davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (VT)

SYNCHRONY BANK offered to upgrade my Paypal Smart connect to a Paypal Extras Mastercard. According to all paperwork given, the new account would have all my account history transferred over. My old Paypal SC account has been closed on my credit report and a new account for the Mastercard open with a new account date of XXXX XXXX instead of XXXX XXXX. This has caused my credit score to drop as it looks like i have sought and received new credit when infact it is the same credit line as before but under a different product type. As such, this violated the Fair Credit Reporting Act, which requires the bank to report only accurate information. Stating that i have opened a new account, when in fact i have not. I could understand if i initiated the upgrade, however the bank did and not me.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

XXXX became NAVIENT, who then put chargeoffs on my credit report. This has brought my credit score below XXXX points. Furthermore, my loans are XXXX times less with out interest before the chargeoffs. So instead of owing $ XXXX, I owe $ XXXX with interest, in default, with chargeoffs. I did n't even get a degree, nor did I have a GPA that merited any type of funding, as, I failed out of school, immediately after I got these loans. Now I finally have the focus to do well in school, and I have even made the Deans list but I can not afford to finish school. I want them to take ff the chargeoffs whether I pay them or not. When XXXX could n't pay, they did a name change not a IRS administered chargeoff on their FEIN. Why should I have a chargeoff on my SSN?
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (WA)

On XXXX/XXXX/15 our Toys-R-Us credit card was stolen. A total of {$530.00} was fraudulently charged to our card. We were notified via email concerning this possible charge to our account by Toys-R-Us Credit card services ( Synchrony bank ). Although they notified us concerning the fraud via email, they have been less than helpful with resolving this charge on our account. Today was my XXXX phone call in to them ( XXXX ) and they advised me today that due to them not being able to verify my account, the investigation to remove these charges has not even started yet. They requested that I mail in documentation ( not fax, not email ) so that they can verify who I am. Meanwhile, my credit is impacted and I am accruing late charges for fraudulent expense. My other credit card companies resolved this issue within days. This is completely unacceptable.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX 2015, I signed up for a Frontier Credit Card. I was told that I would receive XXXX miles as a bonus for signing up for the card. They advised I could turn these into XXXX round trip flights. They advised on XXXX XXXX that I could just book the flight on my Frontier Credit Card, and when the miles where added they would issue a credit for the airline tickets. I have called for 2 months now and still do not have the miles into my account. They gave me a case number XXXX. I spoke to XXXX who stated she was a supervisor and she stated that it should have been credited. 
I believe that this a fraud. I was promised something and after paying a {$79.00} account fee the company refuses to give me the miles. 
My frequent flyer number is : XXXX. 
My credit card number is XXXX
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frost-Arnett Company (TX)

In XXXX 2015, I paid {$340.00} to remove an item I discovered on my credit report. It was my belief, at the time, that paying it was the only way I was able to get the tradeline removed from my credit report. The collection company told me the account belonged to me and I believed them. My sole reason for paying the debt was to remove the trade line. The company did not make me aware or offer an opportunity to request verification of the account they claimed I owed prior to paying it. Even though, I questioned the validity, I did n't know I could request verification of the debt - nor did they offer. I paid the amount the company stated I owed to remove the trade line, but the company did not remove the trade line as I had requested they do once they received my payment. Representatives of the company were very rude once they got my credit card number. After getting nowhere and becoming frustrated, I asked to be transferred to a manager. The manager was also rude and told me they would not remove the trade line and ultimately hung the phone up in my face.
Consumer complaint received 2016-10-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (VA)

On or about XXXX XXXX, 2016, I received a debt collection letter from Northland Group Inc. in the mail. [ Northland - XXXX XXXX XXXX XXXX, MN XXXX ] stating that I owe {$92.00}. Northland stated it was authorized to collect the debt on behalf of XXXX XXXX. I do business with XXXX and was unaware of an outstanding bill and certainly one that would be so far in arrears to be out boarded to a collection agency. Concerned as I always am about my GREAT credit rating [ that has taken me a lifetime to build and preserve, I called XXXX on XXXX XXXX and spoke to a XXXX XXXX. [ XXXX ] to inquire. XXXX told me I did not have a balance and XXXX had most certainly not referred my account/name to Northland. I 'm very concerned about Northland filing false information with a court to intentionally and fraudulently besmirch my credit and I 'm equally concerned for people that will fall prey to Northland 's intentional process to defraud consumers.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (WV)

