davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Perfection Collection (LA)

I paid a collection account, in XXXX of 2015, with XXXX that originated from XXXX Home Security. This debt was paid as a result of a settlement agreement between myself and XXXX. However, the problem today is that this same account, which has been paid, is now reporting on my credit report with Perfection Collection ( PC ). I contacted this company and spoke with a XXXX and explained to him that I had already paid this debt with XXXX. I was rudely told by XXXX they received ( purchased ) this debt approximately six months ago, the debt would remain if I did n't pay the debt, XXXX was a fraud and they would make sure this debt continued to report on my credit reports until it was paid. I have provided documentation to this company from XXXX, which reflects the same account number that they have, as well as, the same original creditor and the debt being settled, but PC refuses to remove this debt, despite the fact doing so violates my rights under the Fair Debt Credit Reporting Act.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank did NOT adequately remind me that my promotional " Zero Interest '' was nearing it 's completion. I set up and fully executed a {$300.00} am month automatic payment AND, here 's my mistake, EMAIL statements, trying to save a tree or XXXX. The combination of automatic payments, email 's whose only subject was " Your statement is ready '' and human nature, I missed the end of the promotional period. I originally borrowed {$9000.00}, paid it down to {$3600.00} and then they added MORE THAN I OWED in interest : {$3700.00}. I paid two more auto payments before I noticed on the statement that I owed something like {$6800.00}, which was a whole lot more than my Quicken account had on it. Two calls to the company provided no relief. 

It is true that they are within the provisions of the agreement. They won the game. I lost, and yet I feel liked I got XXXX. When I reviewed my email statements, the ONLY place in which they gave me what I presume to be the legally required notice regarding the pending end of the promotional period, was on the statements which I had to open online and were NOT distinguished in anyway. Apparently, the law does not force them to make the " end of promotional '' statement stand out. This company probably complied with the law but NOT any concern for making me aware of my pending XXXX. 
At the very least, I believe they should be legally obligated to announce the pending end of the promotional period IN THE SUBJECT LINE OF THE EMAIL. I believe the laws are inadequate in this regard. 

I have the money and will certainly pay it off and close the account, but I 'd sure like a response from someone about this before I do so. I also at least intend to call attorney 's I found online who stand ready to sue this company.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Conn's, Inc. (TX)

XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (VA)

Barclaycard has for the XXXX time offered by husband an increase in his credit line, while not offering one to me. We opened the accounts around the same time, carry similar balances, pay roughly the same monthly amounts, on the same day from the same bank account. We live at the same address, have mostly joint accounts, and have credit scores within about XXXX points of each other. Oh yes, and my husband earns $ XXXX per year, while I earn $ XXXX. The only marked difference between our accounts is that his is held my a man and mine a woman. I forgave the first instance of this in 2012 because they called it an oversight and promptly increased my limit above his. When I contacted them this time ( 1-called customer service, 2-sent email, 3-spoke to manager ) I was told I was " denied '' my request for an increase and lectured on my poor payment history. When I explained everything I stated above I was told that they do not take gender into account and it must be something else I have done. I am very disappointed and believe this company 's credit line policies should be reviewed at a national level to look for signs of gender bias.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank services my Amazon.com Prime Store Card. The primary feature of this credit card is you get a 5 % statement credit when you use the card. I have not gotten the credit, although the amount of it shows up on the statement. I have complained 2 times to Synchrony Bank and they have n't resolved this issue. The statement I receive clearly sets forth and promotes the 5 % cash back benefit, but it is not actually implemented. I have alerted Amazon about the bad service from its co-branded bank credit card but they send me back to the bank. This is fraud if intentional. I am certain most people do not monitor this closely as it is generally a small amount of money, but I am also sure people get this card for this benefit which they are n't actually receiving ( if others are similarly mistreated ).
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (TX)

I have a CareCredit Card through Synchrony Bank. It was brought to my attention by XXXX Credit Bureau by email on XXXX/XXXX/2016 that Synchrony Bank, without my knowledge or consent, reduced my line of credit from {$7500.00} to {$6000.00}. I called Synchrony and spoke with a manager as to why this reduction to my credit line happened. I was told by this manager that due to my card being inactive for a length of time ( one year approx. ), Synchrony saw fit to reduce my credit line to help prevent any fraudulent actions ... huh?! I explained that reducing my credit limit would not look good when it 's reported to the credit bureaus, but again was told this action would reduce any potential criminal activity. Which begs the question, if someone were to access my account in a fraudulent manner, what would be the difference between {$6000.00} and {$7500.00}? It would still be an unlawful attempt to pursue monetary gain through identity theft. I would very much appreciate any assistance from CFPB regarding this matter and what, if anything, can be done. Thank you.
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (GA)

