davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (WA)

I purchased a bed from XXXX XXXX ( financed through GECB ) in 2012. I applied for the loan in the store and was approved for {$3000.00}. This was a promotional loan, i.e. 24 months interest free for 24 months. Upon being approved, the salesperson told me what the monthly payments were to be. GECB then became Synchrony. I requested from Synchrony a copy of my application and the terms of the loan, but they have informed me that since my application was taken " electronically '', a paper copy is not available. 
I received a bill monthly and paid what it indicated was the " total minimum payment due. '' At the end of the 24 months, as I had not paid the full amount, I was hit with the back interest, which increased my balance from {$1900.00} to {$3700.00}. 
My complaint is multi-faceted, but boils down to the fact that I feel this type is lending is a trap. First of all, there is no way for me to check and see if I was informed that I needed to make 24 equal payments in a certain amount in order to benefit from the 0 % interest deal, as Synchrony is not able to provide me with my loan agreement. Secondly, GECB/Synchrony did not make it plain on my monthly statement what I needed to pay in order to take advantage of the deal. I assumed, stupidly I admit, that the minimum amount they listed was adequate to take advantage of the financing. The statements all say, " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. '' They provide the date and the balance, but nowhere in the statement does it tell me what my payment needed to be in order to avoid the application of all the interest at the end of 2 years. 
I have recently heard on television/radio merchants such as XXXX XXXX XXXX now make clear that the special financing requires equal minimum payments, which leads me to believe that I am not the first person with this issue. 
I am now facing a balance of {$3000.00} w/ a 29.99 % interest rate. I believe that this is the goal of these finance companies - to not fully-inform consumers up front what the equal payments need to be, so that they can rake in HUGE profits. If I had been informed in my monthly statements what I needed to pay in order to avoid the full amount, I would have paid that amount.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

re CFPB CASE NUMBER XXXX I RECENTLY CLOSED A BP VISA CREDIT CARD ACCOUNT AND FILED THE ABOVE REFERENCE CLAIM WITH THE CFPB. I RECENTLY RECEIVED A FORM LETTER FROM SYNCHRONY BANK WHICH I ASSUME THEY SEND TO PLACATE THE CFPB. IN THAT LETTER THEY STATED THAT THEY DID NOT RECEIVE A FINAL SETTLEMENT PAYMENT OF {$1900.00} AS OF XXXX XXXX, 2016. I MADE THAT PAYMENT BY CHECK ON XXXX XXXX, 2016 -- THE DAY I CLOSED THE ACCOUNT. MY CHECKING ACCOUNT WAS DEBITED FOR THE AMOUNT ON XXXX XXXX, 2016. YET SYNCHRONY BANK SAYS THEY STILL HAD NOT RECEIVED THE PAYMENT AS OF XXXX XXXX, 2016. THYE ARE OBVIOUSLY RUNNING A SCAM TO RUN UP LATE FEE CHARGES. I WILL BE SENDING ALL SUPPORTING DOCUMENTATION TO SENATOR XXXX XXXX SO SHE UNDERSTANDS WHAT THIS BANK IS STILL DOING TO CONSUMERS.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (OH)

Time Share forcing in signing contract an not letting us to recede. 
Everything pertaining sent back as certified which all copies of letters were copied. Because the letter was post marked late which was not even 24 hours there not canceling the contract. 
XXXX companys are not responsive in returning calls or letters, or faxes. 
Yesterday XXXX/XXXX/16 the Bank is refusing the Recession we 're held responsible for contract payments. 
Asked if company 's requesting in canceling as the reply was No. 
Explained that we 're not paying as I done everything they asked to support this case, XXXX company 's were sent letters, fax 's, and e mails. 
Asked Barclay being the 3rd party if they could help in the matter, and refused! 
Both have opened case # referencing above. 
Pretty much feel like being forced in doing something of which we had on intensions of doing, and while were XXXX XXXX XXXX and on SS we were XXXX victimized.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

Conns Credit Corp is reporting a late payment on my credit reports in violation of FCRA 623 a 7. They never sent out a bill or Notice as required under FCRA 623 a 7 to notify me that they were and had reported a late payment. I requested that Conn 's Credit Corp not call me because they violated the TCPA and I requested that they stop all other communication except in writing and they never and still do n't send out invoices like I requested from them in writing and over the telephone. I have all receipt of my payments and none of the copies of my payment receipts show that they were over 30 days late. I never received any mail from them about late payments, when they are reported, how they are reported.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (DE)

