davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TN)

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I received a call today from a debt collector in regards to an account that is associated with my dental treatment back in XXXX of 2023. The information that was discussed with the debt collector company is associating me to an account that I do not recognize at all. The account is from the same company, XXXX and I did had an account with them associated with my medical treatment and that was paid off since XX/XX/2023. The account number that the debt collector has is not the same account number with the one I officially paid for. I did also found out that the email that is associated to this debt account is not mine and is not ever associated to me in anyway. I called the dental office to see if I still owe anything from them and so far they confirmed to me I have a {$0.00} balance and my email is not the same email that is associated to this debt account from the debt collector. I have evidence from XXXX that they kept charging after I officially paid off my account and I contacted them about the charges that was done after XX/XX/2023 and obviously they were not help and they informed me to call my bank to " take of the issue '' even though the payments are coming from them. So I made a dispute to my bank and changed my card and got refunded from the charges from XXXX.
Consumer complaint received 2016-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NJ)

I opened a Synchrony Bank/CareCredit account on XXXX XXXX, XXXX. The beginning balance on the account was {$5300.00}. I paid 11 payments on this account totaling {$2100.00}. Synchrony Bank/ Care Credit is not crediting my payments on my account correctly. My balance should be {$3100.00}. They have my balance at {$4500.00}, which is incorrect and not true. Synchrony Bank/CareCredit added this incorrect balance and negative items to my credit report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 'm disputing this and I want this removed from my credit report. I have been charged a {$35.00} fee, even if I was XXXX day, which I have paid. The minimum payment on this account was {$140.00} and was due on the XXXX of each month. My payments were on XXXX/XXXX/XXXX ( for {$200.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$170.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$330.00} XXXX, XXXX/XXXX/XXXX ( for {$180.00} ), and XXXX/XXXX/XXXX ( for {$370.00} ). Total payments made is XXXX. Synchrony Bank/Care Credit has been overcharging me and levying hidden charges through deceptive business practices. This is unacceptable and I 'm filing this complaint to report consumer fraud and deceptive business practices. I have proof of all my payments made on this account. My account number for this account is XXXX XXXX XXXX XXXX and it was opened on XX/XX/XXXX. Thank you for your time and any help would be greatly appreciated.
Consumer complaint received 2016-03-03
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (WA)

PayPal advertises that you can send money to anyone via e-mail, even if they do not have a PayPal account. I have used PayPal for many years for purchases and was very happy with their service. So I trusted this method of money transfer to my relative though I have never tried it before. On XXXX XXXX, 2016, I sent my Uncle in XXXX, {$2000.00} via my personal PayPal account as a gift. I sent it directly to his personal e-mail address : He accepted the transaction via his personal PayPal account. My relative then attempted to transfer the funds to his bank in XXXX, XXXX so he could access the funds. His XXXX account utilized a different e-mail address than his PayPal account and he was unable to make the transfer. He request help from PayPal and was advised that he needed to setup a business PayPal account, which he did ( although he has no business ). He was then able to transfer the funds from his personal PayPal account to his business PayPal account. He then attempted, again, to transfer the funds to his XXXX so he could access the money. But now is being denied access to the funds because the business PayPal account is frozen. This is because PayPal requires my relative to provide detailed business information needed to complete the business account, which he can not do, because he has no business! Thus, the {$2000.00} can not be accessed by anyone as long as PayPal has his business account frozen. Note that the only money in his business PayPal account is the {$2000.00} I sent him. The only reason for setting up the business account was due to problems with his personal PayPal account. When I tried to submit a dispute via PayPal resolution center, they stated that I had to contact the seller directly for a refund. With his account frozen for administrative reasons only, no one can touch the money. My relative would be very happy to send the money back to me, if only PayPal would let him. I have proof of the transaction from me to him and PayPal 's response to my complaint. My relative is stuck without recourse, I am stuck without recourse, PayPal will not allow either one of us to access my original {$2000.00}. Furthermore, the PayPal information provided to my Uncle was in XXXX, although he only speaks and reads XXXX. His XXXX is very minimal. Also, the PayPal account only provides a template for the American bank system of routing and account numbers. The XXXX banking system is completely different. In the process of trying to do a good deed, my Uncle and I have created a mess that has {$2000.00} stuck in a XXXX scenario. For the record, I sent my relative a second transfer of funds directly from Bank to Bank without difficulty. The only issue is how do I now retrieve the original PayPal amount.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is a followup to a previous complaint against TransUnion. TransUnion lied to CFPB that the deliberate erroneously reporting of XXXX XXXX ( XXXX ) on my credit report would be deleted. Account was due on XXXX XXXX, 2016, was reported as being 30-days late on XXXX XXXX, 2016, and verified as being true on XXXX XXXX, 2016 by TransUnion. TransUnion stated that the item would be deleted as according to Fair Credit Reporting Act. This was not done by TransUnion. Item was only updated and is still on credit report. This is unacceptable and a violation of federal law. Also, XXXX ( XXXX ) is in violation of Alabama law. According to Alabama usury law, this item is paid in full because a 400 % interest on an installment loan of {$2200.00} is unconscionable high. There is no waiver. Consumer is demanding this item be deleted immediately. Transunion and XXXX are deliberately violating the FCRA, and the remedy for this violation is a lawsuit with a monetary award. FCRA is clear and do not warrant an updated -- a deletion. This entry on my credit report speaks to the character of the company that consumers have to deal with -- taking advantage of the sick and poor. XXXX XXXX ( XXXX ) knows the scam it has.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OR)

