davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

ADVANCE AMERICA LOAN NO. XXXX On XX/XX/XXXX I made a full payment in the amount of {$1000.00} with my XXXX Debit card. Payment was accepted. Two days later, I went to the local office to take out another loan and to my surprise, my account did not reflect the payment I made on line. I called customer service and explain the problem in detail, the agent informed me that she would forward the problem to her IT department to investigate what happen to my debit card payment and someone would call me back with the answer. NO ONE CALLED ME. Also keep in mind that I sent to messages via Adv. Amer. website and to this date no one has replied. I called on Tuesday morning and was told by a second agent that the payment failed and was not processed. I was very upset but at least had the answer so this time I used my XXXX checking account to make the payment which was now over {$1100.00} ( paid additional interest for Adv. Ame. XXXX UP ) The money was taken from my XXXX account the same night XX/XX/XXXX and the Adv. America shows XXXX balance. 
Today XX/XX/XXXX I went to take out another loan and was told that the " payment was still in process '' and I had to wait 3-5 days to be able to borrow again. I was never given the opportunity to call XXXX to confirm that Adv. American had been paid. I made a third call and this time I spoke to a supervisor and she did not do anything to resolve this issue and refuse to do anything about the additional interest I had to pay through no fault of mine.
Consumer complaint received 2021-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I have received your denial letter ( body noted below ), and Im confused. On three separate occasions ( XXXX, XXXX, and XXXX ) when I spoke to your representatives via telephone, I was told everything was good to go, and to halt continuing making payments, because I would just get this money back anyhow, and it would mess things up if a payment was made after approval. I have been making payments since XXXX, when you said that I needed to be making payments of {$580.00} per month to accumulate 12 months of payments. With the advice of YOUR employees, I halted my XXXX payment. Now Im told by you that I am supposed to make these. This is extremely confusing and frustrating. 

According to the CARES Act, dated XX/XX/2020, months during the pause will continue to count toward the 120 payments required by the Public Service Loan Forgiveness program if the borrower works full time for a qualifying employer during the suspension period and also toward payments that are required to receive forgiveness under an income-driven repayment plan. 
I am seeing data that states that I had to already be in an income-driven repayment ( IDR ) plan prior to signing of this bill. Is this the reason for the denial, or is it as your employees stated to me, that I am automatically included in this? But since I am actually NOT in an IDR ( just the equivalent ), does this even matter?
Consumer complaint received 2019-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Prizm Financial Company, LLC (MI)

I purchased a car through Prizim Financial ( in XXXX, Ohio ) back in XXXX with a co-signer ( my mother ). I was the main leaser on the vehicle. I turned the vehicle in for a voluntary repossession after an accident and the company refusing to work with me to get another vehicle. The woman working there called my co-signer asking about the next payment and never contacted me. My co-signer and her had a bad conversation to where the woman said she would not accept any further payments on the vehicle and if it defaulted she would pursue garnishment towards me and my co-signer. When I called in to speak with her she refused to speak with me. My co-signer was then issued a garnishment letter as so was I ( I was working part-time and ungarnishable based on wages ). When I tried to speak to the lawyer over the case ( XXXX XXXX ) he refused to offer any settlement or set up a payment arrangement, stating that his client did not want that and suggested bankruptcy. When the car was turned in there was a balance of {$3000.00} left on the vehicle. My co-signer has since become chronically ill and unable to work and I was recently in 2019 issued a garnishment letter at my new employer ( where I still work part-time ) out of the state from where I purchased the vehicle, and the balance reflects {$6100.00}. It appears as if the garnishments never paid anything. When reaching out to the lawyer I still have not received a call back. When calling the car company to speak to someone about this again even though it has been years later, I was told " yea that sounds like something XXXX would say. '' When this initially happened I was considering bankruptcy but did not have enough debt to file ( and I still do not ), and the lawyer told me that he used to work for the company and decided to stop working for them because they did this so often, and since being a bankruptcy lawyer has dealt with so many cases from this company around the same issue. I'm not sure how this can be resolved when not even given the option to make a payment, and being refused to be spoken to when I was the main person on the account. After reviewing this company they have several complaints with the XXXX XXXX   XXXX regarding unfair lending practices, a 1 star rating as well as a 1.5 star rating on XXXX and various same complaints.
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Properties Group, LLC (WA)

