ). Within the last few days they have switched to " private numbe r ''. Yesterday  (     XXXX   XXXX   , 2017 ), som eon e left  a message with no name, no company identified, and said they were " delivering important certified legal documents to take legal action '' I erased the message thinking it was som e SPAM or Ro bocall.      Today (     XXXX   XXXX  , 2  017   ) the number called again and I answered. I asked for the person to identify themselves, they did not give their name, but said they were from a " Bayside Capital '' group and told me that lega l documents would be delivered next week and that they are obligated to inform me. I said what is it in reference to? He gave no answer he just kept saying " it 's about legal documents that will be delivered '' I asked for a number and he gave it. I have no idea who this company is, what they want or what they are talking about.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc. (NC)

My credit agency XXXX reported that my credit score was dropping due to a past due amount that was reported to Stern Recovery Service on XXXX XXXX XXXX XXXX 's behalf. I then contacted XXXX XXXX XXXX XXXX XXXX XXXX where XXXX confirmed the bills were for a {$290.00} blood work performed with my annual physical ( covered by my XXXX  ) and another lab that was not performed so there should be no interpretation of it. XXXX referred me to XXXX XXXX billing where I spoke to XXXX who transferred me to interpretation billing, I was disconnected so I called back and spoke with XXXX again and XXXX who suggested to check XXXX to address billing concerns : my concern being reported to a credit bureau for a bill that should not exist, and I never received. Multiple times I have requested a statement from Stern Recovery Services and XXXX XXXX XXXX XXXX showing where this balance is coming from and have not received any response. Most recently I sent a certified letter to Stern Recovery Services requesting a Debt Validation letter. This was mailed on XX/XX/2022 USPS tracking shows the request was received on XX/XX/2022 at XXXX and was accepted by an individual at the office. I have still not received a response as of XX/XX/2022. 
TO RESOLVE THIS : I AM REQUESTING A LETTER TO SEND TO MY CREDIT BUREAU AND FOR STERN RECOVERY TO CONTACT THE COLLECTIONS AGENCIES THAT I HAVE BEEN FALSELY REPORTED TO.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF THE WEST (AZ)

I applied for credit on XX/XX/XXXXXXXX  to buy an RV from Bank of the west/ Essex XXXX  . I had recently purchased a new home in XXXX on XXXX to which my brother and I pay half the mortgage. My loan was denied I called many days Ina row and left many voicemails for the person who was supposed to be my loan officer and never got any response on why it was denied. I also sent many emails that went unanswered as to the denial.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I have an LL Bean XXXX with Citibank. Back in XXXX they sent a notice in the mail that you could earn $ XXXX for the 3 months of XXXX, XXXX and XXXX if you spent a certain amount ( say {$200.00} ) on groceries each month. I promptly activated the offer and more than fulfilled my purchase requirement each month to earn the {$25.00} in Bean Bucks or {$75.00} TOTAL. When I called in XXXX to ask when I would see my XXXX Bucks applied to my account they said it could take XXXX billing cycles. Well that has not happened and I have called XXXX times now to discuss with a rep or even team leaders and no one can give me an answer as to why my Bean bucks have not been applied. I just got off the phone this a.m. ( XX/XX/22 ) with another supv. ( XXXX- # XXXX in XXXX XXXX ) and was told someone would get back to me. That is the XXXX time now I have heard that. I do not know where to turn to get this resolved and get my earned bean Bucks credited to my account. Please HELP!
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 2288984 Ontario Inc. (LA)

I have submitted several disputes about the XXXX Money Key line of credit which should have never been reported to credit bureau XXXX there was never a 30 day missed payment, the loan amount inaccurate, payment % inaccurate, account never been updated since XXXX XXXX showing incorrect information as if no payments were made on account. This information Should not be on account if company is not going to accurately report information consistently. No one at the company is reporting this matter correctly or trying to fix their error. Which shoes I owe an amount that is inaccurate. Refuse to take off credit report.
Consumer complaint received 2022-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P. (TX)

