davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cottonwood Financial Ltd. (TX)

I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. 
I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number.
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AR)

I have a account with Conns in XXXX texas. I understand when I am to pay my bill. My complaint is they call up to 10 times a day until I have paid my bill. I have called to notify them that I will be late ( some times it is due to when my pay day falls ) but they continue to call.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MT)

The morgate company representative claimed their company could take over our taxes, and insurance payments, and we provide funds in escrow account. They never told us that once you do that you ca n't get out of payments to escrow in lew of payments for those things. They mis-representated themselves. I canceled their insurance and bought my own, they refuse to stop the escrow included in my monthly payments.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I went to a dentist for a full mouth rehabilitation case. The total cost for my case was over {$50000.00}. It is usual that half is paid when the dentist prepares the crowns and half, upon delivery. I paid the dentist over {$27000.00} with my CARECREDIT card account by SYNCHRONY Bank, which is used for medical and dental purchases. The dentist never completed or delivered the promised services and goods per our agreement, in over a year. I then filed a dispute with CARECREDIT for " NON-RECEIPT OF SERVICES AND GOODS '' and " NON-DELIVERY OF SERVICES AND GOODS, AS AGREED '', which are two examples of billing errors that must be enforced by Creditors, under THE FAIR CREDIT BILLING ACT. They contacted the Provider, who pretended the work was still ongoing, although I had not heard from him in two months. I sent undeniable proof of the BREACH OF CONTRACT to CARECREDIT. I had been trying to reach the dentist without success and sent him two certified letters that had been left unanswered. I was still in " Provisionals '', so it was evident I had not received the final crowns. Then SYNCHONY BANK wrote to me that because they had credited me a different sum for another dispute, with another dentist, four years earlier in 2011, they could not credit me or reimburse me for this dispute. They of course, conveniently left the name of the other dentist from their response letter. I contacted them to say that the old dispute with the other dentist, had nothing to do with this new dispute with my current dentist ; they never responded to me and then released the disputed amounts in the Provider 's favor. It was evident that no matter how well documented my claims against my dentist were and how obvious his unethical and abusive business practices were towards me, SYNCHRONY BANK was going to side with him, the Provider, instead of protecting my rights as a Consumer ; ( because it was easier and less expensive for them, to do so ).
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (CA)

I was woken up by a phone call from Synchrony bank XX/XX/XXXX. I did catch the name but he was harassing me on why I have n't made a payment and I told him that I been short on funds and will try to get some out of my XXXX plan. His response was " fine then you 'll make {$1500.00} '' and I said no maybe {$800.00} or less depends on what I can get out of my XXXX. And I only owed {$200.00}. And he said " you will have {$800.00} or else. '' Then by XX/XX/XXXX, {$800.00} was taken out without my permission. Left me broke and could n't pay my other bills. I tried to resolve this through them but they told me it takes 15 to 20 days to look into it. 
I talked to a lawyer and he said to go through my bank to reverse the transaction. And to report them the feds for harassment and fraud. He also said it does not take 15 to 20 days to look into it. It means trying to cover their XXXX. The lawyer also said that I can sew but it 's hard if I got the money back.
Consumer complaint received 2016-01-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Offices of Robert J. Colclough, III (CA)

I have checked my credit report about a year ago and noticed that this there was an account by Allied Collection Service that is not mine. I disputed this account with the credit bureaus, also I sent certified mail to the Allied Collection Services to validate this debt. I had received a notice from experian stating the accounts was updated. However, the update not only included the same false information, but also showed the account was not listed in dispute. I disputed this account again with XXXX and again, the accounts were shown verified with the same information.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I recieved a XXXX XXXX XXXX credit card early XX/XX/2019, as an authorized user, for the sole purposes of piggy backing. The credit card has yet to show up on my credit report.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

I am a California homeowner that was working with Residential Credit Solutions , Inc. the servicer of my mortgage loan for a loan modification. During the loan modification process they were also proceeding with the foreclosure process which is a violation of the California Homeowner 's Bill of Rights " Dual Tracking '' prohibition. Although I supplied Residential Credit Solutions , Inc. with all the necessary documentation they requested, they sent me a letter stating they did not receive the documentation ; I have proof that it was faxed to them at the fax number they supplied. They contacted me after that letter and asked me for additional information giving me a very narrow timeframe to provide it ( 2 days ). I provided the information they asked for the week prior to the foreclosure sale but moved forward with the sale anyway and I lost my home. They also sold my home for less than what was owed to them but at no time did they offer me the opportunity to pay them less to save my home and they did not properly handle my loan modification application. There are numerous complaints against Residential Credit Solutions , Inc. and XXXX XXXX XXXX XXXX, XXXX and there is another case pending in California courts, see XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX et al. in the United States District Court, XXXX District of California, with nearly the identical circumstances where the homeowner sent in all the required paperwork for the loan modification but Residential Credit Solutions , Inc. claimed to have not received everything they needed and proceeded to foreclose. It appears that this is a pattern of practice by this company and their foreclosure trustee XXXX XXXX XXXX XXXX, XXXX. to unlawfully foreclose on people 's homes.
Consumer complaint received 2017-02-27
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ability Recovery Services, LLC (AZ)

