davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

Dear CFPB, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, MI, XXXX is apparently helping XXXX with a retaliation scheme against customers who terminate service. Its been in the news that XXXX is hitting people 's credit scores when they close an account. 

XXXXI had a similar experience, when I moved, I terminated on one service, but then started XXXX XXXX at my new home. They claimed that I owed {$140.00}, but I never got a bill. ( I continued my cell and internet service with them, its not as if they did n't know where to reach me. ) I have called Diversified twice, and the last time they refused to validate the debt. 

XXXX has destroyed my credit over a {$140.00} bill, and wasted hours of my time. their technique is to leave you on hold, then shuttle you between departments. XXXX XXXX services department sends you to Diversified, then Diversified sends you back to XXXX, over and over. All in an attempt to shake down petty change out of your pocket. 

Please bust these XXXX.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (VA)

I 'm tired of the calls from Synchrony Bank for XXXX XXXX XXXX XXXX Credit Card. I 'm unable to pay the card in the full minimum balance that keeps increasing each month. I talked to them to help in the hard ship situation but they keep calling. I WANT THE CALLS TO STOP!!! I wish I NEVER got the card. 

Apart from this month, I 've missed XXXX payment, but they make it seem as though missed so many. they give you options of amount to pay, if they do n't want me to used those optional payment amounts, why do they offer them, then they call me as though I have n't paid them. Yes, I 'm going through financial hardship at this time, but the calls are so annoying. And I feel harrassed.
Consumer complaint received 2024-10-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC (OK)

As of today I have sent 3 notices to cease contact to my place of employment and to provide validation of the debt. 

XX/XX/XXXX - via a ticket submission to their website XXXX XXXX notice delivered to their email XX/XX/XXXX - XXXX notice delivered to their email Today, XX/XX/XXXX at XXXX XXXX, they called and left another voicemail on my work phone. So I sent an additional notice to cease and a notice of intent to file complaints for their violations.
Consumer complaint received 2015-10-02
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

A credit collection agency attaching privacy statements which I have not signed nor have I given authorization for them to use my ss number and information. They need to provide something I signed with the originator that states that they are allowed to seel my information to a third and fourth party. They claim to be attornies but they are representing a firm that goes under XXXX names, and send collection statements under each name when in essence it is XXXX and there is a class action law suit against them. I was making payments on my Saks Credit card but they had already sold my account ( XXXX XXXX still work for XXXX and was able to see that I was making payments while XXXX sold the account and only kept XXXX and laid people off ). As a result I will sue whomever is involved for using my information my account my data which already should be archived. It is illegal to use my name ss number and data when I did not authorize it. The privacy notice is bogus and not acceptable it is my data! And they sell my data THAT IS FRAUD!
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

My monthly payment was XXXX days late ; spoke to them onday XXXX and day XXXX that payment would be made on XXXX/XXXX/15. Advice unable to verify at moment but would take care of payment. I received a call Tuesday XXXX XXXX, Wednesday XXXX XXXX. I received XXXX calls after speaking with them on Tuesday and Wednesday, I advise them not to call me by phone anymore they were not to call me back after payment arrangements the rep said she would call me as much as they wanted to ... previous reps did n't promise account or note it. They could call as much as they wanted. I received call on XXXX/XXXX/15 @ XXXX and XXXX and XXXX on my home number. Before hanging up I advised of a cease and desist on my account.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

I closed my XXXX internet account and returned the model to the XXXX  location via XXXX and verification. The executive office of XXXX kept reassuring me that my account was closed and paid in full via email. Today I received a text from a collection agency, TSI regarding my XXXX account which is supposed to be closed and paid in full. 

The executive office reassured me this would not happen and I have various emails. I reached out to XXXX today about this matter as this is unacceptable. I don't understand why XXXX keeps doing this and they seem to be incompetent with regards to handling billing matters.
Consumer complaint received 2015-10-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OK)