I WAS SOLICITED BY QUICK CREDIT CONNECT VIA US MAIL WITH A PREAPPROVED CHECK IN THE AMOUNT OF {$2600.00} IN XXXX OF XXXX WITH THE UNDERSTANDING THAT THIS WAS AN INSTALLMENT AGREEMENT. I MADE MY FIRST PAYMENT OF {$210.00} ON XX/XX/XXXX. XXXX XXXX XXXX IN TURN CONTINUED TO DEBIT MY ACCOUNT EVERY XXXX FOR {$210.00} AND THAT WAS NOT OUR AGREEMENT INITIALLY!!! ACCORDING TO THE ORIGINAL DOCUMENT. THE PAPERWORK, UPON FURTHER REVIEW IS NOT AT ALL WHAT WAS ORIGINALLY MAILED TO ME. ( SOMETHING IS ROTTEN IN XXXX ) THIS COMPANY APPEARS TO BE SWINDLING CONSUMERS WITH WHAT APPEARS TO BE A BAIT AND SWITCH TACTIC IN MY OPINION!!!!
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. 
The charge has been reversed, but I would suspect that this would happen to many consumers at the company.
Consumer complaint received 2023-03-29
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In XXXX of XXXX, I reviewed the new waiver for the XXXX XXXX XXXX XXXX program. Part of this new waiver stated the following : " If you have XXXX XXXX XXXX XXXX ( XXXX ) Program loans, Federal XXXX Loans, or other types of federal student loans that are not Direct Loans ( e.g., those from older loan programs, such as Federally Insured Student Loans [ FISL ] or National Defense Student Loans [ NDSL ] ), you must consolidate those loans into the Direct Loan program by XXXX XXXX, XXXX. '' ( XXXX XXXX XXXX ) In XXXX of XXXX, of my XXXX loans, XXXX of which were consolidated years previous when I switched loan servicers, were forgiven as a result of the waiver. 

However, I have since learned that had I consolidated all of my loans together, the highest payment count would have been applied and my entire debt would have been forgiven. 

As of today, XX/XX/XXXX, XXXX now has addressed this specific situation in the " Question and Answer '' section of their site. This information was not available in the fall and has been continually updated as the DOE and XXXX servicers continue to work through this process. The initial reference to their Q/A portion of the DOE website was first announced on XX/XX/XXXX ( reference attached ). 

Regardless, I and countless others were misled into thinking Direct loans did not need to be consolidated. This lack of clarity is on the DOE and student loan borrowers such as myself should not be a victim of it. 

*Attached are all of my records of emails and complaints filed with the DOE and FedLoan as well as their responses.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WY)

PayPal has held our Money multiple times starting from XXXX XXXX, 2022. Unfortunately do to this we have suffered financial hardship. We are indeed a new business PayPal holding our funds has negatively impacted our business.this past Thursday we spoke to XXXX a supervisor with PayPal. This supervisor lifted the restrictions after seeing that we had provided everything that was requested of us. Not even 3 days went by before another restriction was placed making it impossible for us to receive our funds. PayPal is very much aware of the nature of our business as we receive multiple payout from XXXX. We also have business coaching program and products we help get people started in XXXX as well. Our business has grown. It seems as if we are being punished for the growth. I just called in this morning and spoke with XXXX regarding the newest restriction. The case ID # XXXX XXXX XXXX we need access to our funds ASAP. Please make this right
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$930.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX XXXX XXXX XXXX {$760.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$1200.00} / XX/XX/XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2018
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (OH)