I have two credit different card accounts that are managed by Synchrony Bank. Due to the likeness between them, I sent multiple payments to one ( overpayments creating a credit balance ) and underpaid the other ( creating seriously past due, and adverse reporting to credit bureaus ). Although I have obtained the refund from one account and paid the other, this human error has destroyed my credit scores and I am devastated about this. I am trying to find a means to, with the proper evidence/documentation, enter the information about what happened and how it was corrected, into the records of the creditors and the credit bureaus, so that it is clear that the issue was not a matter of failing to pay.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I have been the victim of ongoing ID theft and have a few fraud accounts and inquires reporting on my Equifax credit file. I have sent in a police report several times. The following items are fraud Equifax please needs to block and or remove these items. I can never access Equifax 's online dispute due the website always having issues. 
1.XXXX XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3.XXXX XXXX XXXX/XXXX/XXXX Please update my correct address to the following XXXX LA XXXX
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have sent Equifax XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Equifax is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Equifax along with a final certified receipt date XXXX/XXXX/2015.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CO)

I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2015 I filed a Identity Theft report with my local police department via instructions XXXX Complaint # XXXX. I have sent this information to Equifax XXXX, and XXXX XXXX. With a confirmation delivery Receipt on XXXX XXXX, 2015 Equifax has not blocked this damaging information. I filled a complaint with the XXXX also because this matter is urgent! XXXX XXXX XXXX of Equifax has investigated this matter as a dispute and determined that the account belonging to me. I have spoke with local authorities that said this investigation is still on going. I have been a victim of ID Theft and I should not be held responsible for a debt that I have not agreed to pay! Equifax continues to report inaccurate information which I am sure they are aware of the violations that they are committing by doing so.
Consumer complaint received 2017-01-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (SC)

I keep getting harassing emails and phone calls from a loan company. I attempted to pay them back several times but they will not send me any paperwork in the mail of how much I have paid or owe. The amount that they want me to pay is hundreds over what I borrowed. They threaten me with jail, court summons, and all kinds of legal actions.
Consumer complaint received 2015-09-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

I had a loan which was due XXXX XXXX. I spoke with a customer service agent at the XXXX XXXX, XXXX, Oregon store as I was n't going to make it in to the store to pay it on that day. The gal told me that it would automatically go to the bank as a debit card charge that night. I said that was fine. The amount never deducted from my account and when I called the following Tuesday, XXXX XXXX, the customer service person told me it was declined for insufficient funds from my bank. I promptly went in to my bank and confirmed the charge was never presented to the bank, and never declined. I brought a printout and the bank teller 's name and phone contact to the XXXX XXXX store, and the gal told me there is a {$20.00} charge on my account and that it is in collections,
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flagstar Bank, N.A. (IL)

XXXX XXXX XXXX, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, Flagstar Bank XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from XXXX. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?
Consumer complaint received 2016-03-10
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (VA)

I attempted to send money to a friend using Paypal. Paypal states that there will be no fee for this service of sending money from one person to another. In addition, I was provided with a receipt showing the amount that I sent and that my friend would receive the same amount with no fee. However, when my friend received the money, a fee had been deducted, even though this was not disclosed at any point in the transaction. I attempted to contact Paypal to resolve this issue but only received an automated response with cut & paste listing of their fee policy. This policy again stated that there was no fee for transferring money between people, in contradiction to the company 's behavior.
Consumer complaint received 2016-03-24
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NM)

Sold a car. Buyer deposited XXXX into my Paypal account then on delivery and acceptance deposited {$9500.00} on Sunday XXXX XXXX, 2016. On Monday at XXXX ; XXXX XXXX. I transfered the total, {$9900.00} to my bank account. Three days and six hours later nothing is transfered. My bank says " as soon as we have your transfer we will put it in your account normally XXXX to five days '' I asked why XXXX five days and my bank says they do n't know. Pay pal says the have sent the fund to the Federal Reserve where it will be processed and sent on to my bank normally XXXX to 5 days. I asked why XXXX to 5 days and Paypal says the do n't know probably a Federal Reserve policy. I ask why XXXX to 5 days when XXXX XXXX can do it in XXXX to 4 hours? I suggest that I should have suggested a XXXX Bus as it would be faster than XXXX to 5 days. Federal Reserve that they receive a " file '' of transfers from Paypal with instructions for the Federal Reserve to not release the funds for two days. 
Questions. Is Paypal making very short term loans like the overnight bank loans with my money? Why the two days at the Fed? The Fed says they process the transfers four times a day seven days a week. that is Paypal doing with the other two days?
Consumer complaint received 2016-02-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (IN)

