davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I have a XXXX Credit Card from Synchrony Bank. 
Am under the promotion of 0 % for XX/XX/24 months for some of my projects that would add upto over $ XXXX or around.since around XXXX XXXX 

Meanwhile, I also purchase from XXXX regularly products using this credit card with 5 % discounts. 

Since I do not like to be in debt, I keep overpaying by 'thousands ' than my regular minimum payment on the 0 % promotion AND also assuming that this payment would be applied towards my regular purchases. 

This FRAUDULENT bank charges me for late fees and interest fees saying those payment are for the promotion and NOT regular purchases. 

Since, I know this is Fraudulent activity by the Bank, am able to fight it out get the Interest/Fees waived off. 
But, am sure this bank is charging such fees to other customers and duping them with this fraud activity. 

This should NOT have happened to me and I shouldn't be fighting for an interest/late fees that I should not be paying in first case as am overpaying by thousands, not even hundreds. 

Every Bank that you overpay, first applies that amount towards regular charges and then promotions that has 0 % but this Synchrony bank is conducting malpractice to dupe it's customer and indirectly XXXX customers. 

Please conduct an investigation on this Bank and you may discover more such malpractices
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I was the victim of identity theft in early XXXX  A the end of XXXXXXXX XXXX, I contacted PenFed Credit Union upon receiving a card I did not apply for. Once they ack that it was fraud, they said they would close the account and contact the credit reporting agencies to make an update. I have received a mailed statement every month with a dollar amount shown. Every time I receive it I call PenFed and they assure me that the account is closed, but they can not tell me why I am still receiving the statements WITH A BALANCE. I have contacted PenFed no less than 10 times, and I have no actual way to 100 % confirm that they did in fact do what they said, and I feel they are not being forthcoming as to why I am still getting mail from them or why it shows a balance.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am requesting XXXX, Equifax, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under XXXX XXXX. XXXX ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX  XXXX AND XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On XX/XX/XXXX I mailed a debt validation letter to Fair Collections & Outsourcing , Inc . On XX/XX/XXXX Fair Collections & Outsourcing, Inc. mailed information they have on file regarding the account. The information Fair Collections & Outsourcing , Inc. provided contained TWO DIFFERENT SIGNATURES which they are claiming to be mine. It is clear that someone has forged my signature on a document they are using to attempt to validate the debt and collect with. I do not wish to impugn the integrity of any employee at Fair Collections & Outsourcing, Inc or the original creditor but someone has forged my signature on a contract. This unlawful act and collection tactic are unacceptable. I have attached pictures of the information Fair Collections & Outsourcing, Inc mailed me.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (TX)

I requested a {$36.00} payment to my dentist and attached the invoice. They are fusing to issue payment and are demanding an explanation of benefits from my insurance provider and that this is an IRS requirement. This is not a requirement from the IRS ( please reference IRS Publication 502 ).
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXXn> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
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: Experian Information Solutions 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 2021-08-11
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: Experian Information Solutions Inc. (OH)

This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : 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 XXXXXXXX
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I keep receiving a text message to call First Citizens Bank at XXXX because my debit card is closed. I dont have an account with First Citizens. Its spam and they wont stop texting my business number - XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

On XX/XX/2017. I received a call from XXXX XXXX explaining that their corporate office had noticed a few mistakes that were made when signing the lease. The errors that were in questions was the rent amount that was proposed on the day of lease signing and how it was going to change because of a employee mistake. The day of lease signing these errors should have been brought up not one employee was diligent enough to pay attention to the details and protocols that they were trained to do. This resulted in XXXX XXXX terminating our original lease agreement and recreating a new one under new terms and rental price. They asked us to sign multiple times WE NEVER SIGNED ANYTHING. The error they caused was due to an untrained employee who did not provide us the correct rental amount. They then told us if we did not resign the new lease that we would have to vacate the property in which we did on XX/XX/3017.
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (FL)

I have a PayPal account that is connected to a PayPal Prepaid Debit Card/XXXX account. To be able to use my PayPal account to get cash or to use at a physical store, I need to transfer the funds to my PayPal Prepaid Debit Card/XXXX 

Right now, I have {$630.00} in my Paypal account. I have been trying for the past week to transfer the funds from my PayPal account to my PayPal Prepaid Debit CardXXXX. 

