davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Technologies, LP (PA)

I did file a complaint # XXXX but will again. I clicked on an ad that read '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' on XX/XX/XXXX. It was explained to me to initiate the report I would have to submit a refundable {$1.00}. I did and received credit scores claiming to be from XXXX, XXXX and XXXX but no report. I thought this is free so scores are okay. I was looking on my bank account on XX/XX/XXXX a company named XXXX had withdrawn {$39.00} without my knowledge or consent. I immediately looked them up and found out they use many names but the parent company is One Technologies of XXXX, Texas. There are many complaints posted about how they have stolen from people by baiting and defrauding people. They were sued by the FTC and the states of Ohio and Illinois in XXXX. They had to refund {$22.00} XXXX dollars and are still continuing to profit by fraud. Today I called a number listed for them XXXX. No one was available leave a message. I did leaving my complaint, phone number and request for a refund. I called another number XXXX. A rep. named XXXX answered the phone for XXXX. I told him my compliant and requested a refund. I told him I don't have an account number because I never opened an account. He apologized many times be couldn't find my account under the email I had given and asked if I had another. I gave him it. He started talking about the humid weather that morning in XXXX. He talked about XXXX rain was the most recorded. How they were having floods. He was sorry about his voice it was from the mold and mildew. He told me how a bridge fell on a subway. I was silent while he talked. He wasn't engaging me so he then popped in " there is a note here '' that he had to ask his supervisor about please hold. Hold I did. I was not going to hang up. After some time he came back and said my account is being held at the corporate office, any further contact will have to be with them. I asked for a phone number. He said let me see and said that he did not have a phone number for them. He gave me the address, which I already had ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas,XXXX. I asked him what is their name? " XXXX is a product of XXXX XXXX XXXX ''. I will not have to contact them they will contact me. I asked approximately how long will I have to wait? He didn't answer but apologized for his reaction to mold and mildew. I then called CFPB and spoke to XXXX. I have some captures of the money they stole from me so he referred me to make a compliant online. I went to my inbox and found that XXXX had asked for my other email to send me a notice not to find my account. It was a cancellation notice as of XX/XX/XXXX for an account I never had! A confirmation number was included XXXX and a phone number to speak to one of their customer care professionals at XXXX. These people are flimflam thieves and need to be in jail.
Consumer complaint received 2015-10-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MA)

Please let me start with some past experiences that are my rationales for my complaints. I have experienced fraud several times since 2010 and now choose to pay most of my bills online and am still setting up a paperless system. My COMPLAINT : CareCredit/Synchrony Bank -- I was recently was told I was being connected to synchrony bank and was connected to the wrong bank from another account ( Amazon XXXX. They were asking my entire social security number and other things I felt uncomfortable with and that 's how I found out the phone call had connected me to the wrong bank which added more concerens for this complaint I will explain now : My problem : I am taking extra precautions so ... I have tried so many times to sign onto my CareCredit account to make payments to my bill and the site does not allow me to, it says it does n't recognize me. Long story short, after a few months of trying I finally called. I was told by synchrony bank I had a late payment so they " locked '' my online account ( causing me further late payments as I am unable to do this during the day so I have been up all hours late night with NO clue what is wrong ) I have NEVER heard of locking online access because a payment is late and insisting it be paid by phone. I do NOT feel comfortable paying by phone and I told them this sounded like a racket to incur more finance charges rather than " ALLOW '' a customer to pay their bills on time. I also mentioned to the rep/supervisor I was so upset by this, I may file a class action law suit because it was their fault I can not even access my own account online as I am unable to do this during normal business hours. He then removed those late charges but I can not see anything for sure to confirm this in my account because it 's locked! I do not want to pay by phone! I can not keep track of what I do by phone, mail/paper mess everywhere, and I have no proof etc., I have problems and have been scared with phony calls too many times by phone lately so I am insisting to to have access to my account but they are refusing unless I pay to catch up. I want to but NOT by phone. I can not afford to lose one more penny and I do n't want to use mail because again, I still can not see whats going on. ONline I can take a screen pic of what I am seeing.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2015-05-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have a loan with PenFed. 
I have paid off the loan. The loan company keeps charging Insurance cost, and refuses to properly refund. I am so sick and tired of this company. They have been a total nightmare to work with. If you look at their XXXX rating, you can see that have many negative reviews.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CA)

