davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank is adding late charges, penalties and interest to my regular monthly payments being made on my RoomsToGo account even though my payments are getting to them 8 to 10 days before the due date. I can not get them to budge on this. I asked to speak with a supervisor and was told the supervisor is unavailable. I asked to have the supervisor call me when available they indicated that is not possible.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Integrity Solution Services, Inc. (CO)

My husband and I relocated to XXXX from XXXX in 2013. We lived in an apartment while we were house hunting. Our apartment lease was up in XXXX 2013 and we signed a home lease to begin XXXX 2013. We moved out of our apartment XX/XX/XXXX and returned our XXXX XXXX 'box ' to the local center. We both walked in and handed it to the XXXX XXXX employee. We asked if there was anything else we needed to do to cancel services, and he said, " Nope, you are good. '' We forwarded our address to our new home, and almost two years later, my husband received a call from a debt collector stating that we owed {$100.00} because the box was never returned ( we canceled our service and switched to XXXX when we moved ) -- and accused us of " stealing '' the box. He argued with the debt collector and insisted we had done this, but since the debt was so low, he agreed to pay the {$100.00} immediately because we are looking to buy a home and have been aggressively protecting our credit. We are now going through the loan process to buy a home, and our banker said that the XXXX XXXX credit hit knocked our score down XXXX points and we will not qualify for our home loan. Our banker has encouraged us to go back to XXXX XXXX and argue this " debt '' ( which we paid the first time we received a phone call ). After talking to XXXX customer service agents yesterday, they have " no record '' of our account and can not help us. It seems absurd to me that a company can literally ruin a family 's credit without any proof of our wrongdoing. Again, the " debt '' was {$100.00} and we would have paid six times that amount to keep our credit history in tact. Now, we are faced with not being able to buy a home for our family of XXXX. Please advise. This should be illegal!
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC. (NJ)

Good afternoon, Today I received repeated calls on my landline and the phone is not even registered to my name. I noticed it was an ( XXXX ) number so I figured it was not important. I decided to pick up on the 4th time and they asked for me by name. I lied and asked to take a message. The person on the other end of the phone said it was medical information that could only be discussed with the person they were trying to reach and asked me to note the callback number. I looked it up and it was Midland Credit Management ( XXXX ) XXXX and in researching them, it appears they have a history of illegal and/or unethical practices. Can you explain my rights and how to handle this situation? Thanks!
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC (MT)

I have been on another account since XX/XX/XXXX and would like to know where this overdue amount came from. I have not had a XXXX account in my name since XX/XX/XXXX.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (CA)

I had an account with Old Navy, account # XXXX, that account was charged off and sold to XXXX account # XXXX that is reporting the account with a different creditor GE Money, this is a double jeopardy, double damage for my credit report because it appears that I have XXXX different accounts with different creditors. I called XXXX and they did not even give me the option to dispute it. I already have a complaint XXXX, is under investigation but they have not responded yet and is more than one month. XXXX the accounts has to be removed.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

On XXXX/XXXX/2015, I increased the amount of my automatic monthly mortgage payment by {$100.00} to pay off my mortgage faster. I received an email indicating that my auto debit payment date has been changed ( which I did not change online ) so I called to inquire. I spoke to XXXX. She assured me ( multiple times on a recorded line ) that my payment automatic deduction would occur on the XXXX of every month as it had for the past several months. On XXXX/XXXX/15, Roundpoint deducted my mortgage payment from my bank account. I called and spoke to XXXX ( XXXX ) and he assured me that the money would be returned the same day. XXXX called back moments later asking for my bank account number and routing number which Roundpoint obviously has since they have been deducting my monthly mortgage payments. I was uncomfortable providing this information to XXXX and he refused to process the refund. I asked to speak to his supervisor. After a 45 min wait, XXXX finally got on the line. She could not explain why 1 ) XXXX had asked for my account information given that they have it on file 2 ) Roundpoint had deducted the money without my permission.
Consumer complaint received 2016-01-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had disputed a charge on my account for {$380.00} due to faulty repair work on my Fridge. The initial charge was XXXX XXXX, 2015 and I disputed it on XXXX XXXX, 2015 and Bank of America credited it back to my account. However, the company sent them a copy of the receipt and Bank of America charged it back to my account. 

The complaint was not that it was not authorized, the complaint was they did n't repair the appliance and would not honor the guarantee. I have since bought a new fridge and want my money back to pay at least for part of the new XXXX!
Consumer complaint received 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (WA)

After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-07-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (FL)

I am no longer in school, I am now in repayment. I called my lender about a repayment plan because they say on the website that if you 're having troubles repaying, call this number. I talked to the CS rep and she basically told me that I could n't get any repayment plan, even though I 've told her that I 'm experiencing hardships, because my co-signer may not be. When I told her that they were having troubles as well, she responded with, " we do n't know that. '' Why would I lie about something like this? I want to be rid of these people as soon as possible. This is the only lender who even brings the co-signer into the equation. 
First off, I did n't even sign a loan with them, because I know how they treat their customers and I did n't want to be stuck with them, but it was sold to them anyway. Then I asked her about repayment and the first words out of her mouth was you can try consolidation because we ca n't offer any long term forbearance options. I was n't even asking for long term options, I only needed about three months! I understand that they are n't governed by Federal laws but to completely ignore the needs of your customers is simply wrong. I would like to know how I can get my loan transferred somewhere else or learn of the regulations of private loan lenders because I feel that they are n't doing the very best that they can to help their customers.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

