davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST CASH FINANCIAL SERVICES, INC. (TX)

I have verbally stated over the phone on our and their recorded lines not to call me at work and only call the cell number. They still call at work and my boss is n't happy. They call my cell multiple times a day. I work a full time and support my husband who is on XXXX XXXX times a week.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I was notified by XXXX and American Express ( AMEX ) that XXXX would be handling XXXX credit card accounts starting XXXX XXXX, XXXX. In early XXXX I received new XXXX XXXX cards ( personal and business accounts ) with the XXXX logo. I went online as instructed to register with XXXX that I had received the new cards. On XXXX XXXX I attempted to use the new XXXX XXXX cards but they did not work. I contacted XXXX first and they had no record of the cards. After many conversations with XXXX, AMEX and XXXX I was led to believe that AMEX decided no to sell my account to XXXX. At first AMEX told me they wanted to keep my account because I had been such a good customer since XXXX. I explained to the AMEX customer service rep that I had already opened a new AMEX Simply Cash card account and that I also had AMEX XXXX and AMEX XXXX XXXX co-branded cards. I further explained that I did need a fourth AMEX account and that I wanted my account transferred to XXXX as I was originally told. AMEX also told me on XXXX XXXX that XXXX was having technical issues and that my account should transfer by XXXX XXXX or XXXX at the latest. I checked back XXXX XXXX and AMEX told me that some of the accounts like mine would not transfer until early XXXX but I would get an email on XXXX XXXX explaining what would happen to my account. When I did n't receive an email from AMEX on XXXX XXXX I called again and was told my account would not transfer because XXXX refuse my account which XXXX adamantly refutes. I had credit lines totaling over {$100000.00} with AMEX and an XXXX FICO score. AMEX told me on XXXX XXXX that I would be mailed a letter that day explaining why my account did n't transfer and detailing my options. I received the letter on XXXX XXXX but there was no explanation. I called customer service again on XXXX XXXX and asked that I be given an explanation but AMEX refused. I was forced to apply for a new credit card with XXXX ( which was instantly approved ) but I did n't want to have that on my credit report.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (IA)

A few years ago i switched from XXXX to XXXX I paid the final bill and in fact kept the account open just in case i owed any amount of money I even contacted XXXX and told me that this collection was not true and that i Did Not owe XXXX any money I have told them several times about this I have also called XXXX I would like this company and this debt off of my credit record ASAP
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$670.00}.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

I have recieved several calls from a company named Midland Funding. They are said to represent a payday loan that was taken out in 2012 online. They provided a false email address and false home mailing address. They have said the would sue me taking legal action because they want to ensure they will get monies in return. They accused me of recieving a payday loan at about {$2800.00}. When asked for proof and paper work trail they immediatly hang up.Then recall again within an hour.
Consumer complaint received 2017-02-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MD)

I think Synchrony Bank needs to be investigated. For XXXX the late fee they charge is astronomical its around {$30.00} and I see some fraudulent and deceptive business practices. I 've seen that other customers are being treated unfairly and unethical.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (NV)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the ACCOUNT that need to be removed from my file : XXXX XXXX XXXX Balance : {$930.00}.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (NM)

I was n't able to close on my mortgage on my first attempt due to circumstances well beyond my control. The first appraisal that I received was on the low end but gave me what I needed. By the way I would not sell my house for that amount. Because of the delay, the appraisal was not able to be used, so I had to pay another {$500.00}, or rather be gouged for another appraisal. The first appraisal was less than 120 days old. The second appraisal came in at XXXX percent less with comps that were not even close to the quality, style, and square footage of my house, and the person spent about 10 minutes at my house tops. I did not realize that XXXX was an affiliate of Amerisave, and now I feel duped into having to pay for another appraisal.
Consumer complaint received 2017-02-25
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: SYNCHRONY FINANCIAL (WV)

Synchrony Bank claims a debt was settled but I gave no authorization for them to settle school debt. I have an Amazon card with them and have paid it every month. I made a payment on the account in the amount of {$150.00}. When attempted to pay off the full balance this month, they tell me the debt was settled for less than half of what I owe. the account wasallegedly settled foraround {$330.00}. The entire outstanding balance was a little more than {$800.00}. I did NOT give authorization for a settlement. I want to pay the full balance and have my credit reflected as paid in full with a positive report to the CRAs.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I had a HSBC mortgage which I paid off in mid 2016. I had online access to my mortgage statement prior to payment of my loan but afterwards, I no longer have online access so unable to get tax statements. I 've called twice. HSBC refuses to provide paper statement and unable to provide me online access. I 've spent 2 hours in total over 2 calls and still no resolution.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (NC)

This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. 

The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (MI)

So i've tried to dispute these things with the different credit agencies. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 



These are clear violations of my federally protected consumer rights.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (OH)

I would like to file a complaint on American Express Credit card services. I have the blue sky miles card. I signed up and had an introductory rate of 0 % for 15 months. My interest rate is now 17 % and I 'm being charged this interest. I have submitted the request for SCRA benefits over XXXX times and have had no results from doing so. I 'm currently on XXXX in the XXXX. Someone from the SCRA department over at american express contacted me and told me I was n't eligible for the reduced interest rate under the SCRA and that they already credited my account all interest charges back but once I continued using the card it went back up to the cardmember APR. I know that this is n't by the law and should at least be by the mandated 6 % for active duty service members. I was told that they would n't do anything for the XXXX or any interest charges. I 'm also XXXX soon and they did n't regard any of that. Finally, I 'm still on XXXX and need this adjusted I 've submitted these requests more than once. I 've since racked up over {$300.00} interest. I 'm considering suing American Express over this issue
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (HI)

I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud. 

The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused. 

I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized. 
3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ). 

They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card. 

I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.
Consumer complaint received 2017-02-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (AR)

On XX/XX/2017 Midland Credit Management ( MCM ) contacted my husband at work at an inconvenient time for him to be getting a call. He calls back to inquire as to the purpose of the call and the representative he spoke to identified themselves as a debt collector and the purpose of the call was to collect a debt. 

The representative proceeded to tell my husband ( a 3rd party person ) the amount owed and how he was going to pay it. My husband told the man that he just broke a federal law and hung up. 

I called the company and authorized my husband to speak to them on my behalf just this once in regards to the debt. My husband called them back on his break and asked for a representative from the US and was placed on hold for over XXXX minutes and hung up as he had to get back to work. In XXXX minutes, MCM called him 2 more times while at work resulting in harassment. 

The following day, XX/XX/2017, MCM contacted my husband again in regards to the debt while at work. After my husband got off of work he called them back to verify if it was the same company. Another representative proceeded to tell my husband that it was an attempt to collect a debt and provided the amount owed. 

Twice in 2 days MCM has broken FDCPA law by speaking to a 3rd party about my debt owed and attempted to collect from him. FDCPA states that a debt collector may not discuss the debt with a 3rd party and can only call a 3rd party one time in order to locate the customer.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
Consumer complaint received 2017-02-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

My issue is with Chrysler Capital. I leased a XXXX XXXX, and recently bought it out of the lease for {$23000.00}. Of that amount, {$1500.00} was sales tax. 
When I received the bill of sale and title, I took it to our county title office to have it put in my name. I was told at the office that they had not received my sales tax, and that I could not own the vehicle until it was paid. I called Chrysler Capital for advice on how to proceed. I spent over an hour on the phone that day trying to be directed to a person in the title department. Once you no longer have an account with them, it 's nearly impossible to get through their automated process, as your SSN is no longer recognized. 
When I got someone on the phone, she checked in to everything and assured me that the sales tax would be coming back to me. I was very clear that I needed it to come to me, a check in my name. She said yes - 7-10 days and I would have a check in my hands. She told me that I could wait for it, or pay the Sales tax again to have the vehicle put into my name that day. I decided to pay it. 
Two weeks later, I have no check. I have now spent the better part of 2 hours trying to reach someone at Chrysler Capital. The first woman in the title department looked into it, and then told me that there was no check coming to me. We were then conveniently disconnected when I questioned it. She never called me back. I called back three more times, after going through the automated process each time, I was hung up on again three times. I have a complaint in to my dealer. Please help me resolve this issue and get my missing sales tax. I would love to hear a copy of my phone calls that are 'monitored and recorded ' each time, as they will confirm my side of the story.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (NY)

I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company.
Consumer complaint received 2016-06-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I have an auto loan with Santander consumer Usa. Its a subprime auto loan with 24.4 percent interest rate. My monthly paymant is {$460.00} a month. XXXX has been applied to the princable of 24 payments. I notified the company in writing that i was forced to pay an additional {$2500.00} down for extended warranty as part of the terms of the loan. Found out the car was still under warranty by XXXX. They said they couldnt refund that money to contact the company that sold the warranty. Turns out they are subdividion of ssntander. I wrote them a letter after they repo my car stating i was on workers comp and can they put a hold on my payments or refinance the loan. They refused. I got my car back after paying the past due amount of {$1200.00} and 1 week later the calls started that i was behind by {$1500.00}. They refused to refi or renogotiate payments. I owe {$16000.00} the same amount as the day i purchased the car over 2 yrs ago and total payoff amount is higher. I put {$6500.00} down. The ticket price was {$11000.00}. I know i should expect higher fees because my credit isnt great but the way I see it is they are making sure I will never be able to pay off this loan. It a 2012 XXXX. They apply payments any way the want instead of where its supposed to be. I have made XXXX payments in one week this month and again a week later tge collection calls start. They report me 60 days late almost monthly. There is no resolution with the bank. No matter what form of payment i use im charged an addition {$10.00} convenience fee. If i mail them a payment they tske their time posting it then charge me late fees and more interest. Im constantly threatened with repos. They wont refund my {$2500.00} for the warranty i did not need and never once used. Now that im workers comp my income is half of what it was. I sent them the award letter from XXXX. They dont care. I dont understand how i still owe the exact amount i owed from the day i purchased the car. I dont know what else i can do so i send them every dime i have just to stop them from taking the car in the middle of the night again. I need my car to go to the doctors, surgeons and physical therapy. They even refused to take a lein on my settlement.