davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (TX)

I purchased several feet of flooring from my local Lowe 's Store, XXXX. XXXX, TX XXXX. I needed a total of XXXX sq. feet ; my local store only had XXXX sq. ft. The remaining XXXX sq. feet was going to be sent to my store within a week. I waited the week and went back to the store only to be told that XXXX of it was sold by the other store and my local store would be ordering more flooring. The XXXX sq. feet was never picked up by me. 
I noticed right away that the flooring numbers on the box were slightly different. I went back and spoke to XXXX at the time who assured me the flooring was the same color/same dialogue. A sales associate by the name of XXXX was nearby and heard the conversation. XXXX assured me several times that it was the same shade. After a few weeks I had the floor installed, around XXXX sq. ft. The shades do not match. I currently have XXXX different shades in XXXX room.
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (OH)

On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail. 

I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (WA)

My JCPenney account has been frozen, I am being charged a monthly & a late fee. I pay more than the minimum monthly amount to help cover the " late fee '' and am charged an additional late fee every month. The minimum amount due monthly is {$25.00}, I pay {$40.00} dollars and am on a very limited, tight budget so can only pay an additional $ XXXX monthly for a life insurance policy. Every month I pay a little extra as I can afford it in an attempt to reduce the overall balance. In addition, JCpenney charges me a {$35.00} late fee which is added monthly. As of XXXX 2015, the total amount charged to me by JCPenney is over {$500.00}. Their claims department calls me early in the morning regularly and multiple times daily. The new minimum amount is {$86.00} which I am not able to pay. I would like to know if it is legal for them to add late fees to late fees when I have been making payments, even an amount less than they would like.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (FL)

my Barclaycard credit card account credit line was reduced from XXXX to XXXX, this action causes major change in my credit score, because it maximizes card over XXXX % thereby reducing credit score, all payments are on time, never late! I HAVE XXXX CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD!
Consumer complaint received 2015-03-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (WV)

Purchased furniture from XXXX XXXX XXXX with XXXX months same as cash financing. Payments were being made to XXXX. After a few months went online to make payment and the site would not take the payment. Tried again a few days later. Then called the store and was told that XXXX had sold the account to GE. The merchant nor XXXX nor GE had told us that. We called GE and a gentleman told us that {$100.00} would pay the account in full. We sent the payment in. Since then we 've continued to receive collection notices from XXXX collection agency after another. We talked with GE XXXX times and they would do nothing. We had talked with their employee by phone and had nothing in writing. Now we are receiving collection letters from another collection agency for a lone that we paid in full per the terms. GE is wanting interest and other charges for an account that was paid in full within the time frame of the agreement.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

I have been sued for a debt that I do not owe, and that I have repeatedly told XXXX XXXX XXXX, plaintiff in the law suit, that I do not owe this debt. They have also reported this debt on my credit report.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

I had at one time four different retail credit cards with Synchrony Bank after Synchrony Bank purchased those assets from GE Capital. Since then, Synchrony Bank has closed out one of my credit cards in which I never was late, and they lowered my credit limit on three of my other credit cards despite me not having any late payments or delinquency. I think their business practices are unfair and unreasonable. I have read many online forums where these business practices have been commonplace with them. I want to file a formal complaint against Synchrony Bank for unfair credit practices and credit reporting.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (OH)

I have taken out a loan with Rise and tried on multiple occasions to pay extra towards the principal and each time they apply the extra monies incorrectly so that the principal amount does not go down and this allows them to charge additional interest I have made multiple phone calls to them and get nowhere the original amount of the loan was XXXX I have paid over XXXX todate and they say my payoff is over XXXX
Consumer complaint received 2016-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (SC)

This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XX/XX/XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.
Consumer complaint received 2015-12-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC (MD)

I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud!
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (KY)

I have a store credit card with Walmart. Several months ago, I had a balance, but because I was about XXXX days late, they took about half of the amount as a late fee, instead of charging it to my account. This month I went over my balance XXXX {$2400.00} XXXX by {$53.00} and change, and got a payment due of about {$170.00}. If I had not gone over, my payment would have been {$68.00}. I do n't think they should be allowed to charge the consumer like this. I sent an email for an explanation of why they charge like this, but so far no answer.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (OH)

AFNI, INCXXXX .I have a a unverified account from AFNI , INC . I had previously disputed this account this account. I have never done business with AFNI , INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debtAFNI, INC purport I owe. I request that AFNI , INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX
Consumer complaint received 2017-08-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OH)

My home has been forclosed. I went into an offer to buy with a purchaser. Wells Fargo agreed to a short sale. I was informed that the property would be auctioned off on XXXX XXXX, 2017. Now WF has informed me that hey have cacelled the short sale option because they have not heard from my realtor. This is a converstion that has been recorded and documented in ref to my realtor. I have provided all requested info as well as my realto. I owe XXXX I was offered XXXX.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PDQ Services, Inc. (GA)

I purchased an alarm system that was struck by lighting the DAY After installation and therefore never worked. The company wanted me to pay {$200.00} for the repair and I refused. They listed my amount owed as {$880.00} ( the entire contract amount ) and reported me to collections. I wanted to clear my credit and therefore made a written agreement to pay this amount in its entirety if all notations were removed from my credit bureaus. They agreed ( in writing ) and the money was paid. They have not removed the negative notations from the credit bureaus as agreed. It appears on both XXXX and XXXX yet they took my money!
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