Good morning! My father and I was took out a mortgage loan together as borrower and co-borrower and used our home as collateral. Last year my father passed away due to covid complications. I as co-borrower called mortgage servicer to inform them on the passing of my father and to see what I can do to take over mortgage since I lived on the property. The person I spoke to informed me that the loan had just been transferred to their facility and they did not have all documents on file yet. It was then that this individual provided me with the lenders number so that I could talk to lender on what was needed on my behalf. I contacted this lender individual and asked if he could send me copies of documents they had on file such as deed/title & promissory note. He informed me he would work with me to find a solution so that I could modify loan and take over mortgage. I sent all information he needed such as my fathers death certificate, I filled out paper work he had emailed me & sent out my income information, etc. Then out of no where he indicated My sister & step moms lawyer contacted him indicating they were owners and they would be paying off mortgage loan and basically dropped me. He informed me I was co-signer and for me to get a lawyer. He informed me he would keep me in the loop on what they ( sister/step mom ) were planing on doing. I informed him I was partial owner on mortgage loan making me co-borrower not co-signer. I called him once again and he never answered. I sent email and did not get a reply to that email. I then contacted mortgage servicer to see what I can do since I had already made several payments on mortgage loan. They informed me to call lender and work it out with them. I was recently evicted from the property my father and I owned by my step XXXX & XXXX and was informed I had no legal rights. I have called so many places in which I could get some help I even hired an attorney but he basically misrepresented me and I lost out on a significant amount of money in which I could have used toward the loan my father and I obtained jointly. If theres anything you can do to help me figure out my rights or how to go about this I would greatly appreciate the help.Thank you & XXXX bless! 

Respectfully XXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

It Started on XX/XX/2018 ; When the initially on signing VA mortgage loan note from Freedom Mortgage Company taken ownership to a real estate property in the area that I am now residing, until XX/XX/2018, When I asked my insurance company that I asked to have my statement to send to me personally, in XX/XX/2018, this company, named XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX for the amount of {$110.00}. This caused a mess in all the situation. but first it was the Mortgage Co. At first the mortgage stated, " that I had to come up with the first installment to my home owners insurance., In which I signed a paper stating that the mortgage company had to pay to them.

All Said and done lost my discount price to the home owners insurance from {$22.00} to over {$59.00}. 
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Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX, Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX 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 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 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via annualcreditreport dot com. I tried requesting my report using my correct legal name XXXX XXXX XXXX XXXX XXXX and all three bureaus notified me that my credit could not be pulled. I also tried using my former name XXXX XXXX XXXX XXXX XXXX, with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the transgender community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.
Consumer complaint received 2020-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I have a PayPal account. I had a balance of {$290.00}. On XXXX XXXX, 2020, I logged in to the account to transfer the money to my bank account. The money was gone. I contacted PayPal. They stated I had transferred the money to a VISA card ending in XXXX. I contacted them again advising I did not transfer the money and did not have a card, VISA or any other type, ending in XXXX. PayPal has continued to insist that I transferred the funds. Upon further investigating. my PayPal account showed a phone number XXXX. I XX/XX/XXXXthe number and it showed it belongs to a XXXX XXXX in California. I do not know this person nor have had any contact with them. Also, the recording at PayPal said I needed to verify a XXXX email address. I do not have a XXXX email address. I had one approximately 20 years ago. I use XXXX and XXXX mail now. I contacted PayPal again with this information and they still insisted that I transferred the money. I sent two letters dated XXXX XXXX, 2020, mailed XXXX XXXX, 2020 and delivered XXXX XXXX, 2020, at XXXX XXXX. As of today, PayPal has not sent the information concerning the unauthorized transaction. This is an unauthorized transaction or identity theft. PayPal has been uncooperative. I would appreciate any assistance you can provide. I filed a complaint with the XXXX  yesterday. I plan on filing a police report, a complaint with the Attorney General Offices for XX/XX/XXXXand XX/XX/XXXX, XX/XX/XXXX and any other agency that can assist me. Please help. I did not authorize the transfer. This is an unauthorized transfer and/or identify theft. Someone has my personal information and I need to know so I can prevent further theft.
Consumer complaint received 2022-08-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried with Trans Union to obtain information about whom was reporting on my activities at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. In there report to me when I asked to see my credit report, in the report someone at this address a building complex of Co-Op that someone or those who live there, where reporting on my activities while I lived there. I was born and raised in XXXX XXXX at this address. I have trouble finding work. Whom is speaking about me to the Trans Union Report, what was reported, whom is gathering this information and how have they used this information gather process. I asked the above questions to Trans Union. they have not given me an answer. I have the right under the FTC and other civil rights to know whom is speaking to the public company since most employers asked about credit report about hiring people.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently noticed that there was an account on my credit report that I never opened, then i decided to do some investigating myself which also led me to findout that there was a checking account also opened without my knowledge. This is when i found out that i was a victim of identity theft. I closed the checking account and decided to file a federal trade commission identity theft report. I used this document to help me remove this fraudulent account off of my credit report. I contacted the creditor and the credit bureaus, sent them the needed documents to remove this account but both kept verifying it as accurate.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I already paid this debt but still hurting my credit score please help me PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX PHONE XXXX | www.portfoliorecovery.com XX/XX/2022 Re : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Dear XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ 0.00*. Please retain this letter as proof your account has been settled. 
Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our company 's tradeline related to your account from your credit bureau report. Portfolio Recovery Associates , LLC can not control how fast the credit reporting agencies process requests. 
*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 
If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX. to XXXX XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX ( ET ). 
Thank you for resolving this account. 
Sincerely, XXXX XXXX XXXX Portfolio Recovery Associates , LLC Representative
Consumer complaint received 2021-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a complaint with the CFPB on XX/XX/XXXX regarding a duplicate hard inquiry on my credit report from Capital One Auto Finance on XX/XX/XXXX. See attached Complaint # XXXX. Capital One Auto Finance responded with the attached letter dated XX/XX/XXXX, providing in part : " If the dealer provides us with a letter, on dealer letterhead, stating the corresponding application was submitted in error, we will submit a request for the inquiry to be removed. '' On XX/XX/XXXX, the dealer, XXXX XXXX, faxed the requested letter to Capital One Auto Finance at the fax number provided and included a copy of the company 's XX/XX/XXXX letter. The company then sent me a letter dated XX/XX/XXXX, requesting " additional information, '' all of which is contained in the original complaint and supporting documents, the company 's XX/XX/XXXX response letter and/or the dealer 's XX/XX/XXXX letter. 

Please re-open the complaint.
Consumer complaint received 2022-02-10
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: CITIBANK, N.A. (OH)

I had two disputes for a merchant from 2021. The company is XXXX car wash which is managed by ultimate wash concepts. The first dispute was properly resolved from XX/XX/2021. The merchant charged me again on XX/XX/2021. The merchant has provided myself and Citibank notice of refund but Citibank closed the dispute and reversed the charge. Their own feedback to me clearly shows a receipt from the merchant showing the payment was refunded, but Citibank never processed this transaction. Subsequently, they denied my dispute. This is total mishandling of a federally required dispute process. 


I have attached the denial letter. I have attached the receipt showing the refund. I have also attached the emails from the merchant to myself and Ohio Attorney General Office. I believe this evidence is sufficient to obtain my refund and penalize Citibank.
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.