davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (FL)

I took out a personal loan with Lending Club and my payment is due the XXXX of every month. Lending Club sets up your monthly payment to be auto drafted from your bank account which I opted out of as it is my right. My plan has been to make a payment every XXXX weeks of {$1500.00} which exceeds my minimum required payment by almost XXXX. In this case, I made online payments of {$1500.00} on XXXX, debited XXXX, and XXXX debited XXXX, and according to Lending Club, I still owe a payment of {$870.00}. 

After discussing the matter with Lending Club directly, I 've been informed that the only way to ensure a payment is correctly drafted is to call on the payment due date, or to mail a check which is subject to a {$7.00} processing fee. If I do not do it this way, my additional payments will be held up until I call in to make my original monthly payment. At then end of 30 days past my due date, I was told my loan will be marked delinquent, the credit bureaus will be notified, and my account will be sent to collections. At this point, I will have paid {$7500.00} towards my loan to which Lending Club will state that I owe {$1700.00}.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Cash advance fee — 
Company: BARCLAYS BANK DELAWARE (NC)

My credit card company charged me the same fee for a cash advance XXXX times and refuses to credit the amount involved. They are charging me interest despite the fact that I have put the amounts in dispute. 
I have written letters, complained on their website and called many times without getting resolution.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (SC)

Old Navy Credit Card has been charging a monthly minimum payment lets say of {$50.00} per month. Over the past year of payments of making no less than the minimum amount owed the balance for cash advances has increased {$37.00}. A portion of my minimum payment each month comes from these cash advances ( lets say {$8.00} ) and when making the minimum monthly payment only ( {$3.00} ) is being applied to that balance, hence the increase in the balance. This includes instances in which I have paid more than the minimum monthly payment on the account.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with citibank. XXXX, XXXX works with " XXXX '' Law group as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CA)

I opened a Care Credit account for my XXXX with Synchrony Bank a year ago with 0 % for a year. 
Last week when I was going to pay off the balance, noticed a charged of {$80.00} on the statement, I questioned it and found out it is protection or insurance plan, which was monthly added to my account. 
I never requested and authorized such a insurance and without my permission added to my card. I was charged {$1100.00} for past year of the insurance protection, which are going to pay me back. But this kind of none sense have to stop, I found out by accident about it and XXXX know how many people are being subjected to this kind of fraud and are unaware of it.
Consumer complaint received 2015-11-19
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (CA)

Found tow trailer on XXXX. Contacted seller and they informed me that they were out of town and that we should use eBay. I agreed and she set up an account on eBay. eBay sent me an invoice and instructions to by PayPal My Cash gift cards and email them the PIN numbers and they would hold the money until I instructed them to release it and that I had inspected and accepted the trailer. I followed their instructions and once I gave them the PIN numbers eBay XXXX sent me a email that they had received the money. I tried to communicate with the seller but never got any response. I started investigating and have filed a dispute with PayPal and a Police report with the XXXX Ca. Police Dept. Case number is XXXX. PayPal My Cash dispute number is XXXX
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NC)

I filed a complaint ( Case # XXXX ) against American Education Services last year for not working with me on my private student loans. Now I 'm in an even worse position due to the same problem. XXXX of my loans have gone into default. This company is terrible at coming up with a solution for account holders to pay. I 've called several times and been dismissed by customer service reps and supervisors saying there 's nothing they can do. They forwarded my accounts to a collection agency ( XXXX ) that lied to me on three occasions saying that if I made a {$500.00} payment that they could negotiate a lower rate for me. Never happened! I am about to be a mother in XXXX and my employer brought the loan default to my attention. I 'm in a position where my loans can be garnished. I 'm disgusted with this company and in need of a resolution. I ca n't even refinance my loans due to these companies destroying my credit score.
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC (WV)

DearStaff XXXX XXXX Dispute Adverse account. Civil suit dismissed XX/XX/XXXX. Deny outstanding debt. This Adverse account is affecting my eligibility for senior/elderly low income apartment. Appreciate your attention and service. Thank you.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (MD)

Two years ago I fell behind on my mortgage when I had XXXX deaths in my family with life insurance. I was the main go to to person and had to come up with a lot on money to help with the burial. During this time I lost a lot of hours also. As a result I lost income and frrl behind on my mortgage.I have tried to do some sort of modification or re-pay plan with the Bank but they tell me that they will not do anything but rather foreclose my house. They have scheduled foreclosure.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (MD)

