davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

I paid four of my five student loans in full with a refinance through XXXX. I left one student loan open because the interest rate was lower than my refinance. I owed a very small amount on " loan sequence 2 '' and had pre-paid a couple of years of payments on that loan. XX/XX/XXXX I decided to start re-paying the debt that was pre-paid through at least XX/XX/XXXX because I would like to start a family and thought I should get rid of that loan first. When I made the {$92.00} payment, all four of the closed loans re-opened. I called onXX/XX/XXXX to complain to XXXX as the 4 loans should have been paid in full. I told XXXX XXXX that I wanted the loans which re-opened with credit to be reapplied to the total debt owed and DID NOT WANT checks sent to me. I was told no little checks would be sent. I received two checks for about {$2.00} each about one week later. After two calls and multiple escalations I was told my loan would be entered into a " lead review '' which would take two weeks maximum. After two weeks, I called again and I was told the process could take up to 30 days. Meanwhile, the amount owed increased. I continue to call XXXX and the problem is not fixed. XXXX is now reporting my credit as OVER 260 DAYS PAST DUE which is a LIE and IS Seriously affecting my credit. I had to buy a new car and was not able to get the promotional rate. MY LOANS ARE REPORTING AS ALMOST IN DEFAULT WHICH IS A LIE. MY CREDIT IS REPORTING AS HAVING SERIOUS DELINQUENCY WHICH IS A LIE. EVERY TIME I CALL XXXX they demonstrate a complete inability to assist me. The first person who answers informs me my loans are significantly past due and in risk of default after multiple escalations I finally reach someone who has a clue and says it normally does not take this long to correct. It has been a month and a half and my credit is messed up. 

Additionally, XXXX never explained to me the consequence of paying the income based repayment. My loans therefore capitalized as follows : on XX/XX/XXXX - {$10000.00} and on XX/XX/XXXX -  {$550.00} ( despite on time regular payments since the first due date XX/XX/XXXX. I made regular on time payments until XX/XX/XXXX. On XX/XX/XXXX my interest capitalized {$17000.00}. This added a total {$28000.00} to my amount owed. I then made on time payments until XX/XX/XXXX and I paid 4 of my loans in full in XX/XX/XXXX
Consumer complaint received 2016-05-19
Product: Payday loan — 
Issue: Can't contact lender — 
Company: SECURITY FINANCE CORP (NV)

I have informed Canyon Finance to not contact me every single day. I can make the payment on the next payday and they keep calling multiple times a day to inform me that I owe them money even tho I told them to stop calling me. They have even called my step sister XXXX and I asked them to stop and they call me and all my references even tho I am paying them but the payment is late. Most places will work with you. They intimidate me to take out another loan and call me multiple times a day if my payment is late. I informed them to stop and they have threatened me with statements like, " we 'll just see about that. '' That was when I told them I would report them to XXXX if they did n't stop calling me multiple times a day.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TX)

I have been unable to use my approved TD Bank Retail Credit Card for XXXX XXXX sinceXX/XX/XXXX ( the date I was approved for $ XXXX credit ). I have tried numerous time to contact the company and have experienced extremely long wait times to the point of abandoning the call after several hours of waiting on hold. I have tried sending inquiries and message on their online account portal and not received any email notifying me of their receipt of my inquiry, nor any assistance on resolving the problem using my card on the XXXX XXXX website. XXXX XXXX is blaming TD Bank for the decline messages I am receiving and is advising to contact TD Bank directly for assistance.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX To : The Office of Registered Agent for Portfolio Recovery Associates LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2018-05-11
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: EQUIFAX, INC. (CA)

1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US. 

( A ) SERVICED ON THE ENTITY : XXXX XXXX  ; XXXX XXXX XXXX ; XXXX, PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

I recently had my PNC debit card stolen and misused. PNC took care of the problem and returned my stolen funds. I then transferred money out of the account. The bank made an error and supposedly returned more than they should have. Okay, so now theyre telling me I have an overdraft in the amount of {$4900.00}. I didnt write any bad checks or anything like that to get this overdraft. I simply transferred money from my account that they said was available. If it wasnt available to me, then thats PNCs mistake, not mine! I only went by what the bank told me was mine. I didnt think Id have to check their math! The money is out of my hands at this point. They need to own up to their mistakes.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: OPTUM BANK, INC. (CA)

I have a XXXX XXXX account with Optum Bank ( FDIC # XXXX ) with a balance over {$6000.00}. They sent debit/credit cards for myself and my wife. The card indicated to to activate and set a PIN, call... XXXX XXXX XXXX XXXX That number is for an automated recording with no ability to take to a person. The first time We both called, after following the directions we received the recording that the card service can not process your request, please contact customer or member services. 

We called that number, which appears to be a foreign call center. They said they could only activate the credit card, but could not provide a PIN to activate the debit card, and said only the automated number can issue the PIN, so call again. We made many attempts but could not get a PIN. 

We called the customer service again who issued XXXX new cards. Again the automated number refused to activate and provide a PIN, and referred us again to the foreign call center. Again they activated the credit card, but not the debit card. They said only the automated number can do that. We made a number attempts to activate the debit card and each time were informed call customer service, who said they have only the ability to activate the credit card, but not the debit card. 

When informed that our primary use would be at XXXX, which does not accept this credit card, the said we could seek reimbursement. 

It appears that Optum bank makes it impossible to access my own funds via a debit card, but wants to keep the float, requiring that I pay up front and seek reimbursement, by refusing to give customer service the ability to activate the debit card. The banks web site does not provide a telephone number for its main office location in XXXX, XXXX
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Reach Financial LLC (VA)

Since XXXX, I had been paying XXXX XXXX XXXX monthly to help me pay off debt. On XX/XX/XXXX, I received a phone call from XXXX stating that since I was good about making payments, they recommended that I speak to Liberty Lending who would pay of my remaining debt and I would start paying them. 

After speaking with Liberty Lending, I pointed out that I didn't like the XXXX XXXX interest and I specifically asked that if I signed, if I could back out of this agreement. They have this on a recorded phone call. He told me the loan process would probably start XX/XX/XXXX or up to XXXX days since when we spoke and that I had XXXX  days to cancel. I was under the impression that I could cancel. 

After the phone call, over the course of a week, I discussed this opportunity with a family member and also my best friend. My best friend told me that they could lend me the remaining amount so I would not have to worry about the high interest. The following week, I called them to see about canceling the loan. They told me to call XXXX XXXX XXXX. XXXX XXXX XXXX said it was out of their hands and that the process had already started, meaning that they had already started paying my debt. They told me to call back Liberty Lending, which I did and they told me there was nothing I could do because the process had started. She said that within days ( not specified ) that the process would be finalized and I would get an email. I then asked for the loan agreement and it never got sent to me. 

This past week I got the finalized notice via email and I have been going back and forth between XXXX XXXX XXXX  and Liberty Lending trying to get answers as to why this happened so quickly and why it happened without my ability to cancel. I also expressed how upset I was that XXXX XXXX XXXX literally threw me to the sharks so I could pay almost XXXX extra on debt that I was trying to pay down. 

I never had a fighting chance to get out of this loan. I felt extremely pressure the first day I spoke to them and I should have listened to my instinct. They misled me and in my opinion were highly unethical to do this. Now, I am stuck paying an additional {XXXX}. XXXX where if I had stayed with XXXX XXXX XXXX, I would not have to pay that. This is not right, it's not ethical at all. This should not be legal but people get XXXX every day apparently. I should have been able to cancel the day I called to cancel, which was less than XXXX days.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSWORLD SYSTEMS INC (MD)

Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.
Consumer complaint received 2018-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sterling Credit Corp. (TX)

I made both of my biweekly payments for XXXX together iao XXXX. My payments are usually XXXX every two weeks. I made it early this month so I didnt have to make it XX/XX/18. I got a bill in today saying they got my payment and I got another one due XX/XX/18 when I made both on XX/XX/18. This company has been a nightmare to deal with since they took over my loan. Rude reps when I call in and now this inconsistent billing stating I owe again when I do not for XXXX. I want this to be consistent and for the over billing to stop. I made my payment and feel harassed. I want this XXXX corrected.
Consumer complaint received 2021-11-04
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. (AZ)

I made a purchase online through an ad on XXXX to buy a 799 pc tool set and a 12.5ft flexible Aluminum ladder. 

I received a 12pc tool set and some small pieces of plastic tied to strings I disputed the charge with Citibank noting the Product was not as described Citibank asked that I sign a letter and send them pictures of the product. I did so on XX/XX/XXXX via email. 

Citi removed the provisional credit on XX/XX/XXXX noting that the merchant sent a tracking number and the item was received. Citi requested that I sign another letter noting that the iem was not received. 

I spoke with a representative in late XX/XX/XXXX who noted that the letter was incorrect, they could see the pictures I sent were not of the product ordered and that they would resolve the issue. 

On XX/XX/XXXX I received another email noting that I had a document. The document was the same document noting that the merchant sent a tracking number for the product and my provisional credit was removed. 

I called Cit on XX/XX/XXXX and they said I had to sign the letter by XX/XX/XXXX or the dispute will be closed. I noted I can't sign the letter because I have receive a product but it was not as described. I noted that I was already told this would be resolved by the previous Rep and they said that was false. They recognized the letter is erroneous but " This is the process '' and I have to sign it. I spoke with a supervisor that said " This is the process '' and they will talk to the investigator to get a new letter out, but I have to sign by XX/XX/XXXX. I can't sign the letter since it is wrong so I get to wait for Citi to fix the error and sign a letter AGAIN saying the product is not as described. 

Citi makes disputes extremely difficult to avoid their federally required responsibility and passes fraud on to consumers.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (MD)

On XX/XX/XXXX I placed an application on a 2 bed/ 2 bath & den at the XXXX   at XXXX and CoreLogic violated Fair Credit Reporting Act, 607. Compliance procedures [ 15 U.S.C. 1681e ] : Section ( b ) Accuracy of report. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' CoreLogic erroneously reported an unverified non-existing open court judgment for $ 3,500+ with my CURRENT property management company XXXX XXXX XXXX dated back from XXXX. How is that possible if Im a current tenant in good standing? Had CoreLogic followed reasonable procedures to assure maximum possible accuracy, such as checking the actual court records or contacting the alleged judgment holder that I currently am still leased under, this erroneous open landlord/tenant judgment would not have been reported. As a result on XX/XX/XXXX ; I received an Adverse Action Letter from The XXXX at XXXX advising me that they are unable to approve my application : " This adverse action has been taken in accordance with the requirements of the federal Fair Credit Reporting Act, 15 U.S.C. 1681m ( a ).

This decision was based on : [ X ] Information contained in consumer report ( s ) obtained from or through CoreLogic XXXX XXXX XXXX XXXX, which may include credit or consumer information from one or more credit bureaus or consumer reporting agencies. '' I reached out to CoreLogic on XXXX XXXX and that is when I learned of this " outstanding judgment '' when I asked the representative did they verify that information prior to " selling '' this inaccurate information to a leasing company that determines if I get approved or denied for a rental lease. She said no and stated that " it must not have been updated ; I'll submit a dispute now and you will the results within 30 days ''. This is a very difficult development to secure a 2bed-2bath, Den and I have a deposit that is about to be refunded to me due to this error. After explaining the urgency ; I requested if they could expedite it because there is no court records or my current property manager to confirm this information ; I was told no.
Consumer complaint received 2020-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (TX)

I started an express transfer on XX/XX/2020, and the money was supposed to reach its destination by XX/XX/XXXX. I called their customer line on XX/XX/XXXX and XX/XX/XXXX, and each time they asked me for personal, sensitive private information ( bank statements ). After complying with their requests, they assured me each time that their partner bank had approved the information and that the money would be deposited in the recipient 's account after 2-4 hours. Money is still not available after a week. 

Starting from Friday XX/XX/XXXX, they have stopped answering calls, emails and chat. On their help page they specify to call if a pending transfer has issues, but lines only have a pre-recorded message to use their help page. Even their twitter account stopped responding since Friday.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (OR)

XX/XX/2018. I got an apple credit card for some headphones, i was able to pay with the credit card when i applied for it. Never received my card or bills. Only a bill when i was considered a delinquent account. I have tried to get ahold of them but i am on hold for hours everyday and could never get to a customer representative. The headphones i bought were {$160.00} and now I owe {$470.00} because they never sent me a card to set up my account.