On XXXX XXXX I lost my wallet at night. I had work following early in the morning, so I was going to wait to cancel all my cards and see If perhaps my wallet would show up. I got woken up at XXXX From a online Chase application alert stating that over {$4300.00} has been withdrawn from a " XXXX '' in XXXX XXXX, XXXX. I called Chase 24 hour support immediately and reported this as fraud and had them cancel my checking debit Card ASAP. They explained that this happens a lot and they will cover the fraudulent charges in 12 hours. Three days went by of me persistently calling with no valid answers but " We are in the process of disputing your claim ''. On the 4th day the funds were put back and I was at ease. Two weeks later, I received a letter in the mail from chase stating that On XX/XX/XXXX they will be taking out {$4300.00} from my checking account, and that the claim was researched and denied. I called Chase bank immediately, the reason for the denial was that I signed into my account at XXXX and then signed back out and there was about a 10 minute interval in between the time I checked my online bank account on the Iphone app until the time I called the Chase hotline. This is absurd! I used my Iphone to sign in because I received in alert, I mean this is XXXX of the reasons there is a mobile app RIGHT? Anyways, there is no way possible I will be able to cover this. I did some research and found out these funds were withdrawn from a casino in XXXX, XXXX. I am a XXXX year old XXXX living in XXXX and working hard to stay a float. On that note I am not even old enough to enter a casino, so how would I have done this transaction. XXXX, please help me handle this. Thank-You so much for reading my current situation. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BBVA FINANCIAL CORPORATION (NV)

On XXXX/XXXX/16 I applied online for the BBVA Compass XXXX XXXX XXXX XXXX. I was instantly approved with the Slam Dunk message. The following week I received a letter stating that my account was closed and that if I wanted to know the reason why to contact them. I called the number listed on the letter and spoke with a rep who told me that they thought my account was closed because they thought it was a fraudulent application. I told her it was n't a fraudulent application and asked if I could verify my info or what else could I do? I also asked why no one contacted me to verify my information. She said she did n't know and suggested I " check my reports '' I have monitoring with XXXX ( who they pulled ) and XXXX monitoring. I check my reports regularly and also am notified of any activity on any of my reports. I have lived at the same address and had the same phone number for over 5 years. I have never had any fraudulent activity on any of my reports. I have never had any fraudulent accounts opened in my name. I have never even froze my reports. There is no reason that it should have been considered fraudulent. She said that she could not help me with my questions and gave me the number for the " fraud '' dept. I called that number and it ended up being disputes. They told me the same thing as the first rep, and transferred me to the actual fraud dept who again told me the same as the first rep that they think it is a fraudulent application and to check my reports. I told him that I am me and it is not fraudulent, what can I do? He also could not give me any information and transferred me to a supervisor. The supervisor also could not help me and wanted to transfer me back to customer service ( where I started ). She put me on hold and then came back and said that customer service could not help me either. I have checked all XXXX credit reports and everything is correct. There is no fraudulent activity and all my info is correct and up to date. There are no discrepancies. BBVA Compass is becoming known for closing accounts without cause. They use " fraud '' as a reason but can not give any info. A quick google search shows this has happened to many people.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (TX)

I have a credit card account with Nordstrom Department Store. I made a payment in full on XXXX/XXXX/16 directly online from my checking account. The amount has been transferred to Nordstrom and my account reflects as of the XXXX/XXXX/16 to been paid and withdrawn fro my bank. Nordstrom reflects this when I view it online, but does not give me credit for it. I have called and spoke with the manager, XXXX XXXX in California and was told that the account was place on hold until XXXX/XXXX/16 due '' making sure the payment clears and due to my credit history on my credit bureau " ( of which I have never been late on any payment to anyone ever ). He quoted the terms and agreement, then admitted the payment had been received by ACH on XXXX/XXXX/16. I find the timeline to apply, reflect a XXXX balance and restore my credit line is unnecessarily to long and is hindering my ability as a consumer.
Consumer complaint received 2016-03-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (AZ)

This is my second CFPB complaint [ Case number : XXXX ] regarding United Security Financial Corp 's mismanagement of my VA mortagage and now it appears that funds may have been embezzled. My account is payed electronically every month by XXXX XXXX and has NEVER been late or missed. XXXX is their mortgage servicing agent ; and even though I have brought this to their attention directly, they have continued to harass me for early payments after the above referenced case was supposed to have been resolved. Now payments are being reported as " not made '' and balances are reported incorrectly in my statement. 

The Facts show clearly, that XXXX XXXX correctly transmitted payment on XXXX/XXXX/2016. United Security Financial Corp ( USFC ) issued a statement on XXXX/XXXX/2016 ( available on request ) showing no payment received ( or applied to my account ) and demanding a DOUBLE PAYMENT. No late fees were assessed by USFC and XXXX confirms that the payment was successfully made. My payment appears to be NOT being applied to my account intentionally ; ergo, embezzlement and/or mismanagement can not be ignored.
Consumer complaint received 2016-03-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (OH)

XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft. 
XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I dispute with Transunion and ask for specific information to help me settle my situations with creditors and they send me information that is computer generated. I need for them to check the information not get computer generated information, so I will be able to follow up on the dispute with the physical information they obtain. So I am attaching a letter to this complaint for Transunion, which is a request to investigate and provide me everything I need listed in the letter to help me settle my dispute.
Consumer complaint received 2016-03-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Monday XXXX XXXX, 2015 I received a Priority mail package sent through the US Postal System. Later that day I also received a text message informing me of the impending arrival of this package from a number I did not recognize. I have enclosed copies of these items as enclosures along with this letter. The package and the text message both referenced a secret shopper job. I did not remember applying for this particular job, and have never before applied for a secret shopper mission, so I was unaware of how this process works. The package contained a letter and XXXX USPS money orders, both in the amounts of {$910.00}. The day after I received it was the first day of the present academic quarter at my school and I am currently enrolled full-time. On my break between classes I had indented to consult with a representative inside of the XXXX XXXX branch of Bank of America . Coincidently, the bank was extremely busy, and since I needed to return for a class, I did not have time to make this deposit with a teller. Instead, I deposited XXXX of the XXXX money orders at the branch 's ATM. I held onto the second money order, and intended to take it to the branch the following day to review it with a teller. 
As I had personal expenses I needed to pay for that day, and assumed the money order would cover them. Returning home after class, I called Bank of America 's Customer Service line to inform them of this. Since I was unable to speak with a live representative, I set my alarm to call at XXXX XXXX the next day. According to my XXXX XXXX bill I called Bank of America at approximately XXXX AM on XXXX XXXX, 2015. The call lasted about 45 minutes and I spoke with XXXX representatives, XXXX from Bank of America and the other from a third party I was routed to by Bank of America who deal with money orders. During these phone calls I expressed concern about the deposit I had made informed the XXXX representatives that I the source of the money order was unknown to me, and that since it was a large amount I wanted the bank to be aware of this. As well, since the expenses I expected to pay with my account would have been taken from the recently deposited money order, I wanted to ensure that these would be covered. I value my Bank of America account, and wanted to ensure that what I 'd done was within reason. But I became increasingly worried about the validity of the deposit. Having reviewed my Bank of America Deposit Agreement, I understood it was my responsibility to inform the bank if I felt any suspicion about any deposits made into my account, so my call was intended to serve this purpose. 
After reviewing my rights under consumer finance laws and what to do after being a victim of fraud online, I decided to write this letter. As a former XXXX and XXXX veteran, I always intend to conduct myself responsibly, and value my relationship with Bank of America. I would not want to jeopardize this relationship.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Ss # XXXX DOB XXXX/XXXX/XXXX You still have not removed the account for XXXX that is affecting my good credit from my credit profile. 

I DEMAND that this account be removed from my credit profile!!!! All the account information is incorrect. Per the FCRA Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or Supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 


XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-03-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I was in mediation with Bank of America, already filed that complaint. Bank of America charged me {$200.00} and now an additional {$530.00} because for ten minutes of them telling me they would not help me or correct the records. They prey on the old and XXXX!