davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax XXXX and XXXX credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

Harris & Harris debt collectors calling from XXXX separate numbers XXXX and XXXX Called XX/XX/XXXX XXXX XXXX Called XX/XX/XXXX XXXX XXXX  Called XX/XX/XXXX XXXX Called XX/XX/XXXX XXXX We have no debt and no reason to talk to such a company. Can't block them with my XXXX XXXX phone company
Consumer complaint received 2019-03-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (TX)

Company is using a " spoofer '' to simulate calls from my area code. I get continuous calls at home and AT WORK from local, spoofed numbers. I DO NOT have business with this company, have NEVER contracted with this company and have NEVER agreed to any conditions of payment, contract or otherwise. I've told them to stop calling. I can't block the number because they call from a different call back every time.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

PNC still fails to resolve and release funds among other practices. See prior case CFPB XXXX that was closed, but it is not resolving any concern as PNC knows and understands that both executors are not able to sign the document together. So, we have requested the same document sent to each of us with a signature line and notary for each executor. I have asked XXXX XXXX numerous times in the month of XXXX 2017 to send one to XXXX XXXX the co-executor with only her signature & notary requirement, and I requested one for myself with only my signature line/notary. I have explained this problematic situation with the document to XXXX XXXX on multiple phone conversations and at least one email correspondence. XXXX XXXX understands that the authorization and indemnification document they are providing and requiring as written is impossible to have completed. XXXX ( co-executor ) has taken the document to several institutions multiple times, and no one will notarize the document for her with both names and notary requirements on the document. PNC should have consumers all over the country in this situation that can not both be present to sign documents, and PNC should be more than familiar with situations such as these. PNC should be able to comply with our need for individual forms. XXXX XXXX advised that she understands what we need, why we have requested individual forms, and she states that PNC 's position is that they will only provide us with the document as it is. She states PNC is not willing to send two documents ( one for each individual to sign and notarize ) even after several explanations. PNC understands we need separate forms, and they are refusing to comply and release the funds as requested. Plus, PNC has been provided the authorization forms that our estate attorney had prepared and have been executed for each of us in addition to official court documentation. PNC is intentionally giving us a hard time releasing funds due to their non compliance, numerous employee errors/ mistakes that were made. 
I encourage any current or potential PNC customer to be aware of bad practices and lack of financial protection to their elderly consumers. 
PNC allowed a removal of payable on XXXX beneficiary in an account conversion to a guardianship account when a new account should have been required. Also, the person making changes was only allowed temporary guardianship. They allowed all these changes to be made when grandma provided the bank with advance warning and had the account frozen as it was clearly not the account utilized for household expenses.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (KY)

I purchase some parts off the internet through XXXX XXXX. I never received the parts. XXXX XXXX did nothing and told me to contact my card company. Before I made the purchase, in a recorded conversation, I asked my rep if I Pay and dont receive my item was I covered? She without hesitation said if I do not get what I pay for Discover will refund the item. Discover turned it into and XXXX issue that they say I sent the money and that its kver. The issue wasnt did I send the money? The issue is I was defrauded, which they said I was covered. Had they said no in our conversation then I would have never used XXXX, which I will never use again. I feel as though XXXX has bullied them into keeping my money and not protecting me, their client. 
fraud /frd/Submit Learn to pronounce noun wrongful or criminal deception intended to result in financial or personal gain.

" he was convicted of fraud '' synonyms : fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement ; More a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities.

" mediums exposed as tricksters and frauds '' synonyms : impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank ; More
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My name is XXXX XXXX and my wife XXXX and I have an account with Specialized Loan Servicing for our townhouse in XXXXXXXX XXXX XXXX. I have been paying our mortgage on time diligently for the past XXXX or XXXX   years with SLS and never had a notice or complaint from them until recently. SLS sent me an option to choose to receive paper bills and I opted for it this XX/XX/2018. I got a notice from SLS this month XX/XX/2018 that I have an outstanding late unpaid balance of {$1500.00}. I was shocked to get this notice and so I called them on the phone but was not given a clear answer as to where this unpaid balance came to be. I called XXXX or XXXX   times and I was given different answers each time. I requested for a supervisor and they told me that a supervisor will call me back and explain to me what the problem is. But no supervisor has ever called me back. Twice I requested for a supervisor call back and did not received any call back. I am willing to pay this amount if SLS can explain to me in writing where this unpaid balance came to be. My concern is if I pay this blindly then how do I know that I will not get another notice from SLS about another made up unpaid balance in my account. Please help us resolve this problem with Specialized Loan Servicing.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I applied for carecredit on XXXX XXXX, XXXX. My cat needed emergency needs. The procedure cost {$400.00}. Now I was told by carecredit that a cost of {$900.00} dollars was also taken from the card, but I 'll have to double check that ( waiting for statements in the mail ). 