I applied for a Barclaycard Wyndham Rewards VISA and, after being accepted, was made aware of a bonus offer of XXXX points awarded for purchases made. I called about the offer and was promised the XXXX bonus points for my activity on the card. I performed the required activity but was never awarded the bonus points. I repeatedly contacted the company about why the points were not awarded and they continued to tell me they would be awarded. Finally, after 3 months of repeated calling and being promised the points, the company then said they were not going to award the points. I asked why, but they would not tell me ; they just said I would not be awarded the bonus points.
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL (OK)

My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (TX)

I had made a payment to payoff my card online with PayPal Extras MasterCard. Later, I booked a hotel stay using the card XXXX XXXX. As we checked, we noticed one of our belongings were missing. We reported to front desk and they stated they would do an investigation but in the mean time they would refund our stay - in full. I thought my card was at a zero balance. XXXX day I received a late pay notice via XXXX. I was confused. I contacted the credit card company immediately. They stated the hotel charge was not reversed and I had a balance. I was reported 30+ late to the credit agencies for non-payment. I was not aware of any balance and have never been late ever. I have absolutely no late pays on my credit at all. PayPal said they would file a dispute to correct the issue and that I would need to speak with customer service to resolve payment issues. Call was dropped. I called today to resolve the issue and discuss the late payment and make whatever balance payment in full. They stated they could waive the late fee but would not send anything to the credit bureau as a correction. They stated they " could n't '', even if there was a mistake made. I was not happy with this resolution. They stated all I could do was dispute through XXXX or one of the other agencies. I filed a dispute today with XXXX and I am claiming that the 30+ day late on my credit is incorrect. I am asking that this get resolved as soon as possible. This is negatively impacting my credit.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (CA)

XXXX card was evidently discontinued and transitioned to Barclaycard XXXX. I received these notifications but declined the offer, did not respond and did not activate the BarclayCard. 

Unfortunately XXXX and BarclayCard took it upon themselves to open an account for me and pay a merchant, XXXX I had setup for an annual subscription with the XXXX card. 
My complaint is that I did not approve the transfer and opening of a XXXX account, did not approve that account ( with BarclayCard ) to pay anyone on my behalf. 
I have now had to spend my time ( time is $ ) to clean up this mess. Barclaycard sent me multitude of mailers that I promptly threw in the trash, again I DID NOT want to have their offered XXXX, and I made my choice by NOT accepting the offer. As I was unaware they had created an account and paid out on it, I ignored all mail from them and they continued to add charges and fees, and now want me to pay this vendor, that they chose to pay without my approval. 

My understanding of consumer credit is that an express permission/acceptance is required in order for a credit card company to actually open an account and accept/pay charges against it. When did it become legal to just transfer and open new accounts without my express permission? 
The merchant was XXXX I had setup some time ago, an annual subscription, and yes I had forgotten. However, it has been my experience that when I change cards/accounts or the card expires these merchants will contact me and ask for a new payment solution. This is what I expected when XXXX discontinued their card. I did not expect that some bank could just create a new account for me.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (AL)

Since XXXX of XXXX, I have paid my credit card statement the same way every billing cycle with no Late Fees but on XXXX XXXX, XXXX when I checked my account on line and found a Late Fee of {$25.00}, I called Synchrony Bank and they told me that the statement which was posted on XXXX XXXX, XXXX was due on XXXX XXXX, XXXX. I told the lady there was no way this could be true. It was posted on the XXXX, I paid it on the XXXX and it could not be due on the XXXX of the same month. I asked to speak to her supervisor and she told me the same thing. After all, they did remove the late fee. Things went on as normal until the following Monday which was XXXX/XXXX/XXXX. My statement for XXXX had been posted but I was charged a Service Charge of {$28.00}. I called Synchrony Bank again to find out what the charges were for and learned they were for purchases after XXXX/XXXX/XXXX which did n't make sense since I had paid the bill in full on the XXXX. This time I had spoken to a man which was very nice and I proceeded to tell him the things that had happened the previous Monday. He said he could transfer me to an Account Manager and maybe he could help me. I spoke with XXXX and told him everything that happened and he said that when I made the payment the same day as the statement was posted that it was applied to the previous month which caused me to have a Late Fee and service charges the next day for purchases. I had been a customer of Synchrony Bank since XXXX but had never been told that when payments were posted that I could not make a payment the same day otherwise it would be posted for the prior month. This is such an unfair practice and I had never been told that before so I proceeded to tell him that I would pay the balance in full and would close the account since I believed their " way of conducting business '' was wrong if not illegal. At this point I had accrued {$210.00} of rebate for XXXX. When I closed the account on XXXX/XXXX/XXXX, I was told that I would NOT be reimbursed the {$210.00} of accurued rebate. I told them that this is wrong and I do n't know how they can legally do that. The rebate was accrued in XXXX and had nothing to do with XXXX. I have been treated like a criminal when I was only a good customer from the time I became a customer of Synchrony Bank. I could not have been treated more unfairly. Someone needs to do something about this. I do believe this is illegal. I do n't know if this will affect my credit but I think if there is anything they can do to damage me they will do it. I do n't trust them else I would not have closed the account.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