Ability Recovery Services placed a collection account on my credit report. I received notification from XXXX on XX/XX/XXXX. On the collection account they listed XXXX as the original account holder. They listed recent dates on my collection account. They stated account was opened on XX/XX/XXXX and was updated on XX/XX/XXXX. I called them and they stated this was from over 5 years ago or more. They confirmed this was from XX/XX/XXXX at the earliest. I have lived at the same address for almost 4 years, and have had the same phone number for over 3 years. I have never ever heard from this company. I was under the impression my course was cancelled with XXXX because I beame totally and permanently XXXX. I think that Ability Recovery waited until I applied for a mortgage ( XX/XX/XXXX XXXX and then listed the account on my credit report because I was applying for a FHA mortgage and would have to pay before closing. I have also reported this to the Federal Trade Commission. With the reputation of XXXX being untruthful with students and issues with Ability Recovery Services, I think further investigation should be warranted. I have attached the listing from my credit bureau and also my total and permanent XXXX student loan information stating all my loans were forgiven due to permanent and total XXXX.
Consumer complaint received 2016-07-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TN)

I purchased my home XX/XX/XXXX, within the first year, I received a check from my mortgage for an overpayment from my escrow account. Every after I am sent a coupon advising me of an escrow shortage, I am given the option to either pay the full amount by a certain date, or have the amount disbursed into 12 month increments, increasing the amount of my monthly payments. Since XX/XX/XXXX or XX/XX/XXXX, I have paid the full amount to avoid the increase, but have noticed that my payments are increased anyway, coincidently, by the disbursement amount. Recently, I called an asked why my payments increased when I 've paid the full amount of the escrow shortage by coupon date, I was told that the increase to my payments is due to an increase in my insurance premium. I have XXXX, homeowners & flood ( which is an annual payment ), she could not say which premium, the amount of increase, nor the reason for the adjustment. This has been going on for several years. In XX/XX/XXXX, I was denied mortgage assistance for hardship, I did n't meet the requirements, during this time, I was still called for past due payments, the agent assisting me, was not attainable, the company does not offer loan modification services. I was very disappointed then, I love my home, but I really do n't see how I can make a lump sum payment for the escrow shortage, see the disbursed amount still included in my monthly payments, & a late fee (? ).
Consumer complaint received 2015-06-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (AL)

This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We are attempting to submit a short sale with NationStar. We are given 90 days by the courts to proceeds with this short sale since NationStar wrongfully Foreclosed on the seller while she was in bankruptcy. We have submitted a XXXX party authorization to nation star and the Asset Manager XXXX XXXX, XXXX, has continually rejected our 3rd party authorization that was submitted with cause. The seller has been trying to do a short sale with NationStar for over 2 years and thy have done everything in their powers to circumvent this from happening. We need your assistance in this matter.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, Experian, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
Consumer complaint received 2015-10-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding Has frozen my personal bank account and removed money, claiming that I knew I was being sued. Which I did not! Also I had to go to the court to get copies of the suit and the return card from registered mail. ( which does not have my signature on it ) The frozen bank account has caused me to borrow from a friend just to get by, to say nothing of the bills that are now over due because I could not access my bank account.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

I purchased appliances from XXXX in XXXX, California. The purchase was financed by Synchrony Bank, which was facilitated by XXXX. The loan was supposed to be 18-month interest free loan, with {$160.00} per month payment. After the first month 's charges were drawn, the remaining balance of {$4400.00} was drawn as single payment on XX/XX/2017 without any prior notification. 