I have done this many times, so I know how to do it correctly. I have not exceeded any of the transfer limitations. 

Nevertheless, when I try to transfer the funds, I get an error message that says, " There is a problem with this transfer. Try logging in to PayPal to see if money is waiting for you to accept it. If not, contact PayPal Customer Service. '' I contacted the PayPal Prepaid Debit Card/XXXX  company via their online message system. They said the problem was on the side of PayPal, not XXXX. 

I contacted PayPal via their online message system. PayPal did not respond.

I called PayPal. After a long time on the phone, PayPal said it was XXXX 's fault and transferred my call to XXXX without even corresponding with them what the problem was. 

Then I had to go over the problem all over again with a XXXX phone representative. 

Still, I can not access my own funds. PayPal and XXXX are using my funds while my child and I can not even buy food.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (MO)

This company ( Credit management LP ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Consumer complaint received 2020-05-07
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: JPMORGAN CHASE & CO. (DC)

I contacted JPMCB CARD SERVICES ( Chase Card Servcies ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with Covid19 and having to take care of many who are not working. Chase finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, CHASE reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that CHASE provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES Act, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.
Consumer complaint received 2020-09-21
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, I received a credit card offer from Chase for a Chase Freedom Unlimited credit card. The sign up bonus was advertised as : 1 ) {$200.00} statement credit after {$500.00} charged to the card in first three months, and 2 ) 5 % cash bank on groceries in the first 12 months up to {$12000.00}.

Chade has refused to honor this agreement. I contacted Chase credit card sustainer service in XXXX. They claimed to have sent me a letter on XX/XX/XXXX, this was never received. I am signed up for secured online messaging. In XXXX I contacted them for an update. They stayed at one point that a letter would never have been mailed to me, only email. They also stated that I needed to send them a copy of the email, I did this. I received a secured message on XX/XX/2020 stating that they would not honor the agreement. I have closed the credit card and want them to honor the agreement, {$200.00} statement credit to my checking account and credit for all cash back money earned.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I was paying for service to repair my credit once a month. Do to our last landlord lying about rent not paid and or late. Do to that we lost our belongings and the things that I was making payments on. I could not finish paying and they charged everything off. I had to pay extra money for me and my family to have a place to live. I was paying also for about XXXX year and XXXX months for credit repair to rent or own a home. It's been XXXX to XXXX years now and we are still homeless looking for assistance. We are currently checking out of a holtle now and to check in another one. With three days to move from our last house and no where to go we lost everything important to use. My mom is XXXX and my kids was XXXX  me a single parent.
Consumer complaint received 2021-04-27
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. (OH)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

Credence resource management is attempting to collect a debt on behalf of XXXX and has reported it to my credit Bureaus. This XXXX account is a fraudulent account that was opened under my name. I have had identity theft since 2015 and have had an extended fraud alert on all 3 of the credit bureaus.
Consumer complaint received 2021-03-26
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. (FL)

My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/year> I sent {$70.00} to someone. When they realized PayPal said they would receive the funds a week later, on XX/XX/year>, they told me to cancel it, and opted for an immediate form of payment, which turned out to be XXXX. I then went to the transaction, but its status was " completed '. There was no option to confirm or cancel the payment of {$70.00}. I then personally called and contacted PayPal but the phone machine said they are unable to refund, and the phone machine then told me to speak to the seller. Since I have already spoken to the seller, I went to the transaction and filed a complaint on the 'resolve a problem '' link. I filed a complain there but there was no confirmation that they received the complaint the estimated time they would get back to me was blank. Other than that the platform, PayPal, has not done anything to inform or entertain my filed report.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

Two loans through Navient doubled due to accrued interest. Went from XXXX to XXXX. I 've asked for a lower payment, but I do n't meet the income continent plans. They do n't take into account other students loans, house payment, car payment, etc. They are rude, unwilling to help, and should be held accountable for misleading practices concerning accrued interest.
Consumer complaint received 2020-10-21
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. (CA)

Duplicate trade lines was removed in error and upon explaining to Transunion. I was advise Credit report agency was unable to re-report due to companies policy on an authorized user account. In addition, because of the incorrect reporting error it has now impacted my consumer report and is not reporting accurately.
Consumer complaint received 2020-05-20
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. (NY)

I have submitted my FTC report for XXXX XXXX XXXX and XXXX XXXX XXXX, I am a victim of identity theft