davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (OK)

Sychrony Bank acting for Sam 's Club MasterCard processed XXXX electronic bank payments for payment in full of charges. The XXXX month Sychrony Bank rejected the electronic bank payment and then charged me a late fee and interest. When I called their customer service number I was subjected to an interminable call tree designed to prevent contact with a human. When I finally reached a customer service representative and tried to explain the problem they claimed it could n't happen and that I should pay my bills on time. I finally escalated to a supervisor that was fairly rude and again claimed that they did n't have a problem. XXXX refused to contact their data processing unit and suggested I write their payments department. The supervisor finally gave me a credit for the late payment and interest charge " as a courtesy '' when I threatened to cancel the card and not pay those charges. For the next two months I made alternative payment arrangements. This month, with the assurance of my bank ( XXXX ) I again tried electronic bank payment. Again Sychrony rejected the payment. This time however I had scheduled the payment in plenty of time to avoid missing the due date. I again called the customer service number at Sychrony for Sams 's Club MasterCard to advise them of the problem I ran into the same problem as before. Denial that the problem could happen. I asked to speak to a supervisor that suggested I delete my payment information and enter it again in spite of the fact that they had processed XXXX payments successfully using the same information. It appears That Sychrony Bank either has a technical problem they refuse to admit or they are committing fraud by purposely rejecting electronic payments in order to collect late fees and interest.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (FL)

Hello, I am disputing this bill because it was never submitted to my Dental Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over two years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OH)

My wife and I bought a house and closed on XXXX/XXXX/XXXX. At the time that we bought the house the taxes per year were {$900.00} a half because there was a tax abatement that we were not made aware of. The title company collected the {$900.00} from the seller XX/XX/XXXX. We have just received our tax bill for XX/XX/XXXX and the bill is {$1500.00}. That is about {$640.00} more than was expected. I called my mortgage company and they have stated that they paid it, but our payment is going to increase by over {$200.00}. I called the title company and they stated that they are not responsible because they based the tax on XX/XX/XXXX. I can understand that the taxes have gone up even though no one has explained the abatement to me, but for me to have to pay the {$650.00} in tax for a time period in which we did not live here is unacceptable. I would like to be advised on what I can do with this issue.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2017-02-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (TX)

There was an fraudulent account opened in my name with Synchrony Bank via XXXX. There was no balance and I have already talked to the bank representatives about the matter and they seemed to have corrected the issue but just wanted to keep you all abreast of the situation. If there is anything I can do to erase this bad mark on my record please let me know. I will submit a 7-year credit monitoring service with one of the credit reporting agencies and also I have reported it to my local police department.
Consumer complaint received 2015-06-26
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC (CA)

First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CMRE Financial Services, Inc. (CA)

I am a single mother and my son was in and out of the hospital from XXXX due to breathing related issues. As a single mother, I found it increasingly challenging to provide the financial means necessary to care for him outside of my standard monthly cost of living. Unfortunately, I do not get assistance from my son 's father for his care and upbringing. This lead to some medical bills being forced into collections- some that I had no idea I owed on. Not only did CMRE have an address on file for me that is not even mine, your customer service representatives threatened me and refused to even work with me. 

I attempted to call CMRE today twice to offer payment in full for deletion, which I know is something that can be offered. I initially spoke with a man named, " XXXX '' who was rude and lacked listening skills. He treated me horribly and said it was " his choice not to remove the record from my credit reporting '' and then threatened me that if I were to call back, " I could speak to no one else but him. '' When I asked for a supervisor he informed me they were unavailable and refused to keep me on hold, noting that I was " taking up his phone line. '' When I refused to hang up, he hung up on me! This is what you call customer service? 