I have a XXXX credit card, which is handled by Synchrony bank. I 'm receiving abusive and harassing phone calls from Synchrony bank from the phone number XXXX XXXX XXXX XXXX XXXX, which is a skype number. Collection activity has been outsourced to people in XXXX, in the XXXX. They are obviously not aware of the FDCPA, because when I asked if they knew about it, they said no. I asked because they have violated the law multiple times with me. First, they call me FOUR times daily, every day for the past week. That 's harassment. Second, I asked them to cease contact, as I am aware of the debt. Further, the debt was n't even 2 months delinquent. Even after I made a payment for the past due amount, the rep demanded I make a payment for the remaining amount which was n't even due until XXXX/XXXX/2015, XXXX payment was made on XXXX/XXXX/2015, the next due date was on XXXX/XXXX/2015 ) or the calls would continue. This is also in violation of the FDCPA. Contact has not been stopped.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft. There are fraudulent accounts on my credit report. I have already submitted my police report, FTC identity theft affidavit, drivers license, social security card and utility bill to Equifax with my written and typed dispute and they continue to still report these fraudulent accounts. Because they have not removed these fraudulent accounts, It has prevented me from getting a house and credit. I have sent several disputes to Equifax and I get a completely irrelevant and what seems like auto-generated letters back. The other credit bureau these fraudulent accounts but because Equifax has n't and also denied to blocked these fraudulent accounts as I requested and am entitled by the FCRA. I have given many opportunities to have Equifax correct this blatant fraudulent reporting. I now have to escalate this issue to this complaint and will now consult with a lawyer. The fact that Equifax says they " verify '' is counter intuitive, since I am an identity theft victim, of course my name, address or what other information will be used. That 's what identity theft is, the use of a person 's identity, personal information and anything else that is used to identify a person. If there was n't this use, it would be called something else. I 've attached copies of my letters, police report, affidavit and some Equifax responses. Equifax is well aware these accounts are fraudulent and is just ignoring my disputes while continuely to report it. 
Please assist me to remove this fraudulent account from my credit report. Thank you.
Consumer complaint received 2015-08-27
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CA)

We received a " virtual '' prepaid Citi Visa card containing {$250.00} XX/XX/XXXX. When we tried to use it XX/XX/XXXX we found that it expired XX/XX/XXXX. I subsequently learned that the federal CARD act requires prepaid Visa cards to not expire in less than 5 years. I contacted Citi, but they refuse to extend the expiration date. I have uploaded a file containing an email I sent to Citi requesting the extension, and their reply in which they claim their card is exempt from the legislation.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (NC)

I have a BP credit card that was serviced by XXXX XXXX, I had no problem during the entire time I have used the card. The card was transferred to Synchrony Bank. I set up auto pay for the full balance on Synchrony 's site but as the due date approached I could n't see that an auto payment would occur so I made a manual payment for the statement balance. The auto pay was also deducted. I called Synchrony to have one payment reversed and was told I had to provide a bank statement from my bank showing that XXXX payments had been made! Synchrony bank claimed that the refund department had no way to see a duplicate payment and they expected me to provide proof of a duplicate payment! The agent also said that I could NOT have a payment reversed as there had been charges made on the card after the statement closing date and I could only receive the excess after my current charges were deducted.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Even though XXXX* told me, both in writing and over the phone, that they have retracted the negative information that was falsely reported as " late '' for XX/XX/XXXX and XX/XX/XXXX payments, as of XX/XX/XXXX ( that is 6 weeks later ), the negative information is still sitting on my TransUnion credit report. 

*The person that I spoke with at XXXX is XXXX ( extension # XXXX ) at XXXX.
Consumer complaint received 2024-10-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I want credit acceptance corporation auto loan removed from my XXXX and XXXX accounts the balance is incorrect they never reported my payments and I was told that my account was dismissed I just didn't it it lingering on my credit I'm trying to rebuild my life and my credit
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRSTBANK PUERTO RICO (NY)

As of XXXX 2015, my working hours with the XXXX XXXX XXXX XXXX has been reduced to the minimum amount. I contacted the First Bank Mortgage and they gave me some alternatives regarding the Loss Mitigation department. I completed the application and submitted the required documents asked for by the institution. Since then, it has been a nightmare. My case has been assigned to several employees ( about XXXX ). They required additional documents, which have been sent to them in a timely manner. Every time that I called them to find out more information about the case they switch me to a line that no XXXX answers. It has been more than two months that I have been working with them and until now I have not received an answer from the department. The only phone call that I received told me that I need to pay a month 's rent because if the house goes for more than 3 months without pay the case will be sent to another department and some lawyer fees may apply. They then told me that the case would be more difficult to work on. Since this process started and no decision has been made, my anxiety continues to rise and I do not want to continue with the situation. I will like to know what is the next step. If I was not approved, I will like to know. I have no other choice than to file a complaint with your institution. Thank you in advance for your cooperation in this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (KY)

I made a purchase online with a company that took Paypal Credit and felt secure shopping because of that and in fact used my Paypal Credit line to purchase XXXX worth of dresses. Of the XXXX dresses I ordered only XXXX came, XXXX were a small and I ordered XXXX and XXXX of the XXXX was ripped in the front of the dress. The seller will not send a prepaid shipping label to ship them back and the cheapest rate I could find so far is XXXX to ship them back to seller in XXXX. Paypal gave me XXXX and stated they have to be shipped back before they can make my balance XXXX and will keep the seller paid until I ship them back and the seller confirms they received them. Paypal says I can not use the XXXX Postal Service bc the seller can receive them and say they did not. I have to use XXXX XXXX and a rough quote has been XXXX and that was an estimate. I do n't feel it 's fair that I have to pay the remaining shipping for items not the right size and damaged and PayPal is not backing me in this ... ... .the last thing the seller in XXXX emailed me was instructing me to use the XXXX XXXX XXXX and do it asap. This whole purchase has been a nightmare ... ..Paypal is very aware of the situation has basically in a nutshell said " you need to ship the items back and prove to us you have '' until then the seller will remain paid and you have a balance you have to pay us ... ... ... I will nit be paying them, I have dresses I ca n't use and do not feel it 's fair to pay the high shipping cost to get them back to seller and yet they have been paid and will remain paid according to Paypal Credit unless I do ship back to them
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