Sometime in XXXX I applied for a Barclay XXXX XXXX card. For some reason I was initially declined, which was very confusing to me because I had never been denied credit so I called them. They explained that for some reason a credit check was never made and the CSR pulled my credit ( after asking my permission ) and approved me for the credit card. This was around XXXX XXXX. I received my card and put some expenses on it. This card had a signup bonus and I nearly reached the spending threshold with this first bill. Then, for a reason that BARCLAY REFUSES TO EXPLAIN, they cancelled my card. Noone will explain why my card was shut down but I believe this was because it was an easy way to save them the {$440.00} signup bonus ( which they claim I 've forfeited because they 've shut me down. ) This is total XXXX. While I understand that they have the right to choose who they allow to have their card, they have no right to bait me to sign up for credit ( causing an inquiry on my credit report ) only to immediately shut me down without explanation and to seize my points. These points are as good as cash so I view this as they stole from me!
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CT)

I applied for a Walmart credit card back in XXXX of 2016. On XXXX XXXX I received my card and went to view my account and register my card. I found my card has been used and I have no available credit. I called and reported fraud and they told me they ca n't do anything for 60 days. I said your telling me I just received my new card and because somebody already used it I ca n't use my card. They said yes, you have to wait the 60 days.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (NC)

I was offered a XXXX ( now XXXX XXXX XXXX card in about XXXX with 0 % interest and {$4000.00} credit line while flying back from seeing my granddaughter in DC. This was heavily pushed by flight attendants. I applied and used it judiciously. Since that time they have raised the card from the introductory rate of 0 % to {$24.00} ( Variable ) reducing my limit without notifying me, and are charging an impossible {$68.00}. monthly interest. They reduced my limit in XXXX and charged me an over limit fee when I did'nt know it was reduced. I HAVE NEVER BEEN LATE ON PAYING THIS ACCOUNT. I have paid large payments on more than XXXX occasion. This credit practice creates the kind of consumer cycle of debt which nobody can get out of and occurs after a " bait and switch ' marketing approach. I am a senior, self supporting, work fulltime and pay bills on time. This is exactly the kind of credit practice XXXX can help intervene on. THANK YOU
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (ID)

I leased a vehicle on XX/XX/XXXX for 3 years on XX/XX/XXXX2023 I traded the vehicle in prior to end of lease. The dealership I purchased the new vehicle from sent the pay off check which was recieved by ALLY XXXX on XX/XX/XXXX in the amount of {$49000.00}. 

On Monday XX/XX/XXXX I noticed ALLY had recieved the check via their app and contacted them thru mobile chat and spoke with XXXX asking why my account showed I still had a payment due XX/XX/XXXX. I was told I had to get the dealership involved and they would provide me little to no information. In the several attempts the dealership contacted ALLY they have been given the run around. 

The dealership was told the week of XX/XX/XXXX to give it 3 to 5 business days for the payment to process. 

I then contacted ALLY customer service on XX/XX/XXXX and they advised me they had the check and not to pay the payment due on XX/XX/XXXX. 

On XX/XX/XXXX the dealership again contacted ALLY ( as now my account is showing I am past due on my payment ) ALLY advised the dealership they had not recieved a form that I had sighed on XX/XX/XXXX and stated they aren't processing the payment due to this form being missing. A month after the deal was done they had not attempted to reach out to me or the dealership in an attempt to get this form.
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Carmen V. Porreca, P.C. (GA)

When contacted by Carmen V. Porreca P.C. on XXXX XXXX, 2016, my husband who is an authorized third party was advised not to send in a letter disputing the charges when he stated I wanted to dispute it. He was advised if we wanted to dispute the charges we should allow for the charges to go to court and wait to be served by a sheriff. I never received any notice or anything advising I have the right to dispute the debt. 
When contacted by XXXX from Carmen V. Porreca P.C. on XXXX XXXX, 2016 I told her that I had received letters from law firms advising my check was to be garnished to due this debt. She told me that it was not true and that it 's just what they do as they are like ambulance chasers. She said I am worrying for nothing. As the call progressed she refused to let me speak to a supervisor and when asked if calls are recorded she stated '' Yes and they will see how mean you are ''. When I still pressed for her supervisor she hung up. I called back and she answered. After continuing to ask for her supervisor 's information she finally gave the name of XXXX XXXX and advised she was not sure when she would came in but she would call me when she does. No call was ever received. I told her I would like the bills and I will try to look into them with an attorney she advised it would not matter it wo n't stop them from collecting.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MA)

In XXXX of XXXX I disputed many items on my credit report. I had no idea of how that action would negatively affect applying for a mortgage. In XXXX of XXXX, I contacted all the credit card agencies and had the dispute comments removed. I even have copies from XXXX and XXXX that the disputes have been removed from Equifax, XXXX and XXXX. 
The disputes showed up again as unresolved two days ago in my credit reports. I was told by Equifax and the others the only way to get rid of these, was to open up a dispute. This is crazy. 
My XXXX account was XXXX. Received a letter in XXXX stating disputes were removed and resolved. They had shown up as being resolved ansd disputes removed up until 2 days ago!! 
My XXXX card ending in XXXX had the dispute removed and resolved in XXXX. It was removed in all of the credit reports. I have a letter from XXXX showing disputes removed and resolved. Now they are showing up again as open disputes on my credit reports. 
Also my other XXXX card that has been closed for many years is showing up as an open dispute. Please help. This is holding up my mortgage loan. 

Thank you. XXXX
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (OR)

I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I have submitted police reports in XXXX XXXX XXXX and XXXXPrecinct XXXX XXXX XXXX where the perpetrator lives. 

As a member of Paypal who does all my processing, I was assured protection from illegal charge backs. However PayPal have lost 4 times including XXXX XXXX by XXXX XXXX XXXX that were done under PayPal seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which Paypal states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to Paypal prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by Paypal - PayPal now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to Paypal. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also Paypal refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws of XXXX. Clearly evasive action by Paypal not to honor their commitments. The internet is full of cases where Paypal routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's XXXX whom all state Paypal is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom Paypal advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus PayPal fees. 

I need help. Paypal is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by Paypal. Please contact me for any additional information. I have also filed with the FBI.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XX/XX/XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which they ust placed on my credit reports it took my score down  XXXX  points. Mind you NAVIENT was suppose to pay off EVERYTHING so how did a  XXXX  slip thru the cracks How are they allowed to keep   XXXX   my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a  XX/XX/XXXX  really. I called  Navient  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY   XXXX   XXXX  , and I am paying for it
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (TX)

I have a PayPal Credit Card. It has always been set up on automatic payments. This month, I just happened to pull up my statement and noticed it was past due and I was being charged a {$25.00} late fee. I contacted PayPal Credit customer service and was advised that automatic payments are only set up for a year and will drop after that time period. They advised that my auto payments must then be set up again. At no time was I ever notified that my credit card auto payment had been discontinued. Nor was this plainly stated at the time that I set it up on auto-pay. I feel very strongly that this is a deceptive practice and an attempt to get more money out of consumers. This is just wrong on so many levels and I wish to file an official complaint.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (IL)

I have a PayPal Credit account with a payment due date on the XXXX of each month.  A few years back, I called to ask them to move the due date to the last day of each month as that is a payday for me.  I was told not to worry about it, and that as long as my payment was made on the last day of the month, I would not be charged a late fee.  I logged in this morning to find out why my balance hasn't gone down much lately and I find that I've been charged XXXX late fees, totaling $XXXX, in the last 2.5 years.  I called customer service this morning to try to alleviate the problem and was told that they would only waive XXXX fees, unless I could tell them the exact date in which I spoke to the representative who informed me not to worry about the payment due date.  I obviously could not come up with the exact date from a few years ago.  There is no way that I would logically be OK with paying a late fee almost every month and not do anything about it.
Consumer complaint received 2016-10-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NY)

Paypal withdraw {$410.00} in XXXX XXXX 2016 to pay for a computer that have purchase in Ebay but here is the problem ... computer was bad so i return the computer back to the seller so the seller suppose to send me a refund but intead the seller send the computer back to me again but i do n't want it so i send it back to the seller the second time for a refund ... now the seller got the computer back again but this time the seller have my money and my computer and i have nothing ... so i complaint to PayPal and they told me that there is nothing they can do about it ... so i losing {$410.00} plus the computer ... paypal is the only one that have access to the seller account and can get my money back ... in another word the took the money from me and the have to put it back in my account ... ( note : Paypal have the tracking number of proof seller receiving the computer back )
Consumer complaint received 2016-06-12
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

Paypal has limited my account and would not allow me to access my OWN money for 180 days. All I did was transfer {$800.00} to my other account and they decided to do this to me. I no longer wish to use Paypal and would just like my money back.
Consumer complaint received 2016-12-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (WA)

I used Paypal Inc. to pay a mover who helped me with a heavy couch a month ago. Unfortunately, the mover damaged the couch and we agreed that he would pay me {$300.00} in damages. I, by accident, sent him {$300.00} instead of requesting it on Paypal. I called Paypal and asked them to stop the payment, and they said I could do so by stopping it with my bank. I called my bank and put a stop order which worked. Then 2 weeks later, I received a payment from XXXX from tickets I sold in the amount of {$470.00}. I saw that only XXXX was deposited into my paypal account. Paypal stole {$300.00} from this unrelated transaction to send to this mover, after they told me that it would not go thru as long as I put a hold on my bank account. This mover, I have spoken with him, and he has XXXX dollars held by paypal currently and therefore is in no financial position to pay me back. I also do n't know him and would n't trust that he would pay me back. Please help me resolve this situation. Thank you.