On XX/XX/2018 a payment was made to XXXX in the amount of XXXX. They received the payment from my XXXX XXXX account and now claim to have never received it. Leaving the debit on my credit report.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Submitted a " dispute request '' concerning XXXX XXXX XXXX XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). XXXX XXXX XXXX XXXX remains on my credit report.
Consumer complaint received 2018-08-20
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: CITIBANK, N.A. (OH)

On XX/XX/18 I called XXXX customer service number & asked if I had a payment due for XX/XX/XXXX since I never received a bill. I input my account number. 3 reps pulled my account info but refused to give me the information unless I gave them my social security number and date of birth. I was willing to provide my full name and full account number. The refused to provide me any information regarding my bill. My ssn number was not given to me so a XXXX rep could use to identify me. It was given to me for government benefits, nothing more. The manager XXXX agent # XXXX refused her last name yet wants my ssn.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2022, I received an email from PayPal that I was transferred {$70.00}. The email gave me the options of an " Instant Transfer '' for a fee of 1 % or a " Standard Transfer '' for a {$0.00} fee. 

When logged in to my PayPal account, PayPal did a bait-and-switch on fees. The " Instant Transfer '' fee is 1.5 % and the " Standard Transfer '' fee is {$0.00}. 

This is the second complaint on this matter. Back in XX/XX/2022, PayPal promised the CFPB to fix the issue. PayPal has not fixed the issue. 

The CFPB needs to inquire with PayPal on how many emails and communications go out to consumer showing a 1 % " Instant Transfer '' fee while charging 1.5 % on their website. This could amount to millions of extra dollars PayPal is receiving as a bait-and-switch tactic on consumers.
Consumer complaint received 2016-11-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I am selling my home with an FHA mortgage. I have never defaulted on the loan and, as far as I 'm aware, all MIP payments were submitted from my escrow account on time. The closing date for the loan is XXXX/XXXX/XXXX ; I have made the XXXX payment on my loan. The MIP asked for in the payoff docs were {$530.00} My MIP monthly amount is {$270.00} so it is not quite two monthly payments. I was confused by this amount so I called the loan services. When I spoke with a loan counselor she said I was to pay one month MIP in arrears to make up for not paying on the mortgage for the month after funding. One month made sense until I looked at the XXXX closing docs for the loan. In it, two months of MIP reserves were collected at closing. Now the entire amount seems unwarranted - in fact I may be owed one month 's worth of the premium. I called the HUD line for clarification and they did say the lender was not to be charging MIP on the interest in arrears. I called my loan servicing company and requested to speak with a supervisor ; was only able to leave a voicemail and that person has yet to return my call. 

