davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (OK)

Hello, My loan repayment recently went up from {$860.00} which was already a difficult payment but manageable to {$1300.00} ( XXXX  is the due date ). When I called Salliemae to discuss lowering it back down the only offer received was Forbearance or a Graduate repayment program which lowered it to {$1100.00} for 12 months but then payments would increase afterwards. I cant afford to make these payments. I told them this and I was told We cant discuss adjusting your payments until your account is in collections. Im trying to be proactive and not have my accounts go into collections.. Im also trying to be responsible and do the right thing in paying my loan back. Im just currently unable to afford making those payments.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I'm unable to call ESCI 's customer service and discuss my wish to rehabilitate my loans, because they refuse to discuss my account with me. They inform me that despite providing my current contact information, social security number, and DOB, they can't validate my identity without me providing an unnamed previous address. I provided them with my last 10 years of addresses and they say none of them are the specific previous address they want. They've completely locked me out of my account and prevented me from doing anything regarding my loans.
Consumer complaint received 2022-10-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MAS FINANCIAL SERVICES, INC. (CA)

On XX/XX/2022, I asked my partner to call and request the total balance on the account with MAS financial services, because I was working. Due to the fact that I had previously noticed that on all of the billing statements sent to me are a different balance on the account, and only continue to vary with each new statement. MAS financial refused to give this information on XX/XX/2022. Additionally, the monthly payment increased by {$100.00}. I was never notified beforehand. 

Very shortly after I had my partner request this information, I began to get phone calls by MAS financial at my Job, and random family members of mine also have been receiving phone calls. MAS financial was never given family contact information nor given permission to contact my job or family members. They were notified on one of the times they called a family member of mine that they are in violation of federal law of repeated phone calls which constitutes harassment. 

In a second attempt to find out information, I sent a cease and desist on XX/XX/2022 certified mail to only contact via mail and requesting original documentation also via mail. I gave 30 days to respond. MAS Financial never responded within 30 days. I was sent a letter from the a debt collector for an amount due not total balance of account on XX/XX/2022. Now it is XX/XX/2022, I received a phone call with no caller ID. I answered with hello and the first response is " What's up XXXX, where is the red car '' Now I am requesting " Request for an accounting '' notarized in writing via certified mail. where I will be assessing a fee of {$33.00} a day. I want any and all documentation provided to me within 14 CALENDER days. 

I also have forwarded all this information to the FTC, DFPI and attorney general of CA
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. Equifax I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I made a credit card payment for a repair on. It was authorized XXXX XX/XX/2022, but didn't post to my account until XXXX XX/XX/2022. I was told by multiple agents for USAA that what I am asking for is a dispute and not fraud. I told them the difference between the two but they were insistent that what I wanted to file was a dispute. One of the agent even told me that they are authorized to handle credit card fraud and every single one of them were adamant that I wasn't aware of the difference. One even told me that he was reading from the script. They all kept asking me personal questions that were not on their computer screen and making their own assumptions and what was is was not fraud. I am also missing my statement from XXXX XX/XX/2022 and the reasoning behind it was I had a XXXX balance. I know that even when there is a XXXX balance I am still supposed to receive my statement. They can not see the statement from their end so that means someone deliberately deleted/did n't post my statement intentionally. Every single representative I spoke with told me I was being unprofessional, told me I needed to watch my tone with them and even hung up on me because I refused to allow them to file a dispute.
Consumer complaint received 2022-09-15
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. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (DC)

I have had the financial institution of Navy Federal Credit Union, as my primary means to engage commerce since the late XXXX 's. I have experienced some health challenges that seriously impacted my functioning. The NFCU made the decision to close my checking account about XXXX. The account, remains closed to date. This eliminates any opportunity to I would have to engage in Point of Sale transactions with a debit card. 

I receive a compensation based on my military service and current health condition. The NFCU has always said once member always a member. Why is it acceptable that I do can not have debit card nor credit card, while my compensation is deposited my account? I have and continue to be shut out of engaging in commerce during a time that cash transactions are being less integral to daily life. I have attempted to resolve this matter in writing on the following dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. If you could assist me in this stalemate ; I would greatly appreciate it. 

No monies have been taken from me per se. However when NFCU sold account under name with the exception of my savings accounts, I have been limited to access proper nutrition, and all other aspects of my self care. As a XXXX XXXX XXXX of XXXX descent whom has XXXX to support the USA in the time of XXXX  ; I have become dismayed. Is this what NFCU means by the mission is our members? 

Yours truly, XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One advertises {$0.00} Fraud Liabality. Yet I was a victim on fraud. On XX/XX/XXXX there were 4 unauthorized charges of {$290.00} for a total of {$1100.00}. Capital one has decided the charges were valid, but they can't even tell me who the charges were from. {$0.00} Fraud liability is clearly a lie.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that PRS sent to my attention was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts. Those records do not reflect a contract to pay signed by me the contract to pay were only signed by the identity thieves who stole my identity to open said accounts owned by Portfolio Recovery Associates using my social security number XXXX. 

A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 
FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. Portfolio Recovery Associates has no record of my request or or dispute being received in relation to their initial notification letters because I NEVER received initial notification letters because they were mailed to the identity thieves who fraudulently signed contracts to pay using my social security number XXXX. The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making monthly inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report. 

The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. 

Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA. 
On XX/XX/22 I have again disputed the inquiries via CFPB and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud. 
Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My card was charged without permission for one change and another charge which is duplicate charge I was suppose to be receiving a refund for. I rented a vehicle through XXXX for dates XXXX in XXXX XXXX XXXX On XX/XX/2022 I was in a dispute with my boyfriend who left me stranded and took my rental key in XXXX XXXX which I had called XXXX to pick me up and give me a new vehicle upon swapping vehicles since I didnt have the key at the time I was informed I would be charged XXXX for the key and taxes and once I returned the key I will be refunded the total charge that day was {$810.00} which was key fee and an extra day rental fee because it was suppose to be returned to XXXX XX/XX/2022 but an extra day had to be added due to this issue. On XX/XX/2022 at XXXX at XXXX XXXX rental I returned the key I asked for a recipe the was not able to give me one so I took a picture of me giving the XXXX worker the key on hand with they key details so it would be seen it was for previous rental. The worker advised me I would receive a refund in 3-4 business days. I waited a week and checked my back about to find another charge in the amount of XXXX which was not authorized I called XXXX and they informed me it was a key fee at this point im frustrated because I was suppose to receiving a refund for the 1st key fee and I advised I already was charged and was suppose to be receiving a refund. The rep at XXXX on the phone had told me he could not seen the charge for XXXX dollars and after that I advised I will just dispute with my bank for an unauthorized charge and a refund charge. The bank did not properly do the claim because they upheld false charges from a receipt that doesnt details what the charges were for after I already explained on the claim I was charge 2 times for a key that I have picture proof i returned I reached back out to XXXX XX/XX/XXXX and spoke to a supervisor names XXXX who informed me he did see both charges and would issue a refund of XXXX and I would need to show proof of key return for a refund of the second charge of XXXX. He provided me an email which I sent the picture to and a week later I called to check on the refund on XXXX and if the picture was received for the XXXX refund of XXXX which I was advised XXXX did process the refund but it was rejected because I already disputed through bank and a contact they have with disputes is that it is no longer they responsibility and whatever outcome the bank gives is the final. I reached back out to the bank with no assistance from the mangers or anyone and out of XXXX dollars. So Im filing a formal complaint and will be sending a demand letter for the charges including damages fees and this gas cause. I submitted one claim Number but there are 2 one for {$810.00} and 2nd for {$440.00}
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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 (PA)

XX/XX/22 Balance Transfer payment sent to Capital One XXXX XXXX in the amount of XXXX from XXXX Bank ( proof of payment attached ). 
XXXX XXXX XXXX bought XXXX XXXX XXXX. I inadvertently sent payment to Capital One rather than XXXX XXXX. 

Contacted XXXX XXXX several times and they would not even discuss with me instead saying Capital One had the money and I would need to resolve with them. I asked to escalate at least 12 times and would not get anyone at XXXX XXXX to assist. 
Contacted Capital One at least 12 times with zero help and them giving me XXXX XXXX customer service number. NO SERVICE, NO ASSISTANCE FROM EITHER COMPANY AND XXXX HAD BEEN CASHED XX/XX/22 Called Capital One and asked for fraud department. After 2 hours of being told by XXXX from Capital One that there was nothing she could do she suggested I send proof of payment to Capital One Payment XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. 
I sent by certified mail a copy of proof of payment, XX/XX/22 it was received by Capital One XX/XX/22. I have had no acknowledgment of investigation. Contacted Capital One and the sent me over to XXXX XXXX again. There is no number to reach Capital One XXXX XXXX department. 
Someone has XXXX of mine and not one company will provide any assistance My accounts Capital One GM MasterCard ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX Also as a side note I have sent a XXXX balance transfer in the amount of XXXX to Capital One ( which was XXXX XXXX XXXX in error. The XXXX XXXX  customer service representative XXXX resolved within a week. During that time I received statement for Mastercard ending in XXXX and sent what showed as the balance of XXXX. 

I can't afford to lose XXXX for nothing and no one will help me. 

Thank you, XXXX XXXX XXXX XXXX XXXX Was just on with Capital One while filing this for 46 minutes without anyone picking up.
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (FL)

A company by the name of XXXX XXXX ( XXXX XXXX XXXX FL ) knocked on our door and sold us under false pretenses a roof solar system. It turned out they were not the installer, they simply gave the contract to a company called XXXX XXXX XXXX XXXX FL ) who in turn subcontracted to a company called XXXX XXXX XXXX ( XXXX FL ). 
The loan for the XXXX XXXX was awarded to a company called Goodleap/LoanPal . 

On XX/XX/2022 The installers badly damaged and compromised our roof and took apart our electrical system. The solar system was abandoned in our garage due to the damage caused. We later found out that to this day the company has never had an issued permit to do the work. 

We made the lender Goodleap/LoanPal aware of this situation long before payments were due on the loan ( had direct conversation with XXXX XXXX XXXX yet they still insisted on taking money from our account for the loan when no permits have ever been issued, no inspections done and no system has been installed to this very day since XX/XX/XXXX. They have even threatened a lien on our home and ruining our credit. We want nothing to do with all of these companies. In our opinion they are highly predatory. We desperately need help from the authorities. And for the public to be warned and alerted about Goodleap/LoanPal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and their practices.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (IN)

From XX/XX/XXXX - XX/XX/XXXX, there were 29 fraudulent charges that were allowed to deplete the funds in my account. The amounts range from {$.00} to {$350.00}. The credit union failed to notify me of any suspicious activity. The credit union failed to block my card. The credit union failed to take any steps to protect my funds. These are obvious fraud charges because of the amounts, the frequency, and the location of the transactions. The transactions were completely outside of how my debit card is used. I am expected to wait up to 10 day for an investigation to be completed before my funds are returned.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXX bank {$4100.00} unpaid and have humiliated me when applying for XXXX banks and being denied this is truly defamation. just got off the phone with XXXX bank XXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.