On XXXX, I contacted XXXX via online chat to resolve the inaccuracy of the final bill for service. I switched carriers in XXXX 2020 and have been overcharged ( double to be exact ) for the final XXXX bill. I have included a copy of the online chat showing the representative saying I was not charged a late fee and later in the chat he tells me I am being charged a late fee. I am not denying the debt however being charged an additional month/late fee seems to be unethical from XXXXXXXX. As a consumer, I don't understand how this company can overcharge their customers! XXXX keeps sending the debt to different collection agencies instead of correcting the bill by showing the CORRECT amount due. I can not freely give away hard earned money to a company who is purposely overcharging customers and will not be honest about charges incurred. The chat is attached for your review. Once again, XXXX has sent the debt to collections ( Source Receivable ) instead of correcting the bill.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I received a text and email alert that someone made a purchase ( Order # XXXX ) on my Macy 's credit card in the amount of {XXXX} on XX/XX/2022. The shipping address was addressed to : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX VA XXXX. 

I already resolved this issue with Macy 's and they are sending me a new Credit Card. 

Thank you. 
XXXX XXXX XXXX.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report. My XXXX XXXX account shows Equifax block receiving updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

LoanDepot has been my mortgage provider. I Have been making regular payments on my property but they claim the payments are not going through- they have published XXXX  XXXX on my account - The Banks confirmed that the money has been debited and i have sent screenshots to the Mortgage company showing the money was taken from my account- there is a problem in their system ( they dont admit it ) Pls help me out here since the mortgage company is threatening me with foreclosure
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — Store credit 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 (CA)

OnXX/XX/XXXX paypal paid XXXX to the wrong account. I immediately notified them but they refused to reverse the funds. They were paid for by a paypal credit account.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

I have made principle payments multiple times. Frequently, these payments have been applied to interest and future payments instead of principle. I have called repeatedly and have taken to writing PRINCIPLE on the payment slip and using highlighter pen so there ca n't be a mistake in the intent of the extra payment yet it is still not applied to the principle balance. Over and over again. The payment slip is not confusing, there is a box for Principle and this is what I use. This issue has occurred multiple times. My statements are misleading, showing very large interest payments - twice what they should be. This same mortgage company did n't pay my insurance and taxes from Escrow funds and refunded me the balance. I was the one who pointed out their error. This occurred XXXX consecutive years. I am so frustrated that I am refinancing so I do n't have to deal with them any long. Complete incompetence and repeatedly. This begs the question what else are they doing incorrectly that is n't so easy for me as a consumer to identify. Could my interest charges be inaccurate, could my balance be inaccurate ... ..
Consumer complaint received 2024-03-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

I received a {$10.00} google play gift card in XXXX. Card # XXXX The card PIN was damaged when scratching off due to poor workmanship. I contacted CFPB after google failed to replace the card. The balance was added to my google play account rather than just replacing the card as I'd preferred. Now about 18 months later, when I went to use it today the balance now has disappeared. In California, gift cards do not expire. Also this wasn't a promotional credit rather a purchased gift card. Due to all the headaches and failures on google play 's part, at this point I just want the {$10.00} refunded to me in the form of a check. Please mail the {$10.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (VA)

Every other morning approximately XXXX XXXX Penn Credit Corp ( on the callerID ) has a robocaller dial my house land line. I answered the first couple calls to silence. I have NO outstanding debt or reason to be in collection. The following week I let the caller go to VM, the caller refused to leave a message. I blocked the calls on my phone but they still auto-call every other day, including weekends and holidays to disturb my residence. I have researched the phone number on the ID ( XXXX ) and see that EVERY report is a serious complaint. Go to XXXX Penn credit!!
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I joined ebay on XXXX, 2018, and set up a paypal account. After numerous sales, paypal decided to close my account due to " risky sale ''. I was notified that my money, XXXX would be held for 180 days and then released to me. I received an email from paypal stating I could access this money but the account will not let me add bank account to transfer money and/or send the money to a family member. I have complained by email twice and received form type responses. I called on two occasions and they have told me that there is nothing they can do. I would like access to my account and money. Thank you for your time and consideration. 

XXXX XXXX.