In a separate issue, I 'm being asked to pay one more month of interest " in arrears ''. It is the regular current interest payment on my loan and this seems right but I wanted reassurance from you.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a collections on my report from XXXX XXXX. This collection has been paid in full and XXXX XXXX SAID they contacted the bureaus to delete from my file. And it is still there. I would like it removed immediately and my score to gain back the points that was taken from me for the collection.
Consumer complaint received 2016-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I GOT APROMOTION AND IT WAS A WEBSTER BANK BONUS OF XXXX OR XXXX DOLLARS DEPENDING ON WHICH REQUIREMENTS YOU COMPLETED AND COMPLIED WITH.EXHIBITS SHOW WHAT THEY WERE AND SIMPLY ONE HAD TO OPEN ANY TYPE OF CHECKING ACCOUNT AND EITHER HAVE A DIRECT DEPOSIT, HAVE XXXX DEBIT TRANSACTIONS, OR XXXX BILL PAY FOR XXXX.IF ONE WISHED YOU COULD HAVE A FULL SECOND AVERAGE MONTHLY DEPOSIT OF XXXX FOR XXXX XXXX CARD BONUS MAILED IN 4 TO 6 WEEKS AS THE WEBSTER BANK PROMO PAGE SHOWS AS AN EXHIBIT..OR FOR THE FULL SECOND MONTH HAVE AN AVERAGE BALANCE OF XXXX AND RECEIVE AS ABOVE XXXX BONUS IN THE SAME TIMETABLE. 
I, AS MY BANK STATEMENTS SHOW, MET ALL REQUIREMENTS FOR THE XXXX BONUS BUT NEVER RECEIVED IT.TO MY SUPRISE AND SHOCK I DID RECEIVE A XXXX INTEREST STATEMENT, AS WELL AS THE IRS GETTING A COPY, THAT I GOT OVER XXXX DOLLARS IN INTEREST.I NEVER RECEIVED THAT AMOUNT, PERIOD, AND IT IS TOTALY INCORRECT AND HAS TO BE REDONE.MY TOTAL INTEREST AS MY BANK STATEMENTS SHOW WAS XXXX CENTS, PERIOD.I HAD PROBLEMS OPENING THE ACCOUNT, NOT WITH THE FIRST PERSON I TALKED TO, BUT, THE CONFUSED SECOND PERSON, AND HE FINALLY APOLOGIZED AND HIS NAME AND A RECORD OF THE SITUATION AND WORDS IS INCLUDED IN AN EXHIBIT. I BEGAN BECOMING APPREHENSIVE AT THIS POINT, BUT WAITED TO SEE WHAT WOULD OCCUR AFTER I COMPLETED ALL REQUIREMENTS, FOR THE {$250.00} BONUS WHICH WAS DUE ON XX/XX/2016. THEY STATED IT WILL BE IN 4 TO 6 WEEKS .NEVER GOT ANYTHING AND CALLED AND WAS PROMISED AN EMAIL THEY SUPPOSEDLY SENT TO FIX THE PROBLEM AND NEVER GOT THAT EMAIL AS I REQUESTED OR ANY RESPONSE AT ALL.I THEN SENT ON WEBSTER SITE, AN EMAIL THAT IS AN EXHIBIT AND WAS CONFIRMED THEY GOT IT AND STILL HAVE NOT HEARD A SINGLE SOLITARY WORD OF ANYTHING TO DO WITH THE BELATED BONUS OR THE INCORRECT XXXX.
Consumer complaint received 2016-07-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (FL)

I had a XXXX Card with Barclay Bank, then encourage you to transfer funds from higher interest Credit Cards to the XXXX account, they will then cut your credit limit without informing you to make it look to the CRA 's like you are over using your credit. This has happened to me twice, on the second occasion I closed all accounts with Barclay.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (OK)

On XX/XX/XXXX I got an email from XXXX XXXX  saying there was a change in my report. So I went and looked and there was a hard inquire from synchrony bank for a paypal extra Mastercard and I didnt apply for any credit card. I called the bank to have them remove it and they wanted my ss number to do it so I didnt want to give it to them and they hong up on me.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Karma (CA)

This utility bill belongs to XXXX XXXX and XXXX XXXX. They are the people that were renting this house at XXXX XXXX XXXX XXXX XXXX Ca XXXX from me. I was living at a different address paying the utilities where i was living at the time at XXXX XXXX XXXX XXXX Ca XXXX. The renters were to have changed the bill into their names, please remove this from my report and go after the people that used the utilities. 

Thank you, XXXX XXXX
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OK)

Syncb/Walmart issued new cards with the new security chip through Mastercard instead of the store name card. When doing so, they created a new account with no credit history and reported these accounts to the credit agencies. This in turn caused a major drop in my credit score because they transferred the balance to the new account but not the 10 year payment history on the card. This is an unfair practice and they will NOT fix it. I spoke with syncb and the supervisor " XXXX '' who told me there is nothing that can be done about the problem. According to them, since this is a new account with the new company they report it that way. If they are allowed to move the balance, they should also be required to transfer the payment history as well.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have written documentation from XXXX University that account with them should not be reported as charge off and bad debt.. I sent that information to CFPB on XXXX/XXXX/2015 by mail to you, however I did n't put complaint number or mailing. If necessary I can resend information. Transunion can contact XXXX University directly or CFPB can contact XXXX University Financial Department. XXXX XXXX XXXX - Business Office/Financial Aid XXXX University XXXX XXXX XXXX. XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. Thank You
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

For the better part of the past year, we have been working with XXXX to resolve an issue related to an early termination fee and failure to return equipment due to a temporary move to California for work. We were advised by a XXXX customer representative in writing that this error should not have occurred, yet to date it continues to persist and we have received several phone calls and written notices attempting to collect on an unpaid amount totaling {$1000.00}. This amount was acknowledged in an email by a XXXX XXXX XXXX with XXXX as an error on their part and that we did not owe this amount to their company. They have sent this amount to collections ( via Convergent Outsourcing, Inc. Acct No. XXXX ) XXXX now and have failed to act on the agreement they have provided in writing to us. That agreement stated that they actually owed us {$140.00}, yet this has not been refunded accordingly. The XXXX case number referenced in this case is XXXX and through their debt collector as case number XXXX. We have records of over a year 's worth of telephone and email transactions stating that the XXXX 's did not owe the amount requested, yet as of XXXX XXXX, 2015 it still remains unresolved.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX, I purchased 2 {$100.00}. gift cards in the amount of {$200.00}. at XXXX XXXX  in XXXX, XXXX with my BJS credit card. When I received my credit statement, I noticed the amount and called to tell them that I had not made that purchase. They immediately told me that they would cancel my credit card and issue a new one. After 2 days I realized that I had actually made the purchase and called the company back to notify them that I had made a mistake but they had already sent the new card. I paid the amount which included the {$200.00} in full on XX/XX/XXXX. When I received my XXXX bill, they had transferred the {$200.00} to the new account,. so I paid it again. Then on XXXX when I received my bill .... it stated the the {$200.00} was paid. On the XXXX statement, they transferred this amount to the new card stating it was a " balance transfer ''. Since I have already paid this amount twice and have contacted the credit card company COMENITY BANK .nine times with my complaint but to no avail, I am turning to you for help because again they are telling me I owe them.this amount. I refuse to pay it a 3rd time. I have requested documentation from this bank supporting their claim which to this point have not sent me. PLEASE HELP!
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation (OR)

QUALITY LOAN SERVICE CORP of XXXX XXXX is a third party loan servicer who is illegally trying to foreclose on my home by scheduling auction sale on XXXX XXXX, XXXX. TS # XXXX XXXX. They are not representing any entity with a legal right to demand collection and sell the property. 
Trustees Deed XXXX/XXXX/XXXX XXXX Grantor/Grantee XXXX XXXX has been overturned by the court. 
The paragraphs bellow are from one of the documents I have attached. 
Trustee Sale No. XXXX Loan No. XXXX Title Order No. XXXX NOTICE OF RESCISSION OF TRUSTEE 'S DEED UPON SALE " On XXXX/XXXX/XXXX, at the property was purportedly sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
f/k/a The Bank of New York Trust Company, N.A., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX, being the highest bidder at such sale who bid the amount of {$430000.00}. 
5. The Trustee has been informed that the Trustee 's Sale in question was conducted through inadvertence and oversight. The Trustee 's sale of XXXX/XXXX/XXXX, as described above is null and void and of no force and effect. 
6. The express purpose for this Notice of Rescission is to return the priority and existence of all lien holders to the status quo ante that existed prior to the Trustee 's Sale. 
NOW, THEREFORE, THE UNDERSIGNED HEREBY RESCINDS THE TRUSTEE 'S SALE AND PURPORTED TRUSTEE 'S DEED UPON SALE AND HEREBY ADVISES ALL PERSONS, WHOMEVER AND WHATSOEVER LOCATED, THAT THE TRUSTEE 'S DEED UPON SALE DATED XXXX, FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. f/k/a XXXX., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX AND RECORDED XXXX AS INSTRUMENT NUMBER XXXX, OF OFFICIAL RECORDS OF XXXX XXXX XXXX IS HEREBY RESCINDED AND SHALL HAVE NO FURTHER FORCE OR EFFECT WHATSOEVER. 
Also, please see CFPB case # XXXX It is complain I filed against the previous third party servicer, which protected me from their illegal claim. This current situation is another attempt by XXXX XXXX XXXX to continue its criminal activity.
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

Having problems with suntrust bank. Made a deposit including a check and {$500.00} in cash, have the deposit receipt. The amount was credited to the account next day. Week later theyWithdrew the {$500.00} and Said i never made the {$500.00} cash deposit. Requested to see the XXXXThe bank told me it is only for their own use. I think they are trying to cover up their mistake. How do i get my money back?
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

The following accounts/items do not belong to me. Please delete immediately. 

Bankruptcy - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX  - this account doesn't belong to me Action Requested : Please Delete Please send me an updated copy of my credit report showing that these accounts are removed.