I also had an emergency XXXX XXXX operation that cost {$1000.00}. There were other smaller payments for my cat, but I paid the minimum since getting the card and never missed a single payment. I kept up with every payment ( minus this {$900.00} ). Each time I paid, my minimum decreased. I had my balance down to {$2100.00}. 

I was given a ridiculous promotional option of paying {$1300.00} before XXXX/XXXX/XXXX. Here 's what is stated at XXXX XXXX : " 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. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due ''. 

Being a single young woman living on her own, paying utilities, rent, car notes and insurance plus health insurance, carecredit 's promotion was laugh worthy. So, I only paid the minimum as I could only afford. At this I was paying {$71.00}. 

Now my statement is {$2500.00} with a minimum of {$84.00}! I called carecredit and the supervisor apparently said that for each time I used care credit, a promotion was given for me to pay off the debt I owed. To my knowledge, I only received the XXXX promotional plan which was too expensive to pay off anyway. 

I never knew about any other promotion or the fact that using my card pretty much made matters worse for me. 

Bottomline is that after faithfully paying my debt and never being late ( even paid early ), I 've been sacked with a HUGE interest rate that put me back at square one. I had credit cards before whereas all you do is use it, pay your debt, done. But it seems like the folks at XXXX XXXX wants to keep their customers in debt and leech off of them with ridiculous interest rates that will keep customers enslaved to this wretched business! 

I need help. I feel as if I 'm being scammed and that care credit will stay taking my money for ever.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems (NC)

I recently requested validation of a debt collections listed on my credit report under the company Financial Data Systems. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Financial Data Systems failed to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ) as well as the company 's TRUE address ( not a PO Box ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Financial Data Systems ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX and Experian has incorrect information on my Credit Report in regards to XXXX XXXX XXXX. I owe XXXX XXXX XXXX nothing and that is not showing on the credit reports.
I financed vehicle for {$7000.00} through XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX. I could not keep up the payments so I voluntary gave the car back to XXXX XXXX on XX/XX/XXXX.
Again I want XXXX XXXX XXXX  off my Credit Report with XXXX XXXX and Experian Credit Reporting Agencies effective immediately.
XXXX XXXX XXXX
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NCB Management Services Inc. (NC)

I AM XXXX XXXX XXXX AS EX HUSBAND LAST NAME IS XXXX as divorce on XX/XX/2012, ALSO HE STEAL MY SSN NUMBER AND ADDRESS SO HE IS REAL XXXX XXXX XXXXXXXX XXXX SSN IS XXXX XXXX XXXX AND HE STEAL MY SSN CHANGE BLAME ME I HAVE TO PAY FOR THOSE 2 THINGS OWE FOR XXXX XXXX XXXX AND CAR PAYMENT ( XXXX ( SP ) SO PLEASE CHECK UP AS INSPECTION HIS PHONE IS XXXX XXXX XXXX AND XXXX XXXX ( EFFECTIVE COMMUCIATION ON VP WITH INTERPTER .. TKS HE REFUSE PAYMENT THOSE HIS PAYMENT OF TWO THINGS AS WE ALREADY DIVORCE PERIOD HIS ADDRESS IS XXXX XXXX XXXX, XXXX XXXX NC XXXX U HAVE ALRIGHT TO ARREST XXXX XXXX XXXX NOW .. HE NEVER LISTEN AND INGORE THEM SOMEONE TRY TO CONTACT AND INGORE THEM AS OWE PAYMENT LET U KNOW THANK U PLEASE LET ME KNOW MY NAME XXXX XXXX XXXX XXXX XXXX XXXX IF PROBLEM CALL ME QUICKLY I WILL GET LAWYER ABOUT IT ... 
MY ALREADY PAYMENT FOR XXXX CONSUMER PAYMENT PAY OFF THOSE AND ANOTHER XXXX XXXX XXXX HIS NAME ON TOP THAT ALL HE BORROW MONEY AND GET CAR THAT WHY HIS RESPONSIBLE THAT ALL AS VOWS PERIOD .. 
PLEASE HELP ME AS SOLVE DOWN
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MN)

I filed for loan forgiveness in XX/XX/XXXX through XXXX XXXX XXXX due to a total and permanent XXXX and had to jump through hoops for XXXX  years to make sure the total and permanent XXXX forgiveness went through. In XX/XX/XXXXI filed a XXXX form with my taxes after receiving a letter in the mail from XXXX XXXX stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XX/XX/XXXXthrough XX/XX/XXXXI had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today Nelnet ( The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

I received a letter from Wells Fargo stating my Escrow account would need to increase so I could either pay {$120.00} now or my payments would increase to offset the escrow increase. The letter showed the projected escrow for XX/XX/XXXX to XX/XX/XXXX as a decrease in the money needed not an increase. It further showed my actual XX/XX/XXXX to XX/XX/XXXX as staying the same. I paid the {$120.00} so my monthly payments would not increase. I also paid an additional morgage monthly payment to keep from being in the rears. When I received my XX/XX/XXXXnotice the monthly rate showed an increase. I called Wells Fargo for an explanation and they agreed the letter was incorrect. They stated they would research and get back to me. They did not. I called again and asked for a Supervisor, she agreed the letter was wrong and she would research and call me back. She did not. I called again and was transferred to XXXX on XXXX, she stated she would research and call me back. She did not. I called on XX/XX/XXXX and was told XXXX at ext XXXX would be handling my complaint. I called and left her a message. She did not call me. I called today XX/XX/XXXX and spoke to another person who said XXXX never handled my case it was XXXX XXXX, ext XXXX he did not answer so I left him a message. 
Wells Fargo has got money up front to cover any extra Escrow but they still went up on my payments. They have a reputation for asking you to pay more and even when you do they still go up. See what happened to them awhile back when they were fined. 
I have attempted go give them time, 2 months, and opportunity, I called at least 5 times, to right this wrong, they will not respond, always pushing me off to someone else.
Consumer complaint received 2018-06-14
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: EQUIFAX, INC. (CA)

In my Equifax credit report there is one fraudulent account reported by XXXX. I filed a police report and submitted it to all three credit reporting agencies and two of them XXXX and Equifax   immediately block the fraudulent account from my credit report. Equifax refuses block the fraudulent account from my credit report and keeps stating that they have different policy. I have been speaking with Equifax customer representatives months now from fraud department, from regular department which is located by the way outside THE UNITED STATES in XXXX, XXXX. ( My personal information was exported to foreign country without my knowledge or permission ). 
Please, help me to resolve this issue. I am a victim of a fraud and the account that I was disputing with Equifax is a result of fraud and Equifax denies to block that fraudulent account from my credit report in order to show the true worthiness of my credit file.As a result of that I was recently denied for credit and for a job. In last 6 months I was contacting with Equifax representatives twice a month and they always were asking me to send Identity Theft Police Report, FTC Victim Fraud Affidavit form, my state ID card, my Social Security card and after providing all of this informations I lost my hope today that Equifax is going to block the only fraudulent account from my credit report. 
Please help me. I do not have anywhere else to go or to complain. Why the other two credit reporting agencies XXXX, XXXX XXXX have verified with creditor XXXX that it is a fraudulent account and deleted that account from my credit file but Equifax still playing a game with me. There is suppose to be one federal law for all credit reporting agencies regarding how to handle cases with fraud on behalf of consumers. Why Equifax is different in processing this kind a disputes. Please help me to get this fraudulent account removed from my Equifax credit file.
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services (CA)

I have been paying my loan off on time for the last 4 years with Lendmark Financial. My balance was {$170.00}. I processed my last payment online today and scheduled it for tomorrow. Due to issues I have heard about pay off practices with this lender, I decided to give them a call and confirm that all my obligations will be satisfied. I was then told that i will till owe money and that the amount listed is not what I actually own. 
I tried to speak with the manager and express concerns about irregular practice in which the information online and over the phone are not correct, and I was told that it is all in my loan docs! 
I have heard that a lot of other customers had the same issue with this lender and this is why I decided to submit my complaint.
Consumer complaint received 2018-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I had 9 loans with XXXX XXXX that were serviced by XXXX XXXX for my XXXX  degree. I had 1 loan that was serviced by XXXX XXXX for my XXXX. The 9 loans have a first of the month due date and the 1 loan has a mid month due date. The 9 loans were transferred from XXXX to Nelnet in XX/XX/XXXX. The 1 loan was transferred to Nelnet in XX/XX/XXXX. Nelnet has now combined all 10 loans into one account with a first of the month due date. I have asked them to separate the loans back into two separate accounts so they can have separate due dates. They have refused to do this citing internal policy. I have contacted them twice to resolve this : XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MN)

I filed for loan forgiveness in XXXX through Sallie Mae/Navient XXXX due to a total and permanent XXXX and had to jump through hoops for 8 years to make sure the total and permanent XXXX forgiveness went through. In XXXX I filed a XXXX form with my taxes after receiving a letter in the mail from Sallie Mae stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XXXX through XXXX I had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX   who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today XXXX XXXX The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.