This is the second time I 've submitted a complaint about ditech ( re complaint numberXXXXXXXX ). I could n't find a way to say that ditech 's response was n't clear. Maybe I was too late. 
On XXXX XXXX, XXXX I received XXXX pages ( cover 'em up XXXX ) attempting to justify ditech 's saying I owed a bogus debt which I did n't owe. 
I 'm sending scans of communications I 've had with XXXX, Green Tree and ditech. Here is a list of what is included : 1_Letter from XXXX dated XXXX, XXXX page 2_Letter from XXXX dated XXXX, XXXX page 3_Letter from XXXX dated XXXX 4_Letter from XXXX dated XXXX 5_Letter from XXXX dated XXXX, XXXX page 6_Letter from XXXX dated XXXX, XXXX page 7_My Escrow Waiver Included in the Original Contract 8_XXXX page of Green Tree 's Spread Sheet 9_Statement from GT dated " due XXXX '' 10_Statement with pay reversal 11_Statement " due XXXX '' 12_Statement from ditech for XXXX XXXX Compare the date of XXXX/XXXX/XXXX on my letter from XXXX ( number XXXX above ) with Green Tree 's spread sheet ( number XXXX above ). Note the letter from XXXX dated XXXX/XXXX/XXXX ( number XXXX above ). I 've included my waiver for escrow ( number XXXX above ) -- I 've never had an escrow account. 
I was never late with my standard payment on the mortgage or for taxes and homeowner 's insurance. 
I never got an XXXX statement from ditech. I had to call ditech for the address which address to which I should send the payment -- It was the same address as Green Tree 's. 
In spite of XXXX letters, XXXX from me and XXXX from my then attorney, ditech still addressed their communications to my attorney 's office and I got them past the due date, the first of the month. 
Statement from ditech ( number XXXX above ) ... has pay reversal but still has the bogus debt named " XXXX XXXX XXXX. '' I received XXXX more statements for the first of XXXX, XXXX, and the first of XXXX, XXXX, which I did n't pay because my new mortgage was in process. I do have a new mortgage with my credit union. 
It cost me nearly {$5000.00} to get a new mortgage, including attorney 's fees, which I could n't afford.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (ID)

After sending dispute letter in XX/XX/XXXX via certified mail to Experian regarding incorrect accounts and requesting validation I received a printout that stated they were verified. I requested a reinvestigation containing method of validation and account history including original signature in XX/XX/XXXX and still have not heard back. I tried to access my free credit report and Experian kept showing their website as having tech problems but when my prospective property manager requested access that I had to pay for then all of a sudden my report and score were quickly available. Upon reviewing the report I paid for and sent to property manager I see that every account that I requested reinvestigation was exactly the same as first request. There was no reinvestigation and I received no further information and Experian made it very difficult to get access to my credit report.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

I 'm been disputing XXXX hospital bills that showed up on my credit report from a very shady collection agency named XXXX out of XXXX XXXX CA. I 've dealt with this company for over a year. They had an incorrect social security number as well as address and other information. I was able to get XXXX and XXXX to remove the information as they confirmed it was incorrect. However Experian was difficult to deal with. I called them several times, they confirmed the info was incorrect that the collection company and even told me they would remove it yet they did not. I called them last week, XX/XX/XXXX, FOUR times until finally a representative from Experian came back on the line after having me on hold for 15 min and told me the collection company wanted to talk to me. I told her I already dealt with them and they we 're very, very nasty and refused to accept this was not my account despite sending them information. None the less she came back on the line and said the collection company refused to proceed without talking to me. She also said she would be right on the line with me and I just had to answer questions. I begrudgingly did this and as I suspected the representative from the collection company was rude, condescending and put me on hold because I " was not behaving. '' Once he came back I gave him the information he requested however the representative from Experian did not tell me that the numbers on my social security number that we 're incorrect where the last XXXX numbers. The agent from the collection company asked me the last XXXX of my social, I gave it to him and the minute I did so the agent said " thank you thats all I needed, we 'll be in contact '' and hung up. Experian did not help me remove this item as they should have, they made it so this criminal company now has access to my info. I want Experian to be held responsible for this and I want these XXXX false reports from XXXX removed.
Consumer complaint received 2022-10-02
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have violated my rights. 

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 an 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 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

Sir, My service provider was changed 3 months ago. The new provider is demanding that I pay my escrow now even though it has been already paid up to XXXX XXXX, 2016. I do n't pay property taxes because I am ( XXXX VA ) I pay just the insurance. I told them that if they would look at my records with the old servicer they would see that to be the case for years every since I received my modification. I tried to explain that to the new representatives but they do n't agree with me. Your CFPB XXXX told me to file this.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NE)

We have had significant damage to our home from rain and hail. This occurred XXXX XXXX, 2016. The insurance company responded promptly to inspect the damage and issue an initial check payable to us and Ditech Mortgage ( a XXXX XXXX ). The first check was issued XXXX/XXXX/2016, After receiving the WRONG information from Ditech, the check was sent to them for endorsement. They sent it back for us to endorse first. We did not receive a check from Ditech until XXXX/XXXX/2016 after providing receipts and bids to complete the work. 
Ditech withheld 5 % of the funds at that time, which they can not give me a satisfactory reason why. The processing time is suppose to be XXXX to 10 days. I am told they are busy. The customer service is rude and they repeatedly hang up or take 20 minutes to transfer me to claims. 
A second check was issued on XXXX/XXXX/16 and overnighted to Ditech for processing. On XXXX/XXXX/16 the requested progress pictures which were sent immediately. Bids, XXXX ; s, lien waivers have been faxed. Windows and garage doors are custom made and can not be ordered without partial payment. Still Ditech is dancing around with sending the funds and as of today they can not tell me how much and when they will send the funds. They just send a new letter with some other required document and delay processing. The roof was completed on XXXX/XXXX/16 and funds have not been sent to complete payment. Windows leak the garage doors do n't work right and they tell me they are busy. This is XXXX. Everyone in our neighborhood has had damage from this storm in XXXX. No other mortgage company has been as hard to work with than Ditech.