Barclay Bank charged interest fees on interest only balance. Account balance was paid off $ XXXX then bill was sent showing a new balance due to interest of {$6.00}, a {$10.00} payment was made, however on next statement there was {$.00} in interest charged. My understanding is that it is no legal to charge interest on interest and believe this is a violation of the unfair and deceptive act that could be affecting many of their other customers.
Consumer complaint received 2016-05-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (TX)

After checking my credit report there was a line showing an open account with Synchrony Bank/Amazon with a balance of over {$1000.00}, but only reporting to XXXX credit bureau. I contacted the company asking them to update and remove the account. They said the debt had been verified as mine, because I had disputed it before and never received a letter of validation, the company also would n't disclose when they sent the letter of validation, and has never attempted to contact me to continue to collect on the debt that is supposedly owed.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NJ)

I had a walmart/synchrony bank credit card.. always in good standing.. never late on any payment..i recently paid the account off 2 weeks ago in full.. my credit limit had been XXXX today i received a letter stating Synchrony Bank was lowering my credit limit to XXXX because of a credit score of XXXX & derogatory collection of XXXX from a medical bill ( paid in full by my insurance company ) ... they told me they do not have an appeals process and i need to contact transunion who is currently disputing the medical collection issue.. i was told by XXXX my credit score was never XXXX and in fact is currently over XXXX ... i would like this information this bank is reporting to my credit to be corrected asap..as its really destroying a good customer and never gave them any issue in repayment.. i have closed this account down, however if it can be reopened at what my credit limit was.. i would be open for that as well.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I need for the following address to be removed from my credit report XXXX, SC, XXXX. I have filed an identity theft complaint with the US Postal Inspection Service regarding fraud being committed at that address. It is a violation of the FCRA for you to refuse to remove an address from my personal credit report that I state that is incorrect or that has been used to commit fraud. 

I need for this address to be removed ASAP or else I will progress this case further past the CFPB. I have attached the identity theft report and my drivers license. This is a discrimination and is a violation of my constitutional and civil rights.
Consumer complaint received 2016-04-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (IL)

In XXXX, my wife purchased XXXX vehicles with Ford, as part of our process to move to the US. I did n't apply with her because at the moment of the purchase, we were not married and I did n't have a social security card. one of these cars was bought with a loan from Ford Credit. In XXXX XXXX, once married and once I had accumulated enough credit history, we contacted Ford Credit in order to add me to the car loan. We applied and we provided all the information that Ford Credit required. After some conversations with their customer service department, we were required to provide a notarized copy of my social security card, which we did. Two weeks later, we got a letter ( attached ) stating that my request had been denied, but without clarifying the real reason for their decision. I had to contact them again, and they stated that they could n't provide this data over the phone, and that they could send us a letter with these reasons. We received this letter ( also attached ) 3 weeks later, stating that the application had been denied because they were " Unable to Verify the Validity of the Social Security Number ''. This letter did n't have any other information, except the customer service phone number. After reaching to them again ( for the 4th or 5th time ), they tell me that there is nothing that they can do, and that my only option is to send a formal letter disputing this decision. 
I find it extremely ridiculous that Ford Credit continuously wastes our time, diverting us with letters and making us call the same number again and again to receive different information each time and never providing a real answer, but diverting us and making us wait till we receive another useless letter, which will lead to another time wasting call.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (CO)

This letter is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under XXXX federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2016-09-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (KY)

I spoke with the company and let them know I had been severed from my job in XXXX. They said they understood and would work with me. I paid small payments, but then when I was unable to pay in XXXX they began calling me twice a day on weekdays and once a day on the weekend. Then, today they called one of my references. I was two months behind and they became very predatory and made me feel harassed. when I spoke with them today, they claimed they did not have record that I was unemployed and had recieved severance although they admited to sending me the necessary documentation for it. I told them I was contacting CFPB and they said that would turn me over to legal if I did not make a payment by XXXX XXXX. I made a {$200.00} payment, but felt a lot of pressure after their threatening legal and wage garnishment on me. I can provide more documentation ( call logs on my cell phone, my reference contacting me about them calling her, and the paperwork they sent to me when I was unemployed ). This is predatory and unfair.
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