I paid via Paypal a friend for a game currency but then I canceled since it went threw as an echeck then the cancellation said it was successful via Paypal but I check my debits card new posted balance and the {$23.00} is deducted which was the amount I canceled via Paypal.
Consumer complaint received 2016-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (TX)

this company is calling my work phone number daily. Have n't received anything in the mail within the required time frame of them calling me per FDCPA.They only call my work number and not my personal number. This needs to stop as my work number is for work purposes only.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

Scam Committed by PayPal I feel I was wrongly signed into PayPal 's Credit Service. This seems to be a delayed payment for 6 months I scammed into, when I could 've easily paid the entire {$150.00} transaction on XXXX XXXX, XXXX, paid through my debit card. That 's exactly what I thought, that I was paying through my debit card. Today, a male from PayPal collections called me, stating that I currently owe {$180.00} for non-payment. He said they 've been sending me correspondence on this. I did finally find ONE email, stating that payment was due. However, I felt I did n't need to read ANY of today 's many emails from PayPal, which were pretty much advertisements - I thought the transaction AND payment had been completed through my debit card last year. While I was talking, the collector tried to interrupt me several times, but I continued talking anyway, refusing to acknowledge his " collector '' tactics. I finally told him I 'd investigate my bank account and call them back. 

I called my bank ( XXXX XXXX, XXXX ), and sure enough, NO payment of {$150.00} was paid through my account on XXXX XXXX, XXXX. 

I called PayPal Collections ( XXXX ) back on XXXX XXXX, XXXX XXXX PST and spoke to a XXXX. I told her the same thing, that I was wrongly signed into PayPal credit. I told her that I only wish to pay her the {$150.00} transaction. She said, " We 're Collections, and I can give you a REDUCED late fee. '' I replied, " I never signed up for PayPal Credit. I 'd like to file a complaint with Consumer Financial Protection. '' She asked, " Do you want their address so you can write them? '' I replied, " No, I can file the complaint online. '' After that, the call went silent. I believe she put me on hold or mute.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (OH)

Ebay listing RE : XXXX clearly showed Paypal credit as a payment option. When I went to checkout the option was not there. I pressed the Paypal button and no Paypal Credit option. I pressed Paypal and was not transmitted to my Paypal account to select Paypal credit. Instead my bank account was illegally accessed and {$150.00} withdrawn by Paypal. This has happened before with Ebay where there was a glitch in their system. I contacted Paypal credit and was not able to resolve this with them. They insisted that the seller did not offer Paypal credit despite the fact that their listing clearly shows Paypal Credit. I notified them that I would be registering an attorney general complaint. If still not resolved we will seek legal counsel.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

I do not owe XXXX XXXX XXXX any money. Therefore I do not owe this IC collections company. We were NOT in a contract with XXXX for our Internet & TV we had switched to XXXX ( who is owned by XXXX anyway ) our service was terminated but XXXX kept billing us. We repeatedly tried to resolve this with XXXX. Now I find out they sold a debt I do n't even owe to a Collection agency.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (MI)

Some months ago, as I was going through PayPal signing up process, I was also enrolled in PayPal credit without my knowledge. I only recently found out about it. I never requested this line of credit. I am afraid it affected my credit score which most likely affected my mortgage rate from a recent house purchase. I do not want PayPal credit card. I have no use for it. I would like PayPal to correct their action, but I am afraid that getting rid of this line of credit will again hit my credit score. Who is now responsible for the additional interest rate that I will incur over the life of the mortgage?
Consumer complaint received 2015-05-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (CA)

I have been receiving calls for about 10 years from PENN CREDIT CORPORATION which attempts to collect a debt from someone other than me. I have informed them that the people they seek are not at this telephone number, but the calls persist. The calls were originally made by people, but now are automated. My telephone number is XXXX.
Consumer complaint received 2015-09-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (TN)

I borrowed a loan with XXXX XXXX. The paperwork came in the name of Cashcall. The was on a payment plan that never ended. The company charged so much interest. I called several times to make a lump sum payment, but was never able to get a call back. The next thing I knew a man from another company started calling me harassing me. This is after 2 years has past. I borrowed {$2500.00} and now they want me to pay back {$5700.00}. They are claiming they are gon na sue, and file charges. The person got upset when I stated I would have my attorney call him back.
Consumer complaint received 2015-04-09
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ACCESS GROUP INC. (CA)

XXXX is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from Access Group, which worked fine for me through XXXX school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone overseas ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on XXXX and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at XXXX are legal.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (CA)

Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites, twice via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. The company also sold the account to a collection agency AFTER the bankruptcy. This company and/or its representatives continued contacting me via personal and work phone long after being informed of bankruptcy. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the discharge date.