davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (MO)

I received a check from XXXX XXXX XXXX co to pay off my loan on XX/XX/2016 I took it into a local PNC branch and was told that due to the size of the check that the manager was n't able to sign off on it and it needed to be sent to a special dept out of State and that it would take XXXX business days to be released because they needed to verify funds. I have never heard of anything like that before but since there is n't a local branch that the check was drawn from, I had no choice. They received the check on XX/XX/2016 and requested something from XXXX guaranteeing funds, a fax was sent to them the same day, then XXXX days later requesting a letter explaining why XXXX XXXX issued the check? My car was a total loss, but why does that matter to them, and why did they wait XXXX more days to request it? That was sent XX/XX/2016. If they have a check with a guarantee they need to release the funds right? A portion ( XXXX ) of the check is my money and they have n't released a dime of it .They are making me wait for my money too, I do n't understand how they can do this. The lady that I was working with left me a message on my answering machine that funds wo n't be released till XX/XX/XXXX. I tried to call her back and she is out of the office till XX/XX/XXXX ... I am having to pay for a rental car out of my pocket this whole time because they are holding my money and I need it to buy a car. Please assist me in this matter because I feel that they are taking advantage of me as a consumer!
Consumer complaint received 2016-08-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

My company began banking with BB & T in 2006. Part of the service from the BB & T bank is to provide merchant services. In the agreement with BB & T bank is a fee for the bank to provide PCI compliance on a monthly basis. The compliance fee program is to keep my business compliant to regulations concerning merchant processing. The merchant processor is BB & T bank merchant services. I have recently separated from BB & T after discovering that BB & T bank has been charging for the compliance fee program and a non compliance fee on every statement monthly since 2006 for my merchant services. The compliance fee program is {$9.00} which is to keep my business compliant, therefore the {$15.00} fee BB & T has been charging is, in my opinion conspiracy to commit fraud. Fraudulent bank practice knowingly taking funds for a service that the bank is specifically providing you a program fee to make your company compliant to government regulations makes the BB & T bank an institution that is defiling the very fabric of banking. I wish to continue with any and all prosecution and or testimony required to have BB & T bank exposed to the public and to ensure that other members of the BB & T banking community are not being deceived as well. I address the question to a BB & T representative from the bank by telephone and was ignored without a follow up conversation.
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (GA)

AR Resources, Inc. sent a letter on XXXX XXXX, 2016, requesting a balance of XXXX. I sent a letter of validation and verification of the alleged debt, which was received by AR Resources on XXXX XXXX, 2016, via US Certified Mail # XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX, Supervisor, verified that my letter of verification was received in their office. AR Resources applied this account to my credit file days after becoming aware of my letter of validation and verification. AR Resources has not provided me with proper verification and I am requesting an immediate removal of this account from my credit file. I am requesting a cease and desist on this account until AR Resources can validate this alleged debt and send proper verification.
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (UT)

I have a loan with an interest rate 10 % I had a shoulder injury and was out of work for two months. So. I called citi started a loan mod it was excepted with a new payment of XXXX with a 3 month trail payment. Then 1 1/2 year later the called me and asked for another loan mod. I did n't understand why but still making my payment of XXXX. Then 6 months a go they sent me a letter that lowered my payment to XXXX due to over payment in escrow. Now the say that I 'm XXXX pass due that 's not the case. I 'm now trying to get them to tell me how 's been cashing my checks. That in line with Fraud.
Consumer complaint received 2015-10-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (TX)

I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score.
Consumer complaint received 2016-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (MD)

Hello, During XXXX I submitted my final payment to complete the loan rehabilitation program. I received a letter from the Department of Education that requests all credit bureaus to update any student loan account with negative information ( including default status and late payments ) to bring the account current. I submitted the letter from Dept. of Ed via fax to XXXX special handling department on XXXX XXXX, 2016 requesting for them to remove the account and/or negative information that is damaging my XXXX score. I was unaware that this request would go through the normal dispute channels and be actually handled like a dispute. XXXX has complied and removed the accounts from my credit profile ; however, XXXX confirmed on Tuesday, XXXX XXXX that their XXXX system verified that all information was correct with the account. This is n't the correct process to verify account information that is reporting inaccurately. The electronic system can not read the letter that was sent to verify inaccurate information reporting. The new loan servicer is now reporting to the bureaus and has updated their account status as well. 
I received an alert today stating that a recent delinquent account was reported to my profile. The account was from Ed Financial showing a recent delinquent account as of this month and is reporting incorrectly and should be removed. My score is suffering because of an erroneous update to the account due to the electronic dispute system that did n't verify account information accurately. 
I would like a resolution to this error immediately. I 've waited a full month since the account was placed in dispute status involuntarily. 
Thank you, XXXX
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

