davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (WA)

Synchrony bank the owner of my Amazon store card closed my credit card account without my authorization due to Synchrony 's failure to resubmit payment requests to my secure online bank account. They initially took the payment before I agreed with them on a time to take the payment. Three days later, when the payment was supposed to have been taken there would have been money in the personal bank account the credit card company was requesting the payment from. They tried to take the payment three more times before the scheduled payment date. As a result, my bank refused payment because the money was not yet in the account. Two weeks ago they closed the account and cancelled all services due to an issue caused by their attempting to take a scheduled payment too soon. I have explained to them, that if they want their money they will either have to send the balance to collections, or reopen my credit card account. I have cancelled all payment sources on this account until this bank error can be resolved by Synchrony bank. I will not pay them any more of the balance until they reopen my account, or send it to collections. I have suffered financial losses due to their failure to take the scheduled payment on time amounting to upwards of {$50.00} or more. I guarantee they will not get their money owed until this issue can be resolved on their end, or the account is forced to collections. I have made a good faith effort attempt to contact them, with my concerns to resolve this debt. If I do not hear from them in the next 48 hours with some possible negotiations on this balance, my previous statements made here will stand. If Amazon.com has any concerns about their credit card vendors, I am happy to speak with them, and to offer alternative vendor suggestions for synchrony bank. This is an unacceptable treatment of limited income customers by Synchrony bank, and may actually qualify as predatory lending. If this is the case then Synchrony Bank has violated federal law with regards to Predatory lending policies. Sincerely, XXXX XXXX
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (LA)

I receive repeated calls from Conns every one to two hours a day concerning my monthly payment. I only get paid on the XXXX and XXXX of the month, and have been carrying the load due to reduced income in my home. I have explained this to them numerous time, and yet they continue with rude and abusive questioning trying to get into my personal business. Stating that " my personal business is there business since I have their product ''. I gave them a definite day as to when I will pay them. Yet they have pushed me as far as having to get into further debt by applying for payday loans to stop their threats and harassment in the past, and I refuse to take out anymore loans. I understand that I have signed an agreement, and I intend to pay then XXXX XXXX for my XX/XX/XXXX payment, and will make my XX/XX/XXXX payment. My circumstances are strenuous, but I intend on making it work. I am currently a few days behind for my XX/XX/XXXX payment, and have stressed to them when I will pay. The harassment has gone too far. I have had it with them, and am filing this complaint.
Consumer complaint received 2023-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (UT)

National Recovery Agency contacted me XX/XX/XXXX via text message about this debt. Never received a written notice before or even after text message. I called spoke with someone asking how I could get it validated in XXXX that told me to respond to the letter. Letter never came so I received an email about the debt in XXXX. I replied to the email with the dispute letter that I had still with no reply. I disputed this debt with the credit bureau but I still haven't seen a validation to this date.
Consumer complaint received 2022-07-18
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. (TX)

I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (NY)

I called Affirm and asked them to send a statement of the account that they are demanding payment on, and Affirm refused to send me a statement. The first representative simply hung up on me. The second representative refused to provide any information at all. I asked him ( his name was XXXX XXXX to connect me to a supervisor. He connected me to a young woman named XXXX who I could barely understand as she spoke with a heavy accent and spoke very quickly. She explicitly refused to send me a statement in the mail, but said that she could send me the information in email. I asked her to please send that. I held on the line twice while she said she was preparing the email. She sent me an email that said " Please log in to your account '' and had a button to log in to the account. I told her truthfully that I can not log in to the account, and I told her that I needed a statement that would give me an account number, the original balance, the amounts paid thus far, and the remaining balance. She said that they do not use statements. She did describe a " loan letter '' and provided verbal information about this, but she refused to send the information in email, as well as refusing to send it in the US mail. I asked her where she was located and she said in XXXX XXXX. I asked her to transfer me to someone in the United States, because they would understand that the law requires them to send a statement. She told me that they do not have people in the United States. I read her a statement from their website that states they are located in the United States. I told her that I needed the phone number for their office in the United States because that person would understand that I am legally entitled to receive a statement from them, and she told me again that they " do not have anyone in the United States. '' She was willing to give me the information verbally, but not in any way in writing. I told her that I still need the information in writing and will be making a complaint. This conversation ended at XXXX XXXX Eastern Time on XXXX XXXX, 2024.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Alliance One, Inc. (WA)

I am filing a complaint against Alliance One for violating the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and I mailed certified letter requesting validation of debt owed on XXXX/XXXX/2015 to Alliance One Receivable Management Inc. I was unaware of the debt owed or which organization I owe the debt too until I checked my credit report. I informed Alliance One in writing that I was NOT requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. 
I asked Alliance One in writing to please provide a letter with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered AgentAlliance One Receivable Management Inc failed to validate the debt owed as I requested in writing, and this company responded with AllianceOne Receivable Management Inc generated bill statement of how much I owed. Under the Fair Credit Reporting Act, I have the right to ask for validation of debt. On XXXX/XXXX/15, my husband received XXXX County District Court XXXX XXXX XXXX court order garnishment letter against me filed by Alliance One Receivable Management Inc. Alliance One Receivable Management Inc. violated Fair Credit Reporting Act. I did not sign the certified letter.
Consumer complaint received 2022-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (LA)

On or about XX/XX/XXXX as a member of the Navy Federal Credit Union since XXXX. I applied for a loan and was denied. Being a 100 % service connected veteran, I thought I could always count on my credit union. I have had over {$5000.00} deposited into my account within the last three months. I am desperately trying to pay my bills off. But when I need help from the bank I entrust with my direct deposits every month for over 35 years and get DENIED, that seems so unfair. The credit union has trusted me on previous occasions to approve and pay back a loan, but they are NEVER there when times get rough. I have paid every loan that I have received and even increased my credit scores. This is a depressing move for a veteran with XXXX in need of financial assistance to stay sane. 

Blessings and Thank You, XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (NC)

I had a car loan with BMO. In XX/XX/2023 my car was in an accident and totaled and my insurance company ( XXXX ) sent payment to BMO to pay off the remainder of the vehicle loan. BMO closed my account but continued to deduct autopayments for 3 months following the payoff. I was able to reverse the XXXX payment with my bank. For 3 months I have contacted BMO multiple times to get a refund check. They claim that they mailed a check but that it was sent to the wrong address. They now want me to pay for notary to complete and indemnity form and pay to mail this form to them before they will submit my refund. I have faithfully paid my loan on time the past XXXX years, the loan was paid off and they BMO continued to draft money even after my account with them was closed ( by them ). I do not think it's right that I should spend the time and money for their mistake. I just want a refund check sent to me.
Consumer complaint received 2024-03-04
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: AMERICAN EXPRESS COMPANY (CA)

I made a XXXX XXXX refundable deposit back in XXXX with my American Express XXXX Due to numerous delays, I had decided to cancel my order on XXXX. Upon my cancellation, I noticed the refund never went back to my card. I made numerous attempts to reach out to American Express, they refused to help claiming the transaction is too old. The merchant claims they have issued a refund and won't help any further. I am now stuck and I am out {$100.00} I have attached my original transaction statement and cancellation confirmation for review. 

The merchant sent over some transaction ID claiming refund was issued on XXXX # XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MI)

Disputed a Discover file. Discover harassed user address, sent incorrect mail that did not validate debt of closed card. Moved closed credit card charge off day 2 years in advance from XXXX to XXXX as punishment for dispute.
Consumer complaint received 2020-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k.
Consumer complaint received 2024-03-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was in the process of purchasing a new car and I realized that I have damages on my credit report from this company. In accordance with the fair credit reporting at this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy ( 15USC 1681 ( section 604a section2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a loan account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-02
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (MD)

On XX/XX/2024 I got a text message stating that a transaction was possibly fraud. I replied back no to the text message. The text message stated that they will reach out to me via phone number to further discuss the transaction someone reached out to me disguising as a myWisely customer service agent they hacked my account Into my savings and they took {$2300.00}. I believe that its someone in the company because they had a lot of personal information after doing my research. This is something that is happening repeatedly with people who bank with my XXXX through ADP when I wrote them to try to get it reopened, they resolved the dispute in XXXX days with no proof, I truly believe that the company is corrupted and there should be a class law action suit
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc. (TX)

I filed out the online application on loancabin.com in late XX/XX/XXXX. I was contacted by a Loan Cabin rep the next day and was told that a loan originator ( XXXX? ) would contact me shortly. In early XXXX, XXXX informed me ( via telehpone ) that I was pre qualified and I would receive my pre qualified letter shortly. The loancabin.com site does not have any way to upload documents, nor did XXXX ask me for any documents. I have never heard back from XXXX. I called Loan Cabin a few days later to get XXXX 's contact info ( XXXX ) and emailed him on XX/XX/XXXX. Still no response. 

I called Loan Cabin on XX/XX/XXXX and spoke with XXXX (? ) to file a complaint. She stated that she would contact XXXX to obtain an update or would find me another loan originator to work with. I still haven't received a response from Loan Cabin. I called and left a message on XX/XX/XXXX. I emailed their complaint department ( XXXX ) on XX/XX/XXXX. 

Loan Cabin has pulled my credit report. I need my application to be cancelled and to have my credit report inquiry to be retracted/deleted. 

Today is XX/XX/XXXX ... I still haven't received any response from Loan Cabin. 

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Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lake City Credit (TX)

Approximately three to four months ago I began working with Lake City Credit and a representative who called himself XXXX. He tended to be pushy with me at times and would call while I was at work. Im asked kindly to return his call later that day and not no longer contact me during my work hours XXXX - XXXX. I ended up leaving work later than I anticipated that day and missed the window to reach him. He called me the next morning against my prior wishes and I had to ignore the call. But! He called me right back! Again I ignored it because I was at work. At that point I wasnt calling him back that day. Each day for the next couple weeks he would call me two times a day and if I ignored the call he would double dial me back. It was extremely stressful with all those calls during my work hours. So, I called him back after two weeks and told him I would set up an arrangement at a later time. On XX/XX/2020 XXXX contacted me yet again whilst I was at work. 
I then told him to cease calling my ok one and place me on the company Do Not Call list. He laughed and did not acknowledge me so I again stated I wanted to be on the do not call list and was aware my call was being monitored and recorded On XX/XX/2020 XXXX and Lake City contacted me again.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

In the month of XXXX I had two different transactions of a atm Withdrawal with out my knowledge I went on to dispute it with my bank. Even got a police report which states that it wasnt me in none of the videos taking money out of my account. With a newspaper article from my city. Which people are having. Trouble. With credit card fraud from the same place I used my card from. 4 month later Im still trying to get my money back from the bank which refuses to give me my money back chime bank is not very helpful every time I call I get the run around no direct answer from them
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (UT)

I had a rough time with PayPal credit card I thought it was free money and I assumed it was money I could use but I didnt realize that there are balances because Im XXXX and struggle to keep on bills I have a huge XXXX and disadvantage of handling my finances and couldnt get help with PayPal credit they wouldnt work with me on the bill it took months to get everything handled correctly I just couldnt believe I was turned down by PayPal they handled it very poorly I wish they could have given me a better understanding of things and PayPal credit doesnt wan na listen to what u have to say and dont care about your feelings I just want them to make this right
Consumer complaint received 2022-01-13
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. (PA)

I tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and removed.
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX  XXXX {$1100.00}
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX I sold an item on XXXX and on XX/XX/XXXX the payment was sent via Paypal. The item was photographed and sent on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX and signed for at the home. Then on XX/XX/XXXX the buyer said that " Bought this item as a gift. Finally giving it as a gift it was just removed from packaging and the connector beads fall apart separating the pendant from the necklace. '' WHICH WAS A LIE, BUT FORTUNATELY I'd taken a shipment photo and the case was closed by XXXX in my favor! NOW another 45 days have past and I get an email from Paypal ABOUT THE SAME TRANSACTION, but a different lie! This time it's the " pendant '' that is loose and falling off! MY PROBLEM WITH THIS IS THAT Paypal is pushed by XXXX for " ease '' of transactions and the Paypal Seller Protection covered " delivery of item '' and XXXX who offers " buyer protection '' takes care of " not as described '' item which I'd already endured. NOW Paypal is holding funds and requested THE SAME INFORMATION THAT HAS ALREADY BEEN INVESTIGATED BY XXXX! It doesn't matter if they are no longer co-companies or subsidiaries duplicate investigation should allow them to have a common site for transaction evidence so that money isn't held twice whilst some OBVIOUSLY LYING buyer plays games! There is a " duplication of services '' that is in conflict and XXXX and Paypal need to develop a common ground for their transactions to prevent SELLER ABUSE! I'm not sure if the buyer took the necklace apart to steal the gold beads or what. I do know that it was as shown and pictures were submitted to show that fact! In my Auction is was stated that the item was SOLD AS IS and not returnable. This morning I woke up and Paypal has told the buyer that they could sent the item back which is broken and that they can get a refund. The buyer requested all sorts of additional shipping ( insurance and signature ) as well. According to the " seller protection '' agreement that is attached I as the seller was protected so long as the " payment was authorized '' and " the item was sent '' which it was. My item was EXACTLY AS SHOWN AND DESCRIBED AND I SUBMITTED PICTURES TO XXXX PRIOR TO SHIPMENT. This was a final sale and the item is not mine, but this my claim since I listed, photographed and shipped it! I have attached pictures, showed where XXXX decided in my favor and the policies which say that Paypal has erroneously authorized a return. The contract is SOLD AS IS and this double jeopardy is not acceptable. The necklace had 14k beads and they purchaser could have broken the necklace to take them off or done any number of things to cause the breakage which are not the fault of the seller!