I called back and he had locked my account and I had to sit on hold for over 15 mins while a very nice young lady attempted to get me to a supervisor. While on hold with her, my phone rang through with a supervisor on the line from CMRE. She noted that the " pay for delete '' option ended last year and that the company would not be willing to assist me- therefore, I could pay bills that I had no proof I owed, or allow them to wait their 7 years to fall off my credit. One account is from XX/XX/XXXX and the statute of limitations has completely run out on that one. CMRE has yet to prove I owe this debt and I called the original creditor " XXXX XXXX '' and they can not even find the other bill from XX/XX/XXXX!
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I 'm currently going thru a divorce and no longer living in my home. My husband contacted XXXX where we have a joint credit card. He said the card is lost/stolen and requested a new card in my name be sent to the marital home. I reported this to XXXX and said that I can not gain repossession of the card in my name and want it canceled it immediately or to have them contact my husband to have him cancel the card. Also asked for them to reissue a new card directly to me. They refused and are keeping an inactivated / open line of credit on my name, when I want it closed and do not want the information on the magnetic strip compromised, or to have the card activated post divorce and have any surprises.
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rent Recovery Solutions (GA)

The XXXX at XXXX Ga took a fraudulent claim to court ... .My rent was fully paid ... I owed them nothing ( They said {$10000.00} dollars???? ) ... .They had the warrant sent to my old apartment ... .I was not given the opportunity to defend myself and then they sold info to Rent Recovery Solutions who did not want to hear my story. These are the same people who were on XXXX on XXXX XXXX, 2014 ( please watch ) ... The apartments were mold infected, crime infested and damaged which is why I got them paid off an moved out.
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mel S. Harris and Associates, LLC (NY)

I got a letter from my bank XXXX XXXX XXXX back in XX/XX/XXXX. Stating that a company named : Mel S Harris was trying to garnish my checking and whatever accounts I have. XXXX stated that my income deposited is from social security XXXX, and by law they can not do their action. 

About a few days later. Mel S Harris contacted me, stating that they have a judgement on me. And I must pay them, or they will keep garnishing my accounts. Mind you, i never received a letter or summons, to appear in court. When I mentioned to this the debt collector. She said they sent it, and it 's my problem that i did n't get it. and since the judge ruled in their favor. I must pay the debt. 

I did some research on my state 's court website. And yes they got a default judgement on myself. I also googled this company. And i found a lot of complaints from various people, around the USA. 

I also read some press releases from my attorney general at the time, XXXX XXXX from New York State. He stated that debt collection agencies who got judgements. Used illegal tactics to attain them. Mel s Harris - was caught and sued for not serving clients with summonses. But claim they did. Also a mass class action lawsuit was filed against them in court. Which they lost in XX/XX/XXXX of this year. Below are the website links, in regard to this company : XXXXXXXXhere is the decision by XXXX v. XXXX XXXX heard in XXXX XXXX Court : XXXX : XXXX i attached a file from the FTC in regards to the lawsuit . 

hope this is enough information. If you need to contact me for whatever reason. Call me at XXXXXXXXthanks, XXXX XXXX
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (PA)

I deposited to BB & T on XX/XX/2016 XXXX {$1000.00} checks ( balance transfer checks ) from my LL Bean Visa Card acct. The deposit receipts stated {$1000.00} on each along with the date stamp. Later that day upon checking my acct online, there was only {$100.00} each noted as " pending ''. On XX/XX/2016, I called the BB & T manager and was told the rest of the deposit would be available XX/XX/2016. Previously the same type of check for {$800.00} was deposited XX/XX/XXXX and when I inquired the teller told me that type of check would be available immediately. On XX/XX/2016 I made a transfer of funds from my money market acct to my checking acct to avoid overdraft fees and that was also tagged as pending. Please note that my accts are well funded and stable. On XX/XX/2016, I also made a {$500.00} deposit at XXXX XXXX and their receipt showed exactly how much ( {$400.00} ) was available that day and how much ( {$100.00} ) would be available on XX/XX/2016.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (FL)

On XXXX 2015 I bought a Vehicle from Carmax Auto Finance. I started making the payments on XXXX 2015 and since then I have n't failed with any single payment, not even late payments as i can show from my records. Couple months a go I checked on my credit report because I want to buy a property and notice that Carmax has reported me as a 30 days delinquent since the first payment. Since then I have tried to talk with different representatives in order to solve the problem but have n't get any response yet. Some of them agreed with me that something is wrong in the account and some others just hung up on me whenever I try to talk about it. The fact of the matter is that I do n't have many accounts in my credit report and this single account has affected me dramatically. Totally unfair situation. I hope I do n't need to hire a lawyer to help me solve this issue. I need my records updated with the XXXX Credit Bureaus showing my account with no delinquency at all. I 'm able to provide all the history of payments in my account to prove it. 
I must appoint that when I first bought the vehicle i had to returned it because it was a lemon, as the sales representative from Carmax said. They then offered a different vehicle to me and we agreed on the terms of a new agreement starting with the payments in XXXX 2015.
Consumer complaint received 2016-10-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I recieved credit alert from XXXX and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and XXXX.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form S3 registration statement, ( b ) Federal Reserve form 424 ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR 2046 balance sheet ( s ), ( d ) Federal Reserve form FR 2049 balance sheet ( s ), ( e ) Federal Reserve form 2099 balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Specialized Loan Servicing ( SLS ) engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I provide SLS with the enclosed Notice of Error & Request letter for Information pursuant to XXXX. SLS never responded or took any corrective action pertaining to my my monthly income. SLS never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX 
SLS incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00}. per month on XXXX XXXX, 2016. This error makes it appear my loan modification request did not meet the requirements. 
I also previously sent via fax and email the same updated profit & loss statement on XXXX XXXX, 2016 and verified with a SLS representative via phone call that they received the profit & loss statement. 
The SLS representative told that they did not use the updated profit & loss statement during the processing of my loan modification request and instead pursued the prohibited practice of dual tracking.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( XXXX ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Their is a bankruptcy reporting on my credit report that is not mine, I spoke to the bankruptcy court and they confirmed that its not mine and is not sure how this is being reported on my credit report as they did not even have my SSN in their system. They saw a smiler name but could not provide me with any information of that person and they told me to dispute it with the reporting tangency. I reached out to the credit agency and they wont remove it nor will they tell me why or how they verified that its mine.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing bought my home loan on XXXX XXXX 2015 and I contacted them XXXX XXXX to make payment and additional principal payment. 

They applied my additional principal payment to a regular payment which left a balance they collected as a fee. I called about the payment but was assured the principal would be corrected and the balance would be reflected on XX/XX/2015. 

I checked today and my additional principal has been turned into fees and the additional payment is all but confusing on the statement online.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I had some loans prier to XX/XX/XXXX thru a bank. I filed bankruptcy on the bank XX/XX/XXXX. In XX/XX/XXXX the bank is reporting if as XXXX payments received and pay status as charged off. It is hurting my credit on buying a house. Plus I am having to pay high Intrust on anything I purchase on payments. Can this bank legally do this to me.? I feel this is unfair. It should n't even be on my report at all.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I could not get a loan. I found out that my credit was low do to this. 
Try to contact the company to see if i could pay on it and they said they sold my acct. to a nother compay, So i want to take it off my credit score. becouse they do not owen it.
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (WA)

Affinity Global ( was XXXX ) has called my ex-husband, his sister-in-law, my father and my daughter telling them I owe a debt and implying that I am in legal trouble for non-payment - XXXX of which are not true and is in violation of federal Fair Debt Collections Practices Act. They call my phone at least XXXX a day after I have told them many times that the debt is not mine. I sent a letter in XXXX XX/XX/2015 asking them to desist and to remove my number, and the number of anyone they associate with me from their records, yet they still continue to call and harass me and family and friends. Their language is threatening when they leave a message. Usually, they will call XXXX and hang up when they get voice mail, then they will immediately call again. The caller ID on my phone shows the calls coming from different states and numbers, yet it 's always the same person, XXXX XXXX, that leaves a message. I would like these calls to stop. I have also never received any kind of written notice from this company.