On XX/XX/year> i filed disute XXXX which was equal too {$1500.00} it consisted of 6 merchants. ( my card was stolen at the time ) On XX/XX/year> the dispute was declined. 
On XX/XX/year> i requested the information used to come to the decision. the only information used to make the decision was a list of the merchants and amounts ( chime did not reach out to any of the merchants ) On XX/XX/XXXX i filed a dispute rebuttal XXXX this dispute was denied the same day. 

somewhere along in the dispute process i reached out to XXXX and got multiple forms of confirmation that the purchases from XXXX where fraudulent and i also cut the dispute down to just the XXXX purchases. My dispute was still being denied time and time again until finally chime decided that the {$430.00} of XXXX charges where fraud. XXXX admitted that chime did not once reach out i was the only one to investigate it. 

Now that it is clear that fraud was taking place i wanted to go back and add the other charges from the other merchants but chime winded up closing my account. this whole thing took me like 5 rebuttals and i had to do all the leg work. the other merchants i could not locate to contact being that chime refused to investigate and never sent me any valid documentation from my dispute clarifying otherwise matter of fact the only documentation was from me showing that fraud was clearly taking place. 

I would like to resolve the other merchants and the rest of the charges but chime refused to help me what so ever and would only send copy and paste replies
Consumer complaint received 2015-06-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had pending transactions on my account that when they posted would over draw my account. I had money deposited into my account to avoid the over draft fees I would get if everything posted without depositing money. I was still charged an over draft fee for a transaction which is what actually caused my account overdraw. I contacted the bank about the matter and they told me that they are allowed to charge overdraft fees for pending transactions. They never did this before, in fact when I opened my account with them they encouraged me to use online banking and to set up alerts so if there were pending transactions on my account that would cause my account to over draw I would have time to deposit money before the items posted to my account. Now they are doing something else and trying to tell me that this is the way it has always been.
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (OH)

Subject : Complaint Against Source Receivables Management for Consumer Rights Violations To : Consumer Financial Protection Bureau Division of Consumer Services XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to file a complaint against Source Receivables Management ( SRM ) for their egregious violations of my consumer rights. Specifically, I am alleging that SRM has failed to comply with the requirements of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 
SRM has placed a collection item on my consumer report without providing me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have failed to provide me with a clear opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, SRM has engaged in deceptive and misleading practices by furnishing information to a consumer reporting agency without providing the required disclosures. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
I am disputing the validity of this collection item and any underlying debt. I am revoking all rights for SRM to communicate with me through any means, including email, text, or phone calls.

I request that the CFPB investigate this matter and take appropriate action against SRM for their violations of my consumer rights. I also request that SRM be required to provide me with the following : Debt Validation : A detailed explanation of the debt, including the original creditor, the amount owed, and the date of the debt.

Purchase Agreement : A copy of the purchase agreement between SRM and the original creditor. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2015-09-30
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (NC)

They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?
Consumer complaint received 2015-03-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OK)

The most recent issue is this : We had a modification on our mortgage. It was signed in front of our attorney with Ocwen on the phone with us for any questions. They had already filed suit on me eventhough i had paid and had receipts. 
On XXXX XXXX, XXXX the Modification was signed. Our payments would be XXXX by XXXX. My payment was made on time. 
I have recieved a letter in the mail stating that we owe XXXX starting XXXX. 
We signed the modification and agreed. Now they are wanting more, again. They also attached a balloon payment at the end and no credit given for the 14 years of payments that i have already paid. 
In XXXX, i was not going to include the house in the bankruptcy but recieved no affirmation from ocwen when I asked for XXXX. After I paid the payments from then to XXXX XXXX, i recieved no credit for it. They also say that they are not attempting to collect a debt. I never recieved a monthly bill, but i knew the monthly payment and continued to make them. Now since i have never been credited for those payments ( which i have reciepts ) since the modification, they are trying to collect the escrow for three years! 
They are asking more for the house now than when i bought it.
Consumer complaint received 2016-02-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

XXXX XXXX XXXX sold my mortgage to Carrington. I had no notification from either company. Carrington immediately filed a letter of foreclosure and refused my payments. I tried to work with them, but received a letter saying I had declined their plan, I did not receive a plan. Now I am losing my home