On multiple occasions, we have asked Citibank NA to close various personal and business accounts. Citibank has assessed fees and penalties on these inactive account which we have repeatedly asked to be closed. Citibank has at times said that they are going to report our failure to pay their fees and penalties to credit reporting agencies. The account ending in XXXX is now showing " XXXX OverdraftFee {$34.00} overdrawn '' and " XXXX FeeServiceCharge {$25.00} overdrawn '' On XXXX XXXX, 2016, we sent this letter in response to XXXX XXXX 's instructions on how to have the account formally closed. 

" Citibank NA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, Branch Manager Dear Citibank : We have called your number, the general number and posted messages through the website to reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ), ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us. 
We just learned that the account for XXXX has a " hold '' on it and no one at Citibank can close the account except you. 
We no longer live or have offices near the branch. Please reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us as soon as possible. 
If we do not receive confirmation from you today or tomorrow that the accounts have been closed and checks are on their way to us, we will contact appropriate Federal and State authorities. 
All check can be mailed to this address ( which address has been provided to Citibank online and in prior email ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, President, XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( a XXXX ( c ) ( XXXX ) non-profit ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLPHR Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and related Savings # XXXX and Money Market # XXXX " Is there anything you can do to have these accounts closed and to end Citibank , NA 's persistent demands on us for matters that should not be occurring? 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: VW Credit, Inc (NJ)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - XXXX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting XXXX is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following :
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

On XX/XX/2022 I started dispute processes with XXXX, XXXX, and XXXX to dispute the XXXX open Fedloan Servicing accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with Fedloan Servicing who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called Fedloan Servicing in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. Fedloan Servicing has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to zero out the balances with Fedloan Servicing and closed the accounts. XXXX has failed to correct my credit report because Fedloan Servicing is reporting to them that I still have a balance with them and that the account is still open, this is false, although my Fedloan Servicing website dashboard shows loan balance as {$0.00}, Fedloan Servicing is still reporting inaccurate information as if my student loans are still held by them and their not.
Consumer complaint received 2023-02-01
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. (MA)

DEAR XXXX XXXX XXXX FOR MY LEASE : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2022 FOR 30 DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/22, my friend sent me repayment for a vacation we were taking together for {$290.00} on Venmo. That {$290.00} was deposited from Venmo to my bank account on XX/XX/22. On XX/XX/22, I received an email that the transaction between us had been marked as fraudulent, and as such, Venmo would hold the funds and withdraw them from my account while they investigate the dispute. My friend confirmed her bank account was hacked and this was marked as fraudulent, and she was dealing with Venmo and her bank. I emailed Venmo on XX/XX/22 with screenshots of the agreed upon amount between us and confirmation that the amount had already been deposited in my account. They responded to me that this process could take up to 75 days and I couldnt do anything. In the meantime, I received a payment from someone else for {$150.00} on Venmo for something completely unrelated and Venmo took that amount to help repay the {$290.00} they had over drafted my account. My account is frozen and the only way to unfreeze it is to pay {$140.00} that I do not owe anyone. 

The bank determined my friend was hacked, Venmo helped her re-open her account. I was not hacked and the payments between my friend and I have been solved. Theres no outstanding balance between my friend and I, however Venmo keeps telling me the only solution is to get repayment from my friend. They also have not sent her any money. If she sends me money, which she doesnt owe me, Venmo will take {$140.00} of it so Im still not receiving the full amount either way. Venmo will not respond to me and every response is to only do transactions with people I know and trust. I cant close my account because of the balance I owe. As of now, I want the {$150.00} Im owed returned back to me and to have my account closed. Im at a loss as to how to progress this.