davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Dear Sir or Madam : I have a huge problem with the XXXX. When I attended XXXX College in XXXX, NJ in XXXX I was only aware of a XXXX XXXX loan. That loan was paid in full in XXXX. However, shortly after I began hearing from the HESAA. They said that I owed them about the same amount of money. 

In XX/XX/XXXX, I received a notice that the HESAA loan was in default. I called the HESAA about it. The woman I spoke to was very unprofessional and curt with me claiming this loan to be mine. She promised me a copy of the promissory note and hung up on me before I could ask other questions. The same thing happened to me again with the same woman when I called a few days later. I never received that loan copy ; only more bills. 

Then in XXXX of XXXX I received notice of my loan debited out of my current salary unless I objected. I only work part-time and have been in and out of the Welfare system for the past three years. I sent in for arbitration and made a written request for my loan paperwork. It is that paperwork I received back that is making me so upset. 

Not only did I receive loan paperwork in my name for another loan provider on an outdated form with no loan amount on it and two paid off loans that were over 26 years old, but they had sent me a total of SIX other notes for three other completely different people. Each loan form had a different name, different addresses, different social security numbers, and different colleges. None of the loan documents, including my own, had the social security number blacked out. I am asking them for a least a year of XXXX XXXX service for this breach of confidential information. These people are obviously not me. I am wondering who they are sending my information to. 

I had complained to the arbitration board previously about the hang up calls and unprofessional service when I sent the letter requesting my paperwork. To my knowledge nothing was done about it. A financial hearing was started. 

Someone from the arbitration board did call, but they wanted my personal information which I refused to give. They had called me and not the other way around. The only information exchanged during that conversation was that there was new information about what they were claiming my loan to be and that I was upset about the breach of information of three other people. 

I am currently making a new complaint for the loan forms received as well and to request a different arbitration hearing. That paperwork has not been sent out yet. I am planning on sending it on Tuesday XX/XX/XXXX. The original complaint letters and the 8 promissory note copies for both myself and the three other people they sent me will be available for your review upon request. 

Thank you for your time and attention in this matter.
Consumer complaint received 2023-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

XX/XX/2023 - I submitted SCRA benefits package for SCRA benefits to be applied to a recent home loan. 

XX/XX/2023 - Received a letter from PennyMac stating I was not eligible for SCRA benefits as the loan originated after my initial entry into the military. I responded to the message stating Louisiana had laws in place that covered servicemembers regardless of entry date in relation to loan obligation. I am living and working in Louisiana due to military obligation ( PCS orders ). 

XX/XX/2023 - Received message from PennyMac re-iterating I do not qualify for SCRA benefits in this case. 

I have received SCRA benefits for my car loan ( XXXX ) as well as three credit cards and also know of another member that has received benefits for her mortgage with XXXX XXXX. 

I am hoping to get some clarity/resolution on this matter.
Consumer complaint received 2019-05-26
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: Experian Information Solutions Inc. (NY)

I reported to Experian, XXXX, and XXXX XXXX that there was a false name by the name of XXXX XXXX XXXX on my credit report, that my work history was incomplete & only contained 2 of my employers on it, and that someone is using my credit file. I reported also that there is also a quasi governmental official who is keeping my credit at a certain level for all three bureaus and take points away depending on their needs. I also am reporting that they are also keeping my credit at a certain level according to different ongoing factors that are being engineered and reported in real time such as my search for an apartment and other things I may need credit for, especially Experian. Experian also offers the Experian Boost service which I have attempted to use on several occasions and that they will not allow me to use the Experian Credit Boost feature even though I am paying for Experian services each month. I am also stating that these individuals are taking and giving points only my credit score according to some sort of racket and fraud, and they are being taken away for a person falsely and illegally linked to my credit file.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Well Bank of America took my unemployment benefits off my card and left my balance in the negative ... I have Bill 's and I'm a single mom with XXXX kids and lost my job during the beginning of cod-vid 19.. my kids birthday and XXXX is coming .. I'm behind on my rent please help me fix this mess that Bank of America put me in
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OH)

XXXX  changed servicers for their credit card to Barclay 's. During this timeframe apparently my terms and fees changed from servicers because I was suddenly charged a few bucks in foreign transaction fees on my card from the previous servicer XXXX  to the new servicer Barclay 's. I called and cancelled my card. I informed them that I wished to close the account based on this issue when they asked why I wanted to close my account, but they made no attempt to explain or refund the foreign transaction fees on my account. I didn't sign up for an account that had these fees. It was not fair when the servicer changed that the fees increased and changed as well. I did not agree to this.
Consumer complaint received 2019-05-26
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. (PA)

XXXX XXXX notified me of a hard inquiry reported by TransUnion ( this inquiry is NOT reported by XXXX ). This inquiry is reported as being issued from XXXX XXXX on XXXX XXXX, 2019 I bought a car from XXXX XXXX on that date. I paid cash, and DID NOT apply for credit. The dealership demanded my social security number, stating they were required by NSA regulations to run my name and SS # through the system to make sure I wasn't a XXXX (!!! ) They assured me it would not appear on my credit report. Now it HAS appeared, and as a HARD inquiry. 
I went to the TransUnion website to open a dispute, but it requires that I buy a subscription to do so.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

they keep calling and never leave a message or identifiy themselfs, i XXXX the phone number and i found out that they are genis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse, i have put in several complaints but they keep calling and hanging up at least once to twice a week
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Disputed this fraudulent credit item with XXXX Report Number : XXXX who states item verified. The company was unable to submit verifiable documentation of the debt. Submitted notice of possible violations to all parties ( XXXX  & Its Client Data ) FCRA Section 1681 ( C ) ( 1 ) ( 6 )  FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines. 

COPY OF NOTICE SENT ALL PARTIES ============================================================== CONSUMER COMPLAINT NOTICE! 
FCRA Section 623 VIOLATION!!!!! 

FCRA 5 U.S.C. 1681s-2 FURNISHER VIOLATION!!!!! 
( 15 USC section 1681e now being enforced pursuant FCR 15 USC section 1681i ) PUBLIC LAW 910-508 Title VI CCR/Sec.617 MORTGAGE LOAN PENDING!!!

( Principal amount in excess of {$50000.00} ) Final NOTICE! ( XXXX  & Its Client Data Reporting ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines RE : XXXX Report Number : XXXX This letter is a request to have the below listed accounts re-investigated, corrected, the reporting creditor denies having been contacted by this bureau in reference to this issue. Moreover, the reporting creditor is unable to provide verifiable documentation of reported debt to XXXX. Pleas removed this negative item from my credit files, and all unauthorized inquiries updating credit file with these corrected changes ASAP. These incorrect items is affecting my credit score which has caused problems with acquiring mortgage financing approval for my home purchase, and also, there may also be a violation of 15 USCS 1681e, including FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} {$2500.00} statutory fine. Send names and addresses of persons recently contacted with 30 day. This information needs to be corrected before my mortgage loan go into underwriting as soon as possible. Please mail me an updated copy of my credit report including credit score to submit to my loan officer. Moreover, Im requesting that all unauthorized inquiries be removed from my credit files as soon as possible. Thanks! 
Cordially, Consumer Attest/Signature : XXXX XXXX Cordially, LOAN CLOSING DATE : XX/XX/XXXX XXXX XXXX SSN # : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ga XXXX cc : Consumer Complaint Board Consumer : Creditor Name Acct # Comment PORTFOLIO RECOV ASSOC XXXX. Not Mine XXXX XXXXXXXX XXXX Never Late Inquiries XXXX Remove All Unauthorized Inquiries
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

THERE ARE LATE PAYMENTS IN THESE ACCOUNTS THAT ARE INCORRECT, I ALWAYS PAY EVERY ACCOUNT AND I NEVER WAS LATE. 
XX/XX/XXXX Account Number : XXXX XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (ME)

I believe Penfed is specifically targeting me because of a previous unrelated complaint filed before the CFPB and XXXX regarding their misconduct in the past. Even if they're not, they are failing to abide by their own policies and failing to treat all members equally as required by XXXX law. 

When I went to open a checking account I provided both my Social Security XXXX and a REAL ID certified State issued ID which is both photographic and provides my address. 

Strangely, Penfed requested a third document, which I complied with. First they wanted " a picture of my phone bill '', which I sent, and which did not satisfy them because it was not in PDF format. I then sent an excerpt from the bill in PDF format, which they rejected because it did not show my address. I explained that they already have my address verified via my license which is how I am able to have a savings account with them and that Straight Talk does not show addresses on their statements. 

Penfed replied that I would need to send a utility bill in XXXX and PDF format which showed my address, so I looked on their website for the acceptable document categories and obliged by sending a PDF XXXX copy of my internet bill which shows my address. 

Penfed responded that an internet bill isn't acceptable for address verification, which is highly irregular because their website clearly conveys that an internet bill is specifically XXXX of the accepted documents for address verification. This is something I explained to the representative, to which they became confused and essentially went " nuh-uh. '' I shall include a screenshot of the website clearly stating that an internet bill is an acceptable document for these purposes. Again this is a member owned institution that has my ID, my social security card, my phone bill and my internet bill, but it is constantly erecting XXXX XXXX blocks and playing stupid instead of behaving professionally and appropriately.
Consumer complaint received 2020-12-07
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: ERC (NY)

On XXXX XXXX, XX/XX/XXXX ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XX/XX/XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rauch-Milliken International, Inc. (FL)

I entered into a contract with XXXX. They failed to provide services that I contracted, constituting a breach of contract. I attempted to resolve said problem with XXXX XXXX XXXX ( XXXX Customer Service ) since XXXX, 2019. I also had several meetings to resolve issues with XXXX XXXX in my office. Witness to these meetings : XXXX XXXX. There was no resolution of my issues and in each case, the bill was disputed. I have requested a detailed bill of all payments and invoices. Additionally, I need the numbers presented to me by Mr. XXXX ( thousands of people inquring about my business ). Todate, no one has contacted me via phone, XXXX, of walk in client. This information was disputed. Mr. XXXX, in last meeting stating that I can pay more money and go to the next " level ''. That is not what I contracted for. To date, I have not received the " traffic '' promised. Additionally, the Website was not completed according to my instructions. Now I am being threatened and interrupted with numerous calls, interrupting my job. The information that I have requested to resolve this issue has not been presented. Additionally, a third party was given information regarding this debt issue in violation of FCCPA. The constant calls and email threats are also prohibited collection practices in the State of Florida. An investigation of this matter is warranted
Consumer complaint received 2019-05-09
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: CCS Financial Services, Inc. (ND)

On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through CCS Collection for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX  and CCS collections who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time XXXX  has allowed information for this man to be placed on my report
Consumer complaint received 2019-05-24
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: The Best Service Co.,Inc (CA)

The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XX/XX/XXXX.  And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I became POA on my mothers acct. that she was the sole owner of.My neice transfered XXXX from the acct.The bank knew my mother was in a XXXX XXXX and she could not have made the transfers.As I look back now ther has been over 7000.00 transfered online from a sole acct to their joint acct.I have medical records and a police report that I have faxed to Wells Fargos fraud team.Some days there were 3 online transfers.And Almost everyday she was transferring money from the sole owned acct.from my mother.She used my moms info SS # to set up an online acct.My mother was XXXX or so.The acts only go back 5 months.Shame on Wells Fargo.XXXX would have froze my acct.or at least called me.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (NJ)

The debt collector has not provided me proper debt validation for this allege debt. I requested the original contract with XXXXXXXX XXXX XXXX with my signature, I requested my payment history with XXXXXXXX XXXX XXXX  XXXX a proof of debt assignment. They have not provided any of this information. Please delete this from my account.
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : XXXX
Consumer complaint received 2019-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One Customer Number : XXXX. 
On XX/XX/2019 myself ( XXXX XXXX XXXX ) was approved for a Secured Capital One MasterCard, where I deposit {$49.00}, and receive a {$200.00} dollar Credit limit. And where the Deposit is refundable. Also after 5 On-Time payments will receive an increase in credit. See attached XX/XX/2019 email.  After mailing Lawful Payment via Money Order dated XX/XX/2019 ( see attached ), the Lawful Payment was refused, See Capital One letter dated XX/XX/2019. Also, lawful payment via XXXX Visa Debit Card are also refused. Capital One only accepts personal Check 's, or checking account with bank tracking number. This strips away the Consumer Protection when paying via XXXX Visa Debit Card the payment will only be authorized if there is sufficient funds in the checking account, thereby avoiding Overdraft Fee 's of {$36.00} dollars, a Consumer Protection granted by Act of Congress. Capital One is surcomeventing ( getting around, undermind ) this Consumer Protection by demanding a personal Check or Bank Tracking number and Account number.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Summary : Experian has a credit freeze on my account, will not lift it, and does not have any way to contact them by phone. 

I have a credit freeze with Experian. I initiated the freeze approximately 10 years ago. In the ensuing 10 years, I was able to remove my freeze using Experian 's online system. Today, I attempted to do so and Experian indicated that they could not verify my information. 

I called, but Experian only has an automated phone system and will not allow me to reach an actual human. 

I now have a credit freeze on my Experian account that I can not lift. I can not reach Experian. And I can not determine if someone has fraudulently changed my information with Experian.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.