I did not catch this transaction until 1 month later and was a total surprise for me. I 'd like consumerfinance to help me with this issue.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (AL)

A check in the amount of {$3700.00} was deposited into our bank around XXXX XXXX but has not shown up on our bank statements. We have been tracking the bank statements in the event there was a delay or problem and as of the XXXX statement still no deposit was shown. We contacted our bank, the 1-800 number and the XXXX local branches. No one has any information about the deposit. The organization that issued us the check says the check did clear their bank XXXX XXXX but say there is no information readily on the check to identify what bank processed the deposit. What do we do? Are there not tracking numbers to identify all banks involved in check deposit transactions?
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can pre approve me and I was denied. I pulled my credit and I see some things on there that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own. These items need to be removed, XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX AND XXXX XXXX.
Consumer complaint received 2015-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Affiliated Group, Inc (ME)

Affiliated Credit Services calls on my cell asking for me by name and then asks for personal identity information ( PII ) before disclosure of information. The phone numbers are XXXX and XXXX. I ask them for more information about the company, but only the name Affiliated Credit Services is given. Told her I would not give my address or birth date as I did not know the company. I checked my credit report and did not find any outstanding debts or complaints. She, the Affiliated Credit Service XXXX, threatened to call back until the PII questions were answered.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I 'm disputing loan modification denied ( loan # XXXX ) because Select Portfolio Servicing, we gut multiple mistake and came with new trick, Not carefully review of my application, and XXXX modification package and our income and P & L not match please see the last Profit & lost XXXX XXXX through XXXX XXXX, we submitted .see the attached
Consumer complaint received 2015-09-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P. (MO)

The alleged loan orginated in XXXX/XXXX/XXXX and the account was charged off in XXXX/XXXX/XXXX. The account was acquired by Resurgent Capital Services from XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. I was contacted by mail in reference to this alleged loan. The original creditor was XXXX XXXX XXXX XXXX, of which I have never had any dealings. I have submitted a written dispute asking for all original documents and proof of this alleged loan with my signature. The loan is clearly out of the statute of limitations and is uncollectable. Yet I continue to receive correspondence in efforts to collect this debt. Resurgent has refused to accomodate any of my request for any and all documents pertaining to this alledged loan. I consider this harassment and would like all correspondence to cease and desist. 
Thank you for your time
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OK)

This company, XXXX XXXX continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with XXXX, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XX/XX/2015. On XX/XX/2015, They called me XXXX. At approximately noon on the XX/XX/2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. XXXX XXXX has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

On XX/XX/2015 I received Notice of Acceleration and Forclosure from XXXX XXXX, XXXX on behalf of Select Portfolio Servicing.On XX/XX/2015 I responded with A Validation of Debt letter.A notarized copy of the Validation of Debt letter was faxed to XXXX XXXX, XXXX, XXXX number XXXX certified copy was also mailed to SPS and XXXX XXXX XXXX XXXX. On XXXX XXXX i received a certified letter from XXXX XXXX, XXXX stating that no documentation in regards to my request would be provided. Because I did not respond within the FDCPA 30 day time frame. This is clearly untrue. I have attached the Notice of Sale dated XX/XX/2015, Notarized Notice Of Validation of Debt dated XX/XX/2015.which was faxed and sent certified mail to XXXX XXXX , XXXX and Select Portfolio Servicing. 
FDCPA states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (PA)

I made a purchase on a XXXX store card on XXXX/XXXX/XXXX and was offered a promotion where the interest was deferred for 18 months. Since I had e-delivery and all my communication was electronic, I missed the deadline XXXX/XXXX/XXXX for the promotion. The bank ended up charging over {$1300.00} in interest. I called the bank and offered to pay the account in full on XXXX/XXXX/XXXX but was told they will not waive the interest since it had been over the 30 day grace period aloud to make adjustments to interest. It had been 56 days by that point. I acknowledged my mistake and admitted it was an oversight on my part and to maintain a good relationship with the bank, I need them to understand that everyone makes mistakes. My balance as of XXXX/XXXX/XXXX was approximately {$1200.00} and I was charged the promotional interest in the amount of {$1300.00} which is more than my balance. Obviously I would have paid off the balance since it was more than the interest, it only makes sense.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

In XX/XX/XXXX Select Portfolio Servicing , Inc purchased my mortgage from XXXX / XXXX, originally written in XX/XX/XXXX. My mortgage was written with an option to eliminate PMI insurance with a 90 % LTV and certain other requirements. For over 2 years SPS has refused to honor my PMI rider, investigate my claim, failed to respond to QWR 's and insists they only accept an 80 % LTV based on a current appraisal. I 've not paid for their appraisal until they honor my contract as written. SPS is in possession of all supporting documents.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MI)

I received a letter from Synchrony Bank stating I had made an application for credit with XXXX. They requested I call to give them additional information. I called the number provided and was asked for my social security number. I did not give it to them. I asked that my name be flagged as having been the victim of attempted fraud.