davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

I had a debt that was sent to collections without my knowledge. The debt collection company, CMRE, had the wrong mailing address. Then I updated my address with both the hospital and CMRE. The hospital billing department corrected their mistake, and I was reassured by both CMRE and the hospital that everything was taken care of. 

Several months later, I try to refinance my condo, and it turns out CMRE still has an outstanding debt on my credit report. I call them and they still have the wrong billing address, and I have still had absolutely no notifications or contact with them. And interest has being compiling this whole time. 

I settle the outstanding bill because I do n't have time to wait for the hospital billing department or wait for my health insurance to settle the claim, since I need the refinance with the bank. 

CMRE still has n't sent a letter that confirms deletion of the outstanding debt on my credit report and I have no confirmation that I have paid the bill in full. Other than the big charge on the credit card. 

Now that I do n't owe CMRE any money, they have literally hung up the phone XXXX, transferred me to a nonworking extension, and transferred me to their supervisor who despite leaving voice mails has never returned my calls. 

They tell me over and over again the letter has been sent, but I still have n't received a deletion confirmation letter than I can submit to the bank for the refinance. They claim they ca n't e-mail a password protected file, they ca n't fax a letter, they ca n't send certified a letter, and they ca n't regenerate the letter and send it again. 

After all this, I am not surprised I have n't received a confirmation of deletion or a confirmation of payment, since for months, they did n't have my billing address correct and I have never had any contact with them.
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Health Care Management Services, Inc. (GA)

The facility XXXX XXXX XXXX XXXX XXXX failed to send me an initial bill and then after several months sent me a notice PAST DUE 90+ days. The remaining part after the insurance was {$11.00}, I paid it immediately upon receiving notice. I have a copy of the front and back of the check clearing my account on XX/XX/XXXX. The facility continues to send notices to collect payment. I have spoken with the billing department. On a separate instance I spoke with an office manager and explained I paid this already. Now more than a year after the date of services XX/XX/XXXX I 'm getting a notice from a collection agency HSI Financial services to collect on a debt that was already paid. I ca n't remember that far back, but thank God I kept organized records otherwise we would probably have a different outcome. This feels like harassment, I have spent hours going back and forth explaining this was paid. This is only {$11.00} but for others where the bill is higher this seems unfair and unnecessary stress! I have provided copies of the cleared check. I have done my part they need to update their records and stop sending me notices to pay.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IL)

In XXXX 2014 I made a purchase in the amount of {$240.00} or around that amount of what I believe was being debited from my debit card through a secured PayPal account because I put my debit card information in the box in which it requested. A XXXX later, I received an invoice from PayPal and I immediately called them to ask why did they send me an invoice when I made the purchase on my debit card. She asked did I want the {$300.00} line of credit or not. I said no, I pay everything with cash and when I made this purchase, I thought the debit card I inputted was used to process the transactions. She responded, if I did not want the {$300.00} line of credit then I would have to pay it right now. I said why should I have to pay for something that I did not authorize. She said if it was not paid now then it would have to be reported to the credit bureau. I told her that this was unfair since I did not authorize the credit in the first place. She did not listen to me and therefore I have been stuck with this line of credit due to me having to have it reported on my credit. I feel the practice that was used was deceptive and put me in a situation that I did not knowingly sign up for. I want to pay off the current balance which is {$160.00} however I want any and all negative reporting on my credit to be removed.
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX, 2016 Barclay Bank Delaware on XXXX XXXX, 2016. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (AR)

Synchrony bank ( formerly GE credit ) closed my account two months before the rewards payments were to be paid. I was in a " chat '' discussion with a SYNB associate expressing my displeasure at the new policy of not making statements available online. I stated that I did not wish to do business with SYNB due to this policy. The " chat specialist '' was supposed to connect me to a phone call to inquire about my cash rewards on {$10000.00} of purchases, but instead was disconnected. When I called back the person told me that the account was already closed and my cash was forfeited! My bill was already scheduled on the due date of XXXX of a payment in full for the full statement balance, but did not include pending charges. I want my rewards and a method of payment for the bill that will be due in XXXX. I have not received any further correspondence other than " Thank you for chatting with us ''. Synchrony Bank AKA XXXX Bank XXXX GE Capitol, GE Credit is a disreputable business which preys on consumers who are the most vulnerable and least suspecting. It seems that they do NOT care about their reputation and have already been fined and brought into class action lawsuits, but continue to defraud consumers. It seems that it is more profitable pay out millions in fines and continue the unscrupulous conduct than to change these practices. Please crack down on these crooks and put the word out there to department stores who are drawn in by promises made by these crooks.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (IN)

They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said one was sent out XX/XX/XXXX. I never received it. They have contacted me twice since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the one time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last one? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

My account was reported to the Credit Bureaus as 30 days past due despite the fact I had made my payments per the billing statement and within 30 days of the payment due date. 
On XXXX/XXXX/16, I received a credit card statement for a recent purchase. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid {$100.00}. On XXXX/XXXX/16 I received my next billing statement. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid my balance in full. 
When I contacted the bank on XXXX/XXXX/16 to pay my balance if full, I was advised that I was 32 days late and had been reported negatively to the credit bureau ( 30 days past due ). The Customer Service Representative insisted that, for the purpose of bureau reporting, late payment calculations are calculated from the date I last made a payment and not based on when the payment is due. A supervisor later supported this policy indicating that the banks terms and conditions explicitly allow the bank to report negatively to the credit bureau if the number of days between payments is greater than 30 days. Even if the payments are made according to the statement due bill. I insisted that this is a violation of FCRA given that the bank inaccurately reported to the bureau that I was 30 days past due ( from the payment date ) when I clearly was not. The supervisor informed me that the terms and conditions I signed when I opened the credit card waived my FCRA rights. This is clearly not legal or acceptable. Therefore, I ask for the CFPB 's assistance to correct. An inaccurate 30 day late report to the bureau can have extraordinary consequences for me financially. This type of predatory behavior is inexcusable.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

Recently opened up a Walmart credit card under a promotion of no interest for 24 months if your purchase exceeds a certain amount ( which mine did ). I purchased merchandise in preparation of grad school with the intent of paying a little back from each paycheck I receive from the school. I paid three payments then when the fourth one was due it slipped my mind as I became extremely busy with papers, homework, etc. I thought it was due XX/XX/XXXX when in reality it was due XX/XX/XXXX, but I found this out because after i missed the deadline ( 7 days later ) i started receiving calls from a robo automated message telling me that it is the bank and they are with Walmart and gave me a number to call. I assumed this to be some sort of scam as what business would call you trying to get ahold of you to tell you to call a different number? So ignored until I got so annoyed and stressed ( 4 straight days of calling leaving one automated message usually while I was in class, one of the days I actually answered and it was still a machine automated message!! ) I finally opened up my laptop to see who they are. This is when I realized they are pretty much the debt collectors for Walmart so I instantly paid ( today ) once I realized the little mistake I made ( that apparently was justification for harassing me calling me everyday ). Then I start thinking I do n't remember to giving them my number or to a debt collector so I went on my online portal for Walmart and realized I gave it to Walmart ( run by synchrony bank aka the bank that wo n't stop leaving me automated messages ). Further looked into the place I gave Walmart my number and i apparently checked the box that said they are allowed to contact me about my account ( which I guess debt collection is?? Even though the average person would n't think this is what it entails ) and use automated robo messages from third party. Funny thing is today is the first day I have recieved an email notice that I missed my payment after XXXX days of calling and leaving confusing phone messages. In the voicemail they were also very secretive about what the purpose of the call is which is why I thought it was a scam. They just gave their information and a number to call them at, but no way to stop these calls!! Word of advice realize when your are checking a box to receive information about your account realize you somehow explicitly consent to debt collectors harrassing you in the process. Oh and also realized when I checked through my statements that they are charging me interest going directly against their promotional 24 month no interest. All one big stressor impeding on my school work
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (WI)

In XXXX of 2014. I was on an extended holiday in XXXX XXXX. I attempted to use my Amazon store card to purchase items from there and have them sent to where I was residing. They stated they needed my store card number, I had done this in previous years, this was the first time they had requested that information, I was told it was a new consumer protection move. It was instead a requirement of the cards new issuer, synchrony bank. As I did not have the card with me, and my husband could not locate it at home, they agreed to issue a new card, which they did do. The first month after the issue, I went on line to pay my bill the online statement reflected that I owed XXXX, and my payment was XXXX, the online payment Center would not accept a payment. After several phone calls by my husband, we gave up and he ended up paying my bill by phone, out of his own account. All the while the automated statement reflected that I was paid in full, even though I knew this was inacurate. This is still going on. When I got home it took XXXX phone calls over 2 months to attempt to resolve the issue, in XX/XX/XXXX I was given a different set of payment instructions, as their on line payment button still reflected the totally inacurate information, verifying I was paid in full. The new payment method worked for two months. This month I went on line following the information they gave me it no longer works and my account once again innacuately reflects I owe XXXX. When I called them they gave me an entirely new set of directions, which require me to go to their own site to pay my bill. They flat out refused to fix, or explained why the button that you press to " pay your Amazon store card '' doe not work. They also refused to explain why they did not care to fix it, or provide a working link to their own site, that interfaces with the Amazon site. It is my contention that synchrony bank is deliberately doing this to collect late fees they are not entitled to by luring customers ears into believing they have no monthly payment due. This has happened in my own case, it may have also potentially damaged my credit score.
Consumer complaint received 2015-11-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.
Consumer complaint received 2016-10-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (GA)

First Financial Investment Fund V, LLC are trying to collect a debt which I do not owe. They are trying to collect a debt under XXXX different account for the same company. I told the company that all debts and claims for XXXX XXXX has been fully resolved. They closed the XXXX debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica (DC)

On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.
Consumer complaint received 2016-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CA)

Woman debt collector XXXX XXXX from Caine & Weiner from Kentucky. calls my home before XXXX XXXX XXXX time asking me questions about owning a company. I told her to please remove my number from the call list and that it is illegal to call my home before XXXX XXXX she starts arguing with me. She said that she can call and it is not illegal to call my residence. In a few minutes she called back again and hangs up. I then called her back and she begins to argue with me. Illegally calling my home early in the morning is harassment and if this is their practices this must STOP.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I believe this collection was from XXXX or XXXX. 
I have never received any written notice of collection, however, I received a phone call around XXXX about a collection. 
I disputed this on the telephone with the debt collector. 
I informed the collection agent to get the info in question, since the company I worked for went out of business. The coverage I had was to be paid at the time by the company supplied insurance. 
After checking my credit history, I found the collection agency changed the contact info to XXXX without ever contacting me?????
Consumer complaint received 2023-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Creditor/Bureau, I am writing to dispute several items on my credit report that are causing my credit score to be very low, and I believe that these items are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute the following negative items : XXXXXXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXXXXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
XXXX XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
The FCRA requires that credit reporting agencies and creditors report accurate and complete information about consumers ' credit histories. It also requires that they investigate any disputes that consumers raise about the accuracy of their credit reports. I believe that the inclusion of these negative items on my credit report is inaccurate and unfair, and that they are in violation of the FCRA. 

I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or in violation of any applicable laws or regulations. If you can not verify the accuracy of these items, I request that you delete them from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This whole week from the dates XXXX Toyota of XXXX continuously is violating my rights as a consumer. They are continuously, providing misleading and incorrect information. They are denying me credit on prohibited basis. Theyre discriminating against me in in which they dont answer my calls. When I call them, they send me to the regional call line instead of answering my calls directly they send me to one department them to another department into another department and its just a run around. They are not explaining in its entirety what the finance charge is and includes. 
They continuously withhold information by which I mean the continuously deny giving me numbers to either theyre underwriter or their finance manager