My issue is with Green Tree when I was having problems paying my mortgage. I have had issues with them repeatedly threatening me regarding my mortgage payments. Call me at all hours of the day, every hour. They took money from my bank account, when not authorized to do so ( I filed fraud charges with the bank and it was corrected ). They have forced me to pay the XXXX processing fee-in order to keep my house, many times over. They have refused to listen to me, or work with me in any way, called me a liar and threatened to evict me. 
I filed bankruptcy when my loan was still with XXXX XXXX XXXX, and I reaffirmed my mortgage at that time, they refuse to believe that, and have told threatened to evict me if I am 30 days late. They tell me I have to go back to my lawyer or the courts and get new paperwork for them ( it has been 4 yrs since filing ). They refuse to report my payments to the credit bureau, so my credit report shows this account is closed under chapter XXXX-when I am and have been making payments all along.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Currently have a HAMP mortgage with Di-Tech Financial, LLC. ( Acct. # XXXX XXXX Di-Tech so far has only processed and paid {$1000.00} of the promised HAMP incentives of {$10000.00}. ( XXXX {$1000.00} payments and XXXX {$5000.00} payment on the XXXX Anniv..date of the HAMP modification. ( XXXX. XXXX ) I believe this is due in part to Di-Tech 's failure to timely submit the required documents to the US Dept. of the Treasury. 
XX/XX/XXXX, I received a letter from Di_tech informing me I needed to return the Dodd Frank Certification Letter to apply for the one time principal balance reduction of {$5000.00}. I uploaded the Form XXXX and a Quit claim deed from my Ex-Wife on XXXX XXXX, XXXX. Since the XXXX form required both buyer and co-buyer signatures. 
I then contacted Di-Tech Customer Service to inquire about the need for my Ex-Wife to sign the XXXX Form. At first, they stated they had all documentation that was needed. Later I called again after not receiving any confirmation. I was transferred to Di-Techs Loss Mitigation Admin. that told me they did not have the documents needed.. On XXXX XXXX, I uploaded my Final Judgement and Decree Of Divorce as proof my ex and I Divorced in XXXX. The {$5000.00} was supposed to be posted to my account in XXXX XXXX. I have called Di-Tech 's Customer Service many times and asked if they had enough Documentation to proceed and submit to the US Dept. of the Treasury. 

In my latest conversation with Di-Tech CS, I talked to XXXX XXXX from XXXX Fl. about the situation. She located all uploaded documents but did not know why they have n't been submitted to the proper agency for processing. She also explained that there where supposed to be XXXX ( XXXX ) {$1000.00} payments and the {$5000.00} payment as part of the HAMP incentives. .. According to my account payment History, only XXXX ( XXXX ) {$1000.00} payment was made on XXXX XXXX, XXXX. So ( XXXX ) {$1000.00} & the one time {$5000.00} payment remain to be paid. 
Please see the XXXX supporting documents that have been uploaded.
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

We are XXXX and XXXX, A new company, Ditech has bought our mortgage from Greentree. Since then they took extra money held in our escrow acct. that should have stayed there to pay our Property Tax and or our Mortgage Insurance and sent us a check. We did n't realize that this would put us behind later on. Now they have raised our monthly payment. To make matters worse we have sent them More than enough extra money in the last 3 to 4 months to put in escrow to take care of the shortage and hopefully LOWER our monthly payments!! NEITHER HAS HAPPENED AND THEY DO N'T SHOW THE EXTRA MONEY WE PAID ANYWHERE ON OUR STATEMENTS!!! IT 'S AS IF THEY HAVE JUST POCKETED IT!!! NUMEROUS CALLS TO THEM HAVE HELPED!! 
WHAT CAN WE DO? WHO CAN HELP? DO WE NEED AN ATTORNEY OR CALL THE LAW IN AS IT SEEMS LIKE WE ARE BEING EXTORTED!!! 
PLEASE CAN YOU HELP US???
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: M.A.R.S., Inc. (MI)

Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

The purpose for my complaint today is because I have tried to log in to my lowes account online and it is not allowing me to log in. I called in and spoke to a representative in the fraud department whom then sent me a code to my home phone number and verified that it is me. She proceeded to tell me that my account was triggered due to my recent address change. She then explained further that some aspect of the account sent my account for management review and that there is nobody that I can speak to call back in 1 week. I find this situation to be ludicrous due to me being a lowes credit card customer since XXXX of 2014. I have never been late on my account and have not gone near my credit limit. I proceeded to ask for a corporate number and was told there is no such number.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2016 I bought a product to the company XXXX, I never received this product, I made a dispute to my credit card synchrony bank, my bank responded that the company had given them a tracking number, the Traking number says the product was thrown at the fence door, I never received this package, they are charging me for the package that I never received, I do not hire the packaging company, it is not my responsibility that the product is found Lost, all responsibility is in the company that sent the package and did not require a signature for delivery
Consumer complaint received 2015-08-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (IL)

I have just been notified that my Care Credit card ( Synchrony Bank ) has deferred interest of 26 %. I have been paying over my minimum for the last year and a half and to my dismay my " promotional purchase '' expires next week and i will be slapped with an additional {$600.00} in interest and the following month another {$300.00} for interest alone. I am completely confused by this and tried to transfer the balance to a lower apr credit card, but Care Credit denies such transfer. This is unethical. Please help!