I opened a Care Credit account XX/XX/XXXX and closed the account XX/XX/XXXX. I still have an outstanding balance and will be continuing to make payments until balance paid off. My issue is that when I opened account when I was working at a XXXX and put it in my name, XXXX XXXX and put my boyfriend at the time, XXXX XXXX XXXX, as an authorized user. When I closed the account XX/XX/XXXX they had told me that XXXX was on the account as a joint user and that is not the way I intended to open the account. XXXX has a Care Credit account of his own already. This account that I opened was just to be used for our dog who was being treating for XXXX. at the time. XXXX XXXX XXXX has NEVER authorized to be a joint user on the account.. I have made numerous attempts to have his name removed with no cooperation from Care Credit. My boyfriend and are no longer together and XX/XX/XXXX I called them asking if I could make a payment arrangement due to a financial hardship I told them I could make a XXXX dollar payment XX/XX/XXXX. They agreed but unfortunately they just made it where I missed two payments and was charged penalties and late fees and in turn It effected my boyfriends credit because he is still on the account as a joint user! I am not even wanting to fight the late fees and penlties right now all I am just asking that his name finally be removed and a letter stating that he NEVER authorized to be a joint user on this account. He is trying right now to purchase a home and this is hindering his ability to do so. He was NEVER suppose to be put on as a joint user only an authorized user and he is extremely upset now because of this issue. I have attempted many times to have it removed but never any corroperation. All I want is his name REMOVED and a statement saying he never authorized to be on this account period! I hope and pray you can help me. I will continue to pay this balance off on my own and now the account has been closed so I wo n't have any further charges made. I honestly would never open a Care Credit account again because they seriously do not care about the well being of their customer. It is a shame because I have worked in the veterinary field for over 20 years and have recommended Care Credit to many clients but I had no idea they would have no customer support if there was an issue with their account.. The worst customer support I have even experienced. Feeling hopeful we can get some resolve. the Consumer Financial Protection Agency has been nothing but kind and understating. Thank you for the help and support. XXXX XXXX
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (DC)

I have XXXX late payment notices on my credit report dating back to XXXX and XXXX XXXX, both from PayPal. I would like the company to erase those late payments, and pay me back the interest fees I was charged for late payments on their 'Smart Connect ' account. 

I have been a customer since XXXX and the XXXX late payments occurred because I was unaware of ever having signed up for their 'Smart Connect ' credit option, and also did not know that it was my default payment method when making transactions through PayPal. I rarely used PayPal from XXXX and when I started using it again in late XXXX is when I started running into trouble. 

Having connected my checking account to my PayPal I assumed that these transactions would be taken out of my checking account for no additional charge. It did n't occur to me that there was another account working just like a credit card that this money would be taken out of. 

The first time I noticed is when I received a phone call from PayPal in XXXX of XXXX with a voice telling me that I was late making my payment but that he could take care of that for me over the phone. Still confused why I had a minus on my PayPal account I took care of the matter over the phone, only to receive the same phone call again after the second late payment in XXXX. 

Only then did I realize that this entire time my purchases were coming out of the Smart Connect account, and that I had acquired dozens of dollars in interest fees, not to mention my XXXX late payments on my otherwise unblemished credit report. 

I realize that this is partly my fault because I could have been more careful and logged into PayPal 's website to make sure everything was working correctly. The reason why I 'm writing now is because I heard that PayPal settled with CFPB over {$25.00} XXXX because a lot of consumers had the same problem as me, not being completely aware of Smart Connect and that it was the default payment method. 

I called PayPal on XXXX XXXX, XXXX to ask if they could kindly remove the XXXX late payments, and after speaking to his supervisor the employee on the phone told me that was n't doable because it was such a long time ago. 

On PayPal 's website I 'm unable to see the statements of my Smart Connect account and therefore can not quantify how many interest fees I had to pay because of late payments. Therefore I would like PayPal to send me statements connected to my Smart Connect account from XXXX XXXX to XXXX XXXX. It is possible to view the activity on my regular PayPal account so it should be possible to do the same with my Smart Connect account. 

Thank you very much, XXXX XXXX
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (NC)

Sams club credit owed me a credit of {$27.00}. I spoke to them around XX/XX/XXXX and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX and still no credit. I called Sams Club Credit today ( XXXX/XXXX/XXXX ) and they researched the situation and determined that the request for credit was submitted on XXXX/XXXX/XXXX but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating that they would reprocess my request today and I would need to wait another 1-2 billing cycles for this new request. I asked to speak with the manager and only after I explained I would be filing a complaint with the CFPB, did the manager assure me he could approve the credit now to appear on my account within 24-48 hours. I still am not confident I will see the credit - but will confirm in the next few days.
Consumer complaint received 2016-07-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Aldridge Pite, LLP (CA)

I was in receipt of a letter dated XX/XX/2016 signed by XXXX who works for Clear Recon Corp. This letter of debt and documents attached are disputed in its entirety. I am working with a single point of contact from XXXX who is XXXX. The Home owner bill of rights statute of conditions precedent are still pending. I have attached a letter that will be sent to XXXX who works for Clear Recon Corp. This is to stop all collections Pursuant to FDCPA 15 USC 1692c to cease communication with consumer and any further attempts to collect a disputed debt that Clear Recon Corp. alleges.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ceannate (VA)

These people have been calling several members of my church, ( not an employer ), asking to verify my social security number and other personal information for " an important business matter. '' They told XXXX church member that they needed my information because they intended to garnish my wages to collect a debt. Again, I receive no wages from my church. This seems like nothing more than a scam. Everyone is rather scared and confused, and I now get embarrassing calls from other people in my congregation trying to understand what is going on.
Consumer complaint received 2015-11-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (AL)

This loan was taken out in XXXX of 2015 from Rise Credit, in XXXX of 2015 I was given I/U ( individual unemployability ) from the VA. I called Rise Credit they said as long as I had some type of income this loan would continue. I have made XXXX payments on this loan and now I owe more than I originally took out. I have called XXXX times and given the same lie. That when the next payment came out my balance would be lower. That has n't happened yet. My payments are {$530.00} per month, my original loan was for {$2200.00}. I have paid back {$2600.00}. I believe that is enough of payments although per contract I still have XXXX payments left of {$530.00} which equals {$5300.00} and that is n't including what I have paid already. This loan is predatory and given my XXXX status should be dismissed. If the government can forgive my student loans for fighting for my country I should be able to get a loan where I am not being taken advantage of. Please help me with this.
Consumer complaint received 2016-01-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (IL)

About 6 years ago I XXXX and was charged {$240.00} in co-payments for all the medical procedures. I paid off the debt when I could about a year later with the agreement that West Asset Management will completely remove it from my credit reports. They have not done that still, and it is now 2016. They were also not forthcoming on proving that I actually owed the debt, as I thought I had paid XXXX the entire time. They stated they had no requirement to do that, which I know is against the law. I would like them to verify the debt if they can, and honor the agreement they made to remove the false reports. Furthermore, I would like them to note that the debt stem from the same nucleas of operative fact and are not indeed {$90.00} and {$150.00} collections, but a single debt.
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (CA)

Debt is for a monthly charge from XXXX XXXX for my husband for equipment. He agreed that payment would to be paid by monthly credit card deductions about {$17.00} per month. XXXX XXXX is trying to collect for year of XX/XX/XXXX. My husband is deceased with death in XX/XX/XXXX and all equipment was returned to them at that time. I no longer have access to credit card information to ascertain if XXXX XXXX actually charged credit card. Assumption was that monthly bill was being paid by automatic deduction. XXXX XXXX never billed us at the time nor since that time nor have they ever tried to contact my husband and went directly to collection. My husband 's assumption was that the monthly payment was automatically paid by credit card as XXXX XXXX had requested.
Consumer complaint received 2015-05-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (ME)

Debt is my father 's they sent me a copy of the bill my dad had XXXX XXXX as a doctor I have XXXX as mine XXXX hospital swaps us around all the time if they would send the signed form that I have always had to sign you would see it 's my dads XXXX XXXX XXXX he has insurance and it would have been paid If it was billed right
Consumer complaint received 2016-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (TX)

I graduated from my university and XXXX in the military in XXXX. I should have the 6 % interest rate on my student loan according to the Servicemembers Civil Relief Act ( SCRA ). ACS Education Services has my interest at 6.8 % and told me that they need a copy of my orders to verify that I am in the military. I emailed them a copy of my XXXX XXXX XXXX in XX/XX/XXXX ( showing my XXXX as XXXX XXXX ) as well as my XXXX ( XXXX XXXX, XXXX XXXX ) showing that I will be in the military until XXXX. They rejected both of these documents for " title and authority '' because they wanted the rank and branch spelled out. However, every military document has the rank or branch abbreviated. I asked what specific DA/DD form they accept and they keep saying " military orders. '' I 've given them several different military documents and orders that show my full name, SSN, and service dates yet they keep getting rejected. It is illegal for them to reject official DOD documents and forms. I believe this is their way of scamming the system to prevent service members from getting the lower interest rate. My 6.8 % interest rate needs to be corrected to 6 %, back-dated to XXXX XXXX, and the entire loan amount owed should be corrected based on the 6 % interest instead of the 6.8 % applied over the last six years. They have been overcharging me for the past six years and I should get the amount paid on the 0.8 % refunded.
Consumer complaint received 2016-02-26
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial (LA)

XXXX/XXXX/16 EFT-SPOTLOAN/8886816811 ( {$96.00} ) in connection to complaint made under Case number : XXXX ]. A requested was made for Spotloan to process full pymt of balance. 
They draft only the minimum again. They used a method for me to believie they will waive the balance due as a good customer. It was a marketing tacit for monthly payments. I requested spotloan via e-mail to draft the full balance to have them stop drafting my account with interest and fees. This process only get them ungodly interest and fees not going towards the loan. The request was not process drafting only the min due. e-mail forward to : From : Help at Spotloan XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX XXXX " Request to post full balance of due ASAP, stop with the text procrastinating with the text. Process full payment due ''
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Autovest, L.L.C. (NC)

This first investors account on my credit they sold my legal information to auto vest. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid