BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a lease-to-own loan from Acima on XX/XX/XXXX at XXXX, this had a 90 days payoff/buyout. I made all automated payments and paid off my account on their portal for XXXX on XX/XX/XXXX which was the payoff option on the portal. 
Last week Saturday at XXXX pm XXXX ( 3 months after payoff ), I got an email from Acima about my least past due and they were processing my card on file for a payment of {$300.00}. Then i called their customer service to ask why they were trying to charge my account after paying off the loan. The customer service rep said their was another payment on XX/XX/XXXX that was pending and didn't go through that why the account was reopened. I did not get a pending charge notification like they do for for the payments of XX/XX/XXXX - XX/XX/XXXX, and my bank did not see any charges from acima which was rejected. 
While asking for all my payment history that was deleted from the Acima portal and instructing them not to charge my account until they provided detailed record on my account the customer rep hanged up on me. 
I went on to send an email to their customer support XXXX XXXX. 
Sat XX/XX/XXXX XXXX PM Hello, I have fulfilled the payoff on this account on XX/XX/XXXX and do not authorize any further charges on my account till I have been provided a payment statement on this account to show any money that was never processed according to the Acima representative I spoke to today Saturday, XX/XX/XXXX at XXXX XXXX who hanged up without providing any information on getting my payment statements that were removed from the Acima portal. 
I do not have any emails of any payment charge pending for XX/XX/XXXX, or any email or notification of a failed payment for the month of XXXX from Acima or my bank, till today XX/XX/XXXX at XXXX XXXX  stating my lease renewal payment with Acima is past due. 


Date XXXX paid XXXX XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XX/XX/XXXX paidoff XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates, LLC attempting to collect debt on unverified account. Asked them for specific information concerning debt - and  a copy of a statement was shared,  XXXX   XXXX ,  2017  However, they remain in violation. I asked them to remove the unverified accounts listed below that remain on my credit report in violation o  f 15 U.S.C. 1681.
Asked to authenticate the documents the files that were used to verify the disputed accounts. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?
Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
They 've ignored my request to provided me with the documents they in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting ACT XXXX Account Name : XXXX XXXX XXXX ACCOUNT # XXXX, has 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are late payments showing on my credit report for Student Loans dating back to 2014. This is inaccurate information and I have tried to disputing this with the Credit Reporting Agencies to no avail. 

This debt has been sold to another 3rd party company. 

These late payment reports have caused me to lose out on housing, credit and transportation. 

The late payments are inaccurate. They have been deferred multiple times and I have not received any documentary evidence, audit trail or the like showing that these payments are indeed late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This involves a closed " derogatory '' account on my Equifax bureau report.     The original creditor,   XXXX   XXXX   XXXX  , reported a past due credit card account to the Equifax  bureau  in  XXXX . In  XXXX ,   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This account has since ( and is currently ) reported as an " open collections '' on my Equifax credit bureau report under  XXXX   XXXX .     The problem that I have is that the original   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a   XXXX   XXXX   XXXX   " closed account '' and once as a   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice by one single account.     While Equifax did an initial investigation via a prior CFPB dispute, they determined that the "   XXXX   XXXX   XXXX   '' closed account as verified and it remains on my report. I am not disputing that I have a credit card collections matter with   XXXX   XXXX   XXXX  . But this matter is reported as an open account, "  XXXX   XXXX . '' Therefore, per the " double jeopardy '' credit reporting statute, the original "   XXXX   XXXX   XXXX   '' closed account should not, simultaneously, be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It looks like the Experian website has been hacked for my personal information. A " reset email '' is someone else 's email and not mine. I tried calling Experian and get an automated answering machine. I can't get into the account because although it resets my password, then the new password does not work. I see this as a major issue with Experian because someone has access to my credit information and it isn't me. Can you get Experian to contact me? This is horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Ma On the XXXX XX/XX/2022 I transferred {$1000.00} on the citizens bank app through XXXX  to my sister ... and the payment failed but citizens bank have refused to refund my money even till now. 

It is almost 2 weeks now I have called the customer service representative couple of times all to no avail. 

I visited the branch at XXXX on Thursday XX/XX/2022 still nothing is been done to the injustice. Attached are the statements I pulled out of the citizens bank app. 

I also attached the payment failed screenshot. 

Your prompt action is highly appreciated. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has NEVER investigated any of my accounts and that 's a violation of section 1681 of the FCRA - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XX/XX/XXXX i purchased a vehicle from XXXX  XXXX  XXXX  located at XXXX XXXX XXXX XXXX fl XXXX. I wanted to do in house finance nut went i got there that day i was told that i lives to far for in house so my only option was to finance the vehicle so they informed me that my loan was going to be through Westlake financial in CA. And that i would receive a call the next day so i called Westlake financial and was informed that they needed to gather some information like where i worked to verify my income and how much i put down on the car which was XXXX down payment and XXXX for the tag fees. I kept getting the same answers from Westlake financial everytime i called that my loan was denied because the dealer never faxed the paper work and that they couldn't reach my references i had my references call Westlake to verify because all of my references said they never received a call from Westlake financial and i called XXXX XXXX or XXXX XXXX  XXXX  back and was hung up on and told not to call the bank back that i don't have to worry it's my car. Im going to get approved for the XXXX XXXX XXXX XXXX purchase from them i tried to return the car on XX/XX/XXXX and was told they are working on it i asked to do in house once more and that they would call me back never heard back until XX/XX/XXXX because i filed a complaint with the dealer licence in XXXX fl. Telling me to come pick up my temporary tag cause it will expire on the XXXX this month. I drive there from XXXX XXXX in my other car to pick up the tag but XXXX  XXXX  wouldn't give because i didn't bring the car. I left and called the dealer licence rep that is on my case. He told me to try to find a finance company in XXXX XXXX. I tried but the car either was purchased from the company or my bank said it was to old to finance. Then XXXX  told me to go back home and bring the car back. 
I later received an email from the rep that is handling my case that he received notice from the dealer and the Westlake that i put false information on my application and if i don't bring the car back that they are going to have me arrested I put insurance on the car full coverage how could i steal a car from someone i want to do business with its been thirty days tomorrow i already knew they was trying to rip me off after the guy hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a Checking Account at Bank of America. My account was overdrawn for a period time, approximately XXXX weeks. Bank of America recently closed my account without warning or providing possibly remedies to avoid this action. At no time did Bank of America attempt to contact me via mail, phone, or through their own website. If they had informed me of the potential for closure I would have attempted to work with the bank to form a plan to fix the problem. Instead Bank of America proceeded with a course of action with no notice. In addition to the closure, I had attempted to make a deposit of XXXX money prior to the closure. Since Bank of America closed the account without notice I did not receive my XXXX until nearly XXXX weeks later. If Bank of America had simply informed me of their intentions I would have worked to rectify the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Saturday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a Pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid over {$1300.00} in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

This is inexcusable. EdFi wants to keep their money and run. Give us our refunds and reinstate our balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX saying I have a PayPal debt. I do not and never had a PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding LLC Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I  have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
According to Fed loans, I do not qualify for forgiveness. They have said that I only have several payments towards the forgiveness and are not counting previous payments I have made though the years. My original loans were for approximately XXXX and I current owe XXXX! Although my salary may look high on paper, with inflation and the cost of my travel to work, including gas and tolls, I can not afford to pay the estimated XXXX. 
I am in debt and literally can not make ends meet and they have been raising the cost on everything and expect us to pay more!! I can not do it and it is not fair, I have been a XXXX XXXX XXXX XXXX teacher for XXXX years. We should be getting credit for that. Not to mention all the fraud I hear about from people who lie about being XXXX. I want to file a complain with the president but he is worried about things that have no importance. We are at the brink of war and student loan debt that will only get worse since so many can not pay it back when payments are reinstated. How do they expect us to live!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2014 i ordered a copy of my credit report from Experian and noticed a negative trade line being reported. i further investigated the problem and came to the realization that this negative tradeline was NOT MINE, it actually belonged to another family member but it was being reported on my credit report. Within the same month i applied for a credit card and was denied the line of credit due to this negative tradeline. This is proven because the credit card company sent me an explination on why I was denied. I disputed the error on my credit report with Experian on XXXX XXXX 2014 asking for the investigation procedure. On XXXX XXXX, 2014 Experian sent me another credit report without deleting the error leading me to believe they never fully investigated the error in the first place nor did they send me any info on the investigation procedure. I sent a second dispute letter to Experian on XXXX XXXX, 2014 asking them to remove this negative tradeline as soon as possible because it is denying me a line of credit. On XXXX XXXX, 2014 Experian replied to my dispute by sending another credit report WITHOUT deleting the negative tradeline again. On XXXX XXXX, 2014, i was sent a XXXX credit report stating the tradeline was removed. This led me to wonder who furnished Experian this information. Experian never sent me the investigation procedures. Ive called Experian multiple times asking how and why this was reported on my credit report and to explain the investigation procedure to me but all I got from their employees was nothing but a runaround and invalid answers. The employees refused to give me valid answers or lead me in the right direction for correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation