davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

XXXX is reporting on my credit file and should be remove must be removed this a collection account it they only have 180 day from the time they get the file assigned to a collection account to be on my credit on top of that it was charged of and a medical debt that was paid by insc. this account can deletd for any and all reason.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

1- They do NOT respond back within the 30 days deadline nor at any time. 2-They keep posting that I have made payments on the accounts when the accounts have been closed for years. 3-Especailly MIDLAND FUNDING. They have refused to accept a Certified Letter from the Court that notifies them that they are being sued for violating the XXXX 1692XXXX of the FDCPA. An employee looking at their computer screen, seeing my name listed in their database is NOT VERTICATION of any alleged debt.
Consumer complaint received 2022-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

Hello, I'm writing due to an issue with submitting a PSLF form to FedLoan servicing. I've submitted the form twice and the most recent issue was presented via a letter stating that the form I submitted contains missing information in section 3. However, when reviewing the section, the questions that were left blank are due to the previous question in that section saying " Yes- Skip to section 4. '' Since the response to that question in my case was Yes, the 2 remaining questions were skipped and I continued to Section 4. I spoke with a representative from FedLoan on XX/XX/22 who advised me to answer " No '' to the 2 remaining questions and resubmit. However, answering No to those questions does not accurately describe my situation and I fear answering " No '' would be inaccurate and could cause a denial. I waited on hold for 3 hours to speak with a PSLF counselor to verify this advice given by the representative, and was not connected. I was given a 60 day time period to respond to this " missing information '' but can not get ahold of anyone at the service for assistance. Three hours on hold is not a reasonable amount of time to wait. 

Thank you.
Consumer complaint received 2020-03-22
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: AES/PHEAA (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDLOAN XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

Received a letter in the mail from Transworld Systems Inc regarding a {$38.00} debt collection for XXXX XXXX account number XXXX. The charge is for XX/XX/XXXX. I have not used XXXX XXXX since XXXX of XXXX. The reference number for XXXX is XXXX.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022 I was attempting to send funds to what I was told was a business account for the purchase of a bicycle. Venmo has added a purchase of goods option for protection which I selected. Immediately upon sending the payment I received a notification that stated the payment could not be sent and subsequently received an email from Venmo that my account had been frozen. There is no specific information in the email or in my follow up conversations with Venmo to identify what specifically causes my account to be frozen. I hold a fairly significant balance in the Venmo accounts as I do use them to buy and sell some bike parts and bicycles. The email asked me to upload a copy of my drivers license which I have and I was told it would be resolved in 4 to 5 business days. It is now XX/XX/XXXX and my account remains frozen. Upon my contacts through the virtual contact system I was advised that additional information was being reviewed and additional 4 to 5 days would be required. No funds were transacted yet Venmo has frozen close to {$30000.00}. Ive done nothing wrong, used the correct protection feature when attempting to pay for these goods, uploaded the required documents, yet my account remains frozen with no explanation. I want my money and I want to forever close my Venmo accounts.
Consumer complaint received 2022-03-28
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. (GA)

I accordance with the Fair Credit Reporting act XXXX Account XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (OH)

I recently opened an Amazon Store credit card, issued through Synchrony Bank. About a week after opening the account, I was notified by Amazon security department that my amazon account was compromised, and unauthorized purchases had taken place. They locked my account, and cancelled all unauthorized orders, which all contained e-gift cards that were claimed by people who I have never heard of. Amazon sent me an email saying all transactions were being reversed. Two weeks went by, and the orders had been cancelled but my Amazon credit card ( issued by Synchrony ) had not been refunded. I contacted amazon numerous times, and they finally told me I needed to contact Synchrony Bank to have the charges reversed. I contacted Synchrony and opened a dispute. Several weeks went by, and I never heard anything from Synchrony or Amazon. I was forced to make a payment on the account to avoid late fees and a derogatory mark on my credit report. I contacted Synchrony and was told the dispute was closed due to lack of details, but they would open the dispute again. I have no faith in this process, given I already went through it before with no results. All of the charges that amazon told me would be reversed took place on XXXX XXXX and XXXX XXXX. There were a total of XXXX charges, totalling {$4000.00}
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

Grievance against Elan Financial Services and my Secured Credit Card closing mechanism fails to provide logical justification in holding my actual cash value for two months. I have legitimately paid off my XXXX. with Elan FS via XXXX XXXX XXXX. Therefore Elan FS has no logical justification to suggest nor to insinuate that a need to withhold my account money would protect Elan FS against a chargeback because the checking account belongs to me and I have proven it to you via this grievance. [ See screenshot-a. ] Furthermore, the XX/XX/2022 transactional records which are posted to my XXXX indeed show that it compromises all direct from retail merchants. Therefore Elan FS has no logical justification to be expecting transactional amounts to change. [ See screenshot-b. ] Furthermore, the account holder has only just incurred a single fee during the year of 2022 which was recorded on XX/XX/2022, 130 days ago, and there aren't any foreseeable fees. [ See screenshot-c. ] Please take note, the account holder has not made any international transactions, nor made any cash advances either. Lastly, the webpage hosted by Elan FS where the terms and conditions are located but before account approval, is apparently obsolete because upon viewing it and considering the fact there is a signature line which must be filled out in handwriting, I did not at all agree to it, Elan FS did not contact me to sign it, and Elan FS did not provide me competent contract terms. [ See N.J.S.A. 56:8-2 and see Rent A Center, Inc. v. Antonio Jackson , 561 U.S. 63 . / ( A determination that a contract is unconscionable may in fact be a determination that one party did not intend to agree to the terms of the contract. )
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

Good afternoon, This is where i currently am. I have an issue with my dealings with XXXX XXXX. First, a little background information. 
Sometime in mid XXXX, I contacted Rocket Mortgage for an FHA cash out refinance. During this process paperwork was submitted, credit was pulled, income was verified, appraisal was scheduled and, according to XXXX, the underwriter was actively reviewing my information. During one of the earlier phone conversations, I was told, by XXXX, " You don't have a mortgage payment due until XXXX. ". I understood this to mean that XXXX 's payment was unnecessary, as Rocket Mortgage was handling things. Some time later, I was asked for verification that XXXX 's payment was made. When notified that it was not, XXXX told me that I was disqualified due to there being a XXXX day late on my current mortgage. I was acting on information provided to me via a phone conversation, so as you can XXXX, I was a bit upset. 
I have contacted my current mortgage company, and they have agreed to review the case to have the late payment removed, but I have no proof that the phone conversation happened. I reached out to XXXX to verify. He refused to cooperate. I contacted XXXX, who also refused to cooperate. I asked for transcripts to the phone calls to submit to my current mortgage company, and was told that they would not be released, as they are proprietary. As you can see, I have very limited options. 
I am again asking for transcripts to the phone calls between XXXX and myself regarding my application. I have reached out to Rocket 's XXXX XXXX regarding this matter as well. It's quite simple. Please release the transcripts, so I can submit them to my current mortgage company. They'll amend my payment history due to extenuating circumstances, and I can refinance with another lender. It's really no more complicated than that. 
As of this writing, I am being stonewalled. 
Thank you for your consideration. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NV)

I paid off an auto loan held by US Bank around XXXX XXXX XXXX. To date, US Bank has yet to release the electronic title with the XXXX DMV and is unwilling or unable to release it. My car was recently totaled in an accident, and I need the title yet US Bank seems to be holding it hostage due to their incompetency.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: EarnUp Inc. (AZ)

My husband and I recently gave a mortage to VIP Mortgage. After receiving a letter from them on how to set up my automatic payments went on line to do so. Entered the website name XXXX after going to that site I clicked on the area to set up autopayments. this took me to a web site called Earnup.XXXX XXXX XXXX XXXX & XXXX & XXXX .I could not get it to so i called the help line. Unfortunently i did provide personal information to them until i figured out i was not speaking with a VIP representative. The person i was speaking to said i hade to pay them to have my autopayments made. I told that person i thought i was talking directly to VIP and hung up the phone. I then called VIP and that rep had me put in the same website address XXXX  and the correct address came up. He said somehow this other company that had shown up when i XXXX the website was a wrong site. I did work with VIP directly and that problem is solved. i then called Earnup and told them i had given them important personal information. i was assured that the information was not kept and the account at their site was not finished. The person i spoke to was XXXX. i am very upset that companies can lure you into their site by using a valid site set up by another company.
Consumer complaint received 2022-10-07
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. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-11-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Ria Envia, LLC (GA)

My friend attempted to send a money transfer through XXXX. I went to pick up the transfer and was told he had to contact a compliance number in reference to the transfer. My friend was told that I had gotten too many transfers and they were unable to fulfill the request. He had to pick up the money and the transaction was cancelled. I contacted XXXX and they told me they were unable to provide me with any information about the matter as they were limited. They offered no assistance and would not even state how many transfers it showed for me. I asked for a supervisor and she told me the same thing as the agent. My issue is : I have not gotten any wire transfers through this service. There were XXXX sent this year for me and I was unable to accept either XXXX due to XXXX denying me the ability to do so.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (CA)

I started a dispute with XXXX and Equifax regarding incorrect and inaccurate information on my back on XX/XX/2022. I have not yet heard back with the results or have I seen any of the requested changes to delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX 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.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Requested a {$10000.00} refund of payments from my student loan provider FedLoan. These were for payments made during the pandemic. I made my request on XX/XX/2022 and was promised that I would receive my refund back in 30 days. It has well exceeded the initial wait time promised.
Consumer complaint received 2015-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (IL)

I had set up my mortgage on auto-pay as I knew work and the holidays would be crazy. However, it slipped my mind. So when the XX/XX/XXXX bill came in, I paid it online. There was no notation on the bill, or warning on the home or payment page that our loan was on auto-pay. This seems very irresponsible of a company to not warn customers a payment has already been made and a warning of overpaying, especially when it is a significant amount - it is misleading and an incorrect representation of the account. Our auto loan and credit cards companies provide the notifications, so how are they not held to the same standard?
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TN)

I was current on my mortgage and requested a modification from XXXX XXXX XXXX due to my husband 's illness and loss of income and was denied because I was current. In the process, XXXX suggested a short sale of the property. After retaining a realtor and going through the short sale process, we received buyers who had secured their loan. XXXX accepted the offer. During the closing process, XXXX continued to require additional documentation which caused me to lose the buyer. By this time, my financial hardship was excessive. With the anticipation of a short sale closing, we accrued additional debt to move out of the property, which caused me to become behind in my mortgage. Consequently, XXXX XXXX XXXX forced me into foreclosure because of their negligence in processing the short sale. Two years later, I 'm being harassed by Ditech Financial, LLC advising that I still owe for the property, although, the property was sold back in 2015.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I previously opened a case regarding fraudulent credit inquiries appearing on my credit report from XXXX XXXX. The previous CFPB case was case # XXXX. XXXX XXXX promptly investigated my claim and found that these inquiries were in fact not authorized by me and requested that the credit bureaus remove them. XXXX and XXXX promptly removed the inquires. Equifax did not. I contacted Equifax directly through the CFPB and attached the letter from XXXX XXXX stating their intention to have the inquiries removed. Equifax responded to the CFPB and told the CFPB that they would investigate my claim. Equifax did not investigate the claim. Equifax opened a dispute which they close a few hours later and responded to the dispute stating that inquires were a matter of fact and that they would not remove them from my credit file. I am requesting that XXXX XXXX once again reach out to Equifax and request the removal of the fraudulent inquires. I have attached a copy of the letter from XXXX XXXX regarding the inquires which states the inquire ID and the date of each fraudulent inquiry to this complaint. I would also ask that the CFPB take action against Equifax for not following the request of XXXX XXXX and my request to investigate and remove the inquires. XXXX XXXX requested the inquires be removed in XXXX and it is now the end of XXXX and the inquiries remain on my credit report. I have copied XXXX XXXX and Equifax on this complaint. I have also attached screenshots of the inquires still showing on my credit report as well as screenshots from Equifax 's online dispute system showing that they opened and closed the investigation into these dispute within a few hours, did not actually open an investigation and denied me my rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Consumer complaint received 2023-03-30
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: Affirm Holdings, Inc (OR)

Affirm is a lending company that issued a loan for a motorized scooter to someone that was impersonating me. The loan was given to someone that had my SS # and had an old name before I was married, over 10 years ago and an old address that I have not lived at for over 14 years. It appears they didn't do a credit check or verify any information before lending this person $ XXXX. I have been trying to resolve for 2 months now and they told me yesterday that the I am still responsible for the loan. I filed a police report and re-filed my dispute. I do not understand how I can be on the hook for something they should have done. If they would have pulled credit they would see I have my credit frozen so when someone tries to get a credit card, loan w/ my ss # I am alerted and then can verify or decline the request.