I unfortunately had to file for Chapter XXXX protection XX/XX/XXXX. I happily met all my financial obligations and my Bankruptcy was discharged XXXX. I called my lender ( Seterus ) XX/XX/XXXX and provided all requested paperwork. Seterus informed me their " cure '' period to release my account from BK was 90-120 days. It has now been 196 days and my account still shows that it 's in " BK '' because they had a software upgrade and they are months behind. My house in under contract to be sold. Seterus will not provide a payoff statement because according to them ... .I 'm still in BK. I have informed them that my house is scheduled to close next week and all they can tell me is that it will be another 60 days before they can provide a payoff and let my house close. I will now be in breach of contract and I 'm being held hostage by Seterus. Why am I paying for their " system upgrade ''? How is this fair?? I called back XX/XX/XXXX and told them I would be selling my house and I 'd like to make sure everything shows " OK '' in their system. I was told, " your bankruptcy was finalized and you will be fine ''. Please tell me my rights as a consumer. Can Seterus hold me hostage like this??
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (SC)

My mortgage was transferred from XXXX XXXX XXXX XXXX to Specialized Loan Servicing ( SLS ). During the transfer my account was labeled as being in " Bankruptcy '' and therefore my payments submitted to SLS have been returned. My account is NOT in bankruptcy, I have been current with all monthly payments, and there are no negative reports of late payments or past due charges. I have tried for three weeks to have SLS remove the bankruptcy status on my account so I may submit payments.
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit International Corporation (NV)

I received a notice in the mail regarding a collection effort in a attempt to resolve the matter I called the number on the notice I then provided all necessary information to validate my identity to XXXX XXXX that person then refused to provide me with any information about my case stating that I sounded like a girl and he would not give me any information and to contact him via written mail I then got upset and stated that I confirmed my information and he should not be refusing to provide with what is needed he then said my documents say that your a male and you do n't sound like one so I 'm not going to give you any information and then hung up the phone I then called back and XXXX answered the phone said hold on and hung up the phone again I then researched the contact numbers of that company and got in contact with his manager XXXX XXXX to explain to her that I felt discriminated And they legally had to provide me with the information about my debt she then stated she was going to stand by XXXX and no provide me with my information because I do n't sound like the person I am saying I am even though they have never had any interaction with me before to know what my voice sounds like I then stated that it was illegal for her to make an assumption of my gender based off of the tone of my voice and would be contacting a lawyer if the continued to refuse to provide me my information. I then contacted XXXX w/ the call recorded in one more attempt to resolve the debt and dean still refused and transferred me to his manager again XXXX XXXX with the call being recorded I stated to her that I was giving them one last chance to provide me with the information and that I was recording the call she then again refused to provide the information I then stated that I would be contacting the credit bureau to notify them they are refusing to validate my debt and that they are unwilling to cooperate with a debtor and refusing payments she then stated we were no longer going to have this conversation and hung up the call. This account has been filed with the courts it reflecting negatively on my credit report and all i wanted to make payments and take care of this debt but they are refusing to provide me information to do so based off the tone of my voice why should i be required to pay if they arent willing to give me the information
Consumer complaint received 2016-01-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

On XXXX XXXX, XXXX, at XXXX XXXX., I received a phone call from ( XXXX ) XXXX from someone identifying himself as a representative of Midland Credit Management or Midland Funding. The call lasted 4 minutes, during which he verified my personal information and asked me to verify a debt. I told him I was not sure what he was referring to. He also asked if he was contacting me on my cell phone, and I told him yes. He asked if he had permission to continue contacting me on my cell phone. I told him no. I received the following calls at the following times : XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX., XXXX XXXX, XXXX - 1 call - XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 1 call - XXXX XXXX. 

According to my phone records, they have attempted to contact me 19 times on after that initial phone call on XXXX XXXX, XXXX, during which I told them they did not have my permission to call my cell phone.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. 
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. 
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. 
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. 
overdraft fee XXXX overdraft item fee also. 
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. 
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. 
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. 
After complaining to bank they would not let me online again. 
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.
Consumer complaint received 2015-06-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I authorized a payment on XXXX/XXXX/15 for {$550.00} to XXXX using XXXX Pay from my Bank of America Savings account. I also took {$60.00} out of the ATM on XXXX/XXXX/15. On XXXX/XXXX/15 Bank of America took out {$540.00} and applied it to my personal checking account without my consent and returned my rent payment as insufficient and applied a {$35.00} overdraft fee to my account resulting in a negative account balance of {$10.00}. I am attaching a copy of my rent statement showing the authorization made on XXXX/XXXX/15 for my rent and the ATM receipt for the {$60.00} I withdrew from the ATM.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ERC (UT)

I called into Enhanced Recovery Cor to settle my {$370.00} XXXX account. I asked to speak to a manager because things usually go better that way. The representative asked me why, I explained, she replied with " so you think that 's going to help you not pay ''. 
She ended up transferring me when I threatened to hangup. The manager was rude, constantly interrupted me, raised his voice. When I offered to settle for {$100.00} which is all I can afford & a little over 25 % he laughed & said I needed to try & settle for at least half which is {$180.00}. I told him I could n't & he said that his company would check into that & call me